LAPRA

When we think of our most important assets, it's easy to forget that our income may be the one that needs protection most. That’s why the Los Angeles Police Relief Association (LAPRA) offers off-duty LTD coverage, through UnitedHealthcare.

LTD insurance provides income replacement if you experience a non-work related covered illness or injury. The coverage can help with every day bills, such as the mortgage or rent, that continue even when you can’t work.

You are eligible to enroll if you are an active LAPRA Member or enrolled to become an active LAPRA Member.

LTD provides a monthly benefit after you have been totally disabled for 30 consecutive days (this is known as the “elimination period”). Benefits continue while you are totally disabled.

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.

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: mental health/alcoholism/chemical dependency Maximum Benefit Duration: all other covered conditions		12 months 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

The foregoing illustration of benefits is provided for your convenience, and is subject to all terms, conditions, provisions, limitations
and exclusions of the UnitedHealthcare Group Insurance Contract. Please read your Group Insurance Booklet for complete details on benefits.

What happens if I don’t enroll for Off-Duty LTD insurance when I’m first eligible?

If you don’t enroll for Off-Duty LTD (which includes AD&D insurance) within 31 days of first being eligible, you will be required to complete an Evidence of Insurability form. Your coverage will not be effective unless approved, in writing, by UnitedHealthcare.