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Get the Financial Protection You Need When the Unexpected Happens

Accident & Health Insurance

Whenever career and volunteer firefighters and medical first responders answer a call they risk more than their lives to selflessly serve others—they risk their economic livelihood due to hazards that can cause injury, illness, or even death. Even in states that have liberal Workers’ Compensation benefits, there are many shortcomings and loopholes to face. Disability limitations, waiting periods, pre-existing medical condition exclusions, and restrictions for heart attacks are just a few of the problems that emergency responders may encounter. These shortcomings can cripple a family’s financial stability. That’s where Accident & Health Insurance can make a real difference by providing benefits that Workers’ Compensation may not cover. Why choose the blanket Accident & Health (A&H) Insurance policy?

  • The A&H insurance policy helps provide financial protection when the unexpected happens. It provides income replacement and many additional benefits that pay independently of one another to ensure the financial security of each paid and volunteer firefighter or first responder and his or her family.
  • Our A&H insurance policy has innovative benefits, such as a Weekly Disability Benefit payable up to LIFETIME. Listed below are some specific benefits contained in our blanket Accident & Health policy for volunteer firefighters and emergency responders.
  • The First Responder Assistance Program* is included with this coverage. This confidential program offers resources and referrals 24/7 online or by phone for first responders and their families for personal issues regarding stress, grief, substance misuse, relationships, and more.
  • Claims are processed by our staff in Pittsburgh. You will not be calling a large call center, as you will speak with one of our friendly and courteous claims staff who will personally assist you through the process. Learn more about filing claims with Provident.

 

Accident & Health Insurance Highlights

  • Total Disability due to Injury: Weekly benefit payable up to LIFETIME. No Permanent Physical Impairment rating is required to qualify for the benefit.
  • Total Disability due to Illness: Weekly benefit payable up to the Age of 67 or 5 years, whichever is GREATER.
  • Partial Disabilities: Weekly benefit payable up to the Age of 67 or 5 years, whichever is GREATER.
  • Permanent Physical Impairment Rating: Payable for Injuries and Illnesses with no waiting period.
  • Family Expense Benefit: Reimburses actual expenses of a family member who assists in the care of an insured person who is confined to a hospital or is receiving out-patient care. Expenses include, but are not limited to: food, gas, lodging, childcare, and the family member’s lost wages. There is no waiting period and no minimum travel distance required to qualify for this benefit.
  • Education Benefits: May be payable to an insured person’s family members in the event of a covered injury or covered illness death.

Request A Quote

In order for us to provide a quote for our Accident & Health 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.

Two options to fill out our questionnaire for a free no-obligation quote:

  1. Use our preferred Secure Online Form.
  2. Download our PDF questionnaire (once the PDF is completed, send via email to reserve@providentins.com).

 

Additional Products

In addition to Accident & Health 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.

THIS IS A BLANKET ACCIDENT ONLY POLICY.

The Accident & Health insurance coverage is underwritten by AXIS Insurance Company under policy form series number VFBACC-001-0513.

*THE FIRST RESPONDER ASSISTANCE PROGRAM IS NOT INSURANCE AND IS NOT PROVIDED BY AXIS INSURANCE COMPANY. IT IS A SERVICE PROVIDED THROUGH PROVIDENT BY BHS™.

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 local country or US state laws.

The amount of benefits provided depends upon the plan selected and the premium will vary with the amount of the benefits selected. These policies are administered by Provident Agency, Inc. and in California, Provident of Pennsylvania Insurance Agency of Pittsburgh, PA.