Accidental Death and Dismemberment

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STATE OF FLORIDA

ACCIDENTAL DEATH AND DISMEMBERMENT

COVERAGE

PROVIDED BY:

HARTFORD INSURANCE COMPANY

This insurance is purchased and administered by the department of management services, division of state purchasing. The outline of coverage shown above is provided as an overview; please refer to the insurance policy for specific information. All questions relating to this policy should be directed to State Purchasing at (850) 487-0417 or Suncom 277-0417.

Covered Personnel

All state law enforcement officers, to include: 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, as certified pursuant to Chapter 943, who serve, process, or attend to 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 112.19, 112.191, and 250.34 of the Florida Statutes.

Insurance Coverage and Limits

A. Current Law Enforcement and Firefighter Death Benefits*

1. $53,999.14 - 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. $53,999.14 - 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. $161,997.42 - 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 an unlawful and intentional act.

*Sums are adjusted annually in accordance with 112.19(j) and 112.191(i) of the Florida Statutes. These sums represent the amounts approved for 2005/2006.

B. Dismemberment & Total Disability – Payable to Florida Highway Patrol Auxiliary for the following categories:

Other Insurance Conditions

• All benefit payments are in addition to any workers’ compensation or pension benefits, and are exempt from the claims and demands of creditors of such Covered Personnel.
• All Covered Personnel killed in the line of duty as a result of an act of violence inflicted by another person while the officer is engaged in the performance of law enforcement duties, or as a result of an assault against the officer under riot conditions, a sum of $1,000 shall be given toward the funeral and burial expenses. Such benefits are in addition to any other benefits which Covered Personnel beneficiaries and dependents are entitled to under the provisions of the Workers’ Compensation Law or any other state or federal statutes.
• The applicable policy limits shall not, upon the occurrence of any covered loss, reduce the policy limit. No policy aggregate shall apply.
• Deductibles will not apply to this policy.
• Coverage shall apply on a world-wide basis and shall consist of all forms of travel related to duties, including travel to and from the Covered Personnel’s residence.
• No aircraft exclusions or limitations will be accepted.
• No watercraft exclusions or limitations will be accepted.

Coverage Categories & Rates

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 ($32,034): Employees of the state who are vested with 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 ($16,055): Employees of the state who are vested with authority to bear arms and make arrests; and whose primary responsibility is the prevention, investigation, 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, state park patrol, and public defender investigations.

C. Pilots ($72,960): Employees of the state who are vested with 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 ($16,055): Individuals appointed without compensation who aid or assist a full-time or part-time law enforcement officer, and who, while under the direct supervision of a full-time or part-time law enforcement officer, has the authority to arrest and perform other law enforcement functions.

E. Patrol Officers ($17,205): Employees of the state who are vested with 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 ($31,616): Employees of the state whose primary responsibilities are the prevention and extinguishing of fires, the protection of life and property there from, the enforcement of state fire prevention codes, and the enforcement of any law pertaining to the prevention and control of fires.

G. Militia ($2,299): Active military personnel in service of the state. This figure is determined by audit upon the expiration of each policy. (Premium and historical loss information is included in Section 4.0 of these solicitation documents.)

H. Certified Correctional Officers, Security Officers, Bailiffs, or Process Servers ($16,055): Employees of the state whose primary responsibility is the protection of personnel, visitors, and facilities; or the investigation, supervision, protection, care, custody, and control of inmates within a correctional institution; or of persons who are charged with, suspected of committing, or convicted of a crime.

I. Trainers ($7,904): Employees of the state whose primary responsibility is law enforcement training, but may include other clerical functions.

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