Accident and Sickness
NFPA reported 83,400 firefighter injuries occured in the line of duty in 2006*. Despite this statistic, some emergency service members believe that "It can't happen to me." Others believe that Workers' Compensation will take care of their families' financial needs in the event of a service-related injury, illness, or death.
Sadly, many learn that even in the few states with generous Workers' Compensation benefits, gaps exist. Waiting periods, maximum disability limits, pre-existing conditions, and limits for heart conditions are just a few situations that can create economic impact to limited benefits or claims denial. In addition, many states may exclude benefits for fundraising events, junior members and auxiliary members.
Don't rely solely on Workers' Compensation. Protect your members with VFIS Accident and Sickness coverage.
Coverage Highlights:
- Loss of Life
- Weekly Disability Benefits
- Lump Sum Permanent Physical Impairment
- Lifetime Weekly Income for Permanent Physical Impairments
- Medical Benefits
- Occupational Retraining Benefit
- Other Optional Coverages available
- Covers All Classes of Membership equally
- Covered for All Normal Duties including travel to and from those activities
Accident and Sickness coverage is underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, has its principal place of business at 70 Pine Street, New York, New York, 10270. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. This is only a brief description of coverage available. The policies will contain reductions, exclusions, limitations and termination provisions. Coverage may not be available in all states.
* - National Fire Protection Association Journal, Nov/Dec 2007, page 84