1. -Northwest Fire Fighters Trust- -PFFI Life & Disability Program-
PFFI Conference 2016
Karni Adamson | Becky Wallen
1501 Fourth Avenue | Suite 2400 | Seattle, WA 98101
Tel: (206) or (800) | Fax: (206)
Proprietary & Confidential

2. Sponsored by WSCFF; available to any IAFF participating Local
Governance through board of 9 Fire Fighter Trustees
Choice of 10 self-funded medical plans - administered by Regence BlueShield
Choice of 7 fully insured dental plans; 2 orthodontia riders - underwritten by Delta Dental of Washington
Retiree Medical & Dental Plans available
Medicare Options for 65+
“Built by Fire Fighters, Governed by Fire Fighters, For Fire Fighters”
Page 1

3. NWFFT Renewal History Trust went live 1/1/2013
2014 Renewal action: 8.3% Actives; 12.4% Retirees
2015 Renewal action: 6.96% Actives; 8.2% Retirees
2016 Renewal action (moved to self insured contract): 3.9% Actives; 3.9% Retirees

4. NWFFT Medical Plans
-Deductible and Out of Pocket Maximum are 2x for family
-Non-Medicare Retirees: Same plans with a approx. 5% premium load
Page 2

5. NWFFT Dental Plans
Page 3

6. NWFFT Team of Advisors Legal Counsel Financial Auditor
DiMartino Associates
Strategic Consulting
Federal & State Compliance
Operational / Member Communication
Benefit Solutions, Inc.
Member Service / Trust Office
Eligibility & Enrollment Management
Consolidated Billing
COBRA Administration
Legal Counsel
Financial Auditor
Page 4

7. NWFFT VEBA/HRA PRODUCT
NWFFT has partnered with BPAS to bring you the only VEBA product currently on the market with debit card technology!
Each employee gets 2 ‘Benny Cards’ at no charge
What makes a VEBA different than an HRA?
Investment Earnings via target or self-directed funds
$6.50 pepm + 35bp per year (vs. competing VEBA at $1.50 pepm and 125 bps)
Nightly trades with the NSCC (allows 48 hour claims turnaround)
Mobile applications for iPhone and Droid
Plan consulting services included
Available on a stand alone basis
Best of all – no set up fees when you sign up through NWFFT!
Page 5

8. NWFFT Current Participants
Effective 2014 Cont.
Ketchikan Fire Department
Camas Fire Fighters
Hoquiam Fire Fighters
Effective 1/1/2015
Aberdeen Fire Fighters
Shoreline Fire Department
Kittitas County Medic One
Effective 1/1/2016
Anchorage Fire Department
Snoqualmie Fire Department
Effective 2013
WSCFF Staff
Woodinville Fire & Rescue
Grays Harbor Fire Fighters
King County #45 – Duvall
Fairbanks Fire Fighters
Spokane County FD #9
North County RFA
Bothell Fire Fighters
Pullman Fire Fighters
Effective 2014
Local726 H&W Trust
Central Pierce F&R – Admin Staff
Valley Regional Fire Authority
Stevens County FD #1
Tumwater Fire Fighters
Skamania County EMS
Lake Stevens Fire
Total Groups: 23
Total Employees: 1,248
Total Members: 3,682
Retirees
Non-Medicare: 102
Medicare: 156
Page 6

9. PFFI Life & Disability Program
Launched in 2012 with The Standard following a state-wide vote to opt out of Social Security, including Social Security Disability Benefits
Effective 1/1/2014, new PFFI groups will be enrolled as a “PFFI” block of the WSCFF Life & Disability Program, which moved to Cigna
Cigna has taken over same benefit levels and contractual provisions as Standard
PFFI groups currently enrolled with Standard will remain with Standard until it makes sense to transition to Cigna (until Standard is no longer price-competitive)
Page 7

10. PFFI Life & Disability Program
Purpose of Disability Insurance
Provides a benefit if you are unable to earn income as a fire fighter (or any other occupation after 24 months) due to injury or illness
Group vs. Individual Coverage
All members in the bargaining unit should be enrolled
Not a voluntary, individually defined plan
Page 8

11. PFFI Life & Disability Program
Page 9

12. PFFI Life & Disability Program
Plan 1
Fire Fighter
Monthly Salary
Life / Dep. Life
AD&D
STD
LTD
Total
$3,000
$3.68
$1.05
$13.29
$20.41
$38.43
$4,000
$17.72
$26.88
$49.33
$5,000
$22.15
$33.35
$60.23
$6,000
$26.58
$39.82
$71.13
Plan 2
Fire Fighter
Monthly Salary
Life / Dep. Life
AD&D
LTD
Total
$3,000
$3.68
$1.05
$21.73
$26.46
$4,000
$28.64
$33.37
$5,000
$35.55
$40.28
$6,000
$42.46
$47.19
Plan 3
Page 10

13. Life Insurance Provisions
Waiver of Premium
Your Life insurance will be continued without premium payment while you are disabled.
Must be under at 60 at time of disability
Continued until age 65
Portability
If you leave employment at the Local, you may continue your Life insurance at group rates until age 70
Conversion
You have the option to covert Life insurance to an individual whole life policy until you are 99
Page 11

14. Disability Insurance Provisions
Definition of Disability
Own Occupation – First 24 months of disability
Any Occupation – Remainder of the benefit period
Deductible Income
Income from other sources that reduces your disability benefit
Taxation of Disability Benefits
On-Duty vs. Off-Duty Benefits
PERS Integration
Sick Leave Integration vs. Sick Leave Buy Back
Page 12

15. Voluntary Life Insurance - Optional
Individually elect additional life insurance on yourself, your spouse and your IRS-eligible dependents
Fire Fighter: up to $500,000 ($100,000 Guaranteed)
Spouse: up to $250,000 ($20,000 Guaranteed)
Child: $5,000 (full amount guaranteed)
5-Year Age-Banded Rates
Same Basic Life provisions apply
20% Participation Requirement
Page 13

16. Your Contacts…
Karni Adamson Becky Wallen Greg DiMartino (President)
1501 Fourth Avenue | Suite 2400 | Seattle, WA 98101
Tel: (206) | Fax: (206)
Proprietary & Confidential