Insurance Benefits:

• A lump-sum benefit paid out at diagnosis of a covered Cancer (as defined in the Law), depending on the severity & form of the cancer diagnosis. Each lump sum benefit would be subject to a lifetime maximum of $50,000 for multiple diagnoses, as follows:
  • $25,000 - Cancers identified in the Law as more severe
  • $6,250 - Cancers identified in the Law as less severe
• Total Disability Benefit
  • Should a covered volunteer firefighter become disabled, they may be eligible for a monthly disability benefit of up to $1,500 payable monthly for up to 36 months after a 6 month waiting period and coordination with other benefits.
• Cancer Death Benefit
  • A covered firefighter may be eligible for an enhanced cancer death benefit in the amount of an additional $50,000.
• Additional Coverage
  • For an additional $45 per member, your clients can expand their policy to cover ALL types of cancer diagnoses.

Who needs this coverage?

Generally, a volunteer firefighter must satisfy the following criteria to be eligible:

• Served at least 5 years as an interior firefighter as evidenced by a record verifying passage of at least five yearly certified mask fitting tests as required for an interior firefighter rating.
• Passage of a physical examination upon entering the fire service which did not reveal any evidence of cancer covered by this Law.
• The diagnosis conforms to the definitions of cancer as set forth in the Law.

A covered volunteer firefighter will remain eligible for benefits under this Law for up to 60 months after the formal cessation of the volunteer firefighters active status for:

• Lump-sum benefit
• Enhanced cancer death benefit