Accident Insurance for Volunteers

The program provides medical and dental reimbursement, death and dismemberment benefits for individuals injured while performing volunteer duties for municipalities. Eligible entities must participate in the MMA Workers Compensation Fund or Property and Casualty Pool and must list ALL volunteers. The Blanket Coverage allows enrolling entities to cover all volunteers for the coverage year even if the names of all volunteers are not known at the time the enrollment application is submitted

Eligibility: Municipal participation in MMA Property & Casualty Pool or Workers Compensation Fund

Cost: $2.00* per volunteer per year

Term: July 1st through June 30th of each year

Benefits:
Medical expense reimbursement (excess of individual's own health care coverage)…………. Up to $50,000
Death benefit …………………… $ 10,000
Dismemberment ………………... Up to $ 10,000

Enrollment: Municipalities must enroll ALL eligible volunteers except those with similar coverage elsewhere

Municipalities must agree to keep an accurate record of all volunteers and that list is subject to audit

Carrier: Hartford Life Insurance Company

Changes: This is blanket coverage and notification is not required if minor changes occur in volunteer numbers

Limitations: Coverage is excess over the volunteer's own health care coverage. If volunteer does not have health care coverage, this coverage is primary coverage.

For more information please contact:

Marcus Ballou mballou@memun.org at Maine Municipal Association, 1(800) 590-5583 or Susan Kludjian at HUB International New England, (800) 370-0642

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

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

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