Features and Benefits Comparison

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

Features/
Benefits
CAPF

CPF-CPFIT - Reliance Standard Ins. Co

CSFA -

Standard Ins. Co

Cost $24.50 per month (level cost). Group and Voluntary Plans
No dues or fees

$33.00 per month (level cost)
$34.00 per month for Cal Fire (level cost)

Must be active CPF dues paying member

$27.50 Per Month (level cost)
Voluntary Plan
Plus – $6.75 per month for CSFA dues

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.

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 Disablities

66 2/3% of wages Industrial Disabilities.

Maximum benefit of $10,000 per month.

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.

90 consecutive days of total disability

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

Non-Industrial: 60 calendar days

 

Industrial: 180 calendar days

 

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

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

Freeze of Sick Leave Options After 60 calendar days None
After 60 days
Sick Leave Integration Benefit After 60 days, you may use 50% sick/personal leave and receive a 50% benefit from the Plan. 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.
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. Twelve (12) months aggregate lifetime benefit. Benefits limited to 12 months. No limit if confined to a medical facility.
Musculoskeletal & Connective Tissue Disorders

Fully covered.

Lifetime coverage - 2 years own occupation definition, restrictions apply

Numerous conditions may be limited to 24 months of coverage. 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.
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). After 90 days – 66 2/3% of wages or maximum benefit of $10,000 (Repayable only if determined to be Industrial).

After 60 days - 66 2/3% of wages or maximum benefit fo $10,000 monthly (Up to 66 2/3% repayable if determined to be Industrial Disability.)

Waiver of Payment After no-pay status After 90 consecutive days and collecting benefits from the Plan but must continue payments while on job related disability. After 60 days
Minimum
Monthly Benefit
$750 per month – paid in addition to sick/personal leave after 60 calendar days ($500 per month if job related). 10% of covered earnings per month or $100 per month whichever is greater $200 per month paid in addition to sick/personal leave after 60 days
$50 per month if job related
Survivorship Benefit Nine (9) months additional benefits to dependent beneficiary. Three (3) months additional benefits to beneficiary if continuous disability of 6 months.

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.

Death Benefit $15,000 Death Benefit** on- or off-duty natural, accidental or terminal illness (Payable and delivered usually within 24 hours of notification).*** None $15,000 (CSFA Self Funded)
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 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 Standard Insurance Co. (a for-profit stockholder owned company). Claims administered by insurance co. paid claim adjusters and doctors –
not fellow firefighters.

 

* Maximum percentages reflect amount payable after completion of (a) waiting period, (b) freeze of sick leave option, or (c) sick leave integration. Offsetting Benefit/Income Amounts are applied to reduce amount from the Plan
** The Death Benefit for suicide is limited to $2,000 for the first 24 months of participation in the Plan.
*** Forty-eight months for Death Benefits and for HIV, AIDS, and 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.