New York State Volunteer Firefighter Cancer Benefit Program

New York State Volunteer Firefighter Cancer Benefit Program

Volunteer Firefighters Take on Risk – We Have Their Back

New York State Volunteer Firefighter Cancer Benefit Program logo It’s a well-known fact that certain types of cancer are a health risk for firefighters. With that diagnosis come major costs.

Thanks to the signing of GML-205CC, volunteer firefighters throughout New York State are now entitled to an enhanced cancer disability benefit insurance program provided by their fire district, department or company. It’s why the AFDSNY, FASNY and NYSAFC, together with NYSAC, NYCOM, AOT, PERMA and NY Comp Alliance have partnered with The Hartford to bring you a way to help protect our 110,000 volunteer firefighters and their families: the New York State Volunteer Firefighter Cancer Benefit program.
 

Designed by Firefighters for Firefighters

Recovery should be the focus when a cancer diagnosis occurs. The Cancer Benefit program helps make that possible. Offering three forms of protection, our two distinct coverage plans are designed to help provide financial support for eligible volunteer firefighters diagnosed with cancer, and their families.
 
Who’s Eligible?
 
All New York State volunteer firefighters who’ve:
 
  • Served at least 5 years as interior firefighter.
  • Passed a physical exam with no evidence of cancer upon entrance as a volunteer.
  • Pass 5 annual mask fit tests.
What Types of Cancer Are Covered under the Enhanced Plan?
 
  • Cancers affecting the prostate or breast; lymphatic, hematological, digestive, urinary, neurological or reproductive systems; and melanoma are covered by this policy. As required by New York law, lung cancer, mesothelioma, sarcomas, non-melanoma skin cancers, or certain cancers of the endocrine system are not covered by this policy.
What Types of Cancer Are Covered Under the Premium Plan?
 
  • All cancers are covered under the Premium Plan, as defined in the policy.
Coverage Amounts for Cancer (Lump-Sum Cancer)
 
  • $6,250 per diagnosis for less severe forms of cancer as defined in the policy.
  • $25,000 per diagnosis for more severe forms of cancer as defined in the policy.
  • $250 once per lifetime for non-melanoma skin cancer (under the Premium Plan only).
Coverage Amounts for Long-Term Disability
 
  • $1,500 per month
  • 36-month maximum
Death Benefit
 
  • $50,000

A Toolkit That Educates

The Hartford also offers materials to help you communicate with your volunteer firefighters including:
 
Benefit Awareness
 
  • A self-service email on the benefit and The Hartford.
  • Educational videos on Lump-Sum Cancer and Long-Term Disability.
  • A flyer on key information.
Claims Process
 
  • A how-to email on filing a claim.
Cancer Awareness and Prevention
 
  • A brochure on cancer risks and prevention.
 
 
The policy provides limited benefits for specified cancers only. This limited health benefit plan (1) does not constitute major medical coverage, and (2) does not satisfy the individual mandate of the Affordable Care Act (ACA) because the coverage does not meet the requirements of minimum essential coverage.
This policy provides limited benefits health insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.
 
1 2016 IMCA Showcase Award Winner: Best of Show. Insurance Marketing & Communications Association.
http://imcanet.com/_wp/wp-content/uploads/2016/06/IMCA_2016_Showcase_Gala_program_winners.pdf
 
Form BSR-1500 (NY) (681360) (Blanket) 1231 1A, Form BSR-1500 (NY) (681360) (Blanket) 1231 1B.
 
7171g NS 01/19
 
Willis Towers Watson logo
The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including underwriting companies Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company. Home Office is Hartford, CT. All benefits are subject to the terms and conditions of the policy. The policy underwritten by the issuing company listed above details exclusions, limitations, reduction of benefits and terms under which the policy may be continued in force or discontinued.