LTD Plan Benefit Comparison

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Features and Benefits Comparison

CAPF vs  CPF-CPFIT

Plan Name CAPF CPF-CPFIT - Premium Plan 
Plan Management Operated, managed, and funded by CAPF Participants with a representative Board of Directors since 1985 and is a non-profit health benefit trust. Insured by Reliance Standard Ins. Co. – a for-profit stockholder-owned company
Monthly Cost $24.50 Per Month (level cost) Group and Voluntary Plan No dues or fees $33.00 Per Month (level cost)
$34.00 Per Month for Cal Fire (level cost)
Voluntary Plan
Plus – $13.79 per month for CPF dues
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 reductions for Workers’ Comp. Permanent
Disability settlements)
66 2/3% of base salary & overtime.
(No reductions for Workers’ Comp.
Permanent Disability settlements)
Maximum Benefit $10,000 per month $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
after 60 days, freeze of sick/personal leave after
60 days. ($500 per month if Industrial cause.)
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.
Benefit Period Lifetime: Sickness, Accident and Pregnancy
Industrial Disabilities and Non-Industrial
Disabilities – 2 years own occupation definition,
restrictions apply.
Social Security Normal Retirement Age
Minimum Monthly Benefit $750 per month – paid in addition to personal
leave after 60 calendar days
($500 per month if Industrial cause).
10% of covered earnings per month or
$100 per month whichever is greater
Musculoskeletal & Connective Tissue Disorders Fully covered
Lifetime coverage – 2 years own occupation
definition, restrictions apply.
Numerous conditions are limited to 24 months of coverage.
Stress & Psychological Four (4) months per occurrence. Sixteen (16) months lifetime benefit (4 occurrences per lifetime). A member must return to
work for one (1) year between claims.
Twelve (12) months aggregate lifetime benefit.
Benefits Payable During Challenged
Workers’ Comp.
Cases
After 60 calendar days – 70% of wages
(Repayable only if settled in you favor)
After 90 calendar days – 66 2/3% of base
salary & overtime.
(Repayable only if determined to be industrial)
Waiver of Payment As low as zero days or no-pay status 90 consecutive days and collecting benefits
from the Plan but must continue payments
while on job-related disability.
Survivorship Benefit Nine (9) months additional benefits to dependent beneficiary. Three (3) months additional benefits to beneficiary if continuous disability of 6 months.
Freeze of Sick Leave Options After 60 calendar days None
Sick Leave
Integration Benefit
(Requires
Employer Approval)
After 60 days, you may use 50% sick/personal leave and receive a 50% benefit from the Plan. 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
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
NPFBA Long Term Care Plan CAPF is an exclusive partner with the NPFBA
Long Term Care Plan. Available to active
safety and non-safety fire department
personnel and spouses.
Not available
Care Options
Program
Free to all CAPF members — family health care advisory program. Completely mobile and
confidential.
Not available

* 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.

Illustration Only - See Plan Documents for specific information. CA Lic.#0544968

Features and Benefits Comparison

CAPF vs CSFA

Plan Name CAPF CSFA Plan 
Plan Management Operated, managed, and funded by CAPF Participants with a representative Board of Directors since 1985 and is a non-profit health benefit trust. Insured by Standard Insurance Company –
a for-profit stockholder owned company
Monthly Cost $24.50 Per Month (level cost) Group and Voluntary Plan No dues or fees $27.50 Per Month (level cost)
Voluntary Plan
Plus – $6.75 per month for CSFA dues
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 reductions for Workers’ Comp. Permanent
Disability settlements)
66 2/3% of wages Non-Industrial Disabilities.
66 2/3% of wages Industrial Disabilities.
Maximum Benefit $10,000 per month $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
after 60 days, freeze of sick/personal leave after
60 days. ($500 per month if Industrial cause.)
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: Sickness, Accident and Pregnancy
Industrial Disabilities and Non-Industrial
Disabilities – 2 years own occupation definition,
restrictions apply.
To age 65 for Sickness, Accident, and Pregnancy. ADEA Grading
Minimum Monthly Benefit $750 per month – paid in addition to personal
leave after 60 calendar days
($500 per month if Industrial cause).
$200 per month paid in addition to sick/ personal leave after 60 days $50 per month if job-related
Musculoskeletal & Connective Tissue Disorders Fully covered
Lifetime coverage – 2 years own occupation
definition, restrictions apply.
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
Stress & Psychological Four (4) months per occurrence. Sixteen (16) months lifetime benefit (4 occurrences per lifetime). A member must return to
work for one (1) year between claims.
Benefits limited to 12 months. No limit if confined to a medical facility.
Benefits Payable During Challenged
Workers’ Comp.
Cases
After 60 calendar days – 70% of wages
(Repayable only if settled in you favor)
After 60 days – 66 2/3% of wages or maximum benefit of $10,000 monthly (Up to 66 2/3% repayable if determined to be Industrial Disability.)
Waiver of Payment As low as zero days or no-pay status After 60 days
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.
Freeze of Sick Leave Options After 60 calendar days None
Sick Leave
Integration Benefit
(Requires
Employer Approval)
After 60 days, you may use 50% sick/personal leave and receive a 50% benefit from the Plan. 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
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)
NPFBA Long Term Care Plan CAPF is an exclusive partner with the NPFBA
Long Term Care Plan. Available to active
safety and non-safety fire department
personnel and spouses.
Not available
Care Options
Program
Free to all CAPF members — family health care advisory program. Completely mobile and
confidential.
Not available

* 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.

Illustration Only - See Plan Documents for specific information. CA Lic.#0544968

Features and Benefits Comparison

CAPF vsFirefighters 1st CU Plan

Plan Name CAPF Firefighters 1st CU Plan
Plan Management Operated, managed, and funded by CAPF Participants with a representative Board of Directors since 1985 and is a non-profit health benefit trust. Insured by Reliance Standard Ins. Co. – a for-profit stockholder-owned company
Monthly Cost $24.50 Per Month (level cost) Group and Voluntary Plan No dues or fees $22.00 Per Month (level cost). Group Plan – Requires 100% Credit Union membership & participation
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 reductions for Workers’ Comp. Permanent
Disability settlements)
66 2/3% of wages Non-Industrial and Industrial Disabilities.
Maximum Benefit $10,000 per month $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
after 60 days, freeze of sick/personal leave after
60 days. ($500 per month if Industrial cause.)
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.
Benefit Period Lifetime: Sickness, Accident and Pregnancy
Industrial Disabilities and Non-Industrial
Disabilities – 2 years own occupation definition,
restrictions apply.
To age 65 for Sickness, Accident, and Pregnancy. ADEA Grading
Minimum Monthly Benefit $750 per month – paid in addition to personal
leave after 60 calendar days
($500 per month if Industrial cause).
$100 per month after 90 calendar days
Musculoskeletal & Connective Tissue Disorders Fully covered
Lifetime coverage – 2 years own occupation
definition, restrictions apply.
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.
Stress & Psychological Four (4) months per occurrence. Sixteen (16) months lifetime benefit (4 occurrences per lifetime). A member must return to
work for one (1) year between claims.
Aggregate lifetime maximum of 24 months
Benefits Payable During Challenged
Workers’ Comp.
Cases
After 60 calendar days – 70% of wages
(Repayable only if settled in you favor)
After 90 days – 66 2/3% of wages or maximum benefit of $10,000 (Repayable only if determined to be Industrial).
Waiver of Payment As low as zero days or no-pay status After 90 calendar days
Survivorship Benefit Nine (9) months additional benefits to dependent beneficiary. Three (3) months additional benefits to dependent beneficiary.
Freeze of Sick Leave Options After 60 calendar days None
Sick Leave
Integration Benefit
(Requires
Employer Approval)
After 60 days, you may use 50% sick/personal leave and receive a 50% benefit from the Plan. 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
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
NPFBA Long Term Care Plan CAPF is an exclusive partner with the NPFBA
Long Term Care Plan. Available to active
safety and non-safety fire department
personnel and spouses.
Not available
Care Options
Program
Free to all CAPF members — family health care advisory program. Completely mobile and
confidential.
Not available

* 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.

Illustration Only - See Plan Documents for specific information. CA Lic.#0544968

Features and Benefits Comparison

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

Features/
Benefits
CAPF UFLAC Plan Reliance - Standard Ins. Co
Cost $24.50 per month (level cost).
Group and Voluntary Plans
No dues or fees
$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.

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. 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
Freeze of Sick Leave Options After 60 calendar days None
Sick Leave Integration Benefit After 60 days, you may use 50% sick/personal leave and receive a 50% benefit from the Plan. 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
Stress & Psychological Four (4) months per occurrence. Sixteen (16) months lifetime benefit (4 occurrences per lifetime). A member must return to work for one (1) year between claims. 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, 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). 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 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). $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 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).*** 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 Reliance Standard Ins. 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 Plan Monthly Benefit Compared to the CPF-CPFIT Premium Plan Monthly Benefit

Monthly Salary

(Base + Incentives)

CAPF Plan 80% of Pay

CPF-CPFIT

Premium Plan 66 2/3% of Pay

CAPF’s

Advantage Monthly 80% over 66 2/3%

CAPF’s Cumulative Difference in Benefit Amount –

Over 24 Month Period*

$5,000

$4,000

$3,334

$667 more

$24,386 more

$6,000

$4,800

$4,000

$800 more

$29,280 more

$7,000

$5,600

$4,667

$933 more

$34,153 more

$8,000

$6,400

$5,334

$1,066 more

$39,026 more

$9,000

$7,200

$6,000

$1,200 more

$43,920 more

$10,000

$8,000

$6,667

$1,333 more

$48,793 more

$11,000

$8,800

$7,334

$1,466 more

$53,666 more

$12,000

$9,600

$8,000

$1,600 more

$58,560 more

 

CAPF Plan Monthly Benefit Compared to the CSFA Plan Monthly Benefit

Monthly Salary

CAPF Plan 80% of Pay

CSFA Plan – Standard Ins. Co.

70% of Pay

CAPF’s

Advantage Monthly 80% over 70%

CAPF’s Cumulative Difference in Benefit Amount –

Over 24 Month Period*

$5,000

$4,000

$3,500

$500 more

$16,800 more

$6,000

$4,800

$4,200

$600 more

$20,160 more

$7,000

$5,600

$4,900

$700 more

$23,520 more

$8,000

$6,400

$5,600

$800 more

$26,880 more

$9,000

$7,200

$6,300

$900 more

$30,240 more

$10,000

$8,000

$7,000

$1,000 more

$33,000 more

$11,000

$8,800

$7,700

$1,100 more

$36,960 more

$12,000

$9,600

$8,400

$1,200 more

$39,360 more