Dismemberment Benefits

1. Shall be a NCAR&EMS member whose name appears on a roster filed by a department who is affiliated with the NCAR&EMS. Any member who is dismissed from his or her squad for any reason shall immediately forfeit membership in the NCAR&EMS.
2. Retired members must remain a member of the NCAR&EMS and meet one of the following.
   • a. 20 years of service
     1. as eligible rescue or ems worker
   • b. Disabled
     1. six months for in-line-of-duty
     2. five years for non-duty
3. Coverage is 24 hours a day.
4. Must submit medical documation.
5. Acts of war, self inflicted dismemberments or dismemberments while committing a crime will not be eligible.
6. Complete application must be made within 90 days.
7. Application shall be made on forms furnished by the ncar&ems.
8. Payments shall be as follows.

   Loss of	Benefit
   both hands	$20,000.00
   both feet	$20,000.00
   sight of both eyes	$20,000.00
   one hand and one foot	$20,000.00
   one hand and sight of one eye	$20,000.00
   one foot and sight of one eye	$20,000.00
   one hand	$10,000.00
   one foot	$10,000.00
   sight of one eye	$10,000.00
   finger or toe (each)	$2,000.00

   The total amount payable to any one member for any accidental dismemberment or accidental death shall not be more than the principal sum.

9. No expenditures shall be made unless the board has certified that such expenditures will not render the fund actuarially unsound for the purpose of providing this benefit. If for any reason, funds are unavailable to pay in full this benefit, benefits shall be reduced pro rata for as long as the amount of insufficient funds exists. No claims shall accrue with respect to any amount by which this benefit has been reduced.

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