The Los Angeles Police Relief Association (LAPRA) offers Long Term Disability (LTD) coverage through UnitedHealthcare. LTD insurance provides income replacement if you experience an illness or injury. Generally, benefits begin after you have been unable to work for 30 consecutive days.
For Active LAPRA Members Only
You are eligible to enroll if you are an active LAPRA member or enrolled to become an active LAPRA member. If you enroll on the date of your new recruit class, your coverage will become effective on that day.
If you do not enroll for LTD (which includes AD&D insurance) within 31 days of first being eligible, you will be required to complete an Evidence of Insurability form to enroll at a later date. Your coverage will not be effective unless approved, in writing, by UnitedHealthcare.
How It Works
LTD provides a monthly benefit after you have been totally disabled for an elimination period of 30 consecutive days. Benefits continue while you are totally disabled. Refer to the table for other plan highlights.
|
Monthly Benefit |
$600 |
|
Elimination Period (the period of time during which you must be continuously disabled before benefits begin) |
30 consecutive days |
|
Maximum Benefit Duration: |
12 months |
|
Maximum Benefit Duration: all other covered conditions |
Lifetime |
|
Accidental Death or Dismemberment Benefit |
$2,000 |
|
Lump Sum Survivor Benefit (paid to your beneficiary if you die while receiving LTD benefits) |
$1,800 |
|
Cost Per-Pay-Period |
$1.15 |
Filing an LTD Claim
When you are ready to file an LTD claim, contact LAPRA at Benefits@lapra.org or (213) 674-3701 for instructions and claim forms.
Definition of Disability
You are disabled when the insurance company determines that you are unable to perform the material and substantial duties of your regular occupation due to your illness or injury. After 12 months of benefit payments, you are considered to be disabled when the insurance carrier determines that, due to the same sickness or injury, you are unable to perform the duties of any gainful occupation for which you are reasonably fitted by education, training or experience.