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Firefighter Accident Insurance Program

Coverage for Fire and Rescue EMT Personnel

CIRMA's Firefighter Accident Insurance program provides accident benefits over and above statutory Workers' Compensation benefits. All CIRMA Workers' Compensation pool member emergency volunteers and paid firefighters, EMTs, trainees, and auxiliary personnel, even deputized bystanders, are covered under this premier program.

In addition, members of boards of directors or trustees of emergency organizations are covered under the program. Coverage is also provided for "Good Samaritans" while they are assisting a fire service organization. CIRMA's Firefighter Accident Insurance Program is provided at no additional direct cost by CIRMA to its Workers' Compensation Pool members' fire and rescue volunteers. Download coverage flyer.

Death Benefits

Although the chance of an accidental death is actually very small, emergency responders feel secure knowing that their families will be provided for under this program. Beneficiaries receive a full $200,000 for a death resulting from an accident or from a covered illness contracted on duty. Up to $50,000 of the death benefit payment may be accelerated for a person diagnosed with a terminal condition. A seat belt benefit provides an additional $20,000 if the insured is killed while wearing a seat belt.

Living Benefits

Because accidents are much more likely to result in an injury, CIRMA's program provides a range of innovative and comprehensive benefits that will see the injured firefighter or EMT through recovery and rehabilitation.

  • Insureds receive lump-sum benefits for loss of limb or other extremity, paralysis, and other permanent impairments, up to $200,000.

  • Permanent disability benefit is payable in a lump sum of $75,000.

  • Families of insured burn patients will also receive up to $5,000 for travel expenses related to the hospitalization.

The program features automatic cost-of-living adjustments that are calculated annually, protecting insureds and their families from inflation.

Accident Medical Expense Benefits

CIRMA's program pays medical expenses that are not otherwise covered by a Workers' Compensation policy. Unlike some other policies, coverage includes cosmetic reconstructive surgery for burns up to $200,000 -- no matter the location on the body.

After the injury

The program's disability coverage provides hospital indemnity, educational benefits, home and auto modification, and Beneficiary Assist(R) benefits.

To File a Claim

To file a claim, first download the appropriate form* (see below). Next, complete and submit the VFA claim form. Completed forms may be submitted by mail, email or by fax.

Claim for MEDICAL Expense Benefits   - or -   Claim for DISABILITY Benefits

Submit claims by MAIL to:  Connecticut Interlocal Risk Management Agency (CIRMA), 545 Long Wharf Drive, 8th Floor, New Haven, CT 06511  Attn: H&H Benefits Dept.

Submit claims by EMAIL to: wc_fax@ccm-ct.org

Submit claims by FAX to: 203.773.8134

(*Note: The PDF forms may not display properly on some later versions of FireFox. Please use either IE, Chrome, or Safari).

Please Note:
All coverages are subject to the terms and conditions of the policy. CIRMA endeavors to accurately describe the benefits of this coverage in its literature.
Please contact your CIRMA Underwriter for more information about the program.



 

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CONNECTICUT INTERLOCAL RISK MANAGEMENT AGENCY
545 Long Wharf Drive, 8th Floor | New Haven, CT 06511-5950 | 203-946-3700

 

 

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