Firefighter In Line-of-Duty Death Benefit Program

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.

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