Sumter County Survivor Benefits

Survivor Benefits
Updated April 2012

ONE-TIME DEATH BENEFIT

Contact:
Sumter County Board of County Commissioners, Employee Services Department
7375 Powell Road
Wildwood, FL 34785
Phone: (352) 689-4420
Fax: (352) 689-4421
E-mail: [email protected]
Website: sumtercountyfl.gov/index.aspx?nid=88

The principal sum of $185,000 will be paid if a covered firefighter, as defined in Florida Statute 112.191(b), who is in Active Service dies as the direct result of an Unlawful and Intentional Death incident within 365 days from the date of a Covered Accident.

Unlawful and Intentional Death Coverage includes death resulting from the unlawful and intentional killing of a firefighter, while engaged in the performance of firefighter duties, who dies as a result of: a) an injury sustained by an unlawful and intentional act of another person or b) a fire which has been determined to have been caused by an act of arson; while on assignment by or at the direction of the Policyholder whether on or off the premises of the Policyholder.


ACCIDENTAL DEATH AND DISMEMBERMENT BENEFITS

Contact:
Sumter County Board of County Commissioners, Employee Services Department
7375 Powell Road
Wildwood, FL 34785
Phone: (352) 689-4420
Fax: (352) 689-4421
E-mail: [email protected]
Website: sumtercountyfl.gov/index.aspx?nid=88

If a Line of Duty or Fresh Pursuit injury results, within 365 days from the date of a Covered Accident, in a loss of life, a Principal Sum payment will be made in the amount of $65,000 for Line of Duty losses and an additional $65,000 if the loss is sustained while in Fresh Pursuit.

Fresh Pursuit Coverage applies to loss sustained as a result of the firefighter’s response to what is reasonably believed to be an emergency involving the protection of life or property or the firefighter’s participation in a training exercise. Life of Duty Coverage applies when the Covered accident takes place while: 1) on duty, on or off the Policyholder’s premises; or 2) making a “Line of Duty” response to an emergency while off duty. “Line of Duty” means acts done according to the standards set by the Policyholder for the type of work in which the Insured is engaged. It does not include: 1) commuting between home and place of work; or 2) traveling or any other act not considered to be in the Line of Duty


FUNERAL BENEFIT

Contact:
Sumter County Board of County Commissioners, Employee Services Department
7375 Powell Road
Wildwood, FL 34785
Phone: (352) 689-4420
Fax: (352) 689-4421
E-mail: [email protected]
Website: sumtercountyfl.gov/index.aspx?nid=88

Maximum of $1,000 toward funeral and burial for death from an injury resulting directly and independently of all other causes, from a Covered Accident while you are in the Line of Duty.

Life of Duty Coverage applies when a Covered accident takes place while: 1) on duty, on or off the Policyholder’s premises; or 2) making a “Line of Duty” response to an emergency while off duty. “Line of Duty” means acts done according to the standards set by the Policyholder for the type of work in which the Insured is engaged. It does not include: 1) commuting between home and place of work; or 2) traveling or any other act not considered to be in the Line of Duty.


CONTINUATION OF INSURANCE EXPENSE BENEFIT

Contact:
Sumter County Board of County Commissioners, Employee Services Department
7375 Powell Road
Wildwood, FL 34785
Phone: (352) 689-4420
Fax: (352) 689-4421
E-mail: [email protected]
Website: sumtercountyfl.gov/index.aspx?nid=88

If death occurs while in the Line of Duty or in Fresh Pursuit, a surviving spouse or surviving dependent child can elect to continue group health insurance provided by Sumter County, subject to all following conditions: 1) death results directly and independently of all other causes from a Covered Accident; and 2) within 60 days of death, the surviving spouse and/or dependent child notifies agency of election to continue existing coverage under Employer’s plan; and 3) death was: a) result of an act of violence inflicted by another person; b) result of a fire which has been determined to be caused by an act of arson; or c) result of an assault of the firefighter under riot conditions.

Fresh Pursuit Coverage applies to loss sustained as a result of the firefighter’s response to what is reasonably believed to be an emergency involving the protection of life or property or the firefighter’s participation in a training exercise. Line of Duty Coverage applies when the Covered accident takes place while: 1) on duty, on or off the Policyholder’s premises; or 2) making a “Line of Duty” response to an emergency while off duty. “Line of Duty” means acts done according to the standards set by the Policyholder for the type of work in which the Insured is engaged. It does not include: 1) commuting between home and place of work; or 2) traveling or any other act not considered to be in the Line of Duty.

This benefit, payable annually, equals the premium required to continue health insurance coverage, as long as the total amount of this benefit does not exceed the Benefit Maximum of $2,000 for three years. The benefit will be paid at the end of each year during which health insurance is continued upon receipt of a request for reimbursement and proof of the premiums paid during that year. Benefit payments will continue until the earliest of the following dates: 1) the date a surviving spouse or surviving dependent child is no longer eligible to continue health insurance coverage; 2) the date benefit payments equal the Benefit Maximum; 3) the end of the 3 year period; and 4) the date a surviving spouse remarries or the date a surviving dependent child reaches age 25.

Benefits are payable to the surviving spouse, or the person who actually paid the premium on behalf of the surviving spouse, if other than the surviving spouse.


EDUCATION BENEFIT – CHILDREN

Contact:
Sumter County Board of County Commissioners, Employee Services Department
7375 Powell Road
Wildwood, FL 34785
Phone: (352) 689-4420
Fax: (352) 689-4421
E-mail: [email protected]
Website: sumtercountyfl.gov/index.aspx?nid=88

Each qualifying dependent child covered under the policy on the date of death is eligible for a $2,000 Child Education Benefit if the firefighter dies in the Line of Duty or in Fresh Pursuit, or if he or she suffers an Unlawful Intentional Death. The death must have resulted directly and independently of all other causes from a Covered Accident for which an Accidental Death Benefit is payable. This benefit is subject to the following conditions. A qualifying dependent child must: 1) be enrolled as a full-time student in an accredited school of higher learning beyond the 12th grade level at the date of the Covered Accident; or be at the 12th grade level on the date of the Covered Accident and then enroll as a full-time student at an accredited school of higher learning within 365 days from the date of the Covered Accident and continue his or her education as a full-time student; and 2) incur expenses for tuition, fees, books, room and board, transportation and any other costs payable directly to, or approved and certified by, such school. Payments will be made to each qualifying dependent child or to the child’s legal guardian, if the child is a minor at the end of each year for the up to 4 years. Satisfactory proof of the dependent child’s enrollment and attendance must be received within 31 days of the end of each year.

Fresh Pursuit Coverage applies to loss sustained as a result of the firefighter’s response to what is reasonably believed to be an emergency involving the protection of life or property or the firefighter’s participation in a training exercise. Line of Duty Coverage applies when the Covered accident takes place while: 1) on duty, on or off the Policyholder’s premises; or 2) making a “Line of Duty” response to an emergency while off duty. “Line of Duty” means acts done according to the standards set by the Policyholder for the type of work in which the Insured is engaged. It does not include: 1) commuting between home and place of work; or 2) traveling or any other act not considered to be in the Line of Duty.

Unlawful and Intentional Death Coverage includes death resulting from the unlawful and intentional killing of a firefighter, while engaged in the performance of firefighter duties, who dies as a result of: a) an injury sustained by an unlawful and intentional act of another person or b) a fire which has been determined to have been caused by an act of arson; while on assignment by or at the direction of the Policyholder whether on or off the premises of the Policyholder.


EDUCATION BENEFIT – SPOUSE

Contact:
Sumter County Board of County Commissioners, Employee Services Department
7375 Powell Road
Wildwood, FL 34785
Phone: (352) 689-4420
Fax: (352) 689-4421
E-mail: [email protected]
Website: sumtercountyfl.gov/index.aspx?nid=88

Surviving spouse is eligible to receive up to 3 years of education benefits if firefighter suffers an Unlawful Intentional Death or dies as a result of injuries sustained in the Line of Duty or in Fresh Pursuit, provided a benefit is payable under the Accidental Death and Dismemberment Benefit.

Fresh Pursuit Coverage applies to loss sustained as a result of the firefighter’s response to what is reasonably believed to be an emergency involving the protection of life or property or the firefighter’s participation in a training exercise. Line of Duty Coverage applies when the Covered accident takes place while: 1) on duty, on or off the Policyholder’s premises; or 2) making a “Line of Duty” response to an emergency while off duty. “Line of Duty” means acts done according to the standards set by the Policyholder for the type of work in which the Insured is engaged. It does not include: 1) commuting between home and place of work; or 2) traveling or any other act not considered to be in the Line of Duty.

Unlawful and Intentional Death Coverage includes death resulting from the unlawful and intentional killing of a firefighter, while engaged in the performance of firefighter duties, who dies as a result of: a) an injury sustained by an unlawful and intentional act of another person or b) a fire which has been determined to have been caused by an act of arson; while on assignment by or at the direction of the Policyholder whether on or off the premises of the Policyholder.

To qualify for the Spouse Education Benefit, the spouse must enroll in an occupational training program within one year of the date of firefighter’s death for the purpose of obtaining an independent source of income.

Benefit paid will be equal to the lesser of: 1) $2,000; or 2) expense incurred for occupational training. “Expense Incurred” is defined as a) the actual tuition charged, exclusive of room and board; and b) the actual cost of the materials needed for the occupational training program. The expense must be incurred within 3 years of the date of death. Benefit will be paid upon receipt of proof that the spouse has enrolled in an occupational training program.


CHILD CARE CENTER BENEFITS

Contact:
Sumter County Board of County Commissioners, Employee Services Department
7375 Powell Road
Wildwood, FL 34785
Phone: (352) 689-4420
Fax: (352) 689-4421
E-mail: [email protected]
Website: sumtercountyfl.gov/index.aspx?nid=88

If a death results directly and independently of all other causes, from a Covered Accident while you are in the Line of Duty, or in Fresh Pursuit or you suffer an Unlawful Intentional Death, each surviving Dependent child may be eligible for $2,000, up to 2 payments per child, for care provided by a Child Care Center.

Fresh Pursuit Coverage applies to loss sustained as a result of the firefighter’s response to what is reasonably believed to be an emergency involving the protection of life or property or the firefighter’s participation in a training exercise. Line of Duty Coverage applies when the Covered accident takes place while: 1) on duty, on or off the Policyholder’s premises; or 2) making a “Line of Duty” response to an emergency while off duty. “Line of Duty” means acts done according to the standards set by the Policyholder for the type of work in which the Insured is engaged. It does not include: 1) commuting between home and place of work; or 2) traveling or any other act not considered to be in the Line of Duty.

Unlawful and Intentional Death Coverage includes death resulting from the unlawful and intentional killing of a firefighter, while engaged in the performance of firefighter duties, who dies as a result of: a) an injury sustained by an unlawful and intentional act of another person or b) a fire which has been determined to have been caused by an act of arson; while on assignment by or at the direction of the Policyholder whether on or off the premises of the Policyholder.

This benefit is subject to the following conditions: 1) one or more surviving Dependent children are under age 11; and 2) was enrolled in a Child Care Center on the date of the Covered Accident; or 3) enrolls in a Child Care Center within 90 days from the date of the Covered Accident.

This benefit will be payable to the surviving spouse if the spouse has custody of the child. If the surviving spouse does not have custody of the child, benefits will be paid to the child’s legally appointed guardian. Payments will be made at the end of each 12 month period that begins after the date of death. Claims must be submitted to the benefits’ provider at the end of each 12 month period with proof of enrollment and attendance. Pro rata payments will be made for periods of enrollment in a Child Care Center of less than 12 months. A “Child Care Center” is a facility that: 1) is licensed and run according to laws and regulations applicable to child care facilities; and 2) provides care and supervision for children in a group setting on a regular, daily basis. A “Child Care Center” does not include any of the following: 1) a Hospital; 2) the child’s home; 3) care provided during normal school hours while a child is attending grades one through twelve.
 


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.