||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
||$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.
||$10,000 per month
||$10,000 per month
||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.
||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
||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
|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.
|Cost of Living Benefit (COLA)
||4% compounded per year (years 2-7) thereafter, CPI increase to age 65 and then benefits continued lifetime.
||$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.
|Care Options Program
||Free to all CAPF members — family health care advisory program. Completely mobile and confidential.