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Department of Management Services

Accidental Death and Dismemberment Insurance

STATE OF FLORIDA

ACCIDENTAL DEATH AND DISMEMBERMENT (“AD&D”) INSURANCE  

UNDERWRITTEN BY: Federal Insurance Company
(a member insurer of the Chubb Group of Insurance Companies)

BROKERED BY: Risk Management Associates, Inc. dba Public Risk Insurance Agency

CURRENT POLICY PERIOD: November 30, 2017 through November 30, 2019

This insurance is purchased and administered by the Department of Management Services, Division of State Purchasing. The outline of coverage provided herein is an overview; please refer to the insurance policy for specific information. All questions relating to this policy should be directed to Jill Soderberg, State Purchasing at (850) 488-7996 or Jill.Soderberg@dms.myflorida.com.

Insured Persons

"Insured Persons" means all state law enforcement officers including: correctional officers, correctional probation officers, firefighters, Florida Highway Patrol auxiliary officers, state attorney investigators, public defender investigators, members of bomb disposal units, full-time officers or employees of the State of Florida certified pursuant to Chapter 943, Florida Statute, whose duties require serving processes or attending to the terms of circuit or county court as bailiffs, and members of organized militias while in active military service of the State, as provided in sections 112.18, 112.19, 112.191, 250.34, 321.24, and 943.10 of the Florida Statutes.

Insurance Coverage and Limits

A. Current Accidental Death & Dismemberment Benefits

  1. $65,576.04 - Paid to the designated beneficiary, family member, or estate when a Covered Personnel, while engaged in the performance of the Covered Personnel’s duties, is accidentally killed or receives accidental bodily injury which results in the loss of the Covered Personnel’s life, provided that such killing is not the result of suicide and that such bodily injury is not intentionally self-inflicted.
  2. $65,576.04- Paid to the designated beneficiary, family member, or estate when a Covered Personnel, while engaged in the performance of the Covered Personnel’s duties, is accidentally killed as specified in paragraph (A)(1) above, and the accidental death occurs as a result of the Covered Personnel’s response to fresh pursuit or to the Covered Personnel’s response to what is reasonably believed to be an emergency. This sum is in addition to any sum provided for in paragraph (A)(1) above.
  3. $197,677.91 - Paid to the designated beneficiary, family member, or estate when a Covered Personnel, while engaged in the performance of the Covered Personnel's duties, is unlawfully and intentionally killed or dies as a result of such unlawful and intentional act.

* These sums are adjusted annually in accordance with subsections 112.19(j) and 112.191(i) of the Florida Statutes. The sums listed above represent the amounts approved for July 1, 2017 - June 30, 2018.

B. Additional benefits provided to all Insured Persons (except as noted) while in the course and scope of such insured person’s employment can be found in the policy.

Policy Exclusions

This policy does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit us from providing the insurance. In addition no benefits will be paid for any Accident caused by or resulting from any of the following:1) an Insured Person's emotional trauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral infection, bodily malfunctions or medical or surgical treatment thereof. (This exclusion does not apply to an Insured Person's bacterial infection caused by an Accident or by Accidental consumption of a substance contaminated by bacteria.); 2) any occurrence while an insured person is incarcerated after conviction; 3) an insured person participating in military action while in active military service with the armed forces of any country or established international authority. (This exclusion does not apply to the first 60 consecutive days of active military service with the armed forces of any country or established international authority.); 4) an Insured Person's suicide, attempted suicide or intentionally self-inflicted injury; 5) a declared or undeclared War .

Accidental Loss of Life benefits are paid to the insured person’s designated beneficiary. If the insured person has not chosen a beneficiary or if there is no beneficiary alive when the insured person dies, then the benefit amount for accidental loss of life will be paid to the first surviving party in the following order: 1) the insured person's spouse; 2) in equal shares to the insured person's surviving children; 3) in equal shares to the insured person's surviving parents; 4) in equal shares to the insured person's surviving brothers and sisters; 5) the insured person's estate.

Coverage Categories & Annual Rates Per Covered Personnel

The following categories provide an explanation of the position-descriptions for each Covered Personnel. This information is used by the insurance company for rating purposes.

A. Law Enforcement ($21.97) : Employees of the state who are vested with the authority to bear arms and make arrests and whose primary responsibility is the prevention and detection of crime or the enforcement of the penal, criminal, traffic, boating, or highway laws of the State. Duties may include highway patrol and marine patrol.

B. Law Enforcement Officer, Investigator, or Inspector ($11.07) : Employees of the state who are vested with the authority to bear arms and make arrests and whose primary responsibility is the prevention and detection of crime or the enforcement of the penal, criminal, traffic, boating, or highway laws of the State. Duties may include wildlife and environmental protection and enforcement. Covered occupations include: investigators, inspectors, state park patrol officers, and public defender investigators.

C. Pilots ($50.02) : Employees of the state who are vested with the authority to bear arms and make arrests; and whose primary responsibility is the prevention and detection of crime or the enforcement of the penal, criminal laws of the state. This classification includes employees who are certified by the Federal Aviation Agency and have been approved as state pilots.

D. Reserve, Volunteer, or Auxiliary Law Enforcement Officers ($11.01) : Individuals appointed without compensation, who aid or assist a full-time or part-time law enforcement officers and who, while under the direct supervision of full-time or part-time law enforcement officers, have the authority to arrest and perform law enforcement functions.

E. Patrol Officers ($11.08) : Employees of the state who are vested with the authority to bear arms and make arrests and whose primary responsibility is the prevention and detection of crime or the enforcement of the penal, criminal, traffic, or highway laws of the State while on the premises of a school or university.

F. Firefighter ($21.67) : Employees of the state whose primary responsibility is the prevention and extinguishment of fires, the protection of life and property therefrom, the enforcement of state fire prevention codes, and the enforcement of any law pertaining to the prevention and control of fires.

G. Militia ($1.82/day) : Active military service of the state.

H. Certified Correctional Officers, Security Officers, Bailiffs, or Process Servers ($11.01) : Employees of the state whose primary responsibility is the protection of personnel, visitors, and facilities or the supervision, protection, care, custody, control, or investigation of inmates within a correctional institution or of persons who are charged with, suspected of committing, or have been convicted of a crime.

I. Trainers ($5.42) : Employees of the state who are vested with authority to bear arms and make arrests and whose primary responsibility is law enforcement training or other clerical functions.

 Accidental Death & Disability Beneficiary Form (Adobe PDF Document 15.63 KB)

 Accidental Death & Dismemberment Claim Form (Adobe PDF Document 58.20 KB)

  

Contact Information

Please direct any questions regarding the insurance coverage program to Jill Soderberg at jill.soderberg@dms.myflorida.com.