Policy 2- WSCFF Life & Long-Term Disability Program

firefighters battling blaze and smoke

Policy #2:

Your Insurance through the Washington State Council of Fire Fighters (WSCFF)

As a Trust member, you are also enrolled in long-term disability (LTD) insurance through the Washington State Council of Fire Fighters (WSCFF). This is part of a group plan for Washington firefighters that also comes with some basic life insurance coverage for you and your dependents. You are automatically enrolled in the plan if you were hired after 2010, as part of your initial onboarding. Premiums are based on your salary, and there is nothing you need to do to manage this plan, other than adding and updating your beneficiaries.

 

WSCFF Life & Long-Term Disability Program – Plan 2 Benefit Summary

  • Life/AD&D and Long Term Disability Insurance
  • Standard Policy #771100
  • Effective 1/1/2019

For copies of policy certificates and/or help filing a claim, please contact DiMartino Associates.

Phone (206) 623-2430 or toll-free at (800) 488-8277

Download the Enrollment Change form

Basic Term Life Insurance

Employee Basic Life Benefit

$15,000; paid to your beneficiary if you die for any reason

Dependent Life Benefit— Spouse and Dependent Child to age 26

$1,000; paid to you if your spouse or dependent child die for any reason

Benefit Reduction Schedule

Amount your benefit reduces to if you are still working: 50% at age 70, 40% at age 75 and 20% at age 80+

Waiver of Premium

Your Basic Life insurance will continue without payment of premiums while on long-term disability with The Standard; must be disabled prior to age 60

Portability

Employee and covered dependents may port Basic Life insurance until age 70; see Portability rates in your Policy Certificate

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Accelerated Death Benefit

You may be eligible to receive an accelerated benefit of 75% to a maximum of $500,000 of your Basic Life insurance if you have a qualifying medical condition; must be under age 60 to qualify

Conversion

Included. Member may convert to a whole life policy upon termination; subject to market rates

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Basic Accident Insurance

Employee Basic AD&D Benefit

$15,000; paid to your beneficiary if you die as a result of an accident; partial benefit paid for certain dismemberments. See Schedule of Coverage.

Schedule of Coverage

(Refer to Policy Booklet for full Schedule of Coverage)

Loss of one hand or one foot

50% of Principal Amount

Loss of sight in one eye, speech or hearing in both ears

50% of Principal Amount

Two or more of the above losses

100% of Principal Amount

Thumb & index finger on same hand

25% of Principal Amount

Quadriplegia

100% of Principal Amount

Paraplegia

50% of Principal Amount

Hemiplegia

50% of Principal Amount

Benefit Reduction Schedule

Amount your benefit reduces to if you are still working: 50% at age 70, 40% at age 75 and 20% at age 80+

Child Care Benefit

The total child care expense incurred by your spouse within 36 months after the date of your death for all children under age 13, but not to exceed $5,000 per year or the cumulative total of $10,000 or 25% of the AD&D benefit, whichever is less

Public Transportation Benefit

The lesser of (1) $200,000 or (2) 100% of the AD&D benefit otherwise payable for the loss of your life

Occupational Assault Benefit

The lesser of (1) $25,000 or (2) 50% of the AD&D benefit otherwise payable for the loss of your life.

Line of Duty Benefit

Additional 100% of Principal Amount payable upon receipt of due proof that covered person, while serving in the Line of Duty, suffers a covered loss that results directly and independently of all other causes from a covered accident

Seat Belt Benefit

The lesser of (1) $10,000 or (2) the amount of AD&D benefit otherwise payable for the loss of your life

Higher Education Benefit

The tuition expenses for training incurred by your spouse within 36 months after the date of your death, exclusive of room and board, but not to exceed $5,000 per year, or the cumulative total of $10,000 or 25% of the AD&D benefit, whichever is less

Long-Term Disability Insurance

Benefit Waiting Period

90 days-Number of calendar days you must be disabled before a benefit is payable

Maximum Benefit Duration

To age 62

Monthly Benefit

60% of Covered Earnings; maximum $5,000/month

Minimum Benefit

$100/month

Definition of Disability

24 month Own Occupation; followed by Any Occupation for the remainder of the benefit period.

Own Occupation Period: For the first 24 months of your long term disability, you are disabled if you are unable to perform the material duties of your “own” occupation.

Any Occupation Period: After 24 months, you are disabled if you are unable to perform the material duties of “any” occupation which you are reasonably suited for, based on education or experience, and at which you can be expected to earn at least 60% of what you were making prior to becoming disabled.

Deductible income

Your benefit will be reduced by certain other income you are eligible to receive from other sources: Work Earnings, Sick Leave, LEOFF/PERS Retirement Benefits, Worker’s Compensation, Other Group Disability Benefits and Washington State PFML benefits. See Policy Certificate for full list of Deductible Income sources

LEOFF Integration

For the first 12 months that you are receiving your LEOFF or PERS retirement benefit, you may keep up to 100% of pre-disability earnings between the two. After 12 months, your LTD benefit is reduced by the amount you receive in LEOFF or PERS benefits, dollar for dollar.

Pre-Existing Condition Limitation

3 month look back / 3 month symptom free / 12 months insured

Mental Illness/ Substance Abuse Limitation

24 months per incident benefit for disabilities arising from a mental illness or from substance abuse.

Subjective Condition Limitation

24 months per incident for disabilities arising from a musculoskeletal issue or other subjective condition. See Policy Certificate for more information.

Taxation of Benefit

If monthly LTD premiums are paid with post-tax dollars, the LTD benefit will be tax-free to the member. If premiums are paid pre-tax, the benefit will be taxable.

This benefit summary is only a summary of the benefits and not intended to replace the specifics of the Plan Contract. If there is a discrepancy , the Plan Contract will supersede this summary.