Benefits

Our program is designed to provide peace of mind and financial security for members that serve your organization. There’s no shortage of concerns for fire and emergency medical services personnel who become injured or ill while performing duties for your organization. That’s why we offer a wide range of benefits.

Lump Sum Benefits:

• Accidental Death & Dismemberment
• Loss of Life – Illness
• Permanent Physical Impairment for Injury and Illness
• Cosmetic Burn Disfigurement
• Permanent Cardiac Impairment

Additional Benefits:

• Weekly Disability Income for Injury and Illness
• Medical Expense
• Plastic Surgery Expense
• Family Expense
• Family Education
• Physical Assault
• Permanent Physical Impairment Education

Retention and recruitment are vital to your organization’s success. Without personnel, the fire service could not exist. Providing added financial security to the families of your members through Group Term Life Insurance gives your personnel peace of mind. Members who are out answering the call, no matter what time of day, will rest assured that their families will have some financial protection while they are in harm’s way. Our Group Term Life Insurance product offers an affordable option for providing added security for all of your members.

• 24-hour On and Off Duty Coverage
• No Medical Exam Necessary
• No War Exclusion on Basic Life
• Accelerated Death Benefit
• Accidental Death & Dismemberment (Additional Benefit)
• Line of Duty Benefit Incl. Heart Attack and Stroke (Additional Benefit)
• Conversion Privilege
• Frontier Medex Travel Assistance
• Member Assistance Program

Group Life Request for Proposal (RFP)

Our policy provides a lump sum benefit for an Accidental Death or Dismemberment for members whose department doesn’t have the funds to provide more extensive benefits. It can provide 24-hour benefits or provide benefits for members while on duty only. This is also an economical tool for recruitment and retention.

Length of Service Award programs (LOSAP) offer incentives that mimic a simple pension plan. Based on number of years a volunteer is active and meeting certain requirements, a cash service award becomes payable at a designated age. Service Award programs are one of the many benefits we offer to help improve recruitment and retention of emergency service volunteers.

• Defined Benefit
• Defined Contribution
• Choice of Retirement Age
• Multiple Payout Options
• Online Access to Plan (View Only)

• Critical Illness
• Long-Term Disability
• Short-Term Disability