$20,000.00 - Coverage is 24 hours a day. (Administered by the NCAR&EMS)

The North Carolina Association of Rescue & E.M.S., Inc. is proud to make available an Accidental Death and Dismemberment Plan for all Rescue & E.M.S. workers.

24 Hour / All Risk / Accidental Death and Dismemberment Plan is a highly practical program that provides greater peace-of- mind to Rescue & E.M.S. workers. It gives all eligible persons the security they need and deserve.

$20,000 ACCIDENTAL DEATH AND DISMEMBERMENT PLAN
24 HOURS A DAY - ALL RISKS

Qualifications:

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;
1. 20 years of service as eligible rescue or ems worker
2. 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.

Frequently asked questions:

1. Am I covered on and off duty?

Yes. Whether you are on or off duty, the full $20,000 would be paid if death occurred as a result of an accident.

2. What are the covered activities?

Any activities while on duty or personal time - 24 HOURS A DAY / ALL RISK!

3. What is the Accidental Death and Dismemberment plan?

When, as the result of an injury a member of the Plan suffers any one of the losses listed below, we will pay the applicable benefit. The loss must occur within 365 days of the date of accident which resulted in the injury. The Plan must be in effect for the member at the time of the accident. We will only pay one benefit for any loss. If more than one loss occurs due to the same accident, we will pay the larger amount for any one of the losses.

4. Who is eligible?

All Rescue & E.M.S. workers who are on an eligible department and members of the N.C. Association of Rescue & E.M.S., Inc.

5. Do I have to satisfy any medical requirements?

No. There are no health questions asked.

6. How much does it cost?

There is no cost to any member of the N.C. Association of Rescue & E.M.S., Inc.

7. What will not be covered?

Acts of war and suicide are not covered.

Death Benefit is $5,500.00 which is payable upon death of a member in the fund. (Benefit increases $1,000.00 with each increase in membership of 1,000.) Administered by the NCAR&EMS Benevolent Brotherhood Application

Help us help you! As an Association member you're entitled to belong to the LGFCU. Your VISA debit card will apportion 50% of the merchant transaction fees to the Association. For complete information please follow this link.

Program details:

• Printable Brochure with program details (Adobe PDF format)
• EyeCareCenter Provider Locator
• NCVision Provider Locator
• E-mail contact @ EyeCareCenter

$55 Wellness eye examination - 25% Discount on eyeglasses - off total purchase including upgrades (excludes Budget eyewear) - 25% Discount on sunglasses (unless prohibited by manufacturer) - 20% Discount on contact lenses (excludes disposables) - 10% Discount on 1 year supply of disposables. Just show your Association Membership Card at the time of your doctor's visit to receive your discount.

$200.00 - Member must show evidence to type of natural or man made catastrophe event or proof of monetary loss. Administered by the NCAR&EMS

Qualifications:

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;
1. 20 years of service as eligible rescue or ems worker
2. Disabled
1. Six months for in line of duty
2. Five years for non duty
3. Member must show evidence to type of natural or man made catastrophe event or proof of monetary loss.
4. Payments shall be in the amount of $200.00
5. Complete application must be filed within 90 days.
6. Application shall be made on forms furnished by the NCAR&EMS.
7. 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.

$1000.00 (Administered by the NCAR&EMS)

Qualifications:

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;
1. 20 years of service as eligible rescue or ems worker
2. Disabled
1. six months for in-line-of-duty
2. five years for non-duty
3. Copy of death certificate must be furnished.
4. Payment will not be made until certificate is received.
5. Suicide will not be eligible for benefits for the first two years.
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;
• Natural Death $1000.00

Payment shall be to spouse. The term "spouse" shall mean the wife or husband of the deceased rescue squad or EMS worker. If there be no spouse qualifying, then payment shall be made to any surviving dependent child and if there be more than one surviving dependent child, then said payment shall be made to and equally divided among all surviving children. If there be no spouse and no dependent child or children, then the payment shall be made in equal payments to the dependent parent or parents. If there be no dependent parent or parents, then no benefit will be paid.

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.

$210,000.00 per year-

35....	$4,000.00	scholarships awarded
35....	$2,000.00	scholarships awarded

Applicants must be NCAR&EMS members.  Applications and rules will be on our web-site on January 1st of each year and will remain until March 31st. Applicants must apply by March 31. Administered by the NCAR&EMS. (see the scholarship page for additional details and application forms)

Spouse may choose two (2) or four (4) year school. Two (2) year scholarship shall be $2,000.00. Four (4) year scholarship shall be $12,000.00.*  Administered by the NCAR&EMS. (see the scholarship page for additional details and application forms)

Qualifications:

1. Shall be a NCAR&EMS member whose name name appears on a roster filed by a department who is affiliated with the NCAR&EMS when the in line of duty death occurs.
2. Member must have died in the line of duty.
3. Eligible spouse must make application within two (2) years after the in line of duty death of the eligible member.
4. Spouse may choose two (2) or four (4) year school.
5. Two (2) year scholarship shall be $2,000.00.
6. Four (4) year scholarship shall be $12,000.00.
7. Any spouse attending a two (2) or four (4) year school at the of death of eligible spouse shall be eligible for a pro rata scholarship.
8. Application shall be made on forms furnished by the NCAR&EMS.
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.