$10,000 Accidental Death benefit is 24 hour coverage – business or pleasure. This benefit pays when a member dies from a sudden, unforeseen, and unexpected event including exposure or disappearance.

$10,000 Line of Duty benefit is defined as a “covered activity” and will pay in addition to the Accidental Death benefit when a member is killed while preforming law enforcement duties.

$10,000 Felonious Assault benefit is paid in addition to the Accidental Death and Line of Duty Benefits when a member’s loss of life results from use of force equivalent to a felony under the jurisdiction in which the accident occurred.

Additional Benefits are paid when a member is involved in an accident that directly results in one of the following losses:

• Loss of Speech $ 5,000
• Loss of Hearing (both ears) $ 5,000
• Reattachment of Hand or Foot $ 5,000
• Loss of hands or feet $10,000
• Loss of hand or foot $ 5,000
• Loss Thumb and Index Finger of Same Hand $2,500
• Loss of sight, both eyes $10,000
• Loss of sight, one eye $ 5,000
• Quadriplegia $10,000
• Paraplegia $ 7,500
• Hemiplegia $ 5,000
• Uniplegia $ 2,500

• Seat Belt benefit pays in addition to other applicable benefits if a member is killed as a result of an automobile accident while properly utilizing a seat belt, as evidenced by a police report. $10,000

• Occupant Protection Device benefit pays in addition to other applicable benefits if a member is killed as a result of an automobile accident while protected by a properly deployed air bag. This benefit is only paid if the Seat Belt benefit is payable. $10,000

• Heart and Circulatory Malfunction benefit pays in addition to other applicable benefits if a member under the age of 65 suffers a covered loss of life due to a heart or circulatory malfunction within 48 hours after participation in an emergency activity. The member must not have been diagnosed or received any treatment for any heart or circulatory system disease or illness within two years prior to the covered activity. $10,000

• Common Carrier benefit is paid in addition to the Accidental Death Benefit if a member is killed while riding on a qualifying land, air, or water transportation. $10,000

Duty Related Benefit Examples:

Accidental/ Line of Duty Death:
$10,000 Accidental Death
$10,000 Line of Duty
$20,000 Total Benefit

Line of Duty/ Felonious Assault:
$10,000 Accidental Death
$10,000 Line of Duty
$10,000 Felonious Assault
$30,000 Total Benefit

Line of Duty/ Vehicular Death:
$10,000 Accidental Death
$10,000 Line of Duty
$10,000 Seat Belt
$10,000 Occupant Protection
$40,000 Total Benefit

Non-Duty Related Benefit Examples:

Accidental Death:
$10,000 Accidental Death

Vehicular Accident :
$10,000 Accidental Death
$10,000 Seat Belt
$10,000 Occupant Protection
$30,000 Total Benefit

*Examples illustrate a covered loss as defined in the master contract.

INSURANCE (John L. Cipolla Insurance Co.800-753-5131)

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