Overview
St. Johns County provides in the line-of-duty coverage for full-time firefighters and EMTs as required by the firefighter death benefit law (Florida Statute 112.191). Coverage is provided through AIG Insurance/National Union Fire Insurance Company.
Full Firefighter In Line-of-Duty Death Insurance Policy
Coverage Eligibility
- Class 1: All full-time Firefighters
- Class 2: Eligible Fire Inspectors, Examiners and Associate Medical Director
Benefits
Accidental Death – $75,000 Limit
a) If an Insured is killed while:
i) in fresh pursuit; or
ii) responding to an emergency or what insured reasonably believed to be an emergency; or
iii) responding to a traffic accident; or
iv) while enforcing what is reasonably believed to be a traffic law or ordinance; or
v) in the case of firefighter, participating in a training exercise; an additional $75,000 will be paid
b) If an Insured is killed as a result of an unlawful and intentional act by another person, an additional $225,000 will be paid
Accidental Dismemberment – $75,000 Limit
a) If an Insured suffers a dismemberment while:
i) in fresh pursuit; or
ii) responding to an emergency or what insured reasonably believed to be an emergency; or
iii) responding to a traffic accident; or
iv) while enforcing what is reasonably believed to be a traffic law or ordinance; or
v) in the case of firefighter, participating in a training exercise; an additional $75,000 will be paid
b) If an Insured suffers a dismemberment as a result of an unlawful and intentional act by another person, an additional $225,000 will be paid
Burial Benefit – Limit n/a
$1,000
Day Care Benefit – $2,000 Limit
Max Years: 2 - Due to death and dismemberment
Education Benefit – $2,000 Limit
Max Years: 2 - Children or Spouse
Undergraduate, Post baccalaureate, Career Certificate
Medical Continuation Benefit – $5,000 Limit
Due to death
Beneficiary Designation
To update your beneficiaries, complete a Beneficiary Designation Form, and submit to St. Johns County Human Resources Department.
Policy #
- SRG 0009064843D
- Policy Name: Blanket Special Risk – Florida Statutory AD&D