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19th September 2016, 05:15 PM
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Join Date: Aug 2012
Re: CAPF Long Term Disability

CAPF or California Association of Professional Firefighters provides superior Long Term Disability Coverage to over 16,000 Fire Service Participants – since 1985.


The details about the Enhanced Individual Plan (EIP) - Full Time Safety as offered under Individual LTD Plans by California Association of Professional Firefighters (CAPF) are as follows:


Monthly Cost

$24.50 per month - payment options: monthly bank draft, credit card or annual billing


Eligibility for Enhanced Plan
Must be an active, full-time Safety member of a fire department or association under a Safety Retirement system (CalPers, County Act 1937, or Municipal Plan)


Percentage of Wages Protected
100% of wages for Catastrophic Disabilities for up to 30 months, then 80% (70% if IOD)
80% of wages Non-Industrial Disability
70% of wages Industrial Disability (75% with deductible income)
(No Workers' Compensation permanent disability offsets)
Maximum Benefit of $10,000 per month, tax-free


Benefit Period
Lifetime Coverage of Sickness, Accident, & Pregnancy (Industrial disabilities and Non-Industrial disabilities)


Freeze of Personal Leave Option
After 60 calendar days


Details of Individual LTD Plans by CAPF



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