BSC Inc.

Welcome to My Benefit Choices

Home      Resources      FAQ      Terms of Use      Contact Us

Frequently Asked Questions

Who is eligible for PORF?

All Full-time, Active sworn peace officers belonging to Bargaining Units 611 and 612: Deputies, Sergeants, Lieutenants, and District Attorney Investigators (DAIs).

How do I obtain the PORF benefit information booklet?

Simply click on the following link: PORF Benefit Information Booklet
For a paper copy:
ALADS members can call 800-842-6635.
PPOA members can call 323-261-3010.

What is the Long Term Disability (LTD) Benefit?
  • Maximum monthly benefit = up to 60% of gross monthly salary (at time of disability) to a maximum of $7,000.

  • Minimum monthly benefit = $100.

  • Covers injury/illness on or off-duty.

  • Waiting Period = 90 consecutive days of Total Disability.

Will the PORF benefit I receive be offset by other benefits?

 Yes. Eligible and ineligible offsets are listed below:

  • Offsets:
    • Workers Comp (a.k.a. 4850 time or IOD)
    • Sick Pay
    • Retirement income
  • Non-Offsets:
    • Vacation time
    • Overtime
    • Holidays
When does the PORF LTD benefit terminate?

When claimant returns to work (no longer disabled) or age 65.

How do I file a claim?

A claim packet will be sent to you via email or US Postal Service mail, your choice. For a claim packet:
ALADS members may call 800-842-6635.
PPOA members may call 323-261-3010.

Is the LTD benefit taxable income?

Yes.

Will the LTD benefit affect my retirement or workers compensation settlement with the County?

No.

Will the LTD benefit be deducted from my paycheck?

No. The PORF disability benefit is not a part of your regular salary/income.

How will you know how much I earn each month while I’m off?

The PORF Administrator will request your current payroll information from the respective department and provide that information to the insurance carrier.

If I am on 50% Sick time, will I get the other 50% from PORF?

No. The PORF disability benefit is not a part of your regular salary/income. The Plan pays up to a maximum of 60% of your gross monthly salary, “income before taxes” less 4850/work comp time, Sick time, or retirement money earned for the month, for each month you are approved to receive the PORF benefit.

Can I file a claim for an injury that occurred 5 years ago?

You may request claim forms, but, (1) it would be up to the insurance company to decide if they will honor the claim after such a long time, and (2) because we obtain monthly pay status info from payroll office, it may delay processing of claim beyond the average 5 week timeframe.

What is the amount of life Insurance?

$100,000

Is there an Accelerated Benefit option?

The Living Benefit will be an amount equal to 50% of the Death Benefit applicable to the Insured under the Policy on the date of the Certification of Terminal Illness, subject to a maximum benefit of $50,000.

Waiting Period?

No.

Can I continue the life insurance benefit during an absence?

Yes.  The policyholder may continue the insurance during the following absences:

  • Injury/Sickness: 24 months following date active work ceased.
  • Temp Layoff/Approved Leave of Absence: 12 months following date active work ceased.
  • Labor Dispute: For the absence up to the earliest of the following - (a) the expiration of 6 months from the date you ceased active employment because of a labor dispute with your employer (b) the date you accept active employment with another employer (c) the date coinciding with the end of the last period for which required premiums are not paid (d) the date the Labor Dispute has ended.
How do I change my beneficiary designation?

Simply call one of the numbers below and a beneficiary designation form will be mailed to you.
ALADS members may call 800-842-6635.
PPOA members may call 323-261-3010.

Does this LTD/GTL insurance coverage include an Emergency Travel benefit?

Yes, it does. Simply click on the following link to review the information flyer https://www.mybenefitchoices.com/docs/PORF/Travel_Assistance_Flyer.pdf



Home      Resources      FAQ      Terms of Use      Contact Us
Benefit Service Center
9500 Topanga Canyon Blvd
Chatsworth, CA 91311
Phone: (800) 842-6635
Fax: (818) 477-1474
Benefit Service Center ©