$21.00 Safety Group Plan

Monthly Cost $21.00 per month
Percentage of
Wages Protected
100% of wages for Catastrophic Disabilities for up to 30 months - not to exceed maximum monthly benefit
75% of wages Non-Industrial Disability
70% of wages Industrial Disability
(No reductions for Workers' Compensation permanent disability settlements)
Maximum Benefit $6,500 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. $700 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
Sick Leave Integration Benefit After 60 days, you may use 50% sick leave and receive a 50% benefit from Plan or use 100% sick leave and receive $700 per month ($500 per month if Industrial caused).
Cost of Living Benefit (COLA) 4% compounded per year (years 2-7) thereafter, CPI increase to age 65 and then benefits continued lifetime.
Musculoskeletal & Connective Tissue Disorders Covered, no restrictions lifetime Industrial and Non-Industrial causes.
Benefits Payable During Challenged Workers' Compensation Cases After 60 calendar days – 70% of wages or Maximum Benefit of $6,500 per month (repayable if settled in your favor).
Waiver of Payment Waiver of Payment after no-pay status
Minimum Monthly Benefit $700 per month – paid in addition to personal leave after 60 calendar days ($500 per month if Industrial caused).
Pre-Existing Medical Condition Coverage If you enroll during your initial enrollment period, all pre-existing medical conditions will be covered once you have been in the Plan for twenty-four (24) / forty-eight (48)* months, unless you are eligible for the Prior Coverage Credit – otherwise, pre-existing medical conditions will not be covered.
Survivorship Benefit Nine (9) months additional benefits to dependent beneficiary, plus $10,000 Death Benefit (Payable and delivered usually within 24 hours of notification).
Death Benefit $10,000 Death Benefit on- or off-duty – natural, accidental or terminally ill (Payable and delivered usually within 24 hours of notification).

* Forty-eight (48) months for Death Benefits and for HIV, AIDS, ARC.

*Forty-eight months for Death Benefits and for HIV, AIDS, ARC.


For Illustration only. Please see Plan Documents for full description.


CAPF provides superior Long Term Disability Coverage to over 16,000 Fire Service Participants – since 1985.