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Enjoy value added benefits 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

 


NPFBA Long Term Care Ad

Cost of Living Benefit (COLA)  

Applies to:

Long Term Disability  

Explanation:
With a Cost of Living Benefit your benefits increase each year that you are disabled. A Cost of Living Benefit protects you from a decrease in benefits because of inflation.

Upcoming Events/ 

 Classifieds

If you have something you'd like to advertise, please send an email with the information to Rebecca@caladmin.com.  

Publication is at CLEA's discretion.  


 
July 2012   
Are Your Contact Information and Beneficiary Up-To-Date? 
If any of the following have occurred this year, please use the attached forms to update you information. Or if you're not sure whether CLEA has your preferred contact information or beneficiary, please use the forms linked below.
  • Change in mailing address, email address or phone number 
  • Marriage
  • Divorce
  • Creation of Living Trust
  • Child turned 18. Children 18 and over may be designated as beneficiaries.
  • Death of Designated Beneficiary

Contact Information Update Form

 

Change of Beneficiary Form

 

Changes or updates will not take effect until card has been received and accepted by Plan Administrator.

 

All forms can be returned to CLEA via fax or US Mail.

 

Fax: (209) 223-2966

 

CLEA

PO Box 31

Martell, CA 95654 

Congratulations to the 2012 CLEA Children's Scholarship Recipients

Graduation Cap Sponsored by CLEA's Plan Administrators, California Administration Insurance
Services, Inc.

We are pleased to announce that the following students have been awarded CLEA Children's Scholarships for 2012.


Annelise Andrade -- California Correctional Supervisors Organization
Annelise is continuing at California State University, Northridge as a Sociology-Criminal Justice/Criminology major.

Lauren Barrett -- San Diego County DSA
Lauren is attending San Diego State University as a Business major.

Brenda Bilton -- Riverside SA
Brenda is attending Palomar College as an Adaptive Physical Education/Occupational Therapy major.

Ashleigh Reed -- Contra Costa Co. DSA
Ashleigh will be pursuing a Communications/Education major.

We would like to thank the nearly 100 students who submitted scholarship applications and wish them well in their education endeavors.

Please visit www.CLEA.org this Fall for applications for 2013.

Why are Long Term Care Coverage Providers Making Major Changes? 

You may have read that the long term care coverage industry is in flux lately. Some large companies such as MetLife and Prudential have stopped issuing new policies. Others like Mass Mutual and even NPFBA have adjusted their plans. The flux may lead you to question the stability of your current policy or delay purchasing a policy. However, long term care coverage remains a good way to protect your assets as you age.

 

The long term care industry has been changing as it matures. Most companies only began offering long term care coverage in the late eighties and nineties. At that time, the industry based rates and benefits on the available national statistics for life expectancy, potential care needs, and future interest rates. However, the United States has experienced dramatic changes in all of these numbers. Americans are living longer than 25 years ago, which means we spend more time in nursing homes, assisted living facilities and using home health care services. This means that long term care coverage providers need more assets than anticipated to cover benefit costs. At the same time, interest rates have gone down and are projected to remain low for a few more years. Lower interest rates decrease the amount of potential assets available to pay for long term care benefits. The combination of factors has led to adjustments and consolidation within the long term care coverage industry. Click here to learn more

Drinking Red Wine Is Good for Gut Bacteria

Wine glassModerate Intake of Some Red Wines May Improve Health, Study Shows

 

May 25, 2012 -- Drinking a daily glass of red wine not only tastes good to many people, but it's also good for the bacteria lining your large intestine.

 

A new Spanish study suggests that sipping about 9 ounces of Merlot or a low-alcohol red wine changed the mix of good and bad bacteria typically found in the colon in ways that can benefit your health.

 

Bacteria may sound like a bad thing to have in your intestinal tract, but having a balanced mix of them actually helps to digest food, regulate immune function, and produce vitamin K (which plays a key role in helping the blood clot).

Click Here to Read More at WebMD

  

By Cari Nierenberg, WebMD Health News. Reviewed by Louise Chang, MD

2012 WebMD, LLC. All rights reserved.
Upcoming Events

National Nite Out       

Date: August 7, 2012 

More Information: www.nationaltownwatch.org

Constable Classic Charity Golf Tournament
Date:
August 13, 2012

Time: 9 AM - Check In, 11 AM - Shotgun Start
Location: SeaCliff Country Club, Huntington Beach
Cost: $300 per golfer
More Information: www.hbpoa.org

Play golf with the Huntington Beach Police Officers' Foundation while supporting the Kiwanis Huntington Beach.

Badges of Courage,
4th Annual Golf Tournament and Banquet

Date: August 20, 2012
Time: 11 AM
Location: The San Gabriel Country Club, 350 East Hermosa Dr.,
San Gabriel
Cost: $160 per golfer
More Information: www.sangabrielpoa.com 

Join the San Gabriel Police Officers' Association for a fun day of golf while raising money for local community organizations.

CLEA Board of Directors Meeting
Date: September 7, 2012
Location: Sacramento

 

If you have an event you'd like us to include, please send an email to Rebecca@caladmin.com.