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You protect them, who protects you?
The Northern Branch of the New Zealand Professional
Firefighters Union are pleased to present all members the UNITED
FIREFIGHTERS PERSONAL ACCIDENT PROTECTION PLAN. This plan evolved in
response to our needs for financial compensation following an
accident and offers 24-hour protection against both short and
long-term disabilities.
The UNITED Plan was established over 20 years ago and has provided
financial assistance to hundreds of union members during this time.
It is the wish of the Northern Branch executive that this form of
private Personal Accident Protection cover always be available.
The original plan is to continue and has now been reviewed. We are
pleased to be able to report to existing members that not only have
we achieved increased policy coverage in the form of fewer
exclusions and wider Accident definitions, but also an overall
reduction in premium. These lower premiums are available immediately
to existing Plan members on completion of a new application form.
We urge all members to seriously consider the many benefits the
United Plan offers, especially now that changes to ACC have been
made (deletion of lump sum settlements).
The Northern Branch executive is committed to providing for the
needs of its members and is available at all times to answer queries
and assist on any welfare matters.
The option is yours.
The United plan provides financial compensation in the
unfortunate event of you being unable to carry on your usual
duties due to a personal accident. Lump Sum benefits are payable
for Death or Permanent Disability while a per shift benefit is
payable (up to 2 years) for Temporary Disability lasting more than
seven days.
Because incomes differ it is important to be able to choose the
level of protection you personally require; three simple options
combining both lump sum and shift allowances are outlined, with
increases to these benefits available on request.
The following schedule shows events insured and benefits payable:
|
Schedule of Insured Events and Benefits |
|
Insured Events (Lump Sum Benefits) |
Benefit as a % of $25,000 |
|
1. Death |
100% |
|
2. Permanent Total Disablement |
100% |
|
3. Permanent and incurable paralysis of all
limbs |
100% |
|
4. Permanent Loss of sight of both eyes |
100% |
|
5. Permanent Loss of sight of one eye |
100% |
|
6. Permanent Total Loss of use of 2 limbs |
100% |
|
7. Permanent Total Loss of use of 1 limb |
|
8. Permanent Total Loss of hearing in
a) both ears
b) one ear |
75%
15% |
|
9. Permanent Total Loss of the lens in one eye |
50% |
|
10. Permanent Total Loss of use of 4 fingers &
thumb |
40% |
|
11. Permanent Total Loss of use of 4 fingers
(either hand) |
40% |
12. Permanent Total Loss of use of one thumb
a) both joints
b) one joint |
30%
15% |
13. Permanent Total Loss of use of fingers of
either hand
a) three joints
b) two joints
c) one joint |
10%
7.5%
5% |
14. Permanent Total Loss of use of toes of
either foot
a) all - one foot
b) great - both joints
c) great - one joint |
15%
5%
3% |
|
15. Fractured leg or patella with established
non-union |
10% |
|
16. Shortening of a leg by at least 5cm |
7.5% |
| |
|
|
Shift Allowance |
|
17. Total Disablement from engaging in or
attending to usual duties for not less than 7 DAYS |
Shift allowance as defined for a period not
exceeding 104 weeks. |
- This schedule to be read in conjunction with the master
policy.
Rating Guide
| Option (1) |
$25,000 Death and schedule
benefits (1-16) plus $20 per shift Accident allowance (17)
Fortnightly premium $7.30 |
| Option (2) |
$25,000 Death and schedule
benefits (1-16) plus $40 per shift Accident allowance (17)
Fortnightly premium $9.95 |
| Option (3) |
$25,000 Death and schedule
benefits
(1-16) plus $60 per shift Accident allowance (17)
Fortnightly premium $12.60 |
Definitions
DISABLEMENT shall mean Bodily
injury caused by violent accidental external and visible means
which shall independently of any other cause be the sole and
direct cause of either of the insured Events described in the
schedule occurring within 12 months of the occurrence of such
injury. The inhalation of smoke, fumes, gases and toxic substances
shall be considered as Disablement.
PERMANENT shall mean a condition that has lasted 52 weeks
and on the basis of proper medical advice has no reasonable
likelihood of significant improvement.
SHIFT ALLOWANCE
Based on:
Black Watch – 5 shifts on/2 shifts
off
Yellow Watch – 4 shifts on/3 shifts off
Blue, Red, Brown, Green Watches – 4 shifts on/4shifts off
Main Exclusions
No benefit shall be payable under
this policy for Death or Disablement resulting from:
(a) Venereal Disease, AIDS or other STDs
(b) Suicide or intentional self-injury
(c) Medical or surgical treatment
or
(d) Air travel other than as a passenger in a licensed aircraft
(e) Insanity or mental illness
(f) Engaging in illegal or criminal acts
(g) Engaging in any sport as a professional, mountaineering or
speleology, bungy jumping, parachuting, hang-gliding or
competitive motor racing of any kind
(h) Being under the influence of intoxicating liquor or drugs
Simply choose the option which best
your needs (increased benefits are available on request).
Contact the
NZPFU Auckland Office and
complete the proposal and Pay Deduction Authority forms.
These need to be delivered to the
Union’s Auckland office.
All premiums are payable fortnightly.
Cover will start as from the date of your first fortnightly
deduction; a policy certificate confirming acceptance will be
issued to you shortly after.
All applications are subject to the
underwriters acceptance and must be on the required proposal.
The UNITED Personal Accident
Protection Plan is the property of the NZPFU (Northern Branch) and
is available only to NPFU members.
ROYAL INSURANCE, Consumer Insurance Specialists Division,
Auckland, is Underwriter of the UNITED plan and is responsible for
direct payment collection, Policy issuance and claim settlements.
However, all enquiries should be directed to either BENTON & POWER
LTD. Or the NZPFU Northern Branch.
BENTON & POWER LTD. are Fire & General insurance brokers. They
were appointed to carry out the 1992 review and will continue to
maintain and promote the UNITED plan to all union members in
association with the NZPFU.
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:: Commonly Asked Questions |
How do I claim?
Simply notify the union office or Benton & Power who will send you
a claim form. All claims should be notified immediately to ensure
prompt claim settlements.
Is ILLNESS cover available?
Yes, but because of the various options available details could
not be included on this web site. Please contact Benton & Power
for details of UNITED illness protection.
What about my other insurance’s?
Contact Benton & Power for competitive quotations on all your
insurance needs – including House & Contents, Cars and Boats.
Contact:
NZPFU Northern Branch
Or
BENTON & POWER LTD.
Phone: (09) 486-6793
Fax: (09) 486-6794
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