FRBT covers AccidentsCritical Illness
No matter what you need, we’ve got you covered.
Founded by retired and active law enforcement personnel, First Responders Benefit Trust’s mission is to provide valuable supplemental insurance coverage to responders across Texas and beyond.
Our knowledge and experience helped us create plans that cover first responders when they need it most. You can’t prevent accidents or anticipate critical illnesses…but you can be prepared.
WE HAVE YOU COVERED
We have been protecting law enforcement since 1982
Our commitment to support law enforcement is in the numbers.
No one plans on getting injured ... but just in case, we’ve got you covered.
You do everything you can to stay active and healthy, but accidents happen every day, including sports-related accidents. An injury that hurts an arm or a leg can hurt your finances too. That’s where Accident Champion can help. Accident Champion pays cash benefits directly to you or anyone you choose regardless of any other coverage you have. And Accident Champion pays extra benefits for injuries resulting from participating in organized sports. Let Accident Champion help take care of your bills so you can take care of yourself and your family.
Accident Champion Benefits always include:
First Accident
Pays you $100 soon after you report your first claim for covered benefits! If you get injured, we can begin processing your claim right as soon as you submit it, so you can get cash fast.
Sports Package
Your benefits increase 25%, up to $1,000 per person per year, for injuries resulting from participating in organized sports! Playing sports can lead to injuries and unwelcome expenses. We’ll increase your benefits to help pay those expenses.
Rehabilitation Package
We pay cash benefits for Admission, Daily Confinement and Recovery! Whether you are released to a Rehabilitation Center following a hospital stay or you recover at home, we pay a daily recovery benefit to help with your transition.
Here’s How Accident Champion Benefits Can Work
Accident Champion helps pay for the unexpected costs of an accidental injury by providing benefits for initial care, injuries, treatment, facility care and follow-up care. If your child gets injured during soccer practice and breaks his leg, here’s how benefits may stack up:
DIAMOND PLAN
First Accident
Ambulance
ER Visit
X-ray
Fracture
Crutches
Physical Therapy
Follow-up Visits
Subtotal
PLUS Sports Package
Remaining Coverage
$100
$200
$150
$40
$1,000
$100
$500
$150
$2.240
$560
$2,800
If you had a heart attack tomorrow, what would you worry about?
Paying your bills? Taking care of your family? Getting better? If you’re like most people, being diagnosed with a critical illness can be overwhelming, even scary. The last thing you want to worry about is money. Critical Illness Champion pays cash benefits directly to you that can be used to help with your bills, your mortgage, your rent, your childcare—you name it—so you can focus on recovery.
No one plans on getting sick . . . But just in case, we’ve got you covered.
Critical illnesses, such as heart attack, cancer and stroke, happen every day. They can have serious consequences, both physical and financial. To maintain your lifestyle and help you recover, you may need some financial help.
Are your savings enough to pay your bills?
While you’re being treated for a critical illness, your income could be affected for 3 to 6 months. Most families do not have enough savings to keep up with:
- Rent or Mortgage Payments
- Car Payments
- Credit Card Debt
- Childcare
- Retirement
- Household Expenses
Critical illnesses are expensive
Simply put, critical illnesses cost money. Even with medical insurance, out-of-pocket expenses like these can pile up quickly: • Medical Deductibles and Co-Pays • Out-Of-Network Specialists • Prescriptions • Rehabilitation • Nursing Care • Medical Travel
How it works
When you are diagnosed with a covered condition1, submit your claim and we’ll quickly send you a check. It’s that simple. You can use your money however you choose.
Triple Benefit in Action
Example
$20,000 Face Amount x3 = $60,000 Total Maximum Benefit
Heart Attack Diagnosis
Stroke Diagnosis
Stroke Recurrence
Remaining Coverage
$20,000
$20,000
$5,000
$15,000
Triple Benefit
If you get sick again with another covered condition, you’re still covered. With Triple Benefit, you can receive up to 3 times the Face Amount for each person you choose to cover. That means if you choose a $20,000 Face Amount you can receive as much as $60,000 in cash.
Recurrence Benefit
If we have paid a critical illness benefit for Benign Brain Tumor, Cancer, Coma, Heart Attack or Stroke, and there is a recurrence, you can receive up to 25% of your Face Amount, as long as you were back to work and treatment-free for at least 6 months. The Recurrence Benefit can be paid up to 2 times.
We help law enforcement stay covered.
When it matters most, First Responders Benefit Trust is there.