Frequently Asked Questions

Below, you'll find a list of our most common questions, however we're always here to help! Feel free to call 1 (800) 23-CANCER or email This email address is being protected from spambots. You need JavaScript enabled to view it. at any time for personal assistance.

Who is the insurance carrier for this program?

Hartford Insurance Company has implemented similar programs in multiple other states. Hartford Insurance Company was chosen in conjunction with several decision-makers, with the endorsement of the Alabama League of Municipalities. Hartford Insurance Company will be the Insurance carrier for this program in Alabama.

If our Department has both Paid and Volunteer Firefighters, will we be able to get coverage for both?

If your Department has paid Firefighters, Certified Volunteers, or Non-Certified Volunteer Firefighters, you will be able to get a quote covering all Firefighters in all three different categories under one plan for your Department.

Can you clarify what it means by law to be an active Firefighter for 12 consecutive months?

Under the law, to be eligible for this coverage you must be an Active Firefighter who has completed 12 months of active service by the policy effective date. If you are a Career Paid Firefighter, the definition of active service is simple. You must be actively working, receiving a paycheck, and participating in your Fire Department for 12 consecutive months.

If you are a Volunteer Firefighter, your Fire Department should have some form of Standard Operating Procedure (SOP). The SOP will state your specific requirements such as participate in a certain amount of training, respond to a certain number of calls, etc. Please consult your Fire Department SOP for the definition of an Active Firefighter in your Volunteer Department. If you do not have a SOP as a Volunteer Department, please call 1 (800) 23 – CANCER and one of our account representatives will be happy to help you with the eligibility requirements.

If you are a Volunteer Firefighter, your Fire Department should have some form of Standard Operating Procedure (SOP). The SOP will state your specific requirements such as participate in a certain amount of training, respond to a certain number of calls, etc. Please consult your Fire Department SOP for the definition of an Active Firefighter in your Volunteer Department. If you do not have a Standard Operating Procedure as a Volunteer Department, please call 1 (800) 23 - CANCER and one of our account representatives will be happy to help you with the eligibility requirements.

If you are a Volunteer Firefighter, your Fire Department should have some form of Standard Operating Procedure (SOP). The SOP will state your specific requirements such as participate in a certain amount of training, respond to a certain number of calls, etc. Please consult your Fire Department SOP for the definition of an Active Firefighter in your Volunteer Department. If you do not have a Standard Operating Procedure as a Volunteer Department, please call 1 (800) 23 - CANCER and one of our account representatives will be happy to help you with the eligibility requirements.

What types of cancer does this insurance cover?

It is mandated that ALFRBP cover a specified list of cancers within the law. This list contains a total of 21 cancers that are referred to as “Basic Legislated Cancers.” Under ALFRBP, you have the option to purchase the Basic Plan, which meets the minimum standards of the law. Alternatively, you have the option to purchase the Enhanced Plan, which essentially covers all cancers. The Enhanced Coverage costs approximately only $12 more per Firefighter, per year, than the Basic Plan.

**Please refer to full policy details regarding all cancers covered under the Enhanced Plan.

How is a Non-Invasive Cancer Diagnosis Paid?

Under ALFRBP, if you have a non-invasive cancer diagnosis, you will receive a $6,250 payment (versus the $25,000 payment for invasive cancers). These different diagnoses, invasive versus non-invasive, are determined by your physician according to the industry medical standards.

**Please refer to fully policy for coverage details.

I am a paid Firefighter and I work for one Department for the first 6 months of the year, and another Department for the last 6 months of the year. Which Department is responsible for paying for my coverage?

If you are an eligible Firefighter that qualified for coverage on January 1, the Department that you are working for on January 1 is the Department that is responsible for paying your premiums for the year.

I Volunteer at three different Departments during the year, which Department would pay for my coverage?

If only one of those Departments is paying for 100% of your coverage, that is the Department that you should qualify under, and that Department would be paying for your premiums. You would need to consult with the Fire Chief of that Department to ensure that you are eligible and considered as an Active Firefighter under their standard operating procedures throughout the year.

I work as a paid Firefighter at one Department, and a Volunteer Firefighter at another Department. Can I get coverage at both Departments and can I collect on a claim at both Departments?

No, you cannot get coverage at two different Departments, nor can you file a claim at both Departments. If you are a paid Firefighter receiving a paycheck and benefits at one Department, and you are a Volunteer Firefighter at another Department, your primary employer will be the paid Department. The paid Department will be responsible for paying for your coverage.

What if my Department is not going to pay my premiums and I am a Volunteer Firefighter?

If you are a Certified Volunteer Firefighter or a Non-Certified Volunteer Firefighter and you meet the eligibility requirements of 12 months of consecutive service by January 1, you will be eligible to purchase coverage on an individual basis. If your Department is not paying for your entire Firefighting Team as a group, please call 1(800) 23- CANCER to discuss the rates if you would like to pay for the coverage individually.

Can Retired Firefighters be covered under this plan?

If you were covered under the ALFRBP as an Active Firefighter for one full year, and you either retire, leave the industry, or terminate your employment from your employer, you are eligible to keep coverage with you under what is referred to as Benefit Portability. You will be required to pay the annual premiums individually.

How does the Long-Term Disability Benefit with this program work?

If you are a Career Active Firefighter diagnosed with a covered cancer, and you are disabled and unable to work after the 180-day elimination period. You will be paid $3,000 per month, for up to 36 months. If you are a Certified Volunteer Firefighter, the above disability benefits apply to you in the same way. If you are a Non-Certified Firefighter, once you have met the 180-day elimination period, you will be eligible for $1,500 per month for up to 36 months.

**Please refer to full policy for coverage details.

I am drawing disability from other sources after I am diagnosed with a covered cancer. Do I still get the $3,000 per month or $1,500 per month?

You will need to consult one of the claims specialists at that time. The program dictates that the disability program will coordinate with other potential disability income sources. Without having specifics of an individual Firefighters other sources of disability income, it is difficult to answer this question. The bottom line is this disability benefit under ALFRBP will coordinate and may offset with other income sources that you might have.

How do I file a claim for coverage under this program?

Once you are determined eligible, and you are covered under a Fire Department, you will receive information by calling our  phone number 1 (800) 23 – CANCER and our support team will help you navigate the process of filing a claim.