Carroll County FOP LODGE 20
359 Manchester Rd.
Westminster, MD 21157
ACCIDENTAL DEATH PLAN
All Members in Good Standing are Insured
$10,000 Accidental Death benefit is 24 hour coverage - business or pleasure. This benefit pays when a member dies from a covered accidental bodily injury that is independent of all other causes.
$10,000 Line of Duty benefit is defined as a “covered activity” and will pay in addition to the Accidental Death benefit when a member is killed while performing law enforcement duties.
$10,000 Felonious Assaultbenefit is paid in addition to the Accidental Death and Line of Duty Benefits when a member’s loss of life results from use of force equivalent to a felony under the jurisdiction in which the line of duty accident occurred.
Additional Benefits are paid when a member is involved in an accident that directly results in one of the following losses:
Loss of Speech$ 5,000
Loss of Hearing (both ears)$ 5,000
Reattachment of Hand or Foot$ 5,000
Loss of hands or feet $10,000
Loss of hand or foot $ 5,000
Loss Thumb and Index Finger$ 2,500of Same Hand
Loss of sight, both eyes $10,000
Loss of sight, one eye $ 5,000
Quadriplegia $10,000
Paraplegia $ 7,500
Hemiplegia $ 5,000
Uniplegia $ 2,500
Seat Belt benefit pays in addition to other applicable benefits if a member is killed as a result of an automobile accident while properly utilizing a seat belt, as evidenced by a police report.
Occupant Protection Device benefit pays in addition to other applicable benefits if a member is killed as a result of an automobile accident while protected by a properly deployed air bag. This benefit is only paid if the Seat Belt benefit is payable.
Common Carrier benefit is paid in addition to the Accidental Death Benefit if a member is killed while riding on a qualifying land, air, or water transportation.