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.
Lifetime Coverage Sickness and Accident
Industrial & Non-Industrial Disabilities – 2 years own occupation definition
Pre-Existing Medical Condition Coverage
Owned and managed by its Participants through a representative
Board of Directors (non-profit California Corporation since 1985)
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, 255 Scottsville Blvd., Jackson, CA 95642.
Please do not discontinue any other coverage until you have been notified that
your CAPF LTD Plan has gone into effect.