Specialty Coverage & Services for Volunteer Firefighters

The Volunteer Firefighters Program (VFF) coverage is underwritten by Hartford Life and Accident Insurance Company and is designed to pick up coverage for fire department activities that fall outside coverage provided Under the Maine Workers Compensation Act.

Eligibility: Municipal membership in MMA
Cost: $34.00* per fire/rescue volunteer
Term:  Individual effective dates for each municipality
Benefits

Accidental Death and Dismemberment Catastrophic Loss


Principal Sum:

$50,000.00
  Accident Medical Expense

Maximum Benefit:
Deductible Amount:
$25,000.00
$0.00
 
Accident Total Disability

Weekly Benefit:
Maximum Payment Period:


$300.00

260 Weeks

  Accident Partial Disability Weekly Benefit:
Maximum Payment Period:

See Benefit

260 Weeks

  Cost of Living Adjustment

Covered: See Benefit

  Rehabilitative Employment

Covered: See Benefit

  Permanent Total Disability

Principal Sum: $50,000.00

 

Heart or Circulatory Malfunction
Form PA-8682 Death



Principal Sum:


$50,000.00

  Medical Expense Maximun Benefit:
Deductible Amount:

$25,000.00
$0.00

  Total Disability Weekly Benefit:
Maximum Payment Period:
$300.00

104 Weeks
Enrollment:  

Participating municipalities must enroll ALL fire and rescue Volunteers.  Junior Firefighters and Auxiliary receive limited coverage At no additional cost.

Carrier:  Hartford Life and Accident Insurance Company
Changes: This is blanket coverage and notification is not required if minor changes occur in the fire/rescue roster
Limitations:  Coverage does not duplicate or replace Workers Compensation benefits.  Heart, Circulatory, Iinfectious disease, and door-to-door coverage applies only to emergency activities.  Disability payment limitations apply to volunteers over 60.  Heart or Circulatory benefits do not apply to volunteers over the age of 65 nor anyone treated for similar condition within five years.

THE INFORMATION ABOVE EXPLAINS THE GENERAL PURPOSE OF THE INSURANCES DESCRIBED, BUT IN NO WAY CHANGES OR AFFECTS ANY SUCH POLICY AS ACTUALLY ISSUED

For more information please contact:

Marcus Ballou mballou@memun.org at Maine Municipal Association, 1(800) 590-5583

*The indicated rate is the current premium for the 2015-2016-policy period. Rates are subject to change.

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