Protect Your Income 
"P.Y.I." stands for Protect Your Income, the essential benefit for Professional Firefighters. The name says it all. If you go down with an illness or injury that prevents you from working and earning an income, the PYI Plan can save you and your family from some very difficult choices.
ONLY full-time, professional firefighters who are Members in good standing of both the IAFF and the California Professional Firefighters are eligible to participate in PYI. Seasonal firefighters are not eligible.
The cost is just $27.00 per month (plus any administration fee your Local may impose) .
Benefits Include:
* Up to 66 2/3% of income paid during period of disability.
* No sick leave "Burn" required if covered under California mandated safety benefits or; after 45 day wait after placement on no-pay status.
* Additional benefits paid for HIV infection, accidental Death, felonious assault, and more.
How are benefits paid under the PYI Plan?
If the injury is non-occupational: Two (2) years if you are unable to perform your duties as a firefighter. In the event of a severe injury – one that prevents you from doing any work or service for which you are qualified, the benefits continues up to age 65.
If the injury is work related: Two (2) years if you are unable to perform your duties as a firefighter, or five (5) years if you are unable, because of illness or injury, to do any work or service for which you are reasonable qualified. And if, after five years of total disability, you are still unable to perform any and every duty of an occupation for which you are qualified by education, training, or experience, a $60,000 lump sum distribution will be paid to YOU.
Summary of Benefits
• Up to $10,000 of Monthly Income Replacement.
• 66.7% pay protection (see pre-existing limitations).
• $60,000 Lump-sum Payment for Occupational Disability after 5 years of Total & Permanent Disability.
• No Waiting Period if covered under California mandated safety benefits or; After 45 day wait period after being placed on a no-pay status for all others.
• $50,000 Payment for contracting HIV infection (work related only-see plan documents for details)
• $50,000Accidental Death Benefits*
• $5,000 Additional Benefit if you lose you life due to an auto accident while wearing an appropriately fastened seat belt.
• $12,500 Additional Benefit for Felonious Assault
• Quadriplegia Benefit - $50,000
• Paraplegic Benefit - $25,000
• Hemiplegics Benefit - $25,000
• Survivor Benefit – Provides continuation of benefits to survivors for up to two years
Click HERE to view frequently asked questions about the PYI Plan.
Click HERE for a printable PYI application.
Click HERE for an online PYI application.