St. Johns County Survivor Benefits

Survivor Benefits
Updated June 2012

ONE-TIME DEATH BENEFIT

Contact:
St Johns County, Board Of County Commissioners
500 San Sebastian View
St Augustine, FL 32084
Phone: 904-209-0642
Fax: 904-209-0643
Website: www.sjcfl.us
E-mail: tmarcum@sjcfl.us

Firefighters who are full-time (30+ hours/week) employees of St Johns County who have completed the life insurance waiting period. Waiting period ends the first of the month following 90 days of employment.

Life Insurance
Policy benefit in the amount of $20,000 is provided by county. Additional benefits may apply if policyholder opted to purchase supplemental coverage.

To submit a claim, written notice of claim and proof of claim must be submitted no later than 30 days after date of death. Necessary forms may be obtained from employer.

Accidental Death Benefit
Maximum amount of the Accidental Death Benefit is $65,000.

If insured is killed while a) in fresh pursuit; or b) responding to an emergency or what was reasonably believed to be an emergency; or c) responding to a traffic accident; or d) while enforcing what is reasonably believed to be a traffic law or ordinance; or e) in the case of a firefighter participating in a training exercise; an additional $65,000 will be paid.

If insured is killed as a result of an unlawful and intentional act by another person, an additional $185,000 will be paid.

Seat Belt Benefit
If loss of life occurs as a result of an automobile accident and policyholder was wearing a seat belt at the time of the accident, an additional Seat Belt Benefit is payable. The Seat Belt Benefit is 10% of the amount of Accidental Death Benefit payable or $25,000, whichever is less.

Satisfactory written proof that death resulted from an automobile accident and that the policyholder was wearing a seat belt at the time of the accident, as well as a copy of the police report, are required.

Air Bag Benefit
If loss of life occurs as a result of an automobile accident, and policyholder was wearing a seat belt and positioned in a seat protected by a Supplemental Restraint System which inflated on impact, an additional Air Bag Benefit is payable. The Air Bag Benefit is 5% of the amount of Accidental Death Benefit payable or $5,000, whichever is less.

Satisfactory written proof that death resulted from an automobile accident and that the Supplemental Restraint System properly inflated, as well as a copy of the police report, are required.


EDUCATION BENEFIT – CHILDREN

Contact:
St Johns County, Board Of County Commissioners
500 San Sebastian View
St Augustine, FL 32084
Phone: 904-209-0642
Fax: 904-209-0643
Website: www.sjcfl.us
E-mail: tmarcum@sjcfl.us

Firefighters who are full-time (30+ hours/week) employees of St Johns County who have completed the life insurance waiting period. Waiting period ends the first of the month following 90 days of employment.

A Dependent Child is eligible for an Education Benefit if Accidental Death Benefit is payable under the Group Policy and the Dependent Child enrolls as a full-time student at a post-secondary school before reaching age 23 and within 1 year after date of death.

The annual Dependent Child’s Education Benefit is the lesser of:
– 5% of Accidental Death Benefit payable; or
– Incurred Expenses; or
– $5,000.

The Dependent Child Education Benefit is payable at the end of each semester per dependent child, for a maximum of four consecutive years per child. Proof of the child’s enrollment and Incurred Expenses are required each semester prior to payment of the benefit.

Incurred Expenses include tuition, fees, cost of books, room and board, transportation and any other costs paid directly to the school.


EDUCATION BENEFIT – SPOUSE

Contact:
St Johns County, Board Of County Commissioners
500 San Sebastian View
St Augustine, FL 32084
Phone: 904-209-0642
Fax: 904-209-0643
Website: www.sjcfl.us
E-mail: tmarcum@sjcfl.us

Firefighters who are full-time (30+ hours/week) employees of St Johns County who have completed the life insurance waiting period. Waiting period ends the first of the month following 90 days of employment.

A Dependent Spouse is eligible for an Education Benefit if the Dependent Spouse enrolls in any school for the purpose of retraining or developing skills needed for employment within 1 year after date of death.

The Dependent Spouse’s Education Benefit is equal to the expenses paid directly to such school or $3,000, whichever is less. Proof of enrollment and expenses are required prior to payment of the benefit.

 


Disclaimer: The material contained in the National Fallen Firefighters Foundation Survivor Benefits website is not the result of legal research, but rather is based on a scan of public documents. We have made every effort to be accurate and timely, but errors may exist. The material on this website is advisory only and should not be cited as evidence or proof that a benefit exists or that our facts are accurate. Always consult the decedent’s fire department for benefits assistance, or a benefits’ attorney. If, in the course of your own research, you see errors of fact, or new benefit information, please pass this information along to the National Fallen Firefighters Foundation.