Competitive Firefighter Cancer Program Offered Through ACCG
Effective January 1, 2018, Georgia law requires all legally organized fire departments to provide and maintain specific cancer insurance coverages for all members of the fire department that meet the definition of “firefighter” as defined in Code Section 25-4-2. This would include all full-time, part-time and volunteer firefighters. Subject to eligibility requirements, the Firefighter Cancer Insurance bill, House Bill 146, contains provisions for both a critical illness (lump sum) benefit and a disability (income replacement) benefit.
Since the time of passage, ACCG has been working with insurance industry experts to identify the most cost effective means for Georgia’s counties to acquire the necessary coverage to be in compliance with the new law. While there are many cancer plans available in the marketplace, there are unique aspects of HB 146 that require insurance providers to make new filings with the Georgia Department of Insurance to meet specific aspects of the new law. Counties are encouraged not to commit to another provider claiming to provide the required benefits until they receive their quote from ACCG.
In accordance with amendments by HB 146 to Chapter 85 of Title 36 of the Official Code of Georgia Annotated, ACCG will make coverage available to member counties through its Interlocal Risk Management Agency (IRMA). The new program will be known as the ACCG-IRMA Firefighters’ Cancer Program. The program will be fully insured and backed by a carrier with an A.M. Best rating of A (Excellent). After months of reviewing proposals and conducting interviews, ACCG believes this carrier is the best choice for ACCG counties due to their overall resources, public entity experience, flexibility and pricing models.
Next week, ACCG will send out a request to each Georgia county asking for a simple, electronic census of their eligible firefighters. Proposals for this group coverage will be returned to counties well in advance of the January 1, 2018 inception date of the new law.
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