Firefighter Cancer Benefit Program


St. Johns County provides benefit coverage required by the firefighter cancer benefit law (Florida Statute 112.1816) that went into effect on July 1, 2019. Coverage is offered by Provident through United Badges Insurance Company.

Coverage Eligibility

A full-time employed firefighter would be eligible for coverage under the program if the following criteria are met:

  • The firefighter has been employed by St. Johns County for at least 5 continuous years.
  • The firefighter has not been employed in any other position in the preceding 5 years that is proven to create a higher risk for any cancer.


Please note that the law requires employers to provide Lump-Sum coverage to firefighters who have separated from service within the last 10 years so long as the firefighter elects to continue the employer-sponsored health plan or group health insurance trust fund after separation Full Firefighter Cancer Insurance Policy

Lump-Sum Cancer Benefit (Plan 1)
A $25,000 cash benefit, paid upon the diagnosis of cancer, may be used to meet the firefighter’s financial needs.

Death Benefit
A $75,000 cash benefit will be paid in the event of the firefighter’s death due to complications associated with cancer. The cause of death must be confirmed by a Physician who is board certified in the medical specialty that is appropriate for the type of cancer involved. To update your beneficiaries, complete a Beneficiary Designation Form, and submit to St. Johns County Human Resources Department.

Line of Duty Cancer Expense Reimbursement Benefit
Benefit Amount up to $12,000 per Insured Person per Policy Term reimbursed for the following out-of-pocket expenses incurred by an insured firefighter due to the treatment of Line of Duty Cancer: Deductible, Coinsurance, or Copayment.

Filing a Claim

How to File a Claim

Firefighters should download a claim form or call Provident at 800.447.0360. The Critical Illness/Lump Sum claim must be initiated by the firefighter submitting the claim.

  • Policy #: PRCA-97333-FL10044