A cancer diagnosis can happen at any time and leave you emotionally, physically and financially overwhelmed. While traditional health insurance is valuable coverage, it may not cover all of the expenses related to your treatment and recovery.
The State of Georgia recognized the need to support its 35,000 firefighters and their families by passing legislation (House Bill 146), requiring legally organized fire departments to provide certain cancer benefits for eligible employed and volunteer firefighters.
In response to this requirement, The Georgia Firefighter Cancer Benefit Program was created to help bridge the financial gaps that may follow a cancer diagnosis, so you can focus on recovery. This cost-effective program has been made available to members of the Georgia Municipal Association (GMA) for cities and the Association County Commissioners of Georgia (ACCG) for counties.
Your employer’s group coverage, provided by The Hartford, includes:
Critical Illness insurance (Lump Sum Cancer)
- A lump sum benefit that is paid when you are diagnosed with a covered cancer.
Long-term Disability insurance (Partial Income Replacement)
- When you’re unable to work as a firefighter for a long period of time due to a cancer diagnosis, Long-term Disability insurance pays a portion of your income every month.
- For an employed firefighter, 60% of your income up to $5,000 is the monthly benefit.
- For a volunteer firefighter, a flat amount of $1,500 is the monthly benefit.
These benefits can be used in any way you choose, enabling you to focus more on recovery. They can help pay for things like:
- Coinsurance or deductibles for health insurance
- Everyday living expenses such as groceries, mortgage/rent and other bills
- Child care or caregiver expenses