The Participating Unit Plan will provide life and AD&D coverage to those associations who elect to insure 100% of their members. The plan will provide a maximum benefit of $100,000 on a guarantee issue basis to active members and up to a maximum of $10,000 on retired members.

You are eligible to apply for this coverage if:

a) You are actively working as a full-time sworn police officer or any full-time employee of a law enforcement department; and

b) You are working at least 25 hours per week, and

c) You are a member in good standing of the Peace Officer's  Research Association of California; or

d) A full-time employee of the Peace Officers Research Association of California; or

e) You are a retired member in good standing with either PORAC or RPOAC and your local association has chosen to insure 100% of its membership, both active and retired members.

 

When is coverage effective:

Provided you are actively at work and the required premium is paid, coverage is effective: On the date you become a member if you apply on or before that date.

 

What are Life Exclusions?

If you or your insured spouse/domestic partner or child dependent's death results from suicide or other intentionally self-inflicted injury, while sane or insane, during the first two (2) years of an increase in your coverage, the benefit payable will be limited to the amount of the premium paid for such coverage.

 

What are the AD&D Coverage Exclusions?

Benefits will not be paid for loss from war; suicide or self-inflicted injury (while sane or insane); committing or attempting to commit an assault or a felony, actively participating in a violent disorder except in the line of duty; heart attack or stroke; self-administered drugs, poisons or chemical compounds; sickness or pregnancy; or medical or surgical treatment for any of these.

 

How Do I Convert My Life Insurance?

If you, your spouse/domestic partner, or your dependent children, cease to be eligible for coverage, life insurance will continue without cost_ for 31 days. During that time you may covert your life insurance to a permanent individual life insurance policy (except term insurance) without a medical examination. You must apply for the new policy and pay the first premium within 31 days.

 

Who are My Dependent Children?

Children qualify for coverage from live birth through age 20 (or through age 24 if a full-time student at an accredited educational institution), and include your natural child, adopted child, or stepchild or child of your domestic partner living in your home, but do not include a full-time member of the armed forces of any country. Disabled children may also be covered beyond the limiting ages as provided in the group policy.

 

When Does Insurance Terminate?

• The date your membership in PORAC or RPOAC is terminated;

• The date you cease to be an employee of PORAC;

• The date the group policy is terminated;

• The date your local association discontinues its group coverage under the Participationg Unit Plan;

• The date you become a full-time member of the military;

• The date of expiration of the last period for which you made the required premium payment;

• The first of the year following your attainment of age 60 should you choose the "Termination Option" upon retirement.

 

Schedule of Benefits:

The Participating Unit Plan is available to all PORAC associations who wish to provide life insurance to all their members. Rate and plan design will be case specific.

 

Continuance of Life Insurance Upon Retirement:

Upon retirement a member has (2) options regarding the continuation of his/her life insurance coverage

1. Terminating Option - Continue 100% of your Life Insurance amount in effect immediately prior to your retirement. Coverage will terminate when you become 60 years of age.

2. Reducing Option - Continue 10% of your Life Insurance amount in effect immediately prior to your retirement. Coverage will reduce, beginning at age 60, as provided under the Reduction in Insurance section.