Accident & Sickness for Firefighters & Emergency Personnel
Oklahoma's workers compensation system isn't what it used to be. In 2014 Oklahoma had workers compensation reform that slashed benefits for injured workers. This cut to compensation hit the fire service the hardest due to the varying salaries of the members of departments.
"It can't happen to me." That is what some emergency responders believe when it comes to line-of-duty injuries. But, the National Fire Protection Association (NFPA) reported more than 65,880 firefighter injuries occurred in the line of duty in 2013.
Other emergency personnel believe that workers' compensation will take care of their families' financial needs in the event of a service-related injury, illness or death.
Sadly, many learn that even in the few states/provinces with generous workers' compensation benefits, gaps exist. Waiting periods, maximum disability limits, pre-existing conditions and limits for heart conditions are just a few situations that can create economic impact due to limited benefits or claims denial. In addition, many states/provinces may exclude benefits for fundraising events, junior members and auxiliary members.
Don't rely solely on workers' compensation. Protect your members with VFIS Accident and Sickness coverage.
This is only a brief illustration of our program and may contain unintentional inaccuracies of coverages not included in our quotations. Refer to the actual insurance policy for a description of coverages, exclusions and conditions. Coverage may not be available in all jurisdictions and is subject to actual policy language.
ACCIDENT AND SICKNESS COVERAGE HIGHLIGHTS:
Optional: Hospital, First Week, Coordinated 28-Day, Extended Total, Long-Term Total, COLA, Extra Expense, 24-Hour Accident, Off-Duty Accident