Group Plan B
| Monthly Cost | $16.00 per month |
| Percentage of Wages Protected |
100% of wages for Catastrophic Disabilities for up to 30 months 70% of wages Non-Industrial Disability 75% 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 Dues | Waiver of Dues 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.
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