Coverage and 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 meets the legislative mandates as follows:

Lump Sum Cancer Coverage

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 PLAN	BENEFIT
Cancer Benefit Amount	$25,000
Invasive Cancer	100% of Coverage Amount
Non-Invasive Cancer	25% of Coverage Amount
Lifetime Coverage Maximum	$50,000
Recurrence Benefit (% of Coverage Amount)	100%; 90 Days Separation Period
Benefit Portability	Yes

Long Term Disability (LTD) Coverage

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:

LUMP SUM CANCER PLAN	BENEFIT
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-Existing Conditions	Employer Paid: No Pre-Ex Firefighter Paid: Some Restrictions Apply
Continuation	Included

*Please refer to full policy for all coverage benefits and details.

The Alabama First Responders Benefits Program (FRBP) "the Program" is provided by First Responders Insurance Company, Inc. (FRIC), an Alabama based insurance company licensed in the State of Alabama through the Department of Insurance. Actual Program benefits, rates, terms, and conditions are subject to change based on regulatory requirements and changes in employer operations or information. The information contained herein is intended to provide a summary of coverages, and does not include all of the policy terms, conditions, limitations, and exclusions which provide the full detail of coverages and take precedence over the information contained herein.