All members in good standing are insured.
Accidental Death benefit is 24 hour coverage — business or pleasure. This benefit pays when a member dies from a covered accidental bodily injury that is independent of all other causes.
Line of Duty benefit is defined as a "covered activity" and will pay in addition to the Accidental Death benefit when a member is killed while performing law enforcement duties.
Felonious Assault benefit is paid in addition to the Accidental Death and Line of Duty Benefits when a member’s loss of life results from use of force equivalent to a felony under the jurisdiction in which the accident occurred.
Seat Belt benefit pays in addition to other applicable benefits if a member is killed as a result of an automobile accident while properly utilizing a seat belt, as evidenced by a police report.
Occupant Protection Device benefit pays in addition to other applicable benefits if a member is killed as a result of an automobile accident while protected by a properly deployed air bag. This benefit is only paid if the Seat Belt benefit is payable.
Common Carrier benefit is paid in addition to the Accidental Death Benefit if a member is killed while riding on a qualifying land, air, or water transportation.
Heart and Circulatory Malfunction benefit pays in addition to other applicable benefits if a member suffers a covered loss of life due to a heart or circulatory malfunction within 48 hours after participation in an emergency activity. The member must not have been diagnosed or received any treatment for any heart or circulatory system disease or illness within two years prior to the covered activity.
Additional Benefits are paid when a member is involved in an accident that directly results in one of the following losses:
- Loss of Speech: $1,250
- Loss of Hearing (both ears): $1,250
- Reattachment of Hand or Foot: $1,250
- Loss of hands or feet: $2,500
- Loss of hand or foot: $1,250
- Loss Thumb and Index Finger of Same Hand: $625
- Loss of sight, both eyes: $2,500
- Loss of sight, one eye: $1,250
- Quadriplegia: $2,500
- Paraplegia: $1,875
- Hemiplegia: $1,250
- Uniplegia: $625
For more information or to discuss your benefit, please contact Cipolla and Chubb at 800-733-5131.