The Disability program protects one of your most important assets; your ability to earn a paycheck. If you become disabled due to an injury or illness and can’t work, this program is designed to provide you and your family with a continuing monthly income up to a maximum of $10,000 per month. The Disability program provides this protection around the clock — 24/7. This program far exceeds other plans offered to Peace Officers and provides unparalleled financial security.
Listed below are the three Safety and two Non-Safety Disability plans offered:
Safety Disability Plans
Silver Plan beginning at $18.50 per month is totally self-funded and offers coverage for a period not to exceed 24 months.
Gold Plan beginning at $29.70 per month provides both Short Term Disability (STD) and Long Term Disability (LTD) coverage protecting up to 66 2/3% of your monthly salary. Under the STD Plan, benefits are self-funded by the Insurance and Benefits Trust of PORAC (IBT) during the initial 12 months of a claim, after which your coverage seamlessly transitions to the fully insured LTD Plan which is underwritten and administered by MetLife.
Platinum Plan beginning at $34.00 per month provides both STD and LTD coverage protecting up to 70% of your monthly salary. Under the STD Plan, benefits are self-funded by the IBT during the initial 12 months of a claim, after which your coverage seamlessly transitions to the fully insured LTD Plan which is underwritten and administered by MetLife.
Non-Safety Disability Plans
Gold and Platinum Non-Safety Plans are fully self-funded by the IBT and have a three-year Maximum Benefit Period.
- Platinum Safety Disability Plan 2021
- Gold Safety Disability Plan 2021
- Silver Safety Disability Plan 2021
- Non-Safety Plans 2021
Documents for the 2018 STD Plan underwritten with the Standard Insurance Company are available upon request.