any volunteer member of the fire department a paid on call volunteer (includes members that receive...
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Any volunteer member of the Fire Department
A paid on call volunteer (includes members that receive a monthly or annual stipend)
Junior member or Auxiliary member A commissioner, director, trustee, or
person acting in a similar position A non-member deputized at the scene of
an emergency by one of your officers, but only for the duration of the emergency
BENEFITS ARE PAID DEPENDING ON THE TYPE OF ACTIVITY
( FOR TRAVEL TO, DURING, & FROM)
Emergency Duties Other Covered Activities
Firefighting Rescue Operations Good Samaritan acts Training Exercises which simulates an
emergency Firematic Events or Contests (battle of
the barrel, ladder climbs, tug of war) Classroom training
If a volunteer firefighter responds to an emergency not on behalf of the Policyholder
or any other organization, and applies his/her knowledge to help out and gets
injured, they are covered under the policy.
Emergency Duties Firematic Events & Contests Fundraising Monthly meetings, conventions Any other authorized activities
(dinners and banquets)
Non – members also have coverage while helping in these covered activities.
Accidental DeathSeat Belt
Illness Loss of LifeDependant ChildSpousal Support
Memorial Repatriation
Is paid, when Loss of Life is a result of participating in a Covered Activity
Note: No Time Limitations
PRINCIPAL SUMBENEFIT LIMIT OF $100,000
When a properly fastened Seatbelt is worn and Loss
of Life occurs, 25% of the
Principal Sum is paid in addition to the death benefit.
AN ADDITIONALBENEFIT LIMIT
OF $25,000
Payable when a death occurs due to an illness while participating in a
Covered Activity.
Death or Medical treatment must be received within
48 hours.
Note: If Loss of Life occurs during the Covered Activity,
automatic coverage is applied regardless of current/past health
situation.
BENEFIT LIMIT OF $100,000
SMOKE INHILATION
FIREFIGHTER GOES TO HOSPITAL FOR TREATMENT WITHIN 48 HOURS AND IS RELEASED. 1 WEEK LATER DEVELOPS
COMPLICATIONS FROM THE EXPOSURE AND PASSES AWAY
Benefit is paid to the legal guardian
for each dependant child.
Accidental Death Indemnity or Illness Loss of Life Benefit must be payable.
AN ADDITIONALBENEFIT LIMIT
OF $15,000
Benefit is automatically paid to the surviving spouse of an Insured Person.
Accidental Death Indemnity or Illness Loss of Life Benefit must be payable.
AN ADDITIONALBENEFIT LIMIT
OF $10,000
Benefit is
automatically payable to the
Policyholder to cover final expenses incurred for an
insured person or as they see fit.
Accidental Death Indemnity or Illness Loss of Life Benefit must be payable.
AN ADDITIONALBENEFIT LIMIT
OF $3,000
Benefit responds to cover reasonable
expenses incurred, (outside of 50kms) to return an insured
persons body to their current place
of residence.
Accidental Death Indemnity or Illness Loss of Life Benefit must be payable.
AN ADDITIONALBENEFIT LIMIT
OF $15,000
Accidental Dismemberment Quadriplegia, Paraplegia, or
Hemiplegic(paralysis)Vision Impairment
Home Alteration & Vehicle ModificationIllness Permanent Impairment
Heart ImpairmentCosmetic Disfigurement ( Burns)
HIV PositiveFelonious Assault
Cancer
IF AN INJURY CAUSES ANY OF THE LISTED LOSSES TO BE SUFFERED, THE INDICATED PERCENTAGE OF THE
ACCIDENTAL DISMEMBERMENT INDEMNITY PRINCIPAL SUM WILL BE PAID.
(NO TIME LIMITATIONS)IF MORE THAN ONE LOSS IS SUFFERED IN ANY ONE ACCIDENT ONLY ONE AMOUNT, THE LARGEST, WILL BE PAID.
Both Hands or Feet 100% One Hand or Foot 100% Entire Sight of Both Eyes 100% One hand and Entire Sight of One Eye 100% One Foot and Entire Sight of One Eye 100% Speech & Hearing 100% One Arm or One Leg 75% Speech or Hearing 50% One Hand or One Foot 50% Entire Sight of One Eye 50% Both Thumbs 10% One Thumb 5% Each Joint of a Finger or Toe 1%
IF AN INJURY CAUSES ANY OF THE LISTED LOSSES TO BE SUFFERED, THE INDICATED PERCENTAGE OF THE ACCIDENTAL DISMEMBERMENT INDEMNITY PRINCIPAL SUM WILL BE PAID.
(NO TIME LIMITATIONS)
Quadriplegia 200% Parapalegia 200% Hemipeligia 200%
Benefit will respond when an insured person suffers
irreparable injury which results in
permanent impaired vision, but not a total and irrecoverable loss
of sight.
This benefit will not respond to losses to the same eye that are payable under the Accidental Dismemberment Benefit.
Each eye is worth 50%of the Principal Sum
( NOT TO EXCEED 50% OF THE PRINCIPAL SUM))
Benefit amounts vary based on eye sight abilities before the accident and the
amount of impairment sustained.
(No Time Limitations)
Benefit will respond when an Insured
Person suffers a an Injury or Illness for
which the Accidental Dismemberment or Permanent Physical
Impairment Benefit is paid and as a direct
result of the loss requires a wheelchair
to be ambulatory.
COVERAGE PROVIDED FOR: Alterations to the Insured
Persons residence that are necessary to make the residence accessible and habitable for a wheel chair confined person.
Modifications to a motor vehicle owned, leased or newly purchased by the Insured Person that are necessary to make the vehicle accessible to and/or drivable by the Insured Person.
Benefit is payable when an Insured Person
suffers a permanent impairment due to an injury and the Insured Person participates in an approved physical
rehabilitation program, if their
physical condition so warrants.
Benefit will not respond if coverage is provided under the Heart Permanent Impairment or Illness Permanent Impairment Benefits.
% of the Principal SumBased on the
Impairment Value assigned by an
examining physician.
Benefit is paid in addition to any Accidental
Dismemberment or Vision Impairment Benefit but not to
exceed 200% of the largest Principal Sum.
A wall collapses on a firefighter causing tendons to sever in their shoulder. After the tendons are fused back together and after physiotherapy, the firefighter lost a % of the use of their shoulder. If it is 50%use of their shoulder, then applied to the body as a whole, the percentage could be 15%, which is applied to the principal sum and paid. The firefighter could be back to work and this benefit is still paid.
Benefit will respond if an illness results in
an Insured Person being on Total
Disability Benefits for 5 years
(260weeks).
If the Insured Person is unable to return to their occupation 50% of the Benefit is payable.
If the Insured Person is unable to return to any gainful occupation 100% of the Benefit is payable.
Benefit is payable if an Insured Person has a Heart Permanent Impairment due to a heart condition that results in at least 26
weeks of Total Disability.
The % payable varies based on the Functional Classification and % of Impairment and further
modified by the Insured Persons age at the date of impairment.
When an Insured Person suffers from cosmetic disfigurement due to a burn that is classified as a full thickness or third degree burn this Benefit will be
paid.
Benefit is paid based on the Cosmetic Burn Schedule on a % basis.
Benefits may not exceed 100% of the Cosmetic Disfigurement from Burns Principal Sum as a
result of any one accident.
As a direct result of a Covered Activity an Insured Person tests HIV Positive this Benefit is payable and 100% of the Principal Sum is paid upfront.
Benefit is not Payable if there is coverage under the Illness Loss of Life or Illness Permanent Impairment Benefits.
If an Insured Person suffers as a result of a “Felonious Assault” that is directed at the Insured
Person while participating in a Covered Activity this Benefit will pay an Additional 50% of the total
amount payable under:
Accidental Death Indemnity Accidental Dismemberment Cosmetic Disfigurement Resulting from Burns Injury Permanent Impairment Heart Permanent Impairment Illness Permanent Impairment Vision Impairment
Benefit is provided when an Insured Person, as a result of occupational hazards of a
firefighter, suffers Life threatening Leukemia, Non-Hodgkin’s, Lymphoma,
Kidney Cancer, Brain Cancer, or Bladder Cancer for which chemotherapy or radiation
treatments are recommended.
Insured Person will receive $5,000 so long as such treatment is received within one year from the onset of diagnosis and must survive at least 30 days after such
diagnosis.
Total Disability Weekly IncomePartial Disability
General DisabilityTransition
Income Benefits are selected or chosen by FD.
If Injury or Illness from a Covered Activity results in Total Disability the benefit payable is $300/wk for the 1st 28 days.
If Total Disability continues beyond 28 days the benefit payable is up to $300/wk to a maximum of 260 weeks unless option has been taken to increase the payout period to 520 weeks.
The amount payable is determined based on the Insured Persons Gross Average Weekly Wage
minus any other disability income benefits received by the Insured Person from Workers Compensation
or other Valid Collectable Insurance.
Payment may not exceed the Total Disability Maximum Weekly Amount shown on the schedule.
The Total Disability Minimum Weekly Amount is payable regardless of the Insured Persons monetary loss. This is guaranteed to pay up to 260 or 520 weeks, whichever option is chosen.
All T4’s for employer related jobs. Line 101 on T1 General for Self Employed.
Firefighter Gross Average Weekly Wage= $1,000.00/wk Workers Compensation Pays= $750.00/wk Out of pocket Loss= $250.00/wk
For the 1st 4 weeks (28 days) Guaranteed payment of selected benefit
After the 1st 4 weeks (28 days) payment is made up to the maximum or Out of pocket Loss, whichever is less. Never less than the Guaranteed minimum amount.
If injury or illness from a Covered Activity
results in Partial Disability the benefit payable is $150/wk for the 1st 28 days.
If Partial Disability continues beyond 28 days the benefit payable is up to $150/wk to a maximum of 52 weeks.
Partial Disability is paid 50% of the Total Disability Benefit
The amount payable is determined based on the Insured Persons Gross Average Weekly Wage
minus any other disability income benefits received by the Insured Person from Workers
Compensation or other Valid Collectable Insurance, but calculated at 50% of the value
Payment may not exceed the Partial Disability Maximum Weekly Amount shown on the schedule.
The Partial Disability Minimum Weekly Amount is payable regardless of the Insured Persons monetary loss for 52 weeks.
If an Insured Person is Totally or Partially Disabled for less than a week, this Benefit
will pay 1/7 of the Benefit otherwise payable for each full day the Insured
Person is so disabled.
Periods of Total and Partial Disability separated by less than 5 years will be
considered one period of disability unless due to separate and unrelated causes.
When an Insured Person is receiving Total Weekly Disability Benefits and they are terminated from their employment and
remain unemployed after the Total Disability Benefits end under the policy the Transition Benefit will pay as long as the person remains unemployed for up to a maximum of 26 weeks. Payment ends when person is employed or 26 weeks
period is reached, whichever comes first.
This Benefit is payable if an Insured Person is rendered Permanently Totally Disabled and chooses to enroll in an institution of higher
learning or professional trade program.
The objective of this Benefit must be to return the Insured Person to work in an occupation to which they are suited.
Expenses covered include but are not limited to:Tuition, books, and other training materials
required by the educational institute.
MEDICAL EXPENSECOSMETIC/PLASTIC SURGERY
POST TRAUMATIC STRESS DISORDERCRITICAL INCIDENT STRESS MANAGEMENT
FAMILY EXPENSE
This Benefit covers expenses in excess of benefits provided by
any provincial or federal hospital and/or medical plan or other
policy providing medical
reimbursement expenses.
Coverage for Reasonable and
Customary Expenses.
Expenses as a result of injury or Illness for necessary:
Medical, Hospital, or Surgical treatment
Home Health care Nursing services prescribed and
monitored by a physician Post exposure Prophylaxis
protocol (PEP) treatment, when treatment is advise by attending physician
Infectious Disease screening tests Post exposure preventative
inoculations as a result of participation in a Covered Activity
Coverage for Reasonable and Customary expenses incurred, if an Insured Person requires skin grafting or plastic surgery
due to an Injury for which Medical Expense Benefits are paid or payable.
Benefits payable for the Reasonable and Customary expenses incurred, if, as the
result of participation in a specific Covered Activity in which a Traumatic Incident occurred, an Insured Person requires
Hospital or Medical treatment of a Post Traumatic Stress Disorder.
This Benefit covers expenses in excess of benefits provided by any provincial or federal hospital and/or
medical plan or other policy providing medical reimbursement expenses.
Benefit is payable for expenses incurred by a Critical Incident Stress Management
Team when services are requested by the Policyholder and as a result of an Insured
Persons participation in a Covered Activity in which a Traumatic Incident
occurred.
Covered expenses are those for necessary transportation, meals, and lodging.
If an Insured Person requires Hospital confinement for 3 or more consecutive days
for an Injury or Illness this Benefit will respond retroactively to the first day, paying $100/day.
If after such Hospital Confinement an Insured Person participates in Out Patient Physical Therapy as a result of such Injury or Illness this Benefit will pay 50% or $50/day of the
Family Expense Benefit.
Family Expense Benefit is payable for up to a combined 26 weeks regardless of whether it is
paid 100% or 50%.
WEEKLY PERMANENT PHYSICAL IMPAIRMENT COLA BENEFIT
Payable if Injury to an insured person results in a Permanent Physical Impairment
Permanent physical Impairment is valued at 50% or greater
Begins on the 261st week from the date of participation in the Covered Activity which caused the injury
Paid weekly for the remainder of the Insured Persons Lifetime
Increases Weekly Disability Benefits after they have been paid for 52 consecutive weeks
Percentage of increase will equal the increase in the Consumer Price Index
EXTENDED TOTAL DISABILITY
WEEKLY HOSPITAL INDEMNITY
Increases the maximum benefit period from 260 to 520 weeks
If Weekly Income Benefits are payable under this policy, this Benefit will also pay the Weekly Hospital Indemnity Benefit if the Insured Person requires Hospital Confinement or Out Patient Physical Therapy for the same Injury or Illness. $300/wk paid.
Payable for a maximum of 52 weeks.
Provides World Wide coverage when not performing On Duty activities for the Fire
Department.
This coverage may be purchased for the Volunteer Fire Fighter only or extended to
include their family members.
Premium is based on a per person basis whose names are listed on the roster to
which premiums were paid.
PROVIDES COVERAGE FOR:
Accidental Death & Dismemberment andParalysis (Loss must occur within 365 days)
Vision Impairment
Seat Belt Benefit is 15% of Principal Sum
ACCIDENTAL WEEKLY DISABILITY
Up to $300/wk 7 day waiting period payable on day 8 Payable up to 104 weeks Coordination with other disability benefits Non income earners receive a flat $100/wk for
13 weeks Example of Non Income Earners are Students,
Retirees, Unemployed and Home Makers
Repatriation Benefit Daycare Benefit (per
child up to max 4 years) Dependant Child
Education Benefit (per child up to max 4 years)
Spousal Education Benefit
Identification Benefit Funeral Expense
Bereavement Benefit Felonious Assault Parental Care Benefit Coma Benefit Home Alteration &
Vehicle Modification Rehabilitation Benefit Family Transportation Psychological
Therapy
When an Accidental Death Indemnity Benefit is paid this Benefit will respond on behalf of any
child who was an Insured Persons dependant at the time of loss.
Who is under age 13 Currently enrolled in an accredited day care
centre or subsequently enrolled in an accredited day
care center within 365 days following such loss Benefit paid is the lesser of actual cost charged
by daycare, 5% of the Insured Person Principal Sum, or $5,000/yr
Payable annually for 4 consecutive payments
When an Insured Person suffers an Injury resulting in Loss of Life and a Benefit is Paid
out in the Table of Losses this Benefit will respond to cover the costs of a Dependant
Childs Tuition at an Institution of Higher Learning.
The lesser of $5,000 per school year or 5% of the Insured Persons Principal Sum
Payable up to 4 consecutive years If Dependant child is currently enrolled in as a
full time student in an Institution of Higher Learning.
When an Insured Person suffers a Loss of Life for which a Benefit is paid, this Benefit will
pay the actual cost incurred for a Professional or Trades training program in which the spouse enrolls for the purpose of
obtaining an independent source of support and maintenance.
Must be incurred within 30 months of Insured Persons Loss of Life
Maximum amount payable is $15,000
When identification of the Insured Persons body is requested by the Police or similar law enforcement agency having authority
over such matters is requested. This Benefit will respond to:
Lodging and Board up to 3 consecutive days
Transportation expenses Up to a maximum of $10,000
If an Insured Person suffers Injury resulting in Loss of Life this Benefit will reimburse the person who has incurred the actual expense pertaining to the cremation,
burial or funeral expenses of the Insured Person
Payable to a maximum of $5,000
Benefit responds to reasonable and necessary expenses incurred for grief counseling
provided that:
Counseling is for a spouse and/or dependant child of Insured Person
Expenses are incurred within 365 days of the Loss of Life
Counseling is provided by a therapist or counselor who is licensed, registered, or certified to provide such treatment and is not a member of the Immediate family of the Insured Person
If an Insured Person suffers an Injury causing a Loss of Life this Benefit will pay 10% of the Insured Persons Principal Sum to a maximum of $10,000 to or on behalf of any Dependant Parents of the Insured
Person
If an Insured Person suffers an Injury, other than Loss of Life, and within 90 days of the date of the accident is disabled by coma, which coma is continuous and persistent for a period of 6
consecutive months at which point a physician determines to be permanent.
1% of the Principal Sum Less any other amount paid or payable under this
contract in connection with the same accident, Injury or Loss
Payable monthly up to a maximum of 100 payments
Benefit will pay the reasonable and necessary expenses actually incurred for the occupational
training of the Insured Person who suffers an Injury.
Training is required because of Injury and in order for the Insured Person to be qualified to engage in an occupation in which they would not have been engaged except for having suffered such injury
Training expenses are incurred within 2 years from the date of the accident which caused the injury
No payment for ordinary living, travelling, or clothing expenses
Maxi mum amount payable is $15,000 per Insured Person for any 1 accident
If an Insured person suffers an Injury that confines them to a hospital located more than 50 km from their permanent place of residence this Benefit
will respond to reasonable and necessary expenses actually incurred
Confinement must be within 365 days of the accident causing injury
Reimbursement costs are limited to the cost of economy class return airfare via direct route or the equivalent amount toward another type of common carrier transportation
Maximum amount payable $15,000 per Insured Person for any 1 accident
If an Insured Person sustains an Injury which results in a Loss payable, and as a result of such Injury and Loss, the Insured Person requires, within 2 years from the
date of such Injury, Psychological Therapy as prescribed by a Physician,
this Benefit will pay the reasonable and customary expenses for Psychological
Therapy.
If an Insured Person becomes Totally Disabled as a result of an Injury this Benefit will respond.
If the Total Disability commences and has been medically treated within 60 days after the accident causing such Injury.
Benefit commences after a 7 day waiting period Benefit shall not exceed 104 weeks Benefits are coordinated with Workers Compensation
and any other Valid and Collectable Insurance to pay up to 100% of the Insured Persons Gross Average Weekly wage or the Weekly Benefit selected, whichever is less.
If the insured Person has no income or does not suffer any out of pocket loss, the minimum Benefit payable is $100/wk for a maximum of 13 weeks
Benefit payout is based on the Family Status at the time of Loss. The following percentages are applied to the Insured Person’s Principal Sum to determine his/her Eligible Dependents Principal Sum:
Spouse Only= 60% of Insured Persons Principal SumChild/ren Only= 20% of Insured Persons Principal SumSpouse=%50 and Child/ren=15% of Insured Persons Principal Sum
Benefits Available Accidental Death & Dismemberment Paralysis Seat Belt Benefit Funeral Expense Benefit Psychological Therapy Benefit Identification Benefit Repatriation Benefit Home Alteration & Vehicle Modification Daycare Benefit Accidental Weekly Disability – Spouse Only -Payable after the 7 days wait
-Benefit payable is a flat $100/wk for a maximum of 13 weeks
Suicide or any attempt at, while sane or insane
Intentional self –inflicted injuries while sane Injuries that happen while flying except:
a. As a passenger on a commercial aircraft; or
b. As a passenger on any aircraft while taking part in a Covered Activity
Injuries that happen while flying as a crew member, or during parachute jumps from the aircraft
Service as a member of the armed forces of any nation, or loss resulting from enemy action or any act of war, whether declared or undeclared
Mental or emotional disorders except as specifically provided under the Post Traumatic Stress Disorder coverage
Treatment of Alcoholism or drug addiction and any complications arising there from, except loss sustained during and resulting from a Covered Activity.
Illness except as provided by the policy Military service of any state, province, or
country
As a client of VFIS, you have access to all of their programs and materials, the majority offered FREE of charge
Simply visit the web www.vfis.com Have your policy # handy Call Toll Free 1-800-461-8347 and place
your order. All items shipped to you Free of Charge.
THIS PRESENTATION IS MEANT AS A SUMMARY OF COVERAGE ONLY.
PLEASE REFER TO POLICY WORDINGS FOR COMPLETE COVERAGES, LIMITS AND EXCLUSIONS
Underwritten by: AIG Insurance Company of Canada145 Wellington Street West
Toronto, ON M5J 1H8P:800-461-8347 F:855-558-0014 E: