Features and Benefits Comparison

CAPF, CSFA, CPF-CPFIT, Firefighters 1st CU, and UFLAC general information taken from websites and Plan Documents.

Features/
Benefits
CAPF

CSFA -

Standard Ins. Co

CPF-CPFIT - Reliance Standard Ins. Co

Firefighters 1st CU Plan - Reliance Standard Ins. Co UFLAC Plan Reliance - Standard Ins. Co
Cost $24.50 per month (level cost). Group and Voluntary Plans
No dues or fees

$25.75 Per Month (level cost) - Gold

$24.30 Per Month (level cost) - Silver
Voluntary Plan
Plus – $6.75 per month for CSFA dues

$27.00 per month (level cost)
$28.00 per month for Cal Fire (level cost)

Must be active CPF dues paying member

$22.00 Per Month (level cost).
Group Plan – Requires 100% Credit Union membership & participation
$25.00 Per Month (level cost).
Voluntary Plan
Percentage of
Wages Protected

80% of current wages Non-Industrial causes.

70% of current wages Industrial causes.
90% of current wages Non-Industrial causes with underlying Group LTD Plan or SDI.

100% of current wages for Catastrophic Disabilities for up to 30 months - not to exceed maximum monthly benefit.

(No reductions for Workers' Compensation permanent disability settlements.)
Maximum Benefit $10,000 per month.

Gold: 70% of Predisability Earning. Maximum benefit of $9,000 per month.

 

Silver: 66 2/3% of Predisability Earnings. Maximum benefit of $9,000 per month.

66 2/3% of covered earnings reported on previous year's W-2 to a maximum of $10,000 monthly benefits for Non-Industrial and Industrial Disabilities.

(No reductions for Workers’ Compensation Permanent Disability settlements)

Maximum Benefit $10,000 per month.

66 2/3% of wages Non-Industrial and Industrial Disabilities.
Maximum Benefit $10,000 per month.

70% of covered earnings to a maximum of $10,000 monthly benefit for
Non-Industrial or Industrial disabilities.
Maximum Benefit $10,000 per month.
Reliance Standard offsets all daily LAFRA benefits for the first 18 months.

Waiting Period 30 calendar days – Earlier reduced benefits may be payable based on lack of sick/personal leave down to zero days. $750 Minimum Benefit (see Minimum Benefits below) after 60 days, freeze of sick/personal leave after 60 days. No benefits are payable if working full-time, light or modified duty.

Non-Industrial: 60 calendar days

 

Industrial: 90 calendar days

 

No benefits are payable if working full-time, light or modified duty.

90 consecutive days of total disability

No benefits are payable if working full-time, light or modified duty.

90 calendar days Industrial &
Non-Industrial.
No benefits are payable if working full-time, light or modified duty.
90 days of continuous disability
No benefits are payable if working full-time, light or modified duty.Reliance Standard offsets all daily LAFRA benefits for the first 18 months.
Benefit Period Lifetime Coverage of Sickness, Accident, & Pregnancy

To Age 65 for Sickness, Accident, and Pregnancy

ADEA Grading

To Age 65 for Sickness, Accident, and Pregnancy

ADEA Grading

To age 65 for Sickness, Accident, and Pregnancy. ADEA Grading To age 65 for Sickness, Accident, and Pregnancy. ADEA Grading
Freeze of Sick Leave Options After 60 calendar days After 60 days None
None None
Sick Leave Integration Benefit After 60 days, you may use 50% sick/personal leave and receive a 50% benefit from the Plan. After 60 days, you may use 50% sick/personal leave and receive a 50% benefit from the Plan. None None None
Cost of Living Benefit (COLA) 4% compounded per year (years 2-7) thereafter, CPI increase to age 65 and then benefits continued lifetime.
Based on increases in
CPI-W, up to 5% compounded annually to age 65.
None None None
Stress & Substance Abuse Three (3) months per occurrence, six (6) month lifetime benefit. A Participant must return to work for one (1) year between claims. Benefits limited to 12 months. No limit if confined to a medical facility. Twelve (12) months aggregate lifetime benefit. Aggregate lifetime maximum of 24 months No benefit for first 90 days of total disaiblity thereafter, twenty-four (24) months.Reliance Standard offsets all daily LAFRA benefits for the first 18 months.
Musculoskeletal & Connective Tissue Disorders Fully covered, no restrictions lifetime – Industrial & Non-Industrial causes 24 months of coverage, lifetime limitation on back and its surrounding soft tissue, sprains, strains of joint or muscles, and connective tissue disorders. Numerous conditions are limited to 24 months of coverage. Numerous conditions may be limited to 24 months of coverage.

24 months, lifetime limitation on back and its surrounding soft tissue, sprains, strains of joint or muscles, and connective tissue disorders. Numerous conditions are limited to 24 months of coverage.

24 months, lifetime limitation on back and its surrounding soft tissue, sprains, strains of joint or muscles, and connective tissue disorders. Numerous conditions are limited to 24 months of coverage. Reliance Standard offsets all daily LAFRA benefits for the first 18 months.

Benefits Payable During Challenged
Workers' Comp. Cases
After 60 calendar days – 70% of wages or Maximum Benefit of $10,000 per month (repayable only if settled in your favor).

Gold: After 60 days - 70% of wages or maximum benefit fo $9,000 monthly (Up to 70% repayable if determined to be Industrial Disability.)

 

Silver: After 60 days - 66 2/3% of wages or maximum benefit fo $9,000 monthly (Up to 66 2/3% repayable if determined to be Industrial Disability.)

After 90 days – 66 2/3% of wages or maximum benefit of $10,000 (Repayable only if determined to be Industrial). After 90 days – 66 2/3% of wages or maximum benefit of $10,000 (Repayable only if determined to be Industrial).

After 90 days of total disability – 70% of wages or maximum benefit of $10,000 per month
(Repayable only if claim in settled in your favor) Reliance Standard offsets all daily LAFRA benefits for the first 18 months.

Waiver of Payment After no-pay status After 60 days After 90 consecutive days and collecting benefits from the Plan but must continue payments while on job related disability. After 90 calendar days. After 90 consecutive days of total disability - job related
Minimum
Monthly Benefit
$750 per month – paid in addition to sick/personal leave after 60 calendar days ($500 per month if job related). $200 per month paid in addition to sick/personal leave after 60 days
$50 per month if job related
10% of covered earnings per month or $100 per month whichever is greater $100 per month after 90 calendar days $100 per month after 90 days of continuous disability Reliance Standard offsets all daily LAFRA benefits for the first 18 months.
Survivorship Benefit Nine (9) months additional benefits to dependent beneficiary.

After 180 days of continuous disability, eligible dependents will receive a lump sum benefit equal to six (6) times the member's last LTD monthly benefit, after reductions by deductible income.

Three (3) months additional benefits to beneficiary if continuous disability of 6 months. Three (3) months additional benefits to dependent beneficiary. After 90 days of total disability, three (3) months additional benefits to beneficiary.
Death Benefit $15,000 Death Benefit on- or off-duty natural, accidental or terminal illness (Payable and delivered usually within 24 hours of notification). $15,000 (CSFA Self Funded) None None None
Ownership of Plan Owned, operated and managed by Participants through a Board of Directors (non-profit and
non-political California Corporation) since 1985.
Insured by Standard Insurance Co. (a for-profit stockholder owned company). Claims administered by insurance co. paid claim adjusters and doctors –
not fellow firefighters.
Insured by Reliance Standard Ins. Co. – a for-profit stockholder owned company
Claims administered by insurance co. paid claim adjusters and doctors –
not fellow firefighters.

Insured by Reliance Standard Ins. Co. – a for-profit stockholder owned company
Claims administered by insurance co. paid claim adjusters and doctors –
not fellow firefighters.

Insured by Reliance Standard Ins. Co. –
a for-profit stockholder owned company
Claims administered by insurance co. paid claim adjusters and doctors –
not fellow firefighters.

 

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.