Alabama First Responders Benefits Program

Firefighter Cancer & Disability Coverages

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Firefighters Take on Risk,
We Have Their Back

It’s a well-known fact that certain types of cancer are a health risk for firefighters, and with a cancer diagnosis comes major costs.

Thanks to the new law, ACT 2019-361, Firefighters throughout the State of Alabama are now entitled to an enhanced cancer and disability coverage program provided by their municipality, county, public entity, or fire district, for both Career Paid and Volunteer Firefighters. This program provides multiple options for both Career and Volunteer Firefighters. The Alabama First Responders Benefits Program provides a way to help protect our Firefighters and their families with this program.

Specifically Designed by Firefighters, for Firefighters

Recovery should be the focus when a cancer diagnosis occurs. The Cancer Benefit Program with ALFRBP helps make that possible. This program offers different options for coverage, each designed to help provide financial support for eligible Firefighters diagnosed with cancer.

Who’s Eligible?

All State of Alabama firefighters who’ve:

  • Served at least 12 months of consecutive service.
  • Serve as an active Firefighter in a role as a Career Firefighter or Volunteer Firefighter.

What Types of Cancer Are Covered Under the Basic Plan?

Cancers including bladder, blood, brain, breast, cervical, esophageal, intestinal, kidney, lymphatic, lung, prostate, rectum, respiratory tract, skin, testicular, and thyroid cancer, leukemia, multiple myeloma, Hodgkin’s lymphoma, and non-Hodgkin’s lymphoma.

Coverage Amounts for Cancer (Lump-Sum Cancer)

  • $6,250 per diagnosis for non-evasive forms of cancer as defined in the policy.
  • $25,000 per diagnosis for one of the named forms of cancer as defined in the policy.
  • $250 once per lifetime for non-melanoma skin cancer.

Coverage Amounts for Long-Term Disability

  • $1,500 per month for Qualified Volunteer Firefighter
  • $3,000 per month for Career Firefighter
  • 36-month maximum

*The above coverage points are a summary only. See full proposal or sample policy for all coverage details.

Educational Resources

Alabama First Responders Benefits Program offers materials to help you communicate with your firefighters including:

Additional Benefits

  • Flyers, press releases, brochures, and firefighter booklets for summary of coverages.
  • Dedicated support staff to answer coverage questions for you and your family members.
  • Dedicated email address and phone number for quoting, cost, and coverage questions.
  • Simple quoting submission process and submission form.

Claims Process

  • Detailed instructions on how to file a claim.
  • Dedicated support staff to help you file a claim.
  • Dedicated phone number and email for claims support.
  • Claims forms provided under "Resources" section.

Cancer Awareness and Prevention

  • Materials on cancer risks and prevention COMING SOON.

This limited health benefit plan (1) does not constitute major medical coverage and (2) does not satisfy the individual mandate of the Affordable Care Act (ACA) because the coverage does not meet the requirements of minimum essential coverage.

Long Term Disability coverage provided under this program may coordinate with other disability insurance coverages.

This policy provides limited benefits health insurance only. It does NOT provide basic hospital, basic medical, or major medical insurance.