Idaho State Fire Commissioners’ Association

2. Idaho State Fire Commissioners’ Association

3. What is the organization’s most valuable asset?

4. $ 450,000 A new Pumper?

5. A new Ladder Truck? $$1,000,000

6. Your Volunteers and Career Personnel? $ _____ ?

7. Which is easier to replace?

8. What benefits are available to emergency service personnel?

9. Available Benefits Government Benefits: • Federal Death Benefit (PSOB) • Workers Compensation • Children’s education benefit

10. Public Safety Officers Benefit (PSOB) Effective October 2012 $328,612.73 • Basic Requirements: • Die as a result of traumatic injury; • Suffered in the line of duty

11. Idaho Workers Compensation • Workers Compensation (WC) is a no-fault system that provides wage loss and medical benefits to workers with job-related injuries or disease

12. Workers Compensation Benefits and Features Medical Care- reasonable and necessary medical care • Temporary and total disability benefits • Until you can return to work, or • Condition reached a point of maximum medical improvement • Permanent Impairment and/or Disability benefits • Able to return to some job • Not able to return to work • Death Benefits- survivor receives weekly benefits for 500 weeks (benefit will change is wife remarries) dependents receive benefits up to age 18.

13. Income Replacement Benefits • 5 day waiting period • 14 day retro period

14. Income Replacement BenefitsVolunteer Firefighters • Calculation of Weekly Income Benefits • 2012 state wide average weekly wage(SWAWW) $661. • Benefits for volunteers greater of: • AWE from regular employment, or • 67% of SWAWW =$442.87 • Maximum 90% of SWAWW = $594.90

15. Death/Survivor Benefits From WC • Spousal benefit is 45% to 60% (depending on children) of average weekly wage • Spouse paid up to 500 weeks or until remarriage. Upon remarriage spouse receives benefits for lesser of: • 180 weeks, or • Balance of 500 weeks • Funeral Benefit $6,000

16. Children’s Education Benefit Dependents of firefighters (including volunteers) killed or disabled in the line of duty are eligible for tuition, fees, on campus room and board, and up to a $500 book allowance at Idaho public institutions of higher learning or public professional-technical colleges. Limit is 36 months or four 9-month periods. Other conditions apply

17. Available Benefits Private Sector Benefits: • Accident and Sickness • Group Life • Critical Illness • Length of Service Awards Program

18. Cover Gaps Of: • Workers’ Compensation • Waiting period • Heart Coverage WhyAccident & Sickness ?

19. Did you know that over half of Americans are 3 paychecks away from bankruptcy Waiting for Workers Compensation to pay, or having a claim denied could create significant financial hardship

20. If you have members earning more than $661 per week Workers Compensation will not totally replace their earnings.

21. Who is Covered? All classes of membership Good Samaritan Deputized Bystanders Community Helpers at non emergency events Paid members (optional) Accident and Sickness

22. Accident and SicknessWhen are You Covered? All normal duties, including travel to and from these activities Coverage for approved athletic events on the fire department premise. If additional coverage is required for athletic or social events, contact your VFIS representative.

23. Accident and SicknessWhat is Covered? Injury Illness means sickness, disease , heart, stroke or infection: That manifests itself during a specific Covered Activity, and Insured Person interrupts that activity for immediate medical treatment by a Physician or at a Hospital. Or, directly results from participation in a Covered Activity and medical treatment is received within 48 hours. Waived for Infectious Disease

24. Accident and SicknessLump Sum Benefits Loss of Life, including: Dependents Seat Belt Benefit Spousal Support Memorial Benefit Lump Sum Living Benefits Dismemberment Vision impairment Impairment (Both lump sum and lifetime benefits) Important Lifetime Benefits paid even if you go back to work Burn HIV

25. Accident and SicknessIncome replacement benefits • First 28 days:Benefit selected by you • Important: • No need to wait for WC to determine if benefits are payable and in what amount • No need to submit proof of earnings loss • Allows prompt benefit payment After 28 days: Benefit selected by you • Not to exceed 100% of pre-disability wages • Important standard benefit paid up to 5 years option available to 10 years with no change in disability definition

26. Accident and SicknessOther Benefits Occupational Retraining Medical Post-Traumatic Stress Disorder Critical Incident Stress Management Benefit Family Expense Benefit Home and Vehicle Modification Benefit Felonious Assault Transition Benefit Continuation of Health Insurance Premium

27. Accident and SicknessOptional Benefits Weekly Hospital Indemnity Additional +Disability Weekly Benefit 24 hour (Covered Activity or off-duty) Off-duty (formerly non-covered activity) League sports

28. Other Programs Available Group Term Critical Illness LOSAP

29. Group Life • Provides 24 hour on and off duty coverage on a guaranteed issue basis for all classes of membership

30. Critical Illness • Provides lump sum living benefit for: • Heart Attack • Cancer • Stroke • Provides 24 Hour Accidental Death and Dismemberment coverage • **Not yet approved in Idaho

31. Length of Service Awards Program • Powerful recruitment tool developed to retain, reward and recruit volunteers for their years of dedicated service • Monthly Benefit paid for life starting at designated age • The more years of active service the greater the benefit

32. Questions??? Dave Wyrwas 717-741-7500 dwyrwas@vfis.com Idaho VFIS Representative Gary Sorenson 208-414-1160 hwins@ruralnetwork.net