The Florida Firefighter Cancer Benefit Program, designed by the Florida Municipal Insurance Trust (FMIT), satisfies the lump-sum benefit requirements of the firefighter cancer benefit law (Florida Statute 112.1816) effective July 1, 2019.

FMIT’s Florida Firefighter Cancer Benefit Program helps local government employers of full-time firefighters in several key ways. First, employers can instantly comply with the significant lump-sum benefit requirement of the law and reduce its related financial burden. Through FMIT’s partnership with Chubb Accident & Health, employers are provided a more efficient group purchasing platform and seamless benefit administration. Chubb Accident & Health is a leading provider of innovative accident and health insurance programs and an experienced leader in providing best-in-class cancer plan administration.

Our coverage plan is designed to help provide financial support for eligible firefighters diagnosed with cancer.

Class 1: All eligible Firefighters of the Policyholder as shown on the eligibility roster with Us who meet the Policy’s definition of Firefighter on the date of First Diagnosis.

Class 2: All eligible Fire Investigators of the Policyholder as shown on the eligibility roster with Us who meet the Policy’s definition of Fire Investigator on the date of First Diagnosis.

Class 3: All Firefighters or Fire Investigators of the Policyholder as shown on the eligibility roster on file with Us, who have terminated employment with the Policyholder within the last 10 years, including those persons who qualified as Class 1 or Class 2 at the time the Policy incepted or during the Policy Term and who subsequently terminated their employment with the Policyholder during the Policy Term, and have continued coverage in his or her employer-sponsored health plan or group health insurance trust fund.

Classes 1, 2, & 3:
First Diagnosis Cancer Benefit: $25,000

Cancer Death Benefit: $75,000

Cancer Expense Reimbursement Benefit:
100% of the Insured’s Out-of-Pocket Expenses for Covered Cancer up to $12,000 per Insured 

Florida Firefighter Cancer Benefit FAQs│To learn more, email FFCP@flcities.com.