Why first responders should take a second look at their coverage
The benefits that come with a public safety job are a good start, but they often leave gaps:
- Group life insurance may not be enough. Employer coverage is often a set amount that may not replace years of income or pay off a mortgage.
- It may not follow you. If you change departments, retire or leave the job, group coverage can end or change.
- A paycheck is your biggest asset. An injury or illness, on or off duty, can keep you out of work longer than your sick leave lasts.
- Your family has its own needs. Spouses and kids may need coverage of their own.
Coverage we help first responders with
- Term and whole life insurance you own personally, so it stays with you
- Disability insurance to replace part of your income if you can't work
- Accident and critical illness coverage that pays cash toward costs your health plan doesn't cover
- Final expense coverage for older and retired responders
- AirMedCare membership for your household. Learn about AirMedCare
- Health, dental and vision plans for retirees and family members. See ACA Marketplace plans and dental and vision
For departments and agencies
We also work with fire departments, sheriff's offices, EMS services and municipalities to offer voluntary benefits to their teams through Colonial Life and Unum, with employees paying through payroll deduction. We schedule enrollment around shift schedules, including 24-hour shifts. Learn about employer benefits.