Features and Benefits Comparison

CAPF, CSFEWBC, and CPFHBT general information taken from websites and Plan Documents.

Features/Benefits	CAPF	CSFA – Standard Ins. Plan	CPFHBT "PYI"
Cost	$19.50 Per Month (level cost). Group and Individual Plans No dues or fee	$20.00 Per Month (level cost) Group Plan Plus – $6.75 per month for CSFA dues	$27.00 Per Month (level cost). Group Plan Plus – $8.36 per month for CPF dues
Percentage of Wages Protected	100% of wages for Catastrophic Disabilities for up to 30 months. 70% of wages Industrial causes. (75% with deductible income) 80% of wages Non-Industrial causes. (No reductions for Workers' Compensation permanent disability settlements.) Maximum Benefit $10,000 per month.	The lesser of: 70% of your Predisability Earnings; and 75% of your Predisability Earnings, reduced by deductible income. Maximum benefit of $9,000 per month.	66 2/3 % of base wages to a maximum of $10,000 monthly benefits for Industrial disability. Cash pay-off after 5 years and claim is over. 66 2/3 % of base wages to a maximum of $10,000 monthly benefits for Non-Industrial disability.
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: 30 calendar days Industrial: 60 calendar days	Benefits payable when employer establishes no-pay status. No benefits are payable if working full-time, light or modified duty.
Benefit Period	Lifetime Coverage of Sickness, Accident, & Pregnancy	Safety Members: To age 65 for both Accident & Illness. Non-Safety Members: 24 Months. ADEA Grading	A) Age 65 coverage (Non-Industrial causes). B) Five year coverage with $60,000 lump-sum payment (Industrial causes). C) By signing a release of liability form, member is eligible for a $3,000 bonus plus $200 for each month of integration within the first 24 months of claim.
Freeze of Sick Leave Options	After 60 days, you may use 50% sick/personal leave and receive a 50% benefit from the Plan or use 100% of sick/personal leave and get $750 per month.	After 60 days or 100% back door integration – 100% of base pay through use of sick/personal leave pay and LTD benefit.	None (All sick/personal leave must be used before any benefits are payable.)
Sick Leave Integration Benefit	After 60 days, you may use 50% sick/personal leave and receive a 50% benefit from the Plan.	See Freeze of Sick Leave Options.	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
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.	Twenty-four (24) months.
Musculoskeletal & Connective Tissue Disorders	Fully covered, no restrictions lifetime – Industrial & Non-Industrial causes	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.	See items A, B, & C above.
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 60 days – 70% of wages or maximum benefit of $9,000 monthly (Up to 70% repayable if determined to be Industrial disability).	After no-pay status has been established 66 2/3% of wages or maximum benefit of $6,000 (Up to 66 2/3% repayable if determined to be Industrial).
Waiver of Dues	Waiver of Dues after no-pay status	After 60 days.	After no-pay status.
Minimum Monthly Benefit	$750 per month – paid in addition to sick/personal leave after 60 calendar days ($500 per month if Industrial caused).	$500 per month paid in addition to sick/personal leave after 60 days plus $200 per month for medical benefit. $50 per month if job related	None
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.	Twenty-four (24) month continuation of benefits if member was eligible for disability benefits at time of death.
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 (CSFEWBC Self Funded)	$50,000 accidental death only. Not paid on natural deaths.
Ownership of Plan	Owned, operated and managed by Participants through a Board of Directors (non-profit and non-political California Corporation) since 1985.	Sponsored by CSFEWBC, Insured by Standard Insurance Co.	Operated and managed by the CPF "PYI" Health Benefits Trust.

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