CBS4 in Miami recently published an article highlighting the silent killer known as cancer and how strong of an effect it has on putting firefighters' lives in danger. The article, which we highly recommend reading, can be read here: http://miami.cbslocal.com/2014/04/29/cbs4-investigates-silent-killer-claiming-lives-of-firefighters while the video report is embedded above.
Cancer is unfortunately a disease that should be on the minds of all individuals involved in emergency services. And unfortunately, many have no coverage under an Accident and Sickness program and limited, if any coverage, available through Workers’ Compensation.
However, with the VFIS Critical Illness Insurance Program, your emergency service personnel can receive a lump sum cash benefit when diagnosed with a heart attack, stroke or life threatening cancer. Coverage is provided on a 24 hour on and off duty basis. Of course like all insurance policies, there are certain conditions of coverage among them:
Conditions of Coverage:
- The coverage must be in effect for a Covered Person for at least 90 days prior to the diagnosis of the condition
- The Covered Person must survive for a period of 30 days after the diagnosis (The VFIS Group Term Life Insurance Policy is intended to provide survivor benefits in the event the Covered Person does not survive)
- The Covered Person is under age 75 when first diagnosed with cancer
Who is eligible?
- All members of an emergency service organization whose name appears on the roster submitted at policy inception will be considered Covered Persons. New members are eligible for coverage at the next anniversary date upon receipt of an updated roster. Coverage terminates on the policy expiration date when a member is no longer with the organization and therefore not listed on the renewal census.
Learn More: CRITICAL ILLNESS FLYER