Benefits for accident, injury, sickness and disability insurance benefits for volunteer Fire Departments

Insurance for volunteer firefighters and first responders if they sustain a covered injury or illness during the course of performing their duties.

Available Benefits:

ON DUTY Blanket Accident and Sickness Insurance

24 Hour OFF DUTY Accident Coverage

Group Term Life Insurance

Group Life Insurance is available to the department for all participating members.  The premium is a blended rate based on the average age of participating members.  All members within a given benefit class will be insured for the same amount.  Participating members are determined from the annual roster provided by the organization.  From age 17 to age 75.  There are NO medical exams or questions.  Coverage is “convertible”, which means members can take it with them when they leave.  The minimum coverage amount is $10,000 and the maximum is $50,000.

Group Critical Illness Insurance

Group Critical Illness Insurance fills the gap for the Volunteer Firefighter where Worker’s Compensation, On and Off Duty Accident Coverage, and Life Insurance do not.  Critical Illness Insurance pays a lump sum of cash upon the diagnosis of a covered illness.  Critical Illness Insurance is available to the department for all participating members.

Coverage includes:
Cancer & Cancer Reoccurrence, Stroke, Heart Attack, Coronary Artery Bypass Surgery, Heart Valve Replacement, Severe Burns, Occupational HIV Infection plus 17 other illnesses

Benefit Option: $5,000 to $25,000

Evidence of Insurability: NOT required

If you would like more information on our Firefighter Accident Insurance Programs, please contact MEBA for a no obligation quotation for your firm.