A: The Plan is available only to CPF Members in good standing who are employed full-time. Seasonal firefighters, volunteers, or firefighters who are not represented by a Local CPF union are not eligible for income protection under PYI.
A: Yes. The PYI Plan is designed to protect 66 2/3% of your income, which means if your workers' comp benefit is less than that, PYI will pay the difference. And should a dispute arise as to whether or not your illness or injury is work related, the PYI plan provides income protection that improves your ability to negotiate a reasonable solution.
A: Generally no. The PYI plan uses "base pay" as the starting point for calculating benefits, and takes a 12-month income average immediately preceding the date you were placed on a "No Pay" status. Base Pay usually consists of income that counts toward your retirement benefits.
A: No. The PYI benefit begins when you are placed on a "No Pay" status with your employer, and you are no longer earning an income. In other words, when you need it most.
A: Yes. The PYI plan is intended to protect our Members against unexpected illness or injury. If your disability is caused by a medical condition that existed before you were accepted for coverage, the benefit may be reduced for as long as two years.
A: Open enrollment is the only time that CPF Members can apply for coverage under the PYI plan. If over 50% of your Local Bargaining Unit enrolls in the Plan during the initial open enrollment, the pre-existing condition limitation will be waived. Therefore, a Member who fails to apply during the Open Enrollment must wait as long as one year to apply. And even then, the coverage will exclude pre-existing conditions for that Member for up to two years.
A: Via convenient payroll deduction, or automatic bank funds transfer.
A: Click here to receive a PYI application. Complete it thoroughly, and mail it to the Plan Administrator, Harry J. Wilson, P.O. Box 27020, Fresno, CA 93729.
A: Diane Wionowsky, 800-549-4242, or dianew@esisusa.com