Disability benefit Plan CCPOA Benefit Trust Fund

Disability
Benefit PLAN
CCPOA
Benefit Trust Fund
Disability Coverage,
When Sick Leave Isn’t Enough
Disability
Benefit PLAN
Gold or
Silver Shield Coverage
You have a challenging job – one with
more than your fair share of risk. To
protect you and your loved ones, the
CCPOA Benefit Trust Fund offers the
Disability Benefit Program – a plan that
helps you meet basic living expenses
while you are unable to work.
COMMONLY ASKED QUESTIONS
Who is eligible to enroll?
You are! All active full-time permanent employees and
Permanent Intermittent Employees (PIEs) who are
members in good standing with CCPOA are eligible
to apply. This includes rank-and-file members,
supervisors and managers. Please Note: An applicant
may be denied coverage in the Disability Benefit
Program based on prior medical conditions. There
is a 2-year exclusion for pre-existing conditions
(certain conditions may be subject to longer exclusion
periods).
What does the Program cover?
The Disability Benefit Program provides benefits if
you are unable to work due to a disability that is
covered under the Program (not all disabilities are
covered under the program).
How much are the premiums?
The Silver Shield premium is currently $45 per month.
The Gold Shield premium is currently $65 per month.
Gold Shield provides disability coverage both on-thejob and off-the-job.
Will my benefits equal my full paycheck?
No. However if you are a Silver Shield member
you will receive 100% of your base salary (when
combined with other income benefits for qualified
non-occupational disabilities) up to the maximum
benefit of $3000 per month. Gold Shield members
with non-occupational disabilities will receive a
benefit equal to 65% of your base salary (when
combined with other disability income for qualified
non-occupational disabilities) up to the maximum
benefit of $5150 per month. For Gold Shield members
after 24 months, if you are severely disabled (cannot
perform two or more Activities of Daily Living (ADLs)
your benefit will increase to 75%. However, if not, the
benefit will remain at 65% if, after the second year
you are unable to work at any type of employment.
How quickly can I start using the program
after I complete enrollment?
You are able to use the program immediately after
you successfully complete enrollment. However,
each level of coverage has a different waiting period
(called an “elimination period”) before benefits
begin. For Gold Shield, benefits begin after 30
consecutive calendar days from the date you are
certified as disabled. For Silver Shield, benefits begin
after 180 consecutive calendar days from the date
you are certified as disabled. (Pre-existing condition
limitations apply).
Do I have to use my sick leave?
Yes. If at the end of your elimination period (i.e. the
beginning of your coverage period) you still have sick
leave or Catastrophic Time Bank (CTB) credits left,
the program works like this: you would receive the
minimum Disability Benefit each month in addition
to your full pay provided by your sick leave or CTB.
When these credits are gone, your full Disability
Benefit kicks in - paying 65% of your base pay up to
$5150 for Gold Shield and 100% of your base pay, up
to $3000 for Silver shield, when combined with other
disability income.
KEY BENEFITS
Pick Your Level of Coverage
Gives you the flexibility to select a plan that meets
your needs. Gold Shield** provides up to 65%* of
your base pay or $5,150 per month ( whichever
is lower) for injuries during the coverage period.
Silver Shield provides up to 100%* of your base pay
or $3000 per month (whichever is lower) during the
coverage period. Waiting periods apply – 30 days for
Gold and 180 days for Silver.
Affordable
Gold Shield is $65 per month, which includes
on-the-job and off-the-job coverage.
The Silver Shield premium is $45 per month.
24 Month Coverage Period
This applies to both occupational and nonoccupational disabilities under Silver and Gold
Shield. Under Gold Shield, your coverage may
extend up to age 65 if your non-occupational
disability prevents you from working any job.
Premium Waiver
You pay no premium for the duration of your
disability under both Gold and Silver Shield plans
once you have been disabled for 60 days.
Benefits are contingent upon satisfying all requirements of the Program document.
*These benefits are offset under the Program by certain other income benefits.
**Gold Shield provides a 75% benefit if the injury or illness is so severe that after 24
months of benefits, you cannot perform two basic Activities of Daily Living (includes
bathing, dressing, toileting, transferring, continence and feeding) – for non-occupational
disabilities. Some medical conditions can result in an application being denied and there
are limitations for pre-existing conditions.
Enhances Disability Leave Benefits
Allows you to supplement your base pay if you are
on Industrial Disability Leave (IDL) or Enhanced
Industrial Disability Leave (EIDL), by paying a
minimum benefit of $206 per month under Gold
Shield, and $400 per month under Silver Shield.
Helps while your Workers’ Comp
benefits are pending
Gold Shield participants are provided with an
additional provisional benefit, above the basic
minimum monthly benefit, while your Workers’
Comp case is pending. If you win your case, you
will receive a back-pay award from the Workers’
Compensation Appeals Board. You use this money
to repay the additional provisional benefit, still
keeping each month’s minimum benefit. If you
lose your case, and you are otherwise eligible for
benefits, you keep every dime.
No Age-Related Premiums
Age is not an issue. Whether you are 21 or 61, you
pay the same amount.
BENEFITS
Gold S
Coverage for Non-occupational
Disabilities*
Up to 65% of base pay or
(whichever is lower) **
Coverage for Occupational
Disabilities*
Only with Gold Shield
A minimum benefit of $2
addition to your IDL1 or E
the State. Provided only u
(complete)
Elimination Period
30 consecutive calendar
Maximum Benefit Period
Up to 24 months for non-o
or illness. Up to age 65 for
disabilities if disabled from
occupation.
Gold Shield – Up to 24 mon
injury or illness
Coordination with CTB, NDI, ENDI,
Sick Leave and Other Benefits
Coordinates with income
receive under NDI3, CTB
Sick leave, and any other
disability benefits ( for ex
insurance by Standard o
combined total monthly
of your base pay, except t
Trust benefits will in no e
per month or be less than
Premium Waiver***
Your monthly premium w
you have been certified d
consecutive calendar day
Surviving Dependant Benefit
Six months of continued
Premium
$65 per month
1. Industrial Disability Leave 2. Enhanced Industrial Disability Leave 3.Non-Industrial Disability Insura
6. Temporary Disability 7. Permanent Disability
* These benefits are offset under the Program by certain other income benefits
** Gold Shield provides a 75% benefit if the injury or illness is so severe that after 24 months of benefit
transferring, continence and feeding), for non-occupational disabilities, otherwise benefit remains at
*** Premium Waivers are effective only after the “elimination period” of the policy has been met and for
Gold Shield benefits; 180 days for Silver Shield benefits.
This is a brief summary of the benefits provided through the CCPOA
exact explanation of benefits, please see the Summary Program Descr
documents, the official Plan documents will govern.
Shield
$5,150 per month
206 per month in
EIDL 2 payments from
under Gold Shield
days
occupational injury
non-occupational
m working any
Silver Shield
Up to 100% of base pay or $3,000 per month
(whichever is lower)*
A minimum benefit of $400 per month in
addition to your IDL1 or EIDL 2 payments
from the State.
180 consecutive calendar days
Up to 24 months for occupational and nonoccupational injury or illness
nths for occupational
e you are eligible to
4
, ENDI5, TD6, PD7,
r individual or group
xample: disability
or AFLAC) to provide a
benefit of up to 65%
that the combined
event exceed $5,150
n $206 per month
will be waived once
disabled for 60
ys
monthly benefits
Coordinates with income you are eligible
to receive under NDI3, CTB 4, ENDI5, TD6,
PD7, Sick leave, and any other individual
or group disability benefits ( for example:
disability insurance by Standard or AFLAC)
to provide a combined total monthly
benefit of up to 100% of your base pay,
except that the combined Trust benefits
will in no event exceed $3,000 per month or
be less than $400 per month
Your monthly premium will be waived
once you have been certified disabled for
60 consecutive calendar days
Three months of continued monthly
benefits
$45 per month
ance 4. Catastrophic Time Bank 5. Enhanced Non-Industrial Disability Insurance
ts, you cannot perform two basic Activities of Daily Living (including bathing, dressing, toileting,
t 65%.
covered disabilities only. After being certified disabled, you must wait 30 consecutive days for
Benefit Trust Fund’s Disability Benefit Plan. For a more detailed and
ription. If there is a conflict between this brochure and the official Plan
Time off
work isn’t
always a
vacation.
Apply Today.
“I crushed my femur... and
was totally bedridden for
3-4 months. If it were not
for Disability Benefit Plan
I certainly would also be
crushed financially.
I thank God I joined...”
Program Participant
For More Information on the
Disability Benefit Plan,
please call the
CCPOA Benefit Trust Fund
800 - IN UNIT - 6
or visit our website:
www.ccpoabtf.org
“We’ve Got You Covered”
Important Note: This brochure is intended to provide highlights of the CCPOA BTF “Disability Benefit Plan.”
Full details about the terms, benefits, conditions and limitations are contained in the Program documents.
Any conflict between this brochure and the official Plan documents, the official Plan will govern. The Trust
reserves the right to amend, modify or terminate the Plan at any time without providing advanced written
notice.
We’ve Got You Covered.
1-800-In-Unit-6
1-800-468-6486
CCPOA
Benefit Trust Fund
2515 Venture Oaks Way, Suite 200
Sacramento, CA 95833-4235
www.ccpoabtf.org
The Disability Benefit Program is governed by the Employee Retirement
Income Security Act of 1974, as amended ("ERISA"). Please read the
Disability Benefit Summary Program Description for more information
about the Program and your rights under ERISA.
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❏ ❏
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D.The gastrointestinal tract, liver, gall bladder, stomach,
including ulcer or hernia?
E. The genito-urinary system, kidneys, reproductive
organs including prostatitis or uterine fibroids,
albumin, blood or sugar in the urine?
J. Any injury, disease, condition, or abnormality not
mentioned above, including, for example, bone
injuries?
I. Any physical defect or deformity including impaired
vision, speech or hearing?
H.Acquired Immune Deficiency Syndrome (AIDS), AIDS
Related Complex (ARC), HIV or any other immune
deficiency disorder?
G.Cancer, tumor, arthritis, gout or disorder of joints,
muscles or bones?
F. The endocrine system including diabetes, thyroid or
adrenal disorder?
❏ ❏
❏ ❏
❏ ❏
❏ ❏
❏ ❏
❏ ❏
Yes NO
Date of Application:
AC T I V E
K. Are you actively working within the duties of your occupation?
❏ ❏
C.The heart, blood or blood vessels including heart
attack, heart murmur, anemia, high blood pressure,
chest pains, rheumatic fever, or hepatitis?
❏ ❏
Yes NO
B. The respiratory system including tuberculosis,
asthma, emphysema or shortness of breath?
A. The brain or nervous system including epilepsy,
dizziness, stroke, mental or nervous disorder?
IMPORTANT NOTE: All participants in the Disability Benefit Plan need to complete a Survivor Benefit Beneficiary Designation Form for this program. This form is available at www.ccpoabtf.org or the Trust office.
Authorization: I understand that I will be required to sign a release of medical information provided to me by the Trust Office to determine eligibility for participation in and/or benefits under the Disability Benefit Plan. If my application for
participation in the Disability Benefit Program is approved my signature serves as my express written authorization of payroll deductions for the coverage I have elected at the rate in force until I notify the Trust in writing to discontinue deductions,
or otherwise cease to be eligible to participate.
Signature of Applicant: X
Active
Sex:
❏ Male ❏ Female
ZIP:
In the past 5 years has there existed, or have you been treated for or told by a physician or practitioner that you have conditions implicating any of the following:
State:
SSN:
“I hereby authorize the State Controller to deduct from my salaries and wages the amount specified now or in the future for membership dues and any benefit program for which
I have applied, which is sponsored by the California Correctional Peace Officers Association (CCPOA). This authorization will remain in effect until canceled by me or by CCPOA
Benefit Trust Fund. I certify that I am a member of CCPOA and understand that termination of CCPOA membership will cancel all deductions made under this authorization.”
Please explain all of the “YES” answers checked, except “K” (including dates)
If necessary, use additional paper. The falsity or lack of completeness of any statement
made on this application shall be sufficient reason for the denial, suspension or
termination of benefits under this program.
❏ GOLD SHIELD – $65/month
❏ SILVER SHIELD STD – $45/month
■ Plan Selection (Check One)
Height:
E-mail:
Weight:
City:
Address:
Phone:
Birthdate:
Application CCPOA Disability Benefit Plan
Full Name (print):
We’ve Got You Covered.
1-800-In-Unit-6
1-800-468-6486
CCPOA
Benefit Trust Fund
2515 Venture Oaks Way, Suite 200
Sacramento, CA 95833-4235
www.ccpoabtf.org
The Disability Benefit Program is governed by the Employee Retirement
Income Security Act of 1974, as amended ("ERISA"). Please read the
Disability Benefit Summary Program Description for more information
about the Program and your rights under ERISA.
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2013_DBPBroch.v4
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