OPEN ENROLLMENT MAY 1 - may 31 2024 los angeles police protective league benefits
2024-2025 open enrollment It’s that time again! The Los Angeles Police Protective League (League) will hold its annual Open Enrollment period May 1st - May 31st, 2024. All coverage changes during Open Enrollment will become effective July 1, 2024. Now is the time to update your League Delta Dental. 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. Changes effective July 1, 2024: • Delta Dental PPO Plan Enhancements • DeltaCare USA DHMO Plan Closure • MetLife Long Term Disability (LTD) Plan Changes and Rate Updates 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
NEW – In-network Annual Maximum increasing from $2,000 to $2,500 per person* NEW – Out-of-network Annual Maximum increasing from $1,000 to $1,250 per person* NEW – Major Services, including Prosthodontics, from all providers, increasing from 50% to 60%* 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 2024-2025 LAPPL open enrollment Benefit highlights 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. *Benefit enhancement effective July 1, 2024 dual DENTAL COVERAGE Type of Coverage Primary carrier covers Secondary carrier covers Your coverage pays No dual coverage 50% N/A 50% Standard dual coverage 50% 80% 100% Dual coverage with non duplication of benefits 50% 80% 80% 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: • NEW – In-network Annual Maximum increasing from $2,000 to $2,500 per person* • NEW – Out-of-network Annual Maximum increasing from $1,000 to $1,250 per person* • NEW – Major Services, including Prosthodontics, from all providers, increasing from 50% to 60%* • 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 Calendar Year Maximum (per person) $2,500* Diagnostic & Preventive Waiver Included $1,250* Calendar Year Deductible (Individual/Family) None $70/ $210 (Waived for Diagnostic , Preventive, & Orthodonta) Diagnostic and Preventive 100% 80%/ 20% Basic Services 90%/ 10% 80%/ 20% Major Services Crowns 60%/ 40%* 60%/ 40%* Bridges 60%/ 40%* 60%/ 40%* Dentures 60%/ 40%* 60%/ 40%* Implants 60%/ 40%* 60%/ 40%* Orthodontia 50%/ 50% (Including adults & children) 50%/ 50% (Including adults & children) Orthodontia Lifetime Max (per person) $2,250 $1,000 Night Guard 80%/ 20% 80%/ 20% Lifetime TMJ-MPD Max $500 Single Coverage $0.00 per paycheck Family $15.50 per paycheck *Benefit enhancement effective July 1, 2024 **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
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. Year-Round Benefits Enrollment 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). • 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 under the age of 26** COVERAGE: *You must designate a beneficiary for your Basic and Supplemental Life coverage **Members are required to terminate Supplemental Child Life Insurance once all children are over the age of 26 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 Claims Concierge Experience 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] 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/AD&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. Life/AD&D Insurance dual coverage 8
LONG TERM DISABILITY (ltd) LAPPL offers a fully insured LTD* plan through MetLife that covers you for injuries and illnesses you sustain on-duty or off-duty. Features: • NEW - Includes $100k Accidental Dismemberment Coverage!** • Survivor benefit - 3 months**** • Rehabilitation Program Incentive • Work Incentive • Family Care Incentive • Moving Expense Incentive Limitations: • NEW - Includes Musculoskeletal Limitation - 24 months of benefits (per disability)** • Pre-existing condition - 6/12 months • Mental/Nervous Illness Limitation - 12 months of benefits (per disability) • Substance Abuse Limitation - 12 months of benefits (lifetime) • Offsets (such as, but not limited to, sick and personal time off which is not Andersen Time) • 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 Benefit MetLife Monthly Maximum $5k** Benefit Duration SSNRA*** *LTD elections made outside of your new hire window requires a Statement of Health to be completed and submitted to MetLife for coverage approval **Plan change effective July 1, 2024 ***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 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. 9
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. LEGAL PLAN 10
Summary of Legal Defense Plan Benefits 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] • 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. legal 11
SB2 Enhanced Legal Defense Plan What is SB2? California Senate Bill 2 (SB2) adopted by the legislature and signed into law by the Governor and took effect on January 1, 2022. It requires all police officers to be certified by POST. It also created a process for suspensions, revocation, and ultimately decertification of police officers’ ability to remain in the profession. Without a certification, you are unable to work as a police officer in the State of California. It is essentially your “license” to become, and remain, a police officer. LAPPL provides a comprehensive enhanced legal plan benefit for our members. As a member you have access to the SB2 enhanced legal plan which coverage includes: a. Legal representation in administrative proceedings which could result in the revocation or suspension of a California POST certification or license required to serve as a peace officer within the State of California, including investigative proceedings initiated by CA POST and any proceedings before advisory, first-level administrative or other POST related administrative bodies, by an LAPPL Panel Attorney arising from any act or omission of the participating member within the course and scope of his or her employment, including proceedings brought as the result of the participating member’s involvement in concerted labor activity, subject to the conditions set forth below. b. Coverage does not extend past the administrative hearing review and does not include judicial proceedings (Writ of Mandamus). 12
SB2 Enhanced Legal Defense Plan cont. c. All customary, necessary, and reasonable services related to the administrative action described in subsection (a) hereof, after a participating member is notified that such actions will be commenced. d. In addition to actions/events which are outside the course and scope of duties, excluded from coverage under this Plan is legal representation to contest facts, charges, allegations, or grounds for revocation or suspension for actions/events which automatically disqualify an individual from holding the position of a peace officer (e.g. conviction of certain crimes, permanent court orders prohibiting an individual from possessing a firearm, being found not guilty by reason of insanity, etc.) where those facts, charges, allegations or grounds have been finally determined or adjudicated in a separate legal proceeding, including where the participating member pled guilty or nolo contendere. *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 SB2 Enhanced Legal Defense Plan, contact the LAPPL Insurance Department at: 800.736.7070 or email at [email protected] 13
As members of LAPPL, you also have access to additional union benefits, such as the Member Assistance Program (MAP), Substance Abuse Benefit (SAB), Pet Insurance, and other resources. The following pages contain information about these additional benefits. union benefits 14
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 or telehealth 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: You can access your MAP or Substance Abuse 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 • Family or marital problems • Parenting challenges • Child and elder care support • Workplace stress • Substance abuse benefits • Grief and loss 15
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 16
how sab works Identify a problem. Care Manager does Assessment Assessment for Care Completed LAPD Advocate or other Representative call and speak with Client Services (888)285-2858. 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. Troubleshooting complications or issues, please reach out to the League Benefit Director. Meets criteria for Inpatient care Referred to In-Network Facility Sends HIPAA Release to Facility Meets criteria for Partial Hospital or Outpatient, Referred to In-Network Program Sends HIPAA Release to Facility Client Services speaks with member, completes Intake, arranges for HIPAA release to be signed by member then transfers member to Care Manager for Assessment. A: Verbal good for same phone call. B: Signed Release good for up to a year. C: Form can be downloaded from the League website or lapplbenefits.com. D: Electronic version can be emailed to email of your choice. 17
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. 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 MetLife Accident and Illness MetLife Accident, Illness and Wellness Max Annual Benefit $1,000 - Unlimited Deductible $0 - $2,500 Reimbursement 65% - 100% Accidents and Inuries Covered Wellness Not Covered Covered Exclusions Pre-existing conditions; Elective procedures; Dental care; Prescription food; Behavior training; Boarding; Remains disposal Additional Services Cremation Benefits Please note this is a summary only. Please refer to the actual policies and proposals for complete details. 18
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 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: http://mybenefitsbrochure.com/LAPPL/LAPPLAndersenTimeForm.pdf Additional Union Benefits and Resources 19
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. • Review and update your personal information • Review your current benefit elections • Make benefit changes for the 2024 – 2025 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 firsttime user, click on ‘Register’ to set up your user name, password and security questions 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 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 www.lapplbenefits.com 20
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. 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. 21
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 22
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 Download the MyChoice mobile app for easier access to your benefits information! Print Be sure to print your election information and confirmation number for future reference 23
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. 24
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. PLANNING FOR RETIREMENT Here are points to consider if you are thinking about retiring in the future: 25
Off Payroll Updates contact us los angeles police protective league 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. 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 Los Angeles, CA 90017 1308 W 8th Street, 2nd Floor Los Angeles, CA 90017 Phone: 800.736.7070 Email: [email protected] Web: www.lapplbenefits.com Website Phone LAPPL Insurance Department www.lapplbenefits.com (800) 736-7070 email at [email protected] Delta Dental www.deltadentalins.com DHMO: (800) 422-4234* PPO: (888) 335-8227 MetLife Life/AD&D www.metlife.com 1-800-638-6420 MetLife LTD www.metlife.com 1-800-638-6420 LAPPL Legal Defense Plan www.lapplbenefits.com (213) 368-0600 Member Assistance Program/ Substance Abuse Benefit www.HolmanGroup.com and enter username: LAPPL and password: PPL2020 (888) 285-2858 Pet Insurance metlife.com/LAPPL (800) GET-MET8 *Please note, the DeltaCare USA DHMO Plan will be closed effective July 1, 2024