Benefits Enrollment
3 Ways To Enroll or Review Your Coverage:
Have Questions?
INCOME PROTECTION
A Disability plan helps cover everyday expenses if you become disabled due to an accident or illness. With Disability coverage you can protect your income, avoid using savings or going into debt, and focus on recovery while receiving benefits to support you and your family.
- Disability coverage is available to members between ages 18-70
- Includes 12/12 pre-existing condition provision. If a member has a pre-existing condition that is diagnosed or symptoms occurred in the 12 months prior to the policy effective date, no benefits will be paid for the first 12 months from the policy effective date.
- Coverage terminates at age 70 unless actively at work; then on last day of active employment.
Benefit Amounts:
- $1,500 Flat amount that does not offset with other sources of income
- $2,000 Flat amount that does not offset with other sources of income
HEROES ACCIDENT PLAN
Exclusively for Law Enforcement and their families
- AD&D Benefit: $100,000. Double indemnity if death occurs while on the job, $200,000
- $400 Emergency Room benefit / $600 Ground Ambulance
- $2,000 for hospital admission plus $750 per day hospital confinement
- Additional benefits for X-Ray, CAT scan, surgery, rehab, AD&D
- $100 Annual wellness benefit
HOSPITAL INDEMNITY
- Three plan levels to choose from: $1,000, $1,500, $2,500
- Helps cover the high costs associated with hospital admissions
- Benefits are paid directly to the policy holder, tax-free
- Coverage includes childbirth
- No Pre-Existing Condition Clause
- $50 Annual wellness benefit
CANCER PLAN
- Four plan levels to choose from all include up to $5000 per month for Radiation/Chemotherapy, up to $2000 per month for self-administered drugs
- Daily hospital confinements benefit, surgical benefits and diagnosis benefit is based on selected plan.
- Coverage for 32 other diseases (including ALS, Epilepsy, Lyme Disease, Multiple Sclerosis, Muscular Dystrophy, Sickle Cell)
- ICU rider included! Pays $325 per day up to 45 days if you go into a Hospital Intensive Care Unit.
- No Lifetime Maximum
- $100 Annual wellness benefit
CRITICAL ILLNESS
- First occurrence, additional occurrence, reoccurrence benefit
- Lump-sum benefits available up to $30,000 for Member and Spouse
- Portable with no age benefit reduction or change in premium
- 36 Covered conditions including Cancer, Stroke, Heart attack, Major organ failure, and childhood diseases.
- $75 Annual wellness benefit
Up TO $150,000 IN GUARANTEED ISSUE LIFE INSURANCE
No Physicals, No Bloodwork, No Health Questions
For members up to age 70
UNION COLLEGE BENEFIT
Are you interested in exploring opportunities for professional development or personal growth? Is a family member ready to return to college and chase their dreams? As an FOP union member, you and your entire family are welcome.
The EBS Union College Benefit helps you find the right college and the right degree options that are most important to you.
Our fully online network of union supporting colleges makes it simple to attend class and maintain your busy work life balance, all without having to commute to a brick-and-mortar location.
Ask us about our Union College Benefit
Need help with Self-Enroll?
Watch the video below for simple step-by-step instructions on how to Self-Enroll.