Benefits Summary

Firefighters are local heroes to the communities they serve. The Alabama First Responders Benefits Program was created for cities and counties within the State of Alabama, and will help take care of our 20,000 Firefighters and their families. Coverage provided by the selected carrier will meet the legislative mandates as follows:

Lump Sum Benefit

Firefighter Eligibility Based on Legislation:

  • Paid Firefighters – 12 months of consecutive service
  • Certified Volunteers – 12 months of consecutive service
  • Non-Certified Volunteers – 12 months of consecutive service

Covered Cancers Based on Legislation:

"Includes 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.”

LUMP SUM CANCER PLANBENEFIT
Cancer Benefit Amount

$25,000

Invasive Cancer

100% of Coverage Amount

Coverage Maximum (% of Coverage Amount)

25% of Coverage Amount

Coverage Maximum (% of Coverage Amount)

Firefighter: 200% (2 x $25,000)

Recurrence Benefit (% of Coverage Amount)

100%; 90 Days Separation Period

Benefit Portability

Yes

Long Term Disability (LTD)

Firefighter Eligibility Based on Legislation:

Paid Firefighters – 12 months of consecutive service

Certified Volunteers – 12 months of consecutive service

Non-certified Volunteers – 12 months of consecutive service

Covered Cancers Based on Legislation:

"Includes 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.”

LUMP SUM CANCER PLANBENEFIT
Active Firefighter

$3,000 (180 Days Elimination Period)

Certified Volunteer Firefighter

$3,000 (180 Days Elimination Period)

Non-Certified Volunteer Firefighter

$1,500 (180 Days Elimination Period)

Benefit Duration

3 Years

Definition of Disability

3 Years Own Occupation

Pre-Ex

ER Paid: No Pre-Ex Firefighter Paid: 3/12

Continuation

Included

**Please see full policy and/or Firefighter Cancer/Disability Booklet for all coverage benefits and details.