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Firefighters' Cancer Benefit

At-a-Glance

The GMA-GIRMA Firefighters’ Cancer Benefit Program satisfies the obligations of HB 146, required as of January 1, 2018. The Program is affordably priced and provides eligible Georgia firefighters the coverage they need every day as they protect the citizens and property in the cities of the State of Georgia.
 
For firefighters diagnosed with cancer, nothing is more important to their recovery than the peace of mind knowing they are supported by their family, friends and the community they serve. A diagnosis of cancer places a financial strain on individuals and families since not all related expenses are covered by insurance. Medical costs – deductibles, co-pays, out of network treatments - often grow beyond family budgets. And, firefighters who cannot return to employment will likely suffer a loss of income while struggling to recover their health.
 
In 2017, the Georgia General Assembly, recognizing the need to support its 35,000 firefighters and their families, passed HB 146 creating a cancer benefit requirement for eligible Georgia firefighters. This unique initiative, designed to bridge financial gaps following a cancer diagnosis, allows a firefighter to focus on healing.
 
The GMA-GIRMA Firefighters’ Cancer Benefit Program, covering both eligible employed and volunteer firefighters, has two primary components:
  • Lump-sum Cancer Benefit – This benefit, paid upon the diagnosis of cancer, can be used in any fashion – everyday living expenses such as utilities, groceries, or rent - to meet the financial needs of a firefighter at a difficult time.
  • Long-Term Disability Coverage – Long-Term Disability Insurance provides monthly benefit payments when a firefighter is unable to provide firefighter services for an extended period due to a cancer diagnosis. 
The GMA-GIRMA Firefighters’ Cancer Benefit Program satisfies the obligations of HB 146, required as of January 1, 2018. The program is affordably priced and provides eligible Georgia firefighters the coverage they need every day as they protect the citizens and property in the cities of the State of Georgia.

For more information about the program, please contact Dana Goodall at (678) 686-6220 or Stan Deese at (678) 686-6221.

Firefighters' Cancer Benefit

Abbeville Lakeland
Adel Lavonia
Alamo Lenox
Albany Lincolnton
Allentown Loganville
Alpharetta Lookout Mountain
Americus Lumber City
Argyle Lyons
Arlington Macon-Bibb County
Ashburn Madison
Athens-Clarke County Manchester
Atlanta Marietta
Augusta McDonough
Austell McIntyre
Bainbridge McRae-Helena
Baldwin Meansville
Barnesville Metter
Baxley Midway
Blackshear Milledgeville
Blakely Millen
Bloomingdale Milton
Brunswick Mitchell
Butler Monroe
Byron Montezuma
Cairo Moultrie
Calhoun Mountain Park
Camilla Newington
Canon Newnan
Cave Spring Nicholls
Cedartown Ocilla
Centerville Palmetto
Claxton Parrott
Climax Peachtree City
Cobbtown Pelham
Cochran Perry
College Park Pineview
Collins Pooler
Commerce Poulan
Cordele Reidsville
Cornelia Remerton
Covington Reynolds
Danville Riceboro
Darien Richmond Hill
Dawson Rincon
Decatur Riverdale
Demorest Rockmart
Donalsonville Rome
Dublin Rossville
East Dublin Roswell
East Point Sandersville
Eastman Sandy Springs
Eatonton Savannah
Edison Scotland
Elberton Screven
Ellijay Smyrna
Eton Social Circle
Fairburn South Fulton
Fargo Sparks
Fayetteville Sparta
Fitzgerald St. Marys
Flovilla Stapleton
Forsyth Statesboro
Fort Oglethorpe Summerville
Fort Valley Sylvester
Gainesville Tallulah Falls
Garden City Thomaston
Glennville Thomasville
Glenwood Thomson
Gray Thunderbolt
Griffin Tifton
Grovetown Tignall
Hahira Toccoa
Hamilton Toomsboro
Hapeville Trenton
Harlem Trion
Hartwell Tybee Island
Hazlehurst Union City
Helen Union Point
Hephzibah Valdosta
Hinesville Vidalia
Homer Wadley
Homerville Walthourville
Ideal Warner Robins
Irwinton Warrenton
Jacksonville Washington
Jefferson Waverly Hall
Jeffersonville Waycross
Jesup West Point
Kingsland Winder
Kite Winterville
LaFayette Woodville
LaGrange Wrens
Lake Park Wrightsville
The following forms can be found at www.thehartford.com/gma-firefighters:
  • FAQ’s
  • How to File a Claim
  • Critical Illness Policy Booklet
  • Long-Term Disability Policy Booklet
  • Critical Illness Claim Form
  • Portability and Conversion Forms (for departing firefighters that want to continue LTD coverage)
  • Extended Continuation Form (for departing firefighters that want to continue Critical Illness coverage)
  • Notice of Continuation Form for LTD
  • Contact Sheet.
Q. Has a group cancer program been established?
A. Yes, a group purchasing program is being provided through GMA’s Insurance Programs. Group purchasing helps all participants obtain lower pricing and makes it easier for them to be in compliance with the firefighter cancer benefit law.

Q. May an entity purchase only the critical illness coverage OR the income replacement (LTD) coverage from the GMA-GIRMA Firefighters’ Cancer Benefit Program depending on its needs for coverage?
A. Yes, an entity may purchase only one of the two required coverages if the other coverage has already been purchased. However, both coverages are needed to be compliant with HB 146 law.

Q. How does the critical illness or lump-sum supplemental medical benefit work?
A. The lump-sum benefit provides a payout for a diagnosis of cancer based upon severity of the condition. For severe forms of cancer, the payout is $25,000. For less severe forms of cancer, the payout is $6,250. There are types of pre-cancerous conditions which would not qualify for a payout.

Q. Does the critical illness benefit pay for more than one diagnosis of cancer?
A. Yes, the eligible firefighter may receive up to $50,000 (maximum of $25,000 for each diagnosis) in lifetime lump-sum benefits.

Q. May the firefighter take the benefit with them when they leave service?
A. Yes, the firefighter may keep the lump-sum benefit provided they have not already exhausted their $50,000 limit. An eligible firefighter may also convert the Long-term Disability coverage to individual coverage as part of the group disability plan. The firefighter must pay the premium to continue coverage and elect coverage within required time limitations.

Q. How does the Long-Term Disability benefit work?
A. The benefit starts 6 months after the date a firefighter is determined to be disabled due to cancer. For employed firefighters, the monthly benefit is 60% of their pre-disability firefighter earnings up to a maximum of $5,000. For volunteer firefighters, the monthly benefit is a flat $1,500.

Q. How long does the Long-Term Disability benefit last?
A. Provided the firefighter is deemed disabled, the maximum benefit duration is 36 months.
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