1. Town of Acushnet 122 Main Street Acushnet, MA Injured on Duty A summary of pertinent legislation and the benefits provided to Town of Acushnet Police Officers, Firefighters and EMTs
Prepared By:
Cook & Company Insurance Services, Inc.
Gordon Atlantic Insurance

2. Your Injured on Duty Insurance Policy
The Town of Acushnet currently has an Injured on Duty Accident and Sickness Insurance policy through Independence American Insurance Company (IAIC) administered by Cook and Company Insurance Services, Inc.
The following information details the benefits paid under the applicable statutes and the policy for medical expenses, disability and death benefits.
2/2018
This presentation is designed to give you an overview of the insurance coverage. It is meant only as a general understanding of your insurance needs and should not be construed as a legal interpretation of the insurance policies that are or will be written for you. Please refer to your specific insurance contracts for details on coverage, conditions and exclusions.

3. Medical Indemnification
2/2018
This presentation is designed to give you an overview of the insurance coverage. It is meant only as a general understanding of your insurance needs and should not be construed as a legal interpretation of the insurance policies that are or will be written for you. Please refer to your specific insurance contracts for details on coverage, conditions and exclusions.

4. M.G.L. Chapter 41, Section 100
Massachusetts requires a guarantee of reasonable medical expense indemnification to police officers and fire fighters who sustain injuries on the job.
What is it?
The Town shall indemnity any police officer or fireman for reasonable medical expenses incurred as a “natural and proximate result of an accident occurring, or of undergoing a hazard peculiar to his employment, while acting in the performance and within the scope of his duty without fault of his own”. The duty may be paid or unpaid. The application may be pursued by a policeman or fireman or by someone on their behalf.
Who is covered? *
- Regular police officers and firefighters (full and part-time) Call and volunteer firefighters Police officers and firefighters on special duty (whether paid or unpaid) Emergency medical services personnel
What is covered?
Reasonable hospital, medical, surgical, chiropractic, nursing, pharmaceutical, prosthetic and related expenses and reasonable charges for chiropody (podiatry) 
2/2018
This presentation is designed to give you an overview of the insurance coverage. It is meant only as a general understanding of your insurance needs and should not be construed as a legal interpretation of the insurance policies that are or will be written for you. Please refer to your specific insurance contracts for details on coverage, conditions and exclusions.

5. Disability Benefits
2/2018
This presentation is designed to give you an overview of the insurance coverage. It is meant only as a general understanding of your insurance needs and should not be construed as a legal interpretation of the insurance policies that are or will be written for you. Please refer to your specific insurance contracts for details on coverage, conditions and exclusions.

6. Chapter 41, Section 111F – Leave with pay for incapacitated employees
Massachusetts requires that municipalities issue leave with no loss of pay to police officers and firefighters who sustain injuries as a result of their duties.
What is it? Whenever an active duty police or fireman is incapacitated for duty due to injuries so sustained “in the performance of his duty without fault of his own,” he shall be granted leave without loss of pay for the period of such incapacity provided that no leave is granted if the applicant is retired or pensioned.
Who is covered?
- Regular police officers and firefighters Part time police officers and firefighters (including call firefighters) Emergency medical services personnel
2/2018
This presentation is designed to give you an overview of the insurance coverage. It is meant only as a general understanding of your insurance needs and should not be construed as a legal interpretation of the insurance policies that are or will be written for you. Please refer to your specific insurance contracts for details on coverage, conditions and exclusions.

7. Chapter 32, Section 85H – Call Firefighters and Reserve, Special and Intermittent Police Officers and Part Time Emergency Medical Services Personnel
Disability benefits for call firefighters and reserve, special and intermittent police officers who cannot work their “regular” employment (in addition to their compensation from the Town under Section 111F)
What is it?
Anyone covered under this Chapter shall receive from the Town, for the period of their injury or incapacity, the amount of compensation payable to a permanent member of the fire or police force in their first year of service. No compensation shall be payable after the firefighter has been retired or pensioned or after the incapacity no longer exists.
Who is covered?
- Call firefighters, reserve, special, or intermittent police officer, and part time Emergency Medical Services
personnel
Example:
Benefit – salary of a first-year full-time firefighter
Example: full-time firefighter has $52,000 first year salary– benefit for call firefighter would be $1,000 per week
2/2018
This presentation is designed to give you an overview of the insurance coverage. It is meant only as a general understanding of your insurance needs and should not be construed as a legal interpretation of the insurance policies that are or will be written for you. Please refer to your specific insurance contracts for details on coverage, conditions and exclusions.

8. Death Benefits
2/2018
This presentation is designed to give you an overview of the insurance coverage. It is meant only as a general understanding of your insurance needs and should not be construed as a legal interpretation of the insurance policies that are or will be written for you. Please refer to your specific insurance contracts for details on coverage, conditions and exclusions.

9. M.G.L. Chapter 32, Section 100A – Killed on Duty Benefit
Massachusetts requires a death benefit payable to the family of a public safety employee who is killed on duty.
What is it?
It is a one-time payment of $300,000 to the family of a deceased public safety employee who was killed as a result of his or her duties.
Who is Covered?*
-Any firefighter, any call, volunteer, auxiliary, intermittent or reserve firefighter
-Any call, volunteer, auxiliary, intermittent or reserve emergency medical service provider who is a member of a police or fire department and who is not subject to Chapter 152
-Any police officer, auxiliary, intermittent, special, part time or reserve police officer
-Any municipal or public emergency medical technician
2/2018
This presentation is designed to give you an overview of the insurance coverage. It is meant only as a general understanding of your insurance needs and should not be construed as a legal interpretation of the insurance policies that are or will be written for you. Please refer to your specific insurance contracts for details on coverage, conditions and exclusions.

10. “McNamara” – M.G.L. Chapter 32, Section 89E
In 2003, a Massachusetts volunteer firefighter (Martin McNamara) was killed on duty while fighting a fire in Lancaster, MA. Due to the attention garnered by the tragedy, Massachusetts passed a law in 2005 requiring communities to offer certain death benefits to call and volunteer emergency service providers who die in the line of duty. What is it? In general, the legislation requires municipalities to pay a death benefit to the surviving spouse and/or minor children of any “volunteer emergency services provider” who is killed in the line of duty. Municipalities may select among three benefit options, two annuities and one lump-sum death benefit. In practice, the benefit is typically the lump-sum payment that was initially $500,000 adjusted for inflation (this amount is currently in excess of $600,000).
Who is Covered? Call, volunteer, auxiliary, intermittent or reserve firefighters Call, volunteer, auxiliary, intermittent or reserve emergency medical services providers who are members of a police or fire department and who are not subject to Chapter 152 (Worker Compensation) Auxiliary, intermittent, special, part-time or reserve police officers.
2/2018
This presentation is designed to give you an overview of the insurance coverage. It is meant only as a general understanding of your insurance needs and should not be construed as a legal interpretation of the insurance policies that are or will be written for you. Please refer to your specific insurance contracts for details on coverage, conditions and exclusions.

11. Summary of Benefits
Public Safety Disability Retirement Benefits
Source Full Time Call or Volunteer Firefighter, Reserve, Special or Intermittent Police Officers
State 72% of salary 2/3% of salary (1)
Public Safety Death Benefits
Source Full Time Call or Volunteer Firefighter, Reserve, Special or Intermittent Police Officers
Federal (2) $350,079 $350,079
State $300, $0
IAIC Policy (3) $100,000 $600,000+ (4)
Total Death Benefit: $750,079 $950,079
(1) Based on 2/3 of first-year police officer or firefighter salary (Chapter 32, Section 85H)
(2) Must petition the Federal government
(3) This benefit has been increased to $100,000 under the new Town of Acushnet IAIC policy. This benefit was previously $50,000 under VFIS.
(4) Adjusted for inflation
Please note that EMTs are technically covered under Ch. 152 until the Town adopts Sections 111M and 111N, and therefore, the state might not provide the $300,000 benefit.
2/2018
This presentation is designed to give you an overview of the insurance coverage. It is meant only as a general understanding of your insurance needs and should not be construed as a legal interpretation of the insurance policies that are or will be written for you. Please refer to your specific insurance contracts for details on coverage, conditions and exclusions.