CLEA Bulletpoint

May is Disability Insurance Awareness Month!


A 32 year old is 6.5 times more likely to be disabled for 90 days than die.


75% of disabilities are illness related.


1 in 5 people will miss at least 1 year of work before age 65.


49 Americans become disabled every minute.  

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Enjoy low rates compliments of your LTD and LTC Plans.

All CLEA Participants, their families and friends are eligible for significantly discounted rates from
California Administration Insurance Services,
Liberty Mutual, CALSTAR,
Enterprise Car Rental and
Cardiovascular Diagnostic Center.


Click here to learn more


Home Care  

Home Care allows individuals to receive the long term care they need when they become disabled in their own homes. As well as in-home nursing services, home care provides for assistance with chores and personal care. Other services covered by home care include adult day care and training for family members to assist the disabled individual. The NPFBA Long Term Care Plan covers 50% of the daily Nursing Home benefit for Home Care. For more information visit   


Starting in our next issue we will include free classifieds submitted by Plan Participants. If you have something you'd like to advertise, please send an email with the information to

May 2011
Update from the CLEA Board of Directors Meeting

On March 25th, CLEA held its 51st semi-annual Board of Directors meeting in Irvine with 24 Directors in attendance. Some highlights of the meeting include:

May 1, 2011 marked the Plan's 26th anniversary. Currently, over 21,000 law enforcement professionals and 170 associations participate in the LTD Plan. The CLEA LTD Plan protects 46% of law enforcement officers statewide in its 6 Plans.


The Plan has paid more than $69 million on 4,150 disability claims to date. Back injuries continue to be the #1 claim representing 23.3% of disability claims.


The Plan has nearly $7 million in assets.  

Click here to read more 

Revised SPDs Available
Revised Summary Plan Descriptions (SPDs) are now available. Your SPD provides coverage and procedural information for your Long Term Disability (LTD) Plan. Please keep a copy for your records. Copies are currently being distributed to your Plan Director for distribution. If you'd like an advanced copy, please click the link below.

Download SPD

The Advantages of Youth -- Stop Procrastinating!

Are you considering NPFBA Long Term Care coverage? Stop procrastinating! Every year you wait equals an increase in cost for coverage.


Take for example, John Smith who knows that he needs long term care coverage when he's older but is only 35 now. John thinks that he can wait to purchase a policy, after all retirement is still about 20 years away. However, if John purchases his long term care coverage today his monthly payment on a NPFBA 20-Year, 150 Comprehensive Plan is only $60. If John waits until he's 56, the monthly payment goes up to $161. Purchasing a long term care policy now will save John $100 a month that's $1,200 a year. Click here to read more 

How to Stay Awake Naturally

coffeeWith more and more of us getting less and less sleep, it's tempting to reach for a Red Bull or an espresso when we feel sleepy at work. But consuming caffeine to combat sleepiness can lead to a vicious cycle.

The java jolt that helps you stay awake can take up to eight hours to wear off. Caffeine can also reduce your sleep time, alter the normal stages of sleep, and decrease the quality of your sleep.


How can you stay awake naturally? Try some of these 12 jitter-free tips to take the edge off sleepiness. Read more at WebMD  


By Camille Peri, WebMD Feature, Reviewed by Brunilda Nazario, MD

2010 WebMD, LLC. All rights reserved.

Upcoming Events

Western States Police & Fire Games  

Date: June 4-11, 2011
Location: Ontario Convention Center, Ontario
More Information: 


Join law enforcement personnel and firefighters from the Western United States in 64 fun filled sporting events. This year's event will commemorate the ten year anniversary of 9/11. Sponsored in part by Ontario Police Officers Association.

1st Annual Dave Chetcuti Memorial Golf Tournament    

Date: July 11, 2011
Location: Green Hills Country Club, 500 Ludeman Lane, Millbrae 

Cost: $175 per golfer or $700 per foursome 

More Information: or (650) 259-2473 


Help Millbrae Police Officers Association support the Northern California Chapter of Concerns of Police Survivors while enjoying a day of golf. Download flyer

Oakland Police Emergency Net Golf Tournament    

Date: July 18, 2011
Location: Sequoyah County Club, Oakland 

Cost: $150 per golfer   

More Information: Download flyer 


Enjoy a great day of golf with the Oakland Police Officers Association. Event includes BBQ lunch, putting and long drive contests and raffle.


If you have an event you'd like us to include, please send an email to