Cal Fire- CAPF LTD vs. CPFIT Union PYI+ LTD

Enhanced Individual Plan (EIP) – Cal Fire

Download Application

Plan CAPF CPFIT Union PYI+ Plan – Cal Fire
Monthly Cost $29.50 per month – monthly bank draft, credit card or annual billing $34.00 per month
Eligibility for Enhanced Plan To be eligible for this special Enhanced Individual Plan you must be a full-time, active safety employee of Cal Fire and covered under the Cal Pers Safety Retirement Plan. Plan not available to seasonal, part-time or non-safety employees. Must be active CPF dues paying member
Percentage Of Wages Protected*       80% of wages Non-Industrial Disability 70% of wages Industrial Disability 100% of wages for Catastrophic Disabilities** for up to 30 months– not to exceed maximum monthly benefit No Cal Pers pension advances (No reductions for Workers’ Compensation Permanent Disability settlements) 66 2/3% of base salary (No reductions for Workers’ Compensation Permanent Disability settlements)
Maximum Benefit $10,000 per month, tax-free $10,000 per month
Waiting Period 30 Calendar Days – Earlier reduced benefits may be payable based on lack of personal leave down to zero days. $750 per month Minimum Benefit after 60 days ($500 per month if Industrial caused), freeze of personal leave after 60 days. No benefits are payable if working full-time, light or modified duty. No-pay status and your income falls below 66.67% of your guaranteed base income as a firefighter. No benefits are payable if working full-time, light or modified duty.
Benefit Period Lifetime Coverage Sickness and Accident Industrial & Non-Industrial Disabilities – 2 years own occupation definition To Age 65 for Sickness, Accident, and Pregnancy
Sick Leave Integration Benefit After 60 days, you may use 50% sick leave and receive a 50% benefit from the Plan or use 100% sick leave and receive $750 per month ($500 per month if Industrial caused) None
Cost of Living Benefit (COLA) 4% compounded per year (years 3-8) thereafter, CPI increase to age 65 and then benefits continued lifetime. None
Pregnancy No coverage for any disability caused by, contributed to, or which results from pregnancy or childbirth. To Age 65 for Sickness, Accident, and Pregnancy
Benefits Payable During Challenged Workers’ Compensation Cases After 60 calendar days – 70% of wages to a Maximum Benefit of $10,000 per month (Repayable only if settled in your favor) After 90 days – 66 2/3% of base salary (Repayable only if determined to be Industrial).
Waiver of Payment Waiver of Payment after no-pay status 90 consecutive days and collecting benefits from the Plan but must continue to make payments while on job related disability.
Minimum Monthly Benefit $750 per month – paid in addition to personal leave after 60 calendar days ($500 per month if Industrial caused). 10% of covered earnings per month or $100 per month whichever is greater
Stress & Psychological Four (4) months per occurrence, Twenty (20) months lifetime benefit (5 occurrences per lifetime). A Participant must return to work for one (1) year between claims. Twelve (12) months aggregate lifetime benefit
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 sixty (60) months, unless you are eligible for the Prior Coverage Credit – otherwise, pre-existing medical conditions will not be covered. Subject to 12/12/24 pre-existing medical condition limitations. Also, proof of evidence of insurability may be required and coverage may be declined at the discretion of the insurance company.
Survivorship Benefit Nine (9) months additional benefits to dependent beneficiary Three (3) months additional benefits to beneficiary if continuous disability of 6 months
Death Benefit $15,000 Death Benefit on- or off-duty – natural, accidental or terminal illness*** ($2,000 for suicide first 2 Years in Plan.) (Payable and delivered usually within 24 hours of notification). None
Plan Management Owned and managed by its Participants through a representative Board of Directors (non-profit California Corporation since 1985) Insured by Reliance Standard Insurance Co. (a for-profit stockholder owned company).
Special Note: No disability benefits are payable by CAPF if you are eligible for, or receiving Workers’ Compensation benefits under CA Government Code Section 19871.3. * 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 ** A Total Disability caused by a catastrophic event (inability to perform 3 or more Activities of Daily Living – Bathing, Toileting, Dressing, Transferring, Ambulating, Continence, Eating and Cognitive Impairment. *** The Death Benefit for suicide is limited to $2,000 for the first 24 months of participation in the Plan. The California Association of Professional Firefighters Long Term Disability Plan (Safety Personnel) was established pursuant to the California Department of Insurance, Insurance Code Sections 11400 – 11407 by California Association of Professional Firefighters, a fire fighters benefit and relief association.  The Trust and California Association of Professional Firefighters are non-profit and tax exempt entities.  The Plan, California Association of Professional Firefighters and the Trust are annually audited for conformity with generally accepted accounting principles. 10-19 This is a highlight page only – certain exceptions & limitations apply. See the Summary Plan Description or the complete Plan Document provisions for a more complete description of coverage.  CA Insurance Lic. #0544968

To Apply: Please download the enrollment application above and mail to CAPF, PO Box 31, Martell, CA 95654.

Please do not discontinue any other coverage until you have been notified that your CAPF LTD Plan has gone into effect.