Benefits for accident, injury, sickness and disability insurance benefits for volunteer Fire Departments
Making Friends, Paying Claims
Benefits Available
ON DUTY Blanket Accident
and Sickness Insurance

OFF DUTY 24 Hour
Accident Coverage

Group Life Insurance
Critical Illness Insurance
Health and Dental Benefits
Group Registered Retirement
Savings Plan (RRSP)

Volunteer Firefighter
Master Card

Student Bursaries
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ON DUTY Blanket Accident and Sickness Insurance
Accidental Death and Dismemberment: Pays a principal sum of up to $1,000,000

Criminal Assault Benefit:

Spouse Training Expense:

Paralysis: 200% of principal sum

Seat Belt Benefit: Up to an additional 30% of the principal sum

Bereavement Benefit:

Dependent Child Benefit: $10,000 for each

Child Care Benefit: $5,000 per year, for each dependent child, up to a maximum of $50,000

Education Benefit: $20,000 for post secondary education for each dependent child

Parent Care Benefit: Up to $40,000 for dependent parents

Identification Benefit: For family member to travel to identify body

Repatriation Benefit: To prepare and return the deceased's body

Memorial Benefit: For expenses of the organization or department

Brain Damage Benefit: 100% of the Principal Sum

Medical Expenses: Up to $25,000

Home Health Care Benefit: $15,000

Plastic Surgery: $10,000

Coma Benefit: 1% of the Principal Sum per month

Total Weekly Disability Benefit: Up to $1,000 a week for up to 10 Years

First Week of Disability Benefit: Always pays up to $1,000

Minimum Total Disability Benefit: $100.00 per week

Partial Disability Benefits: Up to total disability amount for up to 2 years

Cost of Living Adjustment: Increases benefit by 5% of pre-disability income per year

Home and Vehicle Adaptation: Dismemberment or wheelchair not required



Permanent Physical Impairment Benefit: Up to 100% of Principal Sum

Transition Benefit: Extends disability benefit for up to 26 weeks after recovery if member loses job while on claim

In-Hospital and Outpatient Benefit: Pays $50 a day for up to 2 years

Family Expense Benefit: Replaces lost income of family members.

Mental Stress Management: Up to $10,000 for single incident or cumulative affect of multiple incidents

Career Members: Automatically included, unless asked to exclude

Auxiliary, Board, Community, Junior Members, and bystanders asked to assist at the scene of an emergency: Automatically included

Exclusions: No exclusions for sports or for pre-existing health conditions!

Organized League Athletics: Fully covered under Off Duty 24 Hour Accident Coverage

Need more information? Please contact:
Michael Crowe, Regional Director
Toll Free: 1 (866) 380-1990

Group Benefits for volunteer fire fighters
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Group Benefits for volunteer fire fighters
Accidental Injury
Accidental Sickness
Critical Illness
Disability Benefits
Life Insurance