Death & Disability Benefits Information

Death & Disability Death & Disability Benefits InformationBenefits Information

Interactive presentation developed by Interactive presentation developed by Fort Lauderdale Professional Fort Lauderdale Professional

Firefighters-Local 765Firefighters-Local 765Research & Compilation by Research & Compilation by

FF Dan MoranFF Dan Moran

Table of ContentsTable of Contents

► Fort Lauderdale Police & Fire PensionFort Lauderdale Police & Fire Pension► Social SecuritySocial Security► State of FloridaState of Florida► Florida State StatutesFlorida State Statutes► Veterans BenefitsVeterans Benefits► Public Safety Officers Benefit ActPublic Safety Officers Benefit Act► Broward County Council of Professional FirefightersBroward County Council of Professional Firefighters► Deferred CompensationDeferred Compensation► Supplemental InsuranceSupplemental Insurance► Important InformationImportant Information► Contact InformationContact Information► Special ConsiderationSpecial Consideration

Fort Lauderdale Police & Fire Fort Lauderdale Police & Fire PensionPension

►http://www.ftlaudpfpension.com/http://www.ftlaudpfpension.com/►This website has all the information on This website has all the information on

our pension and DROP plan. There are our pension and DROP plan. There are two beneficiary forms that each two beneficiary forms that each member must fill out: member must fill out: Non-Service Incurred Death Benefit Non-Service Incurred Death Benefit Service Incurred Death BenefitService Incurred Death Benefit


► 175 Monies175 Monies A letter was sent to each member dated 2/15/06 stating A letter was sent to each member dated 2/15/06 stating

the reality of the 175 monies the reality of the 175 monies This money is available as a benefit after 10 years of This money is available as a benefit after 10 years of

service and is only accessible after separation from the service and is only accessible after separation from the Fire Department by whatever meansFire Department by whatever means

Along with the letter there was an attached form that Along with the letter there was an attached form that shows the Individual Share Account Statementshows the Individual Share Account Statement

A beneficiary form must be filled out for this as well. It is A beneficiary form must be filled out for this as well. It is from the City of Ft. Lauderdale Police and Fire Retirement from the City of Ft. Lauderdale Police and Fire Retirement System entitled System entitled Designation of Beneficiary Share Plan (175 Designation of Beneficiary Share Plan (175 Fund) Fund)

These three documents need to be kept on file: the letter, These three documents need to be kept on file: the letter, the statement, and beneficiary form the statement, and beneficiary form


►Ft. Lauderdale Firefighter's Insurance Ft. Lauderdale Firefighter's Insurance Trust Trust

►The Information for the Trust can be The Information for the Trust can be found on the Local 765 website under found on the Local 765 website under the Good & Welfare section at: the Good & Welfare section at: http://www.iafflocal765.com/index.cfm?sehttp://www.iafflocal765.com/index.cfm?se

ction=1ction=1►The The Death Beneficiary FormDeath Beneficiary Form is the most critical is the most critical

form in terms of the Insurance Trustform in terms of the Insurance Trust

Social SecuritySocial Security

► www.ssa.govwww.ssa.gov The phone number for Social Security is 1-800-The phone number for Social Security is 1-800-

772-1213772-1213 All applications and instructions for benefit forms All applications and instructions for benefit forms

can be downloaded on line as wellcan be downloaded on line as well Some publications that are important to know Some publications that are important to know

about are on Disability Benefits, Death Benefits (a about are on Disability Benefits, Death Benefits (a lump sum of $255 paid to surviving spouse or lump sum of $255 paid to surviving spouse or child), Survivor Benefits, Understanding the child), Survivor Benefits, Understanding the Benefits, Benefits for Children with Disabilities, Benefits, Benefits for Children with Disabilities, Supplemental Security Income (SSI), Retirement Supplemental Security Income (SSI), Retirement Benefits, and Benefits for Children Benefits, and Benefits for Children

State of FloridaState of Florida

►www.firehero.orgwww.firehero.org This is the website for the National Fallen This is the website for the National Fallen

Firefighters Foundation. Here a member Firefighters Foundation. Here a member can check out the benefits available from can check out the benefits available from the State of Florida. Click on Benefits, the State of Florida. Click on Benefits, then click on Find Your State, select then click on Find Your State, select Florida and you will be rerouted to the Florida and you will be rerouted to the appropriate pageappropriate page

State of Florida State of Florida

Highlights from here are: A one-time death Highlights from here are: A one-time death benefit of $50,000 for accidental death in benefit of $50,000 for accidental death in performance of duties. An additional performance of duties. An additional $50,000 if death occurs for what is believed $50,000 if death occurs for what is believed to be an emergency involving the protection to be an emergency involving the protection of life or property. An additional $50,000 if a of life or property. An additional $50,000 if a firefighter engaged in duties is unlawfully firefighter engaged in duties is unlawfully and intentionally killed as a result of fire and intentionally killed as a result of fire determined to be arson, or subsequently determined to be arson, or subsequently dies as a result of injuries sustained in either dies as a result of injuries sustained in either of these types of incidents, the total benefit of these types of incidents, the total benefit can be up to $150,000can be up to $150,000

State of Florida State of Florida

Contact:Contact: Florida State Fire Marshal, 200 Florida State Fire Marshal, 200 East Gaines Street, Tallahassee, FL 32399-East Gaines Street, Tallahassee, FL 32399-0340 --- (850) 922-3170 0340 --- (850) 922-3170

www.fldfs.com/sfm/www.fldfs.com/sfm/


►Workman’s CompensationWorkman’s Compensation Benefit is 50% of average weekly wage to Benefit is 50% of average weekly wage to

spouse 16 2/3% additional if there are spouse 16 2/3% additional if there are dependent children. Spouse receives lump dependent children. Spouse receives lump sum compensation equal to 26 weeks sum compensation equal to 26 weeks upon remarriage and weekly benefits upon remarriage and weekly benefits cease. Children receive benefit longer if cease. Children receive benefit longer if disabled and incapable of self-support and disabled and incapable of self-support and until age 22 if full-time student. If there is until age 22 if full-time student. If there is no spouse, each child receives 33 1/3%. no spouse, each child receives 33 1/3%.


► Workman’s Compensation cont.Workman’s Compensation cont. Under certain conditions, off-duty firefighters or firefighters Under certain conditions, off-duty firefighters or firefighters

outside their employer's jurisdiction or area of outside their employer's jurisdiction or area of responsibility may be covered under the state's workers' responsibility may be covered under the state's workers' compensation. This coverage may be applicable if a compensation. This coverage may be applicable if a firefighter is engaged in extinguishing a fire or protecting firefighter is engaged in extinguishing a fire or protecting and saving life or property due to a fire during an and saving life or property due to a fire during an emergency, and such activities would be considered to be emergency, and such activities would be considered to be within the course of his or her employment as a firefighter within the course of his or her employment as a firefighter and covered by workers' compensation. Similar coverage and covered by workers' compensation. Similar coverage applies to fulltime emergency medical technicians and applies to fulltime emergency medical technicians and paramedics who provide basic life support or advanced life paramedics who provide basic life support or advanced life support services. This would not apply to a firefighter support services. This would not apply to a firefighter performing activities for which he or she is paid by another performing activities for which he or she is paid by another employer or contractor. employer or contractor.


►Workman’s Compensation cont.Workman’s Compensation cont. Contact:Contact: Florida Department of Financial Florida Department of Financial

Services, Division of Workers' Services, Division of Workers' Compensation, 200 East Gaines Street, Compensation, 200 East Gaines Street, Tallahassee, FL 32399-4228 --- (800) 742-Tallahassee, FL 32399-4228 --- (800) 742-2214 or (850) 413-1601 2214 or (850) 413-1601


►Funeral ExpensesFuneral Expenses Maximum of up to $7,500 for burial Maximum of up to $7,500 for burial

expenses. expenses. Contact:Contact: Division of Workers' Division of Workers'

Compensation, as listed in previous slide. Compensation, as listed in previous slide.


► Children’s Educational BenefitChildren’s Educational Benefit Education fees waived for dependent children of Education fees waived for dependent children of

firefighters killed in emergency response or in firefighters killed in emergency response or in arson fire. Children seeking an undergraduate arson fire. Children seeking an undergraduate education, vocational-technical certificate, or a education, vocational-technical certificate, or a post-graduate degree will have the cost of post-graduate degree will have the cost of tuition, matriculation and other statutorily tuition, matriculation and other statutorily authorized fees waived. May attend a state authorized fees waived. May attend a state community college, state university, or a community college, state university, or a vocational-technical school, full- or part-time for vocational-technical school, full- or part-time for up to 120 credit hours. Children eligible until age up to 120 credit hours. Children eligible until age 25 for undergraduate or vocational study and up 25 for undergraduate or vocational study and up to age 29 for post-graduate programs to age 29 for post-graduate programs


►Children’s Educational BenefitChildren’s Educational Benefit

Contact:Contact: Florida Department of Florida Department of Education, Office of the Commissioner, Education, Office of the Commissioner, Turlington Building, Suite 1514, 325 West Turlington Building, Suite 1514, 325 West Gaines Street, Tallahassee FL 32399 --- Gaines Street, Tallahassee FL 32399 --- (850) 245-0505 --- (850) 245-0505 --- www.fldoe.orgwww.fldoe.org


►Spousal Educational BenefitSpousal Educational Benefit

Same as listed above for children except Same as listed above for children except no age cap. However, spouse must start no age cap. However, spouse must start education benefits within seven years education benefits within seven years after the firefighter's death. after the firefighter's death.

Florida State StatutesFlorida State Statutes

► 112.18---provisions relative to disability. It states 112.18---provisions relative to disability. It states how TB, heart disease and hypertension are how TB, heart disease and hypertension are considered line of dutyconsidered line of duty

► 112.181---provisions relative to certain 112.181---provisions relative to certain communicable diseases. This one includes Hepatitis communicable diseases. This one includes Hepatitis and Meningitis as line of duty unless proven and Meningitis as line of duty unless proven otherwise. It also states that all of these diseases otherwise. It also states that all of these diseases and conditions are not to be considered line of duty and conditions are not to be considered line of duty for people employed elsewhere by a hospital or any for people employed elsewhere by a hospital or any facility that operates in the same capacity. That facility that operates in the same capacity. That means all these members that have side jobs in ERs means all these members that have side jobs in ERs or Dr offices would not be covered by the state or Dr offices would not be covered by the state


►112.191---death benefits. This just 112.191---death benefits. This just talks more about the payouts listed talks more about the payouts listed above, the $50,000, and additional above, the $50,000, and additional $50,000, and the $150,000 for $50,000, and the $150,000 for unlawful and intentional deaths unlawful and intentional deaths


► 440.15 Compensation for Disability:440.15 Compensation for Disability: Permanent Total Disability--66 2/3 % of average Permanent Total Disability--66 2/3 % of average

weekly wages for duration of disabilityweekly wages for duration of disability Temporary Total Disability--66 2/3 % of average Temporary Total Disability--66 2/3 % of average

weekly wages not to exceed 104 weeks weekly wages not to exceed 104 weeks Once you reach the maximum amount of weeks Once you reach the maximum amount of weeks

allowed or the date of maximum medical allowed or the date of maximum medical improvement, the temporary disability benefits improvement, the temporary disability benefits cease and the injured worker's permanent cease and the injured worker's permanent impairment is to be determined by a three member impairment is to be determined by a three member panel and payment rates are set in accordance with panel and payment rates are set in accordance with a uniform permanent impairment rating a uniform permanent impairment rating


►Temporary Partial Disability--read the Temporary Partial Disability--read the statute for all the information, but it statute for all the information, but it basically says the same as the others, basically says the same as the others, 66 2/3 % 66 2/3 %


► 440.16 Compensation for Death:440.16 Compensation for Death: funeral expenses not to exceed $7,500funeral expenses not to exceed $7,500 payment to spouse with no child--50% of payment to spouse with no child--50% of

average weekly wages until a total of average weekly wages until a total of $150,000 is received$150,000 is received

if the spouse dies, 33 1/3 % goes to each if the spouse dies, 33 1/3 % goes to each child until a total of $150,000 is received child until a total of $150,000 is received


►440.16 Compensation for Death cont.440.16 Compensation for Death cont. if the spouse remarries, a lump sum equal to if the spouse remarries, a lump sum equal to

26 weeks of compensation at a rate of 50% 26 weeks of compensation at a rate of 50% of average weekly wages, unless $150,000 of average weekly wages, unless $150,000 would be exceeded, in that case a lump sum would be exceeded, in that case a lump sum equal to the remaining benefits is paidequal to the remaining benefits is paid

the acceptance of a lump sum by a surviving the acceptance of a lump sum by a surviving spouse does not affect the payment of spouse does not affect the payment of benefits to remaining dependents benefits to remaining dependents


► 440.16 Compensation for Death cont.440.16 Compensation for Death cont. payment to the parents is 25% if worker is a payment to the parents is 25% if worker is a

dependent, and payment is made for dependent, and payment is made for continuance of dependency continuance of dependency

the brother, sister, or grandchild the payment is the brother, sister, or grandchild the payment is 15% to each one 15% to each one

there's also an education benefit for the there's also an education benefit for the surviving spouse in the amount of 1800 surviving spouse in the amount of 1800 classroom hours or 80 semesters at certain classroom hours or 80 semesters at certain career centers, check out the full statute for career centers, check out the full statute for more info more info


►We suggest checking out the whole We suggest checking out the whole worker's compensation statute for worker's compensation statute for complete information. It can be found complete information. It can be found under under Title XXXI-LaborTitle XXXI-Labor at at www.leg.state.fl.uswww.leg.state.fl.us along with all other along with all other state statutesstate statutes

Veterans BenefitsVeterans Benefits

►There are also VA benefits for There are also VA benefits for surviving spouses and children. surviving spouses and children. www.va.gov has all the information. www.va.gov has all the information. Just look for the benefits link on the Just look for the benefits link on the left side of the page. There are left side of the page. There are extensive benefits available to extensive benefits available to veterans including education, veterans including education, insurances, compensation, survivor insurances, compensation, survivor benefits and burial benefits benefits and burial benefits

Public Safety Officers Benefit Public Safety Officers Benefit ActAct

►The PSOBA provides a The PSOBA provides a death benefitdeath benefit in in the form of a one-time financial the form of a one-time financial payment to the eligible survivors of payment to the eligible survivors of public safety officers (firefighters) public safety officers (firefighters) whose deaths are the direct result of a whose deaths are the direct result of a traumatic injury sustained in the line traumatic injury sustained in the line of duty of duty http://www.ojp.usdoj.gov/BJA/grant/psob/http://www.ojp.usdoj.gov/BJA/grant/psob/

psob_main.html psob_main.html

PSOBAPSOBA

► The PSOBA was then amended in 2003 by the The PSOBA was then amended in 2003 by the Hometown Heroes Survivors Benefits Act to Hometown Heroes Survivors Benefits Act to include heart attacks and stokes that occur include heart attacks and stokes that occur while on duty or no later than 24 hours after while on duty or no later than 24 hours after duty to be considered as a line of duty death duty to be considered as a line of duty death

► As of 10/1/05, the benefit amount is $283,385. As of 10/1/05, the benefit amount is $283,385. Since 1988, the benefit amount has been Since 1988, the benefit amount has been adjusted each year to reflect the percentage adjusted each year to reflect the percentage of change in the Consumer Price Index of change in the Consumer Price Index

PSOBAPSOBA

►The PSOBA also provides The PSOBA also provides disability disability benefitsbenefits for members who become for members who become permanently and totally disabled by a permanently and totally disabled by a catastrophic injury sustained in the line catastrophic injury sustained in the line of duty of duty

►This program also provides This program also provides educational educational assistanceassistance for the spouses and children for the spouses and children of public safety officers who become of public safety officers who become disabled or killed in the line of duty disabled or killed in the line of duty

PSOBAPSOBA

►More information on this legislature can be More information on this legislature can be found at www.iaff.org. Click on Stay Safe found at www.iaff.org. Click on Stay Safe link, then Line of Duty Deaths link, then Line of Duty Deaths

► The PSOBA fact sheet link is at the bottom The PSOBA fact sheet link is at the bottom of the page of the page

► President Bush signed the Fallen Hero President Bush signed the Fallen Hero Survivor Benefits Act of 2001. This is a Survivor Benefits Act of 2001. This is a Federal Tax Exemption for Line of Duty Federal Tax Exemption for Line of Duty Death Annuities. It is (public law) P.L. 107-15 Death Annuities. It is (public law) P.L. 107-15

PSOBAPSOBA

► There are four other educational assistance There are four other educational assistance programs in conjunction with the PSOBA programs in conjunction with the PSOBA

► 1) 1) W.H. "Howie" McClennan ScholarshipW.H. "Howie" McClennan Scholarship: For : For children/step-children of firefighters who die children/step-children of firefighters who die in the line of duty. The scholarship is for in the line of duty. The scholarship is for $2,500/year. Members can check out $2,500/year. Members can check out www.iaff.org for more information. Click on www.iaff.org for more information. Click on Virtual Academy, then Scholarships and you Virtual Academy, then Scholarships and you will see the McClennan Scholarship link will see the McClennan Scholarship link

PSOBAPSOBA

► 2) 2) Sarbanes ScholarshipSarbanes Scholarship: For spouses, children, step-: For spouses, children, step-children of fallen firefighters. Members can check out children of fallen firefighters. Members can check out www.nvfc.org/news/hn_sarbanes_scholarship.html for www.nvfc.org/news/hn_sarbanes_scholarship.html for more information more information

► 3) 3) Broward County Hundred Club ScholarshipBroward County Hundred Club Scholarship: This club : This club is made up of a group of people who care about law is made up of a group of people who care about law enforcement officers and firefighters. They are a non enforcement officers and firefighters. They are a non profit organization. They have scholarships available to profit organization. They have scholarships available to UF, FSU, and BCC. They also provide an initial payment UF, FSU, and BCC. They also provide an initial payment to an affected family immediately following a to an affected family immediately following a catastrophic injury or death. Then, the case is reviewed catastrophic injury or death. Then, the case is reviewed by the board for possible future financial assistance. by the board for possible future financial assistance. This site can be reached at: This site can be reached at: http://www.geocities.com/broward100club/http://www.geocities.com/broward100club/

PSOBAPSOBA

►4) 4) State of FloridaState of Florida: See the section : See the section highlighted highlighted Benefits from the State of Benefits from the State of FloridaFlorida

Broward County Council of Broward County Council of Professional FirefightersProfessional Firefighters

►No-CostNo-Cost Accidental Death and Accidental Death and Dismemberment Policy available to all Dismemberment Policy available to all members providing a benefit of $2,000members providing a benefit of $2,000

► For a member needing a new form, they can For a member needing a new form, they can call the BCCPFF office, 954-797-6767 and call the BCCPFF office, 954-797-6767 and ask for it, or go to ask for it, or go to www.ailife.com/benefits/SGHIQ and fill it out www.ailife.com/benefits/SGHIQ and fill it out online online

► County Council Website: County Council Website: http://www.bccpff.org/index.cfm?section=1http://www.bccpff.org/index.cfm?section=1

Deferred CompensationDeferred Compensation

► ICMA or Nationwide. The members should ICMA or Nationwide. The members should be encouraged, if they haven't already, to be encouraged, if they haven't already, to switch into Nationwide. The basic reason switch into Nationwide. The basic reason without getting too involved is that without getting too involved is that Nationwide is a pro-union organization Nationwide is a pro-union organization and is supported by the IAFF and is supported by the IAFF

►Contact info: Al Pinzon @ 954-424-9220 Contact info: Al Pinzon @ 954-424-9220 ►Nationwide's website is www.nrsforu.com Nationwide's website is www.nrsforu.com

Supplemental InsuranceSupplemental Insurance

►There are two offered through the City There are two offered through the City of Ft. Lauderdale: Colonial and of Ft. Lauderdale: Colonial and Hartford Hartford

► Information can be obtained from the Information can be obtained from the Employee Benefits Office, 954-828-Employee Benefits Office, 954-828-5160.5160.

Supplemental InsuranceSupplemental Insurance► www.iaff.org : www.iaff.org : Catastrophe Major Medical InsuranceCatastrophe Major Medical Insurance- this plan - this plan

can help where your basic major medical, hospitalization policy can help where your basic major medical, hospitalization policy and medicare cannot. Benefits include convalescent care, home and medicare cannot. Benefits include convalescent care, home health care and various services. Call Marsh & Company at 1-health care and various services. Call Marsh & Company at 1-800-323-2106. Ask about the IAFF Group Insurance Plan. 800-323-2106. Ask about the IAFF Group Insurance Plan. Request them to send you a brochure and an application. There Request them to send you a brochure and an application. There is a fee for this coverage. If the member should decide to is a fee for this coverage. If the member should decide to purchase coverage, there are two forms to keep on file: the purchase coverage, there are two forms to keep on file: the Summary of BenefitsSummary of Benefits that will be received with the application, that will be received with the application, and a copy of the and a copy of the Beneficiary Designation FormBeneficiary Designation Form. .

► Accidental Death and DismembermentAccidental Death and Dismemberment- this policy covers loss of - this policy covers loss of life and loss of body parts. Call Marsh & Company at the same life and loss of body parts. Call Marsh & Company at the same number above, and ask for the same information on this policy. number above, and ask for the same information on this policy. This is a This is a No-Cost $1,000No-Cost $1,000 coverage. Members also have the coverage. Members also have the option to add to the coverage amount for a fee. Again, the forms option to add to the coverage amount for a fee. Again, the forms to keep on file are the to keep on file are the Summary of BenefitsSummary of Benefits that is received with that is received with the application, and a copy of the the application, and a copy of the Beneficiary Designation FormBeneficiary Designation Form..

Important InformationImportant Information

► In case of emergency, members should be very In case of emergency, members should be very familiar with and have a copy of this on file. familiar with and have a copy of this on file. Specifically, Specifically, Article 18Article 18 of the Collective Bargaining of the Collective Bargaining Agreement for Firefighters deals with sick leave, Agreement for Firefighters deals with sick leave, including unused sick leave. Members should be including unused sick leave. Members should be aware that they can buy back unused sick leave aware that they can buy back unused sick leave from the city on termination from the City in good from the city on termination from the City in good standing and also at retirement. The member will be standing and also at retirement. The member will be paid a higher percentage of the unused sick leave at paid a higher percentage of the unused sick leave at retirement as opposed to leaving in good standing. retirement as opposed to leaving in good standing. Another part of the contract that members should be Another part of the contract that members should be aware of is aware of is Article 34.Article 34. This article deals with how This article deals with how much the City contributes to the Hospitalization much the City contributes to the Hospitalization Insurance Plan.Insurance Plan.

Important InformationImportant Information

► We recommend to place this information in a We recommend to place this information in a fireproof safe along with any other important fireproof safe along with any other important documents that your spouse may need in case of documents that your spouse may need in case of emergency, i.e. other supplemental insurance emergency, i.e. other supplemental insurance information, auto insurance or personal article information, auto insurance or personal article insurance, a list of the monthly bills that have to be insurance, a list of the monthly bills that have to be paid, credit card statements, homeowner's insurance paid, credit card statements, homeowner's insurance policy, flood insurance policy, original warranty deed policy, flood insurance policy, original warranty deed on the house, owner's title insurance policy, living on the house, owner's title insurance policy, living wills, DNRs, marriage certificates, divorce records, wills, DNRs, marriage certificates, divorce records, birth certificates, military certificates, social security birth certificates, military certificates, social security cards, and anything else that can be considered cards, and anything else that can be considered something important to hold onto.something important to hold onto.

Important Contact Important Contact InformationInformation

Fort Lauderdale Professional Firefighters, Local 765Fort Lauderdale Professional Firefighters, Local 765309 ½ Southwest 26309 ½ Southwest 26thth Street StreetFort Lauderdale, Florida, 33315Fort Lauderdale, Florida, 33315Phone: (954) 764-6665Phone: (954) 764-6665Fax: (954) 522-3499Fax: (954) 522-3499Website: Website: www.iafflocal765.comwww.iafflocal765.com

Fort Lauderdale Police & Fire PensionFort Lauderdale Police & Fire Pension888 South Andrews888 South AndrewsFort Lauderdale, Florida, 33301, Suite 202Fort Lauderdale, Florida, 33301, Suite 202Phone: (954) 828-5896Phone: (954) 828-5896Website: www.ftlaudpfpension.com Website: www.ftlaudpfpension.com


Fort Lauderdale Firefighters Insurance Fort Lauderdale Firefighters Insurance Trust Trust

FundFund

309 ½ Southwest 26309 ½ Southwest 26thth Street Street

Fort Lauderdale, Florida, 33315Fort Lauderdale, Florida, 33315

Phone: (954) 764-6665Phone: (954) 764-6665

Fax: (954) 522-3499Fax: (954) 522-3499


Insurance Consultant: Insurance Consultant: Barry CaprettaBarry CaprettaPhone: (954) 815-5859Phone: (954) 815-5859Fax: (561) 627-7416Fax: (561) 627-7416E-Mail: [email protected]: [email protected]

Dental: GuardianDental: GuardianPhone: (800) 890-4774Phone: (800) 890-4774http://www.guardiandental.com.au/index.htmlhttp://www.guardiandental.com.au/index.html

Medical:Medical: Beechstreet: (800) 937-2277Beechstreet: (800) 937-2277http://www.beechstreet.com/http://www.beechstreet.com/

AVMED: (800) 368-9189AVMED: (800) 368-9189http://www.avmed.com/http://www.avmed.com/

Special ConsiderationSpecial Consideration

The Professional Firefighters of Fort The Professional Firefighters of Fort Lauderdale, Local 765 wish to thank Lauderdale, Local 765 wish to thank Firefighter Dan Moran for his tireless Firefighter Dan Moran for his tireless effort in compiling this valuable effort in compiling this valuable information. information.

Death & Disability Benefits Information

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