Disabilities Happen. Bankruptcy Doesn't Need To.
What Is Gold Shield?
The CCPOA Disability Benefit Plan (Gold Shield) is designed to help you with basic living expenses while you are unable to work due to a disability. Gold Shield covers long-term illnesses and injuries caused while on-or-off the job. The plan covers disabilities from a wide range of illness, injury and disease, but there are some exclusions and conditions. For example: a disability that results from mental conditions or stress would not be covered.
Who Can Apply? Rank and File; Supervisor. Gold Shield is not available to Retired Members.
What Does Gold Shield Cost? Active: $55 monthly
What Does it Pay? Gold Shield pays a minimum of $300/mo - up to $6,000/mo.
How Does Gold Shield Actually Work?
Think of Gold Shield as an advance (technically called a provisional benefit ) on your Workers' Comp claim. Gold Shield provides you with living expense benefits, up to 67% of your income, while your case is processing.
If you win your case, you’ll receive a back-pay award from the Workers’ Compensation Appeals Board–which you would use to repay this provisional benefit (while still keeping each month’s minimum benefit). If you lose your case and you are otherwise eligible for benefits, you keep every dime.
What About NDI or CTB?
Gold Shield works in addition to (Coordinates) with income you are eligible to receive under Non- Industrial Disability Insurance (NDI), Catastrophic Time Bank (CTB), Enhanced Non-Industrial Disability Insurance (ENDI), Temporary Disability, Permanent Disability, Sick leave, and any other individual or group disability benefits (for example: disability insurance by Standard or AFLAC) to provide a combined total monthly benefit of up to 67% of your base pay.
BUT - if you have additional coverage with the Trust's Accident and Sickness Programs - then Gold Shield pays in ADDITION to those funds. These are the only programs that work hand-in-hand with Gold Shield to exceed the 67% limit.
Still Have Questions?
In this job, disability coverage is a must have, and we want you to get all the information you need when making your decision. Why not schedule a 1-On-1 video call with ARG - who can explain all your options. Book a time that fits your schedule, and of course you can have your spouse or significant other be there as well.
