A note from the Presidents desk.
It has been a while since I have sent anything out. It's hard to think of things to say, I'm a man of few words. First, the Board and myself hope this note finds everyone in good health. Our organization is getting smaller as is any department. It is very hard to find anyone that wants to go into law enforcement, let alone volunteer to do it part-time. If you know of anybody working in law enforcement part-time or volunteering, please tell them about us. We would love to have them in our group. In the past, we had training opportunities. Now it is hard to do anything because almost every agency has SOP's that cover everything from hats to shoes and everything in between. The Attorney General has classes, that are offered in Columbus in the fall. I go as often as I can, it's a great opportunity. As part of your membership, you get an insurance policy in the event you are injured during the course of your duties. You would be eligible for $200 a week. There is also a death benefit. We have added a copy of the policy for anyone having any questions.
Accident & Sickness
Summary of Coverages
_____________________________
PREPARED ON TUESDAY, DECEMBER 12, 2023 FOR
OHIO VOLUNTEER PEACE OFFICERS ASSOCIATION
_________________________________________________________
FOREWARD
This Summary of Coverage is a brief description of benefits provided under your VFIS Accident and Sickness policy. This summary is not binding on your organization, VFIS, or the insurance companies we represent. Actual coverage is provided only by the policy. If there are any conflicts between this document and the policy, the policy will govern.
Please update your benefits as circumstances change. Contact your insurance representative of VFIS to discuss how benefit changes might be beneficial to your members.
Underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company with its principal place of business at
1271 Ave. of the Americas, FL 37, New York, NY 10020-1304, currently authorized to transact business in all states and the District of Columbia under
policy series V50000.
GENERAL INFORMATION
First Named Insured: OHIO VOLUNTEER PEACE OFFICERS ASSOCIATION
Mailing Address: PO BOX 33241
NORTH ROYALTON, OHIO 44133
WHO IS COVERED?
Your coverage provides benefits for career members who are defined as not working full time in law enforcement.
WHEN DOES COVERAGE APPLY?
Coverage applies while a member is participating in a specific Covered Activity.
Coverage is provided when a member performs any normal duty of the emergency service organization whether it is an emergency or non-emergency duty.
A Covered Activity also includes an activity that requires immediate action by the member at the scene of an emergency while not
acting on behalf of any organization. These activities are commonly called Good Samaritan Acts.
WHAT BENEFITS ARE PROVIDED?
Benefits are paid for injury or illness. An illness is a disease, sickness or infection which:
1. Manifests itself at a Covered Activity with the member interrupting participation to receive immediate medical treatment, or
2. Directly results from a Covered Activity with the member receiving medical treatment within 48 hours. The time limit is
waived for infectious disease.
3. Illness also includes the Mandatory Quarantine of an Insured Person.
Examples of illness include heart impairment, infectious disease, or strokes.
CAREER
LOSS OF LIFE BENEFITS LIMIT
Accidental Death Benefit Amount.......................................................................................$20,000
Seat Belt Benefit Amount......................................................................................................$5,000
Safety Vest Benefit Amount..................................................................................................$5,000
Military Death Benefit Amount............................................................................................$15,000
Illness Loss of Life Benefit Amount...........................................................................................$20,000
Dependent Child and Education Benefit Amount.......................................................................$30,000
Spousal Support and Education Benefit Amount........................................................................$15,000
Memorial Benefit Amount...........................................................................................................$5,000
Dependent Elder Benefit Amount................................................................................................$5,000
Repatriation Benefit Amount.....................................................................................................$2,500
We will pay a Death Benefit when a member dies as a result of an injury or illness that occurs:
a. during a specific Covered Activity: or
b. due to a covered injury or illness: or
c. due to a heart attack or stroke within 48 hours of an emergency response or training exercise requiring active physical participation.
The Memorial Benefit is paid to the member's department to be used at the department's discretion for items such as final expenses,
establishing a memorial or trust fund, or to provide financial assistance to beneficiaries.
LUMP SUM LIVING BENEFITS LIMIT
Accidental Dismemberment and Paralysis Benefit Principal Sum...............................................$20,000
Vision Impairment Benefit Principal Sum..................................................................................$20,000
Injury Permanent Impairment Benefit Principal Sum..................................................................$20,000
Heart Permanent Impairment Benefit Principal Sum..................................................................$20,000
Illness Permanent Impairment Benefit Principal Sum.................................................................$20,000
Cosmetic Disfigurement Resulting From Burns Principle Sum....................................................$20,000
HIV Positive Lump Sum Living Benefit Principal Benefit Sum.......................................................$20,000
Impairment and Dismemberment Benefits are paid at a percentage of the benefit limit, subject to the specific terms of the policy. However,
the HIV benefit is provided in a lump sum according to the policy terms and conditions.
CAREER
WEEKLY INCOME BENEFITS LIMIT/DURATION
During the first 28 days of Total Disability the weekly benefit payable is the limit shown....................$200
After 28 days of Total Disability the weekly limit shown is the maximum amount
payable. The actual amount payable is equal to 100% of your members pre-disability
wages offset by loss of income benefits received from Workers Compensation and
Other Valid and Collectible Insurance...................................................................................................$200
Minimum amount of Total Disability payable after 28 days.....................................................................$50
Maximum period for which Total Disability benefits are paid.............................................................5 years
Total Disability Elimination Period......................................................................................................0 Days
During the first 28 days of Partial Disability the weekly benefit payable is the limit shown....................$100
After 28 days of Partial Disability the weekly limit shown is the maximum amount payable...................$100
Minimum amount of Partial Disability payable after 28 days....................................................................$25
Maximum period for which Partial Disability benefits are paid.............................................................1 year
Weekly Injury Permanent Impairment (Lifetime) Benefit.............................................................Not Included
Weekly Injury Permanent Impairment Benefit COLA...................................................................Not Included
Total Disability means the member is unable to perform all the material and substantial duties of their own occupation.
Total Disability benefits will be increased on July 1, following the first 52 consecutive weeks. Benefits will be increased
a minimum of 5% up to a maximum of 10%, based on the increase of the CPI-U.
Partial Disability means the member is unable to perform one or more, but not all, of the material and substantial duties
or their own occupation.
Weekly Injury Permanent Impairment Benefit:
If a member suffers a 50% or greater Permanent Impairment as a result of an injury, we will pay a weekly benefit equal to
the percentage of the Permanent Impairment multiplied by the weekly disability benefit the member was receiving on the
29th day of disability. Payments begin when Total Disability benefits and Extended Total Disability benefits (when selected)
end. Weekly Injury Permanent Impairment benefits will continue for life. The member could go back to their own or any
other occupation and continue to receive this benefit.
Permanent Impairment means a medical condition which is physical or functional abnormality or loss, which remains
after the maximum medical rehabilitation has been achieved, and is considered stable or non=progressive at the time
the evaluation is made. The evaluation of Permanent Impairment is based on the current version of the American Medical
Association's "Guide to the Evaluation of Permanent Impairment".
CAREER
MEDICAL EXPENSE BENEFITS LIMIT
Medical Expense Benefit Maximum Amount............................................................................$2,500
Benefits Paid: Excess of Workers Compensation
Cosmetic Plastic Surgery Maximum Amount.........................................................................$25,000
Post-Tramatic Stress Disorder Maximum Amount................................................................$25,000
Critical Incident Stress Management Maximum Amount.......................................................$25,000
Family Expense Benefit (per day)...............................................................................................$100
Family Bereavement and Trauma Counseling Benefit
Maximum Amount (per person).........................................................................................$1,000
Post-Traumatic Stress Disorder means emotional stress resulting from a Traumatic Incident experienced by a member,
during participation in a Covered Activity, which adversely affects their psychological and physical well being.
Traumatic Incident means an abnormal experience outside the range of usual human experience.
The Family Expense Benefit is paid after a member has been admitted to the hospital as a result of an injury or illness.
For each day a member participates in Out-Patient Physical Therapy, after being hospitalized, 50% of the benefit shown
will be paid. This benefit is payable the first day of hospitalization and paid for up to 26 weeks.
The Family Bereavement and Trauma Counseling Benefit is paid after a member's death or exposure to a Traumatic
Incident due to participation in a specific Covered Activity which results in the member's spouse, Dependent Child, or
Resident Immediate Family Member requiring counseling. Treatment must be prescribed and monitored by a Physician.
CAREER
OTHER BENEFITS LIMIT
Occupational Retraining Benefit Maximum Amount................................................................$20,000
Transition Benefit............................................................................................................Not Included
Felonious Assault Benefit Amount....................................................................................Not Included
Home Alteration and Vehicle Modification Benefit Maximum Amount.....................................#50,000
Occupational Retraining: If, as a result of an injury or illness, a member is not able to be gainfully employed and
chooses to enroll in school or a training program with the objective of returning to work, we will pay tuition, room
and board and other expenses up to the limit shown above. This coverage is in excess of Workers Compensation
and Other Valid and Collectible Insurance. The program must be agreed upon by the member and VFIS.
Transition Benefit: If, while receiving Total Disability, a member is terminated from regular employment and remains
unemployed after Total Disability benefits end, this benefit will be provided up to 26 weeks.
Felonious Assault: If an Accidental Death, Illness Loss of Life, Accidental Dismemberment and Paralysis, Vision Impairment,
Injury Permanent Impairment, Heart Permanent Impairment, Illness Permanent Impairment, Cosmetic Disfigurement or HIV
Positive Lump Sum Living benefit is payable as a result of a Felonious Assault while participating in a Covered Activity, we
will pay the Felonious Assault benefit maximum amount. Felonious Assault means any willful or unlawful use of force upon
the Insured Person with the intent to cause bodily injury: that results in bodily harm:; and that is a felony or a misdemeanor.
Home Alteration and vehicle Modification: If, as a direct result of an injury or illness that results in a covered permanent
and irrevocable loss, a member is required to make alterations to his home and/or vehicle we will pay up to the limit shown
above for such alterations incurred within three years of the injury or illness causing the loss. This benefit is excess of all
other benefits payable including Worker's Compensation.
CAREER
OPTIONAL BENEFITS LIMIT
Weekly Hospital Benefit Amount.................................................................................................Not Included
First week Total Disability Benefit Amount..................................................................................Not Included
Coordinated 28 Day Total Disability Benefit Amount...................................................................Not Included
Extended Total Disability Benefit.................................................................................................Not Included
Long-Term Total Disability.........................................................................................................Not Included
Long-Term Total Disability COLA................................................................................................Not Included
Extra Expense Benefit - Monthly and Maximum Amount..............................................................Not Included
24-Hour Accident Benefit - Injury only........................................................................................Not Included
Off-Duty Accident Benefit - Injury only........................................................................................Not Included
Organized Team Sports...............................................................................................................Not Included
Weekly Hospital Benefit provides members with additional weekly income when hospitalization or outpatient physical
therapy is required for a covered injury or illness.
First Week Total Disability Benefit provides an additional payment for the first week of Total Disability as a result of a
covered injury or illness.
Coordinated 28 Day Total Disability Benefit protects higher wage earners by providing an additional income benefit
after coordinating with Total Disability Benefit Weekly Amount (1st 28 days) and Workers Compensation as a result of
a covered injury or illness.
Extended Total Disability Benefit provides Total Disability benefits for a total of 10 years (an additional 280 weeks)
when selected.
Long-Term Total Disability Benefit provides Total Disability benefits at age 70, beginning after 10 years (520 weeks)
of Total Disability. For this benefit, Total Disability means the inability to perform any Gainful Occupation.
Extra Expense benefits will begin after 28 weeks of Total Disability due to a covered injury or illness. This benefit
will cease when the member is no longer disabled. The Extra Expense Benefit Maximum Amount is the most we will
pay.
24-Hour Expense - Injury only benefits are provided to a member who dies or suffers dismemberment, vision loss
or paralysis due to accidental injury. this benefit is payable for both on-duty and off-duty activities.
Off-Duty Accident Benefit - Injury only benefits are provided to a member who dies or suffers dismemberment,
vision loss or paralysis due to an accidental injury. This benefit is payable for off-duty activities.
Organized Team Sports rider provides specified coverage for league sports. (Refer to Policy.)
See application below.
Membership Application
Name:_________________________________________________________
Address:________________________________________________________
City:_____________________________State:__________Zip:____________
Phone:_______________________E-Mail:____________________________
Agency:________________________________________________________ A member is anyone whose primary employment is other than Law
Enforcement, but is actively involved in Law Enforcement as an
Auxiliary, Reserve, or Part-Time Officer.
AD&D of $20,000
Weekly Disability of $200
Cost of $95 per year
Make checks payable to Ohio Volunteer Peace Officers Association, Inc.
P.O. Box 33241
North Royalton, Ohio 44133
info@OVPOA.org