LAPPL Open Enrollment Booklet 2022

los angeles police protective league
benefits

OPEN MAY 1 - may 31
2022

ENROLLMENT

open2022-2023

enrollment

It’s that time again! The Los Angeles Police Protective
League (League) will hold its annual Open Enrollment
period May 1st - May 31st, 2022. All coverage changes
during Open Enrollment will become effective July 1,
2022.
Now is the time to update your League Delta Dental.
Effective July 1st, 2022, there are no changes to plan
designs or monthly rates!
For an additional cost, you can also apply for
additional Life/AD&D, Long Term Disability (LTD), and
Legal. If you increase your Life/AD&D or elect LTD
outside of your new hire window, you will be required
to submit a Statement of Health (SOH) to be reviewed
and approved by MetLife.

2

OPEN enrollment checklist

Visit www.lapplbenefits.com, or scan the QR code, to
review your contact information. Be sure to update your
address, phone number and personal email address!
Review your current benefits enrollment information for you and
your dependents (Dependents include your Spouse/Domestic
Partner and children under age 26)
Review and begin to collect documents if you need to add or
remove dependents (Document examples include birth certificate,
marriage license, etc.)
Contact the LAPPL Insurance Department at (800) 736-7070. Our
insurance staff is available to discuss any questions or address
any issues as you walk through Open Enrollment

3

2022-2023 LAPPL

open enrollment Benefit highlights

No change to plan designs or rates!
Largest dental network in the industry with the biggest discounts!
Three in-network cleanings per year included at no cost to you!
No deductibles for in-network PPO dentists
In-network Diagnostic and Preventive benefits not applied to your
calendar year maximum

dual DENTAL COVERAGE

The Delta Dental PPO plan allows for dual coverage. You, as the primary
insured, would be billed first, but your spouse or domestic partner’s
coverage would be secondary, which could lower your out-of-pocket
costs.
How much you save depends on whether your secondary carrier has a
non-duplication of coverage clause. Make sure to check the plan booklet
of the secondary carrier for this clause. If LAPPL is the secondary carrier,
they have standard dual coverage.

Type of Coverage Primcaorvyecrasrrier caSrericeorncdoavreyrs Your pcaoyvserage
50% N/A 50%
No dual coverage 50% 80% 100%
Standard dual coverage
Dual coverage with non 50% 80% 80%
duplication of benefits

4

dental

LAPPL partners with Delta Dental, the largest provider of dental benefits in
the country, to offer the most comprehensive dental benefits available to our
members. Highlights of the Delta Dental plan include:

• Three in-network cleanings per year included at no cost to you!
• In-network Diagnostic and Preventive procedures are not applied to your

calendar year maximum
• A cost estimator tool to help budget your costs for covered benefit

procedures is available at www.deltadentalins.com

LAPPL Delta Dental PPO

Provider Type In-network Out-of-network
$1,000
Calendar Year Maximum $2,000
(per person)
Diagnostic & Preventive
Waiver Included

Calendar Year Deductible None $70/ $210
(Individual/Family)
100% (Waived for Diagnostic ,
Diagnostic and Preventive 90%/ 10% Preventive, & Orthodonta)
Basic Services
Major Services 80%/ 20%
80%/ 20%

Crowns 60%/ 40% 50%/ 50%
Bridges 50%/ 50% 50%/ 50%

Dentures 50%/ 50% 50%/ 50%
Implants 60%/ 40% 60%/ 40%
50%/ 50% 50%/ 50%
Orthodontia
(Including adults & children) (Including adults & children)
Orthodontia Lifetime Max
(per person) $2,250 $1,000
Night Guard
Lifetime TMJ-MPD Max 80%/ 20% 80%/ 20%
Single Coverage
Family $500

$0.00 per paycheck

$15.50 per paycheck

*Outside of the open enrollment period, the ability to add or delete dependents or to make
other modifications to your plan is severely limited by Internal Revenue Service Section 125.

This is a summary of benefits only. Refer to the actual policy for details.

5

Year-Round
Benefits

Enrollment

Members can enroll in Life/AD&D Insurance and
Long-Term Disability (LTD) at any point during the
year, so long as you submit a Statement of Health

(SOH) which is reviewed and approved
by MetLife.

The following pages contain information on
these plans.

6

LIFE INSURANCE

The League has Basic Life/AD&D coverage for $185K for members at
NO COST!
This may not be enough based on your specific needs. If something
were to happen to you, make sure your loved ones would be able to
meet financial obligations.
For an additional cost, members can enroll in additional coverage
year-round with a Statement of Health (SOH).

COVERAGE:

• All officers are auto enrolled in $185K of Basic Life and Accidental
Death & Dismemberment (AD&D)*

• All supplemental coverage includes matching AD&D benefits
• Supplemental Life Insurance maxes out at $1M or 10x your annual

base salary, whichever is less
• Supplemental Spouse/Domestic Partner Life Insurance available

up to the lesser of 100% of your supplemental life coverage or
$300k, subject to a Statement of Health (SOH)
• Supplemental Child Life Insurance costs $1.07 per check and
provides $10,000 of coverage for each of your children

*You must designate a beneficiary for your Basic and Supplemental Life coverage

7

Life/AD&D
Additional benefits

All active members and their spouses or domestic partners have access
to the following MetLife Group Life Value Add Services:
• WillsCenter.com
• MetLife Infinity: Please visit www.metlifeinfinity.com for more details.
• Travel Assistance: Please visit www.metlife.com/travelassist for more

details.
• Funeral Assistance
• Funeral Planning and Discounts
• Beneficiary Claim Assistance

Life/AD&D Insurance dual coverage

You, as the primary insured, can elect Supplemental Life/AD&D up to
the lessor of $1 million or 10 x your annual salary. If you are enrolled in
Supplemental Life/AD&D, you can also elect Spouse Life/AD&D up to the
lessor of $300,000 and 100% of your Supplemental Life/AD&D coverage
amount.

If you and your spouse are both LAPPL members, you can also enroll in
the Child Life/AD&D plan and have double coverage for your children.

Example 1: You have $1,000,000 of Supplemental Life/AD&D coverage
for yourself. Your spouse/domestic partner is also a LAPPL member and
is enrolled for Supplemental Life/AD&D in the amount of $500,000. Your
spouse also elects $300,000 of Spouse Life/A&D. You are in a covered
accident that results in your death. Your named beneficiary will receive
$2,000,000 for Supplemental Life/AD&D. Your Spouse will also receive
$600,000 for Spouse Life/AD&D. (The member who elects Spouse
Life/AD&D will always receive the proceeds of the Spouse Life/AD&D
benefits.)

Example 2: If you and your spouse are both LAPPL members and
enrolled in the Child Life/AD&D plan, each child is covered for $20,000 in
Life/AD&D.

For more information, please visit www.lapplbenefits.com and refer to the “MetLife Value
Services” flyer or contact the LAPPL Insurance Department at (800) 736-7070 or email at
[email protected]

8

LONG TERM
DISABILITY (ltd)

Benefit MetLife LAPPL offers a fully insured LTD*
Covered Salary 66.67% plan through MetLife that covers
Monthly Maximum you for injuries and illnesses you
Benefit Duration $10k sustain on-duty or off-duty.
SSNRA**

• If you are injured off-duty, benefits will be paid once your 60-day
elimination period has been met and your claim has been received
and approved by MetLife

• If you are injured on-duty, benefits will be payable after IOD/State
Rate pay has been exhausted and your claim has been received
and approved by MetLife

Features: Limitations:
• Survivor benefit • Pre-existing condition - 6/12 months
• Mental/Nervous Illness Limitation
- 3 months***
• Rehabilitation Program - 12 months of benefits
• Substance Abuse Limitation
Incentive
• Work Incentive - 12 months of benefits
• Family Care Incentive • Offsets (such as, but not limited to,
• Moving Expense Incentive
pensions, sick and personal time off
which is not Anderson Time)

Log on to www.lapplbenefits.com to review your official policy
document for further information. If you have any questions pertaining
to the LTD plan, please contact the LAPPL Insurance Department at
800-736-7070.

*LTD elections made outside of your new hire window requires a Statement of Health
to be completed and submitted to MetLife for coverage approval
**SSNRA (Social Security Normal Retirement Age; LTD benefit period is determined
by Own Occupation and Any Occupation definitions. Please contact the LAPPL
Insurance department for more information.)
***Beneficiary designation is required for the LTD survivor benefit. Please log on to
www.lapplbenefits.com to update your beneficiary designation

9

LEGAL PLAN

Members can enroll in the Legal plan at any time
unless coverage has been waived or cancelled. If
you cancel the LAPPL Legal plan, you will not be

eligible to re-enroll for at least 3 years.
The following page contains information about

this benefit.

10

legal

Summary of Legal Defense Plan Benefits
• Legal consultation and representation concerning

disciplinary matters, including administrative
interviews, Board of Rights hearings, and Skelly
procedures
• Legal representation at civil proceedings for
actions arising out of course and scope of
employment*
• Legal representation at criminal proceedings
for actions arising out of course and scope of
employment*
• Payroll reimbursement for loss of salary for up to
30 days per year
• Legal representation at Grand Jury inquiries,
objections to placement in the Brady/ORWITS
System, contempt proceedings, and Pitchess
hearings

*Upon a Qualifying Event, please log on to
www.lapplbenefits.com and reference the LAPPL Legal
Defense Plan plan document for details.

Please note, if you cancel the LAPPL legal plan, you
will not be eligible to re-enroll for at least 3 years.
For questions regarding the Legal Defense Plan
contact the LAPPL insurance Department at:
800.736.7070 or email at [email protected]

11

union
benefits

As members of LAPPL, you also have access to
additional union benefits, such as the Member
Assistance Program (MAP), Pet Insurance, and
other resources. The following pages contain

information about these additional benefits.

12

member assistance
program (map)

The League’s Member Assistance Program is provided by The Holman
Group (Holman), which offers confidential, professional counseling
assistance and a 24-hour hot-line seven days a week to assist in times
of personal crisis. LAPPL’s MAP has been created to support you and
your loved ones when you need it most. You have ten face-to-face
sessions with a behavioral Counselor available to you per incident
– and your household members too. Counselors are here to provide
help to you and your loved ones on a variety of areas and issues you
may be struggling with; examples of some issues include, but are not
limited to:

• Family or marital problems
• Parenting challenges
• Child and elder care support
• Workplace stress
• Substance abuse benefits

You can access your MAP benefits online at
www.HolmanGroup.com and enter username: LAPPL and
password: PPL2020 or you can call (888) 285-2858
If you are unable to reach The Holman Group by phone at
(888) 285-2858, please contact LAPPL’s Insurance
Department at (800) 736-7070

13

substance
abuse benefit (sab)

Key Elements of the SAB

• Up to 35 days per year at No Cost (2 times in 5 years)
• Confidential & Voluntary Participation
• Intensive Outpatient Substance Abuse
• Partial Hospital Substance Abuse
• Residential Treatment Substance Abuse
• Inpatient Detox Substance Abuse
• Qualified Licensed Facilities for Police Officers
• Qualified Licensed Facilities for Adolescents & Family

Members

14

how sab works

Identify a problem.

LAPD Advocate or other Representative call and speak with Client Services (888)285-2858.

Troubleshooting Client Services speaks A: Verbal good for same
complications or issues, with member, completes phone call.
please reach out to the Intake, arranges for HIPAA
League Benefit Director. release to be signed by B: Signed Release good for
member then transfers up to a year.
member to Care Manager
C: Form can be downloaded
for Assessment. from the League website or

lapplbenefits.com.
D: Electronic version
can be emailed to email of

your choice.

Care Manager does Assessment

Assessment for Care Completed

Meets criteria for Inpatient care Meets criteria for Partial Hospital or
Referred to In-Network Facility Outpatient, Referred to In-Network Program
Sends HIPAA Release to Facility
Sends HIPAA Release to Facility

Care Manager Authorizes Care Continues Concurrent review with facility until discharge.

Client Services receives signed HIPAA release; follows up with LAPD Advocate or Other
Representative as needed.

15

pet insurance

LAPPL has partnered with MetLife
to provide members access to the
MetLife Pet Insurance plan.
Pet ownership is on the rise and
so many pets are a member of the
family and when they need to see
the vet, it can be emotionally and
financially stressful.
MetLife Pet Insurance can help
alleviate some of that worry by
helping to reimburse for covered
unexpected veterinary expenses.

MetLife Accident MetLife Accident,
and Illness Illness and Wellness

Max Annual Benefit $1,000 - Unlimited
Deductible
Reimbursement $0 - $2,500
Accidents and Inuries
Wellness 65% - 100%

Exclusions Covered

Additional Services Not Covered Covered

Pre-existing conditions; Elective procedures;
Dental care; Prescription food; Behavior
training; Boarding; Remains disposal

Cremation Benefits

Please note this is a summary only. Please refer to the actual policies and proposals for complete details.

How does the MetLife Pet Insurance work?

• Visit metlife.com/LAPPL or call 1-800-GET-MET8 to request a quote
• Select and enroll in the coverage that’s right for you and your pet
• Download MetLife’s mobile app
• Take your pet to the vet
• Pay the bill
• Send the bill and your claim to MetLife via the mobile app, online

portal, email, fax or mail
• Receive reimbursement by check or direct deposit if the claim

expense is covered under the policy

16

Additional Union
Benefits and Resources

As a member of LAPPL, you have access to comprehensive resources
and additional benefits, including, but not limited to:
• LAPPL EAGLE and Badge Foundation: A philanthropic

organization created by the members and supporters of the Los
Angeles Police Protective League that funds community and
special projects throughout Los Angeles. For more information,
please visit http://eagleandbadgefoundation.com/
• Catastrophic Leave Fund: A bank of donated time off that benefits
officers in need of time off for extreme family emergencies or
illness.
• LAPPL Officer Needs Help Fund
• LAPPL Education/Training Reimbursement
• Special Offers - LAPPL offers our members exclusive discounts!
For more information on these discounts, please visit
www.lapd.com/members/special-offers
• A Deferred Compensation Plan through the City of Los Angeles
• Butterfly Fund Scholarship Award
• Guard Cards and Gun Permit Renewals
• Thin Blue Line: A magazine with informational articles provided by
LAPPL
• SmartRide: A program that will reimburse members up to a
$40 ride, twice in the same calendar year for any licensed
transportation service (Taxi/Uber/Lyft, etc.) of their choice for a
safe ride home or to a place where they are staying.
• Andersen Form (Link here)

17

LAPPL Benefit
Enrollment Website

LAPPL’s online enrollment platform provides our members with the
power to access their benefits when and where they need them.

www.lapplbenefits.com

• Review and update your personal information
• Review your current benefit elections
• Make benefit changes for the 2022 – 2023 plan year
• Add/Remove your dependents
• Update your beneficiary information
• Access benefit information

Get started

Visit www.lapplbenefits.com and
login by entering your username
and password. If you are a first-
time user, click on ‘Register’ to
set up your user name, password
and security questions

Forgot your password?

1. Visit www.lapplbenefits.com
and click on the ‘Forgot your
password?’ link.
2. Enter your social security
number, company key and date
of birth.
3. Answer your security phrase.
4. Enter and confirm your new
password, then click ‘Continue’
to return to this page and login

Register

As a first-time user, you will be
required to set up a username,
password and security question
using your SSN and Date of Birth

18

Important information! Make sure to log on to www.lapplbenefits.com and
enter your LAPPL login credentials to access your LAPPL benefit portal.
If your desktop or mobile phone keeps directing you to LAPRA’s login
screen, make sure you enter your LAPPL login credentials to access
your LAPPL benefit portal.

Begin Enrollment

Click ‘Start Here’ and follow the
instructions to enroll in your benefits
or waive coverage

Want to review your current
plan?

You have year-round access to your
benefit summary and specific benefit
elections at www.lapplbenefits.com.
1. Click on ‘Benefits Summary’
2. Review your current plan elections

Want more information on
LAPPL plans?

View the LAPPL Benefit Summaries
and other important documents in the
‘Reference Center’

Review and update your
personal information?

Be sure to update your personal
email address
If you are married or have a domestic
partner, please be sure they are
updated and listed as a dependent.
Please be sure to update your marital
status if you’ve recently been married
or divorced by adding or removing
them as a dependent.

19

Make your elections

Review your options as you walk through
the enrollment process. Select the plan(s)
you choose. Track your choices along the
enrollment bar which updates your total
cost.
If you have any questions as you go
through enrollment, please call the LAPPL
Benefits Service Center at 855-327-5019.
Use the ‘Reference Center’ tools to help
you make elections

Review your elections

Review, edit and approve your personal
information, elections, dependents and
total cost

20

Confirm your choices

Your enrollment isn’t complete
until you confirm your benefit
elections by clicking on ‘I Agree”

Required Actions

You may need to complete
required actions such as providing
documentation for dependent
verification or completing a
Statement of Health (SOH), if
applicable

Download Print

Download the MyChoice mobile Be sure to print your election
app for easier access to your information and confirmation
benefits information! number for future reference

21

LAPPL Benefit
Enrollment Mobile App

LAPPL’s online enrollment platform also includes the MyChoice mobile
app which allows members easy access to: view their benefit elections,
view beneficiaries, stay on top of important enrollment deadlines, store
images of your ID cards and much more!
Getting Started
Step 1: Log into your benefits portal account at www.lapplbenefits.com
and click on the MyChoice Mobile App icon. You will enter your cell phone
number and the link for the app will be texted to you. Enter your unique
access code when prompted.

Step 2: Download the MyChoice mobile app to your Apple or Android
mobile device. The link will be texted to you in Step 1. However, you can
also search for it in the App Store or Google Play.
Step 3: Launch the app on your device and input your Access Code from
Step 1. When you initially enter the app, you will be prompted to create a
4-digit PIN number for your security. If you ever forget your PIN, you can
simply request a new access code as in Step 1.

22

PLANNING FOR
RETIREMENT

Here are points to consider if you are
thinking about retiring in the future:

Life/AD&D Insurance Coverage
Upon retirement, retirees have the option to continue their Life
Insurance coverage:

• Basic Life/AD&D can be ported or converted with no medical
exam.

• Supplemental Life/AD&D coverage can be ported or
converted, or continued through LAPPL for 24 months with
no medical exam.

• If continued through LAPPL, coverage can be
reduced during retirement but not increased and
premiums will be paid through LAFPP deductions.
After 24 months, retirees have the option to port and
convert coverage through MetLife directly.

Dental Insurance Coverage
Retirees must also decide if they wish to continue Dental Coverage
through LAPPL. The retiree dental subsidy is negotiated by LAPPL and
you would have the same plan as you had when you were an active
member.

Pet Insurance Coverage
Retirees must also decide if they wish to continue Pet Insurance
through LAPPL.

Please be advised, when you retire, you are not eligible for the Legal,
LTD, and MAP/SAB benefits.

23

Off Payroll Updates

If you fall off payroll, you may be eligible to continue your LAPPL
benefits via direct bill. Please note, a $25 administration fee may
apply.

contact us

If you have any questions regarding Open Enrollment or the LAPPL
Benefits, please contact our Insurance department. Our insurance
staff is available to set up telephonic appointments or to assist you
with any issues you have while you walk through Open Enrollment.

1308 W 8th Street, 4th Floor Phone: 800.736.7070
Los Angeles, CA 90017 Email: [email protected]
Web: www.lapplbenefits.com

LAPPL Insurance Website Phone
Department www.lapplbenefits.com (800) 736-7070

Delta Dental www.deltadentalins.com email at
[email protected]
MetLife Life/AD&D www.metlife.com DHMO: (800) 422-4234
MetLife LTD www.metlife.com PPO: (888) 335-8227
www.lapplbenefits.com
LAPPL Legal www.HolmanGroup.com 1-800-638-6420
Defense Plan and enter username: 1-800-638-6420
Member (866) LAPPL4U
Assistance LAPPL and
Program/ password: PPL2020 (888) 285-2858
Substance Abuse
Benefit metlife.com/LAPPL (800) GET-MET8
Pet Insurance

los angeles police
protective league

1308 W 8th Street, 2nd Floor
Los Angeles, CA 90017