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904-887-2187-North Region

352-454-7555- South Region

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NO CANCER COVERAGE YET?

INSTANTLY COMPLY WITH SB 426 REGULATIONS!

  1. Get a quote- We submit a 1-page application for your department. We will also provide a proposal outlining the Statutory Coverage.
  2. Secure your coverage- Sign and return either Letter of Intent (from the proposal) or application. We will provide an invoice and policy.
  3. File a claim- Send in claims form. Authority Having Jurisdiction (AHJ) will attest to the eligibility.
  4. Renewals- Renewal Questionnaires will be sent out 90 days prior to renewal and will simply ask for the number of insureds. 

Who is covered?

The new mandate covers the following:

  • Currently an active member
  • Has served as a full-time firefighter within a fire department or public safety department for at least 5 years.
    • With VFIS, full time Firefighters are covered from day 1!
  • Has “the primary responsibility of preventing and distinguishing fires, protecting life and property, and enforcing municipal, county, and state fire prevention codes and laws pertaining to the prevention and control of fires” (§ 112.1816(1)(c).
  • Has not used tobacco products for at least the previous last 5 years.
    • With VFIS, tobacco users are covered, and at no additional cost!
  • Has not been employed in any other position in the past 5 years which is proven to create a higher risk for any cancer (this point is further clarified in the statute and below) SB 426 was passed in Florida, and generally pertains to any full-time, career firefighters who meet the following criteria.
    • With VFIS, all full time firefighters are covered!

Protecting your Firefighters

The new Florida law now provides comprehensive cancer coverage for all full time firefighters. The bill provides the following cancer coverage:

Bladder cancer* Brain cancer *Breast cancer *Cervical cancer *Colon cancer, Esophageal cancer *Invasive skin cancer *Kidney cancer *Large intestinal cancer *Lung cancer *Malignant melanoma *Mesothelioma *Multiple myeloma *Non-Hodgkins lymphoma *Oral cavity and pharynx cancer *Ovarian cancer *Prostate cancer *Rectal cancer *Stomach cancer *Testicular cancer and Thyroid cancer

Serving First Responders Since 1969

Comparing Firefighter Benefit Plans-Florida SB 426

Benefits Provider

VFIS

FMIT AFLAC
State of Florida Approved

(as of 7/29/19)

Yes

No Yes
Covers full time firefighter with less than 5 years employment

Yes

No No
Provides 75k Accidental death/LOD policy

Yes

No No
Provides coverage for tobacco use

Yes

No No
Provides mandatory 25k diagnosis benefit

Yes

Yes Yes
Provides 10 year post employment coverage

Yes

Yes Yes
Coverage for 21 designated cancers

Yes

Yes Yes
Guaranteed Issue

Yes

Yes Yes
Covers pre-existing cancers

Yes

Yes Yes
Can be sold and serviced by third party

Yes

No Yes

Contact Us!

904-541-8257- North Region

352-454-7555- South Region

Facebook@FFLivingBenefits

*FMIT offered through the League of Cities

For more information in SB 246, please visit: https://www.flsenate.gov/Session/Bill/2019/00426