In the United States, accidents are the number-one cause of death among people under the age of 44, and the fourth-leading cause of death overall according to the National Vital Statistics Report published by the Centers for Disease Control and Prevention in 2014. 24-Hour Accidental Death & Dismemberment (24-Hour AD&D) Insurance* offered by Provident can help provide added protection for paid and volunteer firefighters and emergency responders.
This 24-Hour AD&D program offers coverage to all eligible members and employees while they are at work and when they are off-duty. Members are covered 24 hours a day anywhere in the world (subject to the policy limitations and exclusions), and this includes riding as a passenger in an aircraft being used for transporting passengers.
Additional Benefits available include:
Coverage also includes Travel Assistance Services such as:
In order for us to provide a quote for our 24-Hour Accidental Death & Dismemberment Insurance, we need to gather basic information that includes such things as: how many members and employees the career, combination, or volunteer fire department or emergency services organization would like to cover as well as requested benefit limits.
In addition to 24-Hour Accidental Death & Dismemberment Insurance, please read more about the other insurance products we offer for volunteer firefighters and first responders:
Contact our office to learn more about the insurance coverage available in your area.
24-Hour Accidental Death & Dismemberment insurance policies are underwritten by AXIS Insurance Company, Chicago, IL, 60606. These policies are administered by Provident and in California, Provident of Pennsylvania Insurance Agency of Pittsburgh, PA.
Coverage is subject to exclusions and limitations and may not be available in all US states and jurisdictions. Product availability and plan design features, including eligibility requirements, descriptions of benefits, exclusions or limitations may vary depending on state laws. Full terms and conditions of coverage, including effective dates of coverage, benefits, limitations and exclusions, are set forth in the policy. See the actual policy language or your Provident representative for specific provisions and details of availability.
THIS INSURANCE PROVIDES LIMITED BENEFITS. LIMITED BENEFITS PLANS ARE INSURANCE PRODUCTS WITH REDUCED BENEFITS AND ARE NOT INTENDED TO BE AN ALTERNATIVE TO OR INTEGRATED WITH COMPREHENSIVE COVERAGE. FURTHER, THIS INSURANCE DOES NOT COORDINATE WITH ANY OTHER INSURANCE PLAN. IT DOES NOT PROVIDE MAJOR MEDICAL OR COMPREHENSIVE MEDICAL COVERAGE AND IS NOT DESIGNED TO REPLACE MAJOR MEDICAL INSURANCE. THIS INSURANCE IS NOT MINIMUM ESSENTIAL BENEFITS AS SET FORTH UNDER THE PATIENT PROTECTION AND AFFORDABLE CARE ACT.
Additional services are provided by third-party agreements and are not insurance. These services include emergency, security and travel assistance services, and are offered through independent internationally recognized global travel assistance companies.
The First Responder Assistance Program is not insurance and is provided through Provident by Morneau Shepell.