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Workplace Assault & Hazard Insurance

Why choose Workplace Assault & Hazard Insurance?

Each day fire fighters respond to events nationwide focused on serving and protecting the public. In the course of these daily events various situations can occur unexpectedly where the fire fighter may be injured and their families suffer a loss of income over a brief or prolonged period of time. While Workers Compensation pay can cover some of these expenses, they do not adequately cover all household financial needs. What can an IAFF member do to help protect their financial security?

The Workplace Assault & Hazard Insurance Plan provides lump sum cash benefits payable directly to the affected fire fighter in addition to any other benefits received from their department and or municipality. Coverage is Guaranteed Issue, meaning you cannot be denied a policy when you elect to enroll regardless of prior health history. The only requirement is that you be actively employed on your effective date of coverage.

Benefits include:

  • Violent Assault Injury: Receive up to $200,000 in tax-free cash payments if an injury or fatality is sustained as result of a workplace assault.
  • Needlestick Injury & Infection: Up to $200,000 tax-free in the event you miss work because you contracted an infectious disease in the workplace, including HIV, Hep-B & C, and Ebola.
  • Accidental Death Insurance: In the event of accidental death, whether on or off-duty, beneficiaries will receive a tax-free, lump sum cash payment of $100,000 or $200,000 in addition to any other life insurance benefits you already have.
  • Accidental Dismemberment: Offers up to $200,000 in a tax-free, lump sum cash payment, in addition to other insurance benefits you may have.

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