Member Insurance Benefits

DeKalb Lodge Benefits
The following is a list of member benefits afforded active members of the DeKalb Fraternal Order of Police Lodge 10.  All life insurance coverage is included in your benefits as a member for the yearly membership dues.

1. $10,000 Life Benefit - Life benefit is paid when member dies from any cause.  There are no exceptions.
2. $15,000 Accidental Death Benefit - Accident death benefit is paid in addition to the life benefit when a member dies from accidental bodily injury.  The following are exceptions: suicide, self inflicted injury, disease, bodily or mental infirmity, medical or surgical treatment, war, active military duty, substance abuse, driving under the influence of alcohol, travel or flight in an airplane unless as a fare-paying passenger on a regularly scheduled flight or it is in the line of duty.
3. $15,000 Line of Duty Benefit - Line of duty benefit is paid in addition to the life and accidental death benefit when an active at work member is killed in the line of duty.

Georgia State Lodge Benefits
In addition to the Local Lodge benefits, the State Lodge offers the following benefits at NO EXTRA COST:  State Lodge benefits reduce by 50% at age 65 (Local Lodge benefits do not).

1. $1,000 Life Benefit - This benefit is paid when member dies from any cause.  There are no exceptions.
2. $7,500 Accidental Death - This benefit is 24 hour coverage.  This benefit pays when a member dies from a sudden, unforeseen, and unexpected injury within 365 days from the date of the accident.
3. $7,500 Line of Duty Benefit - This benefit is defined as a "covered activity" and will pay in addition to the Accidental Death benefit when a member is killed while performing law enforcement duties.
4. $7,500 Felonious Assault - This benefit is paid in addition to the Accidental Death and Line of Duty benefits when a member's loss of life results from use of force equivalent to a felony under the jurisdiction in which the accident occurred.

Additional Benefits are paid when a member is involved in an accident that directly results in one of the following losses:

• $3,750 - Loss of Speech, Loss of Hearing (both ears), Reattachment of Hand or Foot, Loss of Hand or Foot, Loss of Sight (one eye), Hemiplegia
• $1,875 - Loss of Thumb and Index Finger of Same Hand, Uniplegia
• $5,625 - Paraplegia
• $7,500 - Quadriplegia, Loss of Hands or Feet, Loss of Sight (both eyes)
• $7,500 - Seat Belt benefit pays in addition to other applicable benefits if a member is killed as a result of an automobile accident while properly utilizing a seat belt, as evidenced by a police report.
• $7,500 - Occupant Protective Device benefit pays in addition to other applicable benefits if a member is killed as a result of an automobile accident while protected by a properly deployed air bag.  This benefit is paid only if the Seat Belt benefit is payable.
• $7,500 - Heart and Circulatory Malfunction benefit pays in addition to other applicable benefits if a member under the age of 65 suffers a covered loss of life due to a heart or circulatory malfunction within 48 hours after participation in an emergency activity.  The member must not have been diagnosed or received any treatment for any heart or circulatory system disease or illness within two years prior to the covered activity.
• $7,500 - Common Carrier benefit is paid in addition to the Accidental Death Benefit if a member is killed while riding on a qualifying land, air, or water transportation.

NOTE: State Lodge benefits are effective August 2008. Insurance provided by John L. Cipolla Insurance Consultants, Inc. (800) 733-5131.