Enhanced Individual Plan (EIP) - Full Time Safety
| Monthly Cost | $19.50 per month - payment options: monthly bank draft, credit card or annual billing |
| Eligibility for Enhanced Plan | To be eligible for this specific Enhanced Individual Plan you must be an active, full-time fire department employee with a Safety Retirement and be eligible for benefits under Labor Codes 3212, 3212.1, 3212.5, 3212.6, 3212.8, 3212.9, and be eligible under one of the following Labor Codes 4850, 4800, and 4800.5. |
| Percentage of Wages Protected |
100% of wages for Catastrophic Disabilities for up to 30 months, then 80% (70% if IOD) 80% of wages Non-Industrial Disability 70% of wages Industrial Disability (75% with deductible income) (No Workers' Compensation permanent disability offsets) Maximum Benefit of $10,000 per month, tax-free |
| Waiting Period | 30 calendar days - Earlier reduced benefits may be payable based on lack of personal leave down to zero days. $750 per month Minimum Benefit after 60 days, freeze of personal leave after 60 days ($500 per month if Industrial caused). No benefits are payable if working full-time light or modified duty. |
| Benefit Period | Lifetime Coverage of Sickness, Accident, & Pregnancy (Industrial disabilities and Non-Industrial disabilities). |
| Freeze of Personal Leave Option | After 60 calendar days |
| Personal Leave Integration Benefit | After 60 days, you may use 50% sick leave and receive a 50% benefit from Plan or use 100% personal leave and receive $750 per month. |
| Cost of Living Benefit (COLA) | 4% compounded per year (years 2-5) thereafter, CPI increase to age 65 and then benefits continued lifetime. |
| Benefits Payable During Challenged Workers' Compensation Cases | After 60 calendar days – 70% of wages or Maximum Benefit of $10,000 per month (repayable only if settled in your favor). |
| Waiver of Dues | Waiver of Dues after no-pay status |
| Minimum Monthly Benefit | $750 per month – paid in addition to personal leave after 60 calendar days. ($500 for Disputed Workers' Compensation claims) |
| Disability Pension Advance | Plan may advance, interest free, actual retirement benefit not to exceed $10,000 per month. |
| Pre-Existing Medical Condition Coverage | All disability benefits caused from pre-existing medical conditions will be covered once you have been in the Plan for sixty (60) months unless you are eligible for the Prior Group Coverage Credit (proof of prior coverage required). Additionally, all Plan benefits are fully integrated with any other group disability plan even if issued on an individual basis. |
| Survivorship Benefit | Nine (9) months additional benefits to dependent beneficiary. |
| Death Benefit | $15,000 Death Benefit on- or off-duty – natural, accidental or terminal illness. (Benefits may be payable within 24 hours of notification) |
For Illustration only. Please see Plan Documents for full description.
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