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
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
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.