Firearms Coverage FAQs

PORAC LDF Plan V

I just separated from service, and was denied a CCW, can I still join RAM/LDF to appeal the denial?
Yes, if you were a PORAC LDF Benefit Plan I, II or III member immediately prior to retirement.
Presently, I work as a private security guard/private investigator; will this coverage apply to me?
RAM/LDF coverage does not apply to any actions you take while employed in any capacity. The Plan covers you for the use of a firearm while not working and in self-defense or the defense of others.
I am fully retired but have returned to work part time as a peace officer. Will this coverage apply to me?
No. If you are working as a part-time/reserve peace officer, you must be enrolled in LDF Benefit Plan IV to cover you for actions within the scope of your employment. While off-duty, RAM/LDF coverage would provide a legal defense for the use of a firearm in self-defense or the defense of others.
How much does it cost?
In addition to the cost of PORAC RAM membership, RAM/LDF coverage costs $48 per member, per year.
What are the criteria needed to join?
You must be a retired peace officer, and a member of PORAC RAM.
Will this protect me outside the State of California?
Yes, if you meet all of the requirements under the Plan and are not subject to any of the exclusions, then RAM/LDF will provide you with legal representation for any civil or criminal matter arising out of your use of a firearm in self-defense or the defense of others, within the United States.
Do I have to join PORAC RAM in order to obtain access to this LDF plan?
Yes.
Are there limits or caps to the benefits available?
No. As with any Benefit Plan provided by LDF, there are no predetermined monetary limitations or caps on the attorneys’ fees or costs reasonably needed to represent you.
Can I choose the attorney who will represent me?
No. LDF will select the appropriate qualified attorney to represent you.
Must I be retired in order to participate in this plan?
Yes.
In the event of an emergency, can I access an attorney 24 hours a day?
If the event occurred within the geographic scope of coverage, as described in the LDF Plan Document (i.e. most of the United States), an attorney will be available to you on an emergency basis, 24 hours a day, 7 days a week, 365 days a year. If outside the area where LDF presently has panel attorneys, a qualified attorney will be found and engaged to represent you within a reasonable period of time.
If I have to use my weapon to defend myself, and I am later criminally charged for doing so, will RAM/LDF pay for my attorney?
Yes. If you meet all of the requirements under the Plan, and are not subject to any of the exclusions, then RAM/LDF will pay for your attorneys’ fees and costs needed to represent you.
What does the civil coverage include?
f you use a firearm in self-defense or the defense of others, and you later get sued for that use, RAM/LDF will fully defend you in that lawsuit. LDF will not “indemnify” (i.e. pay the judgment or settlement amount), but only defend (i.e., pay the attorneys’ fees and costs incurred the defend you).
Are there any deductibles?
No. You pay nothing out of pocket, other than your RAM and LDF dues.