Member 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 dues of $85.
- $10,000 Life Benefit - Life benefit is
paid when member dies from any cause. There are no exceptions.
- $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.
- $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.
In addition to the Local Lodge benefits, the
State Lodge offers the following benefits at NO EXTRA COST:
- $1,000 Life Benefit - This benefit is
paid when member dies from any cause. There are no exceptions.
- $7,500 Accidental Death - This benefit
is paid in addition to the above benefits when a member dies from
accidental bodily injury, or exposure or loss of life due to adverse weather
conditions or disappearance for 365 days after the date of the accident.
- $7,500 Line of Duty Benefit - This
benefit is paid in addition to the life and accidental death benefits
when an active at work member is killed in the line of duty.
- $3,750 Occupational Assault - This
benefit is paid in addition to the life, accidental death and line of duty
benefits when an active at work member's loss of life occurs as the result
of an act of physical violence.
- $7,500 Common Carrier - This benefit
is paid in addition to the life and accidental death benefit while the
member is a fare-paying passenger on qualifying public transportation.
More information on benefits from the State
Lodge, click here.
NOTE: State Lodge insurance
benefits reduce by 50% at age 65. Local Lodge benefits remain in full
effect. Insurance provided by John L. Cipolla
Insurance Consultants, Inc. (800) 733-5131.
Legal Defense Plan
- Members are eligible to join the Legal Defense Plan for an additional
cost of $197.00 per year. We urge every member to join this valuable plan
before you are faced with the need for legal representation. The plan can
only work for you if you have it in place before any incident. To join the
plan, contact the State Lodge at (800) 305-0237.