Group Short Term/Long Term Disability Plan

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 the Standard Insurance Company.

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 the Standard Insurance Company.

The Gold and Platinum Non-Safety plans are fully self-funded by the IBT and have a three-year Maximum Benefit Period.

Safety Plans 2018
Safety Platinum Plan 2018

Safety Gold Plan 2018

Safety Silver Plan 2018

Non-Safety Plans 2018