What is PORF?
In January 1990, as a part of negotiations for a new Salary MOU for units 611 & 612, ALADS and PPOA established the Peace Officers’ Relief Fund (PORF). The purpose of PORF is to provide you the peace of mind that comes with knowing that income will continue in the event of an injury or illness, on or off-duty. PORF is a benefit that you receive at no cost to you. PORF is entirely funded by the County as a result of salary negotiations with your Bargaining Team.
Specifically, PORF provides these two important benefits:
1. Long-Term Disability (LTD):
This benefit pays up to 60% of your pre-disability base salary. The monthly benefit amount may be reduced by any other income you receive for the disabling condition.
Benefits begin after 90 consecutive days of disability and are payable for the duration of your approved disability up to Social Security retirement age. Benefits are payable for both on- and off-the-job disabilities.
2. Group Term Life Insurance (GTL):
This benefit pays a $125,000 death benefit.
| Who is eligible for PORF? |
| All Full-time, Active sworn peace officers belonging to Bargaining Units 611 and 612: Deputies, Sergeants, Lieutenants, and District Attorney Investigators (DAIs). |
| How do I obtain the PORF benefit information booklet? |
| ALADS members can call 800-842-6635. PPOA members can call 323-261-3010. |
| What is the Long Term Disability (LTD) Benefit? |
|
| Will the PORF benefit I receive be offset by other benefits? |
Yes. Eligible and ineligible offsets are listed below:
|
| When does the PORF LTD benefit terminate? |
| When claimant returns to work (no longer disabled) or age 65. |
| How do I file a claim? |
| A claim packet will be sent to you via email or US Postal Service mail, your choice. For a claim packet: ALADS members may call 800-842-6635. PPOA members may call 323-261-3010. |
| Is the LTD benefit taxable income? |
| Yes. |
| Will the LTD benefit affect my retirement or workers compensation settlement with the County? |
| No. |
| Will the LTD benefit be deducted from my paycheck? |
| No. The PORF disability benefit is not a part of your regular salary/income. |
| How will you know how much I earn each month while I’m off? |
| The PORF Administrator will request your current payroll information from the respective department and provide that information to the insurance carrier. |
| If I am on 50% Sick time, will I get the other 50% from PORF? |
| No. The PORF disability benefit is not a part of your regular salary/income. The Plan pays up to a maximum of 60% of your gross monthly salary, “income before taxes” less 4850/work comp time, Sick time, or retirement money earned for the month, for each month you are approved to receive the PORF benefit. |
| Can I file a claim for an injury that occurred 5 years ago? |
| You may request claim forms, but, (1) it would be up to the insurance company to decide if they will honor the claim after such a long time, and (2) because we obtain monthly pay status info from payroll office, it may delay processing of claim beyond the average 5 week timeframe. |
| What is the amount of life Insurance? |
| $125,000 |
| Is there an Accelerated Benefit option? |
| The Living Benefit will be an amount equal to 50% of the Death Benefit applicable to the Insured under the Policy on the date of the Certification of Terminal Illness, subject to a maximum benefit of $50,000. |
| Waiting Period? |
| No. |
| Can I continue the life insurance benefit during an absence? |
Yes. The policyholder may continue the insurance during the following absences:
|
| How do I change my beneficiary designation? |
| Simply call one of the numbers below and a beneficiary designation form will be mailed to you. ALADS members may call 800-842-6635. PPOA members may call 323-261-3010. |