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Volunteering for a local fire service is generous and selfless thing to do but families have put a lot on the line when their family member responds to a call. To help ease these burdens departments are purchasing Accident and Sickness Policies.



• Covers all classes of membership

• Accident and Illness coverage for normal duties

• HIV Lump sum living Benefit

• Weekly Disability Benefits

• Lifetime Weekly Benefit for severe Permanent Physical Impairments


Enhanced Benefits

• Loss of Life Benefits

• Spousal Benefit for windows/widowers

• Dependent Child Benefit

• Safety Vest Benefit

• Military Loss of Life Benefit

• Memorial Benefit paid to Department

• Occupational retraining Benefit

• Medical Expense

• Felonious Assault Benefit

• Family Expense Benefit


Optional Benefits

• Coordinated 28-day benefit

• Special Events Rider

• Team Sports Rider

• 24 Hour Accidental Death and Dismemberment

• OFF-Duty Accidental Death and Dismemberment

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