Contents

2012 - VOL - 1

a publication of:i l l i n o i s p r o f e s s i o n a lf i r e f i g h t e r sa s s o c i a t i o n

1 8 8 i n d u s t r i a l d r i v e

s u i t e 4 3 8

e l m h u r s t , i l l i n o i s

6 0 1 2 6 - 1 6 1 2

6 3 0 / 8 3 3 - 2 4 0 5

f a x 6 3 0 / 8 3 3 - 2 4 1 2

w w w . i p f a o n l i n e . o r g

President:Tim ClemensVice President:Craig BurdaSecretary:Robert ZamorEditor:Terry CoxExecutive Director:Greg KnollSgt-at-Arms:Tony NovakE-Mail:ipfa@aol.comWebsite:www.ipfaonline.org

Cover Page ................................................ 1Sponsors .................................................... 2Directors Corner ...................................... 3Presidents Message .................................. 4Pensions Focus ....................................... 5-6Court Cases, A Legal Update ................. 6-7Be Prepared - Life Can Change ................ 7

Illinois Fire Service Institute Updates .. 8,10Ottosen-Britz ............................................. 9Legislation Affecting Pension Boards......11Promotions - Retired - Deceased ....... 12-13When You Experience a Fire .................. 14Sponsors .................................................. 15Sponsors .................................................. 16

1

Senate Majority WhipTerry Link addresses

the November 2011 Pension Seminar audience.

He explained what would be happening in 2012

and answered questions from the audience.

Save the DateThe next I.P.F.A. seminar will be held on April 27 at the Empress Banquet Hall

in Addison.

2Marilyn Friedman and Bobbi Fosterwill be attending the

2012 Spring Pension Seminar on April 27, 2012

To answer your questions about Long Term Care Protection

A Sponsored Group Discount will be available for Members of IPFA and their family members. Be sure to stop by and talk to them.

If you are a firefighter in need of assistance with a legal matter please contact us to arrange for a confidential consultation.

We represent firefighters in a vast variety of contexts:

3Directors corner

Greg Knoll, Executive Director

I was appointed Executive Director of I.P.F.A. at the November 7th Board meeting. The appointment took effect on January 1st of this year. During November and December I spent time in the office with the prior Director, Terry Cox. I thank him for the time he spent during the transition.

I would like to start with a brief history of our organization. Illinois Professional Firefighters Association began in 1959. Membership records exist back to 1966. Those records show a total of 46 members.

During the years, I.P.F.A. has grown to an organization with over 2,000 members in its database. It began conducting fall pension seminars in 1971. Spring seminars began in 2010.

In the sixties and seventies, individual members traveled to Springfield to lobby the legislature for benefit guarantees and improvements. In 1982, the Board saw fit to hire Mr. Ron Hoffman as its first legislative representative. He served us until 1994, when he passed away. The Board then chose Mr. Mark Mifflin of Giffin, Winning, Cohen and Bodewes to represent the organization in Springfield. He has done a great job for us since we retained him 18 years ago. He is located in Springfield and there are days when members also travel to Springfield to attend meetings with Mark.

I.P.F.A. has representatives on the following Advisory Committees: State Fire Marshal, University of Illinois Fire Service, Illinois Fire Services Association, Firefighter Medal of Honor, and Medal of Honor Foundation. Two scholarships are funded through the Illinois Fire Chiefs Education and Research Foundation.

As to me, I joined the fire service in 1971 and was hired in a career position in 1973. I joined I.P.F.A. later that year. I.P.F.A. had around six hundred members at that time. I was first elected as a Trustee to my pension fund in 1976. I still serve that fund. I also serve as an appointed Trustee to the Police Pension Fund in my community. I served on another downstate fire pension fund for almost five years.

I served a total of over 36 years in the fire service with two municipal departments. Over 50 total years as a Trustee on three different pension boards. Over that time, I acquired a number of degrees and certifications. Those were thanks to an understanding wife and daughters; and co-workers that would switch or cover.

I.P.F.A. was founded in 1959 and continues to represent its members in many facets of the fire service. I.P.F.A. is here to protect pensions and work with other fire service and government organizations toward that end. As Executive Director of I.P.F.A., I will continue to do what ever is possible and affordable to work with fire service organizations and other groups to maintain or improve the retirement system for downstate firefighters.

We do seminar response forms to improve presentations and have timely topics at our Spring and Fall Seminars. The topics being presented at the April 27th seminar are a direct result of attendee and Board input.

I need to hear how you feel about our organization and how we are doing. Please let me know. 630-833-2405 and ask for me or leave a voice mail. Another option, ipfa@aol.com and tell us how you feel.

I promise you a response. I also promise your opinion or suggestion will also be reviewed by the Board.

Be safe, take care of your partners, and have fun.

4PresiDents MessAGe

Timothy S. Clemens, Board President

Id like to start off wishing all our membership a very Happy New Year. Heres hoping that 2012 finds you better than 2011.

Beginning January 1, 2012 the Illinois Professional Firefighters Association has a new Executive Director. Greg Knoll took over the position from Terry Cox after a one-month period where they worked together in order to maintain normal Association operations. As some of you may remember, Greg took over as Executive Director after the retirement of Gene Baker back in the early 1990s, (only to be replaced a short time later by myself). Greg will continue his role as the Treasurer of the Association in addition to his new duties of the day-to-day operations of the Association. Terry Cox is remaining on the Board of Directors and will also maintain the duties of getting the Size-Up out.

For years I assisted members through the process of retirement and disability application. Over the last year I have found myself on the other side of this issue and am going through the process of a disability pension application. On a personal note, it was much easier to give advice than going through the process. I have been keeping notes of potential deficiencies of the process and will discuss with the Board as to how to correct these for others either through rules or legislation.

I look forward to the challenges of the upcoming year and hope to hear from our membership on issues facing the Fire Service.

Be Safe

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5Pensions AGAin FocUs oF sPrinG LeGisLAtiVe session Mark Mifflin, I.P.F.A. Lobbyist Illinois fiscal difficulties have once again turned the spotlight to the underfunded state pension systems. The current focus is on the state-operated pensions. The attention to this issue arises from the recent downgrading and negative comments by financial rating agencies. The agencies cite weak management practices and the failure of state government to address the tsunami of pension debt in 2011. Everyone is in agreement that the state pensions are in crisis.

In response to the recent downgrade and ongoing criticism, Governor Pat Quinn has promised a rendezvous with pension reality in 2012. Quinn is convening a working group, which will be led by his staff and will consist of legislators and representatives of the various interest groups involved, to find solutions to the pension crisis.

The warnings about the crisis of the state pension systems apply equally too many downstate police and firefighter pension plans. Like with the state systems, the systematic underfunding of these plans for decades has left many of them in a precarious financial situation with benefit payouts expected to rise over the upcoming years. The benefits of these plans are generally set by state law but the funding of the downstate police and firefighter systems is dependent upon employee contributions and contributions by the local entities themselves. The underfunding by employers over the past couple of decades is now coming to a head and is exacerbated by the increased benefits becoming payable to more participants.

Unfortunately, the focus on pension reform by the governmental units is too often toward reduction in benefits of the plan participants. This is exactly the wrong approach. The problem which the state and local pension systems face is a direct result of long-term underfunding and fixing the problem can only be achieved through substantial increases in funding immediately. These plans cannot expect to be bailed out at the expense of the participants. Further, even if some sort of benefit reductions are implemented to stave off future crises, those savings will not take effect immediately and the problem of underfunding needs to be addressed now.

We look forward to seeing what Governor Quinn and his working group propose as a means of addressing the pension funding issues for the State. We also look forward to actions of the downstate firefighter pension plans as to their strategy in addressing their respective underfunding issues. We hope that the increased awareness of these funding problems will prompt action by the various governmental bodies to address this matter before it gets completely out of hand, if it is not already. We remain ready and willing to help with constructive proposals.

In addition to being involved with the pension issues, the I.P.F.A. will also be involved with several proposals from the Illinois Fire Services Association for the 2012 legislative session. The ultimate result of these proposals will likely be legislation to increase funding for the Fire Prevention Fund and to address issues including railroad crossings, interstate mutual aid, tax issues, sprinkler retrofitting, fireworks warnings, emergency vehicle license plate fees and seatbelt use in emergency vehicles, among others. Thus, although it is expected to be a busy year, the outcome of all of this activity in the legislature in this election year remains to be seen.

Mr. Mifflin will be making a presentation concerning Pension Legislation (Just how many systems are there, where will it go, and what retirement systems might be affected) at our Spring Seminar, April 27, 2012.

6coUrt cAses, A LeGAL UPDAte Richard J. Reimer, I.P.F.A. Board Counsel - Richard J. Reimer & Assoc. LLC 2012 All Rights Reserved 1. Prestonv.CityofWaukeganFirefightersPensionBoard,2011Ill.App(2dDist.)100597-U. (Rule 23 Non-Published) Plaintiff was a firefighter with the City of Waukegan Fire Department. On November 6, 2007, he filed an application for line of duty disability pension benefits with the City of Waukegan Firefighters Pension Board (Board) based upon injuries he allegedly suffered at a fire scene. In his application he claimed that he was unable to perform the required duties of a firefighter due to lumbar disc replacement. Approximately fourteen months after his initial disability application, he crossed out lumbar disc replacement and wrote in cervical disc replacement.

After a hearing on the disability application, the Board granted plaintiff a not in duty disability pension, but denied plaintiffs request for a line of duty disability pension. The trial court confirmed the Boards decision to deny the line of duty disability pension. After the parties fully briefed the matter, the Illinois Appellate Court, 2nd District, affirmed the trial courts order confirming that the Boards decision was proper.

The Appellate Court reviewed the Boards decision under the manifest weight of the evidence standard and ruled that it is the Boards function, as the finder of fact, to assess the credibility of the documentary information and the testimony of any witnesses presented and to determine the appropriate weight to be given the evidence. Therefore, the Court ruled, that the Boards finding, as a matter of fact, that plaintiff was disabled from performing his duties as a firefighter but, however, that plaintiffs alleged accident on December 3, 2006 was not the cause of his disability and was not against the manifest weight of the evidence. It was proper for the Board to ultimately find that on the date of the accident plaintiff suffered a thoracic muscle strain, did not suffer a C6-7 herniation, and there was overwhelming evidence in the record to support the Boards finding.

2. Nowakv.TheCityofCountryClubHills,2011IL111838,SupremeCourtoftheStateofIllinois. The Nowak case presents the following question: Under the Public Safety Employee Benefits Act (PSEBA), when a police officer (or firefighter) suffers a catastrophic injury in the line of duty, when does the officers employer become obligated to pay the entire health insurance premium for the injured officer and his family? The Circuit Court of Cook County held that the obligation attaches upon a determination that the officer is permanently disabled and therefore never returning to work. The appellate court held that the obligation attaches when the officer sustains the actual injury. The Supreme Court reversed the appellate court, finding that the obligation begins when a determination that the officer is permanently disabled, (i.e., when the pension board makes a finding granting the officer a line of duty disability pension which determined (s)he is catastrophically injured).

Therefore, under the Nowak decision, if an officer (or firefighter) is injured on December 1, 2007, applies for a line of duty disability application on December 2, 2008, and, after a hearing on the matter, is granted the line of duty disability pension on December 23, 2011, the obligation on the part of the municipality to begin paying PSEBA benefits, assuming the other requirements of the PSEBA statute are met, would be December 23, 2011, the day the pension board finds that the officer (or firefighter) is catastrophically injured and cannot return to work.

3. Mingusv.BoardofTrusteesofthePolicePensionFundofPeoria,2011Ill.App(3dDist.)110098

The plaintiff, a police officer, was injured while attempting to push a motorists stuck vehicle out of the snow. The plaintiff applied for a line-of-duty disability pension. The pension board denied the plaintiffs application for a line-of-duty disability pension and instead awarded the plaintiff a not-on-duty disability pension. The pension board found that the plaintiffs testimony was not credible regarding the safety hazard and the need for immediate action and that it appeared that [plaintiff] had skewed his testimony in an attempt to support his claim.

(Continued on Page 7)

Be Prepared Life can change

Jeff Dill

As you know or may not know, I speak nationally about behavioral health and how it affects us as firefighters and EMS, both career, paidon-call or volunteer. While being a Battalion Chief and Licensed Counselor it affords me the ability to discuss issues as depression, PTSD, suicides within the fire service and retirement preparations. In this article though I want to write about something that I also feel very strongly about and that is formal education.

As firefighters and EMS personnel we start each day checking over our rigs to ensure everything is in working order, our tools are clean and operable or perhaps inspect our drug bags to ensure they contain all the necessary meds in case we get those difficult calls. Then, during the day, or nighttime if you are not a career department, we train. We train to be prepared. Bottom line is that we are vigil about preparation and training because we can be called to assist our community at any time. Yet, how are we preparing our own lives if we become injured and cant do the job as a firefighter or paramedic?

We are all just one slip off a ladder from changing careers. Think about it! In an instant we can be looking for an outside job due to injuries. One way to prepare ourselves is by attending school. A college education can open doors for you in the event of a career change or perhaps even retirement. I am sure there are a few who say that they are too old to go back or too busy on their off days, but I totally disagree and you will find me challenging that thought process. The reason I know is because, if I can go back to get my Bachelors and Masters Degree at my age, (I was in my 40s when I started) then you can as well. Even if you are a POC or Volunteer firefighter, challenge yourself to begin or perhaps finish your classes. If you are just starting the process maybe one or two classes a semester can be a great start. Check with your local Community Colleges if you are just starting with your Associates Degree. They offer many types of schedules plus many give life experience credits towards a Fire Science Degree. I also recommend mixing up your Degrees. This means you dont have to necessarily have them all being fire service related. My example is my Associates is in Fire Science, Bachelors in Business Management, and Masters in Counseling.

This is your life and you are accountable for your own actions but if life throws you a curve and takes away your career as a firefighter, then please make sure you have something to fall back on. Something that you prepared for. It will make your lifes transition much easier to handle!

Jeff Dill is a Battalion Chief for Palatine Rural FPD, licensed counselor and Founder of Counseling Services for Firefighters (www.csff.info) and Firefighter Behavioral Health Alliance (www.ffbha.org).

coUrt cAses, A LeGAL UPDAte(Continued from page 6)

The pension board also determined that the plaintiff could have called a tow truck instead. The trial court affirmed the pension boards decision.

The Third District Appellate Court reversed the trial court and ordered the pension board to award the plaintiff a line-of-duty disability pension. The Appellate Court held: While it is true that ordinary citizens at times stop during the winter to help motorists that have become stuck and that tow-truck companies are also available to assist motorists in such a situation, those facts, while relevant, are not dispositive of the issue that was before the Board. The Appellate Court also rejected the pension boards credibility finding and held, [it] does not matter whether [plaintiff] was incorrect or even incredible in his assessment of the situation and decision that immediate action was necessary. Rather, what is important for our determination here is that as a police officer, [plaintiff] was required to stop and assist the stuck motorist. Everything that occurred after that point was merely a matter of [plaintiff] exercising his discretion in how best to handle the situation.

7

8illinois Fire service institute Updates

Roger D. Lunt, Deputy Director

2012 training calendar Annual Fire college, June 7-10, 2012 Annual explorer / cadet Hot Fire school June 28 30, 2012 Certified Firefighter II Academy begins March 12, 2012 Light and Fight training at many of the Regional Training Centers [Contact your IFSI Regional Rep. for dates and locations]

The 2012 IFSI Calendar of Classes has been mailed to every Illinois Fire Department. If your department has not received the 2012 Calendar contact your Regional Representative.

88th Annual Fire college NEWTHISYEAR: Fire Dynamics in Modern Construction, High Rise and Wind Driven Fires, Fire and Arson Investigation, Fire Department Public Education, Grain Bin Rescue Awareness, An orientation session for new and returning students will be held in the LRRC auditorium. Orientation is strongly recommended for first-time Fire College students. The Welcome Ceremony will be held on the IFSI campus. A panoramic group photo of all available students will take place at a designated area on the IFSI Campus.

iFsi regional representativesThe Illinois Fire Service Institute (IFSI) announces three new Regional Representatives to oversee Cornerstone-funded training. Tim Bragg of Mattoon has been appointed as IFSIs southeast Region Representative. Bragg, who has been an IFSI field instructor since 2006, will be responsible for 24 counties in southeastern Illinois. He retired as Assistant Chief of the Mattoon Fire Department, where he served for 28 years. Jim Vaughn of Bloomington has been appointed as IFSIs central Region Representative. Vaughn, who has been part of IFSIs part-time firefighting support and instructional staff since 1998, will be responsible for 14 counties in central Illinois. He is a 21-year veteran of the fire service and currently serves as Captain and Shift Commander on the Normal Fire Department. Jim also serves as a team leader for the MABAS 41 Technical Rescue Team. He holds an Associates Degree in Fire Science. richard stack has been appointed to serve as IFSIs Chicago-Metro Regional Representative. Stack is a 16-year veteran of the fire service and currently serves on the Chicago Fire Department. He has been a member of IFSIs field staff since 2006. In his new role, Richard will oversee training activities in seven counties surrounding Chicago.

Illinois Fire Service Institute Regional Representatives:Northeast Region: Randy Schlichter, 847-343-4039 East Central Region: Greg Fisher, 217-244-1220Chicago Metro Area: Richard Stack, 773-988-0259 Central Region: Jim Vaughn, 309-275-2499Southwest: John Nichols, 618-973-2059 Northwest Region: Ray Palczynski, 563-468-8385 Southern Region: Tim Bragg, 217-962-1597

(Continued on page 10)

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(Continued from page 8)

Each new representative will coordinate Cornerstone-funded training and will act as liaison for departments in his respective area. Besides their responsibilities of coordinating Cornerstone-funded training, each regional representative is available to meet and speak at department and association meetings. Contact information is on the IFSI web site at www.fsi.illinois.edu under the Cornerstone Program tab.

Cornerstone-funded training provides fundamental hands-on training at no-cost to local fire departments. More than $550,000 is available in FY2012 for the seven regions and comes from a designated portion of Illinois Fire Prevention Fund.

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11

LeGisLAtion AFFectinG Pension BoArDs

Richard J. Reimer, I.P.F.A. Board Counsel - Richard J. Reimer & Assoc. LLC 2012 All Rights Reserved

1. New Open Meetings Act Training Requirement

Public Act 97-0504 amended Sections 1.05 and 4 of the Open Meetings Act (OMA) (5 ILCS 120/1 et seq.). The OMA now requires every trustee, elected or appointed, to complete the electronic training curriculum developed and administered by the Public Access Counselor. (http://foia.ilattorneygeneral.net). The online training must be completed before January 1, 2013. However, any trustee elected or appointed after January 1, 2012 must complete the training no later than 90 days after the trustee assumes office. Each trustee must file a copy of the certificate of completion of the online training with the Pension Board. Completion of the online training under section 1.05 of OMA is not an annual requirement. However, the time spent on this training does count toward Trustees annual sixteen (16) hour training requirement.

2. Amendments to Code of Civil Procedure Access to Deceased Medical Records. Public Act 97-0623 amends Section 8.02 and 8-2001 of the Illinois Code of Civil Procedure expanding the ability of certain individuals to obtain a deceased patients medical records. This statute enables pension boards to more readily obtain the medical records of deceased police officers and firefighters when adjudicating survivor claims. Prior to this change, most healthcare providers would only release medical records of a deceased patient to the administrator or executor of a deceased persons estate. The new legislation allows a deceased persons health care records to be released upon the written consent of a deceased persons surviving spouse, or if no surviving spouse, any one or more of the following: an adult son or daughter of the deceased, a parent of the deceased, or an adult sibling of the deceased. The statute also provides a sample Authorized Relative Certification form for use by an authorized relative.

Mr. Melnyczenko earned his Juris Doctor from The John Marshall Law School, where he was on the Deans List; a team award recipient in the International Academy of Dispute Resolution Law School Mediation Tournament; a member of the Honorary Society for the Advancement of Land Economics; an Officer of the Criminal Law Society; and a member of the Justinian Society. As a law student, Christopher interned for the Office of Attorney General of Illinois, Labor and Employment Division (Illinois Supreme Court Rule 711 licensed) and the Cook County Sheriffs Office, Legal and Labor Affairs Division.

Please do not hesitate to contact any of us should you have any questions concerning these cases and/or legislation.

Richard J. Reimer Keith A. Karlson Jeffrey A. Goodloe Jerry J. Marzullo Chris W. Potthoff Christopher M. Melnyczenko

Mr. Reimer will be making two presentations at the Spring Seminar.

The first presentation will cover additional pension court cases, independent medical evaluations, and selecting the proper type of physician to evaluate disability applicants.

The second presentation will cover recent legislative changes and their impact on pension boards.

12

PROMOTIONS

Addison F.P.D.:Lieut. to B/C M. Scott Heinrich

Algonquin-Lake in the Hills A/C to Chief Kevin J. Rynders

Bensenville:Lieut. to B/C Donald J. Tessler

Bridgeview:B/C to Chief Tim Landingham

Buffalo Grove:B/C to D/C Douglas F. Postma

Carol Stream:D/C to Chief Richard Kolomey

Darien Woodridge:B/C to D/C Joseph P. Worden

Deerfield-Bannockburn:Lieut. to B/C Glen V. Zemke

Elmwood Park;Lieut. to Capt. Kevin FlahertyFF to Lieut. Frank Kucera

Franklin Park:Capt. to Chief Steven P. IovinelliCmdr. to B/C David J. Olson

Glenview:Lieut. to B/C Anthony A. AngusLieut. to Capt.Lawrence A. Wysocki

Grayslake:Capt. to Chief John R. Christian

Highland Park:B/C to D/C Ralph M. EnsignLt/PMD to BC/PMDStanley L. Olson

Lake Forest:FF to FF/PMD John BardiFF to FF/PMD Andrew BarnesFF to FF/PMD Michael T. EvertFF to FF/PMD Eric FarrFF to FF/PMDEric C. GlobergerFF to FF/PMD Cory KazimourLieut. to B/C Eric A. MontellanoFF to FF/PMD Matthew RauschLieut. to B/C Pete SiebertFF to FF/PMD David E. Tisinai

Matteson:SC/Pmd to DC/PmdEdward Leeson

Maywood:Lieut. to Capt.Craig A. Bronaugh Jr.FF to Lieut. David M. KrefftFF to Lieut. Anthony J. Morrone

Melrose Park:FF to Lieut. Sebastian Lorenzo

Niles:FF/PMD to Lieut. Scott R. Guerino

North Palos:Dep/Ch to Chief Daniel J. Russell

Oak Park:B/C to Chief Thomas D. Ebsen

Palatine:D/C to Chief Scott M. Andersen

Park Ridge:Capt. to B/C Scott E. Sankey

Prospect Heights:Capt. to B/C Alan Grzeslo

Riverside:Chief Spencer Y. Kimura from B/C in Glenview

Streamwood:Lieut. to B/C Robert A. Wysong

Wauconda:FF/PMD to Lieut. Vince Clemens

West Chicago:D/C to Chief Robert S. Hodge, Jr.

Westchester:Lieut. to Chief James C. Adams

Wheeling:FF/PMD to Lt/PMDTimothe DurkinFF to LT/PMD Patrick A. Trunda

RETIRED

Addison F.P.D.:FF Joseph A. GrandolfoLieut. Gerald T. ToomeyFF Thomas R. VrchotaFF Wayne Westman

Arlington Heights:Cmdr. David A. Schultz

Bedford Park:Lt/PMD Vincent J. Zitella

Bridgeview:Chief Tim LandinghamLieut. James P. RussellLieut. Michael J. RussellLieut. Robert J. StantonChief Robert L. Thurzo

Broadview:FF Russell H Schoff

Buffalo Grove:B/C Gary L. BelfieldD/C Daniel K. Pearson

Chicago Ridge:Chief Randall B. Grossi

Elk Grove Village:Lieut. John P. Guglielmo

13

RETIRED (Contd)

Elmwood Park:Capt. Richard ArmentanoFF Louis BudicakCapt. Michael Collins

Franklin Park:Cmdr. William R. McMurrayChief David J. Traiforos

Glenside:Lieut. Richard H. Osborn

Glenview:Lieut. Randy H. Fromm

Gurnee:Barry L. Henby

Hoffman Estates:FF/PMD Matt CollinsFF Kenneth R. Swoboda

Itasca:Chief James MacArthur

Lake Zurich:Chief Terry Mastandrea

Libertyville:Lieut. James P. Nachowicz

Lincolnshire-Riverwoods:A/C David T. Gnadt

Lombard:FF/EMT James M. Barron

Maywood:Capt. Alfred J. Molinaro

Morton Grove:D/C Joseph L. Paczosa

Mount Prospect:Lieut. Donald L. BurgerFF Randy S. CherwinCharles E. Livingston

Mundelein:D/C Craig F. Adams

Niles:D/C John J. Zeman

North Palos:Chief Richard R. McKeon

North Riverside:Lieut. Carl M. DropkaD/C Richard J. Schoemer

Oak Park:F.Insp. Brian P. Walz

Orland F.P.D :D/C Joseph J. Madden, Jr.

Palatine:Chief Robert A. FalardeuEng/PM Frederick V. KleeburgB/C Scott M. Ohlrich

Pleasantview:B/C Daniel A. Tholotowsky

Skokie:Lieut. Mark Reding

West Dundee:Chief Franklin J. Buhrmann

Westchester:Chief Richard E. Belmonte

Wheeling:B/C Charles Gallant, Jr.

Wilmette:Duty/C Charles OrthLt/PMD Ray RidolfiFF/PMD James C. Winter

DUTY DISABILITYSchaumburg:

Capt. Gerald R. Leska

DECEASED

Addison:Chief John Kreft

Benton:Chief Mickey Marshall

Elmhurst:FF Charles Kaminsky

Freeport:Lieut. Gerald L. Keeney

Highland Park:FF John Ugaste

Hillside:D/C Edward J. Caraher FF Frank J. Schnurstein

Lisle-Woodridge:Chief Paul H. Boecker

Melrose Park:Capt. Angelo Mickey Zito

Oak Brook:FF Richard ArlingLieut. John H. Meyers

Oak Lawn:FF Ralph A. Maynard

Oak Park:FF William Sible

St. Charles:A/C William Helm

West Dundee:Lieut. Thomas R. Lutzow

14

WHENYOUEXPERIENCEAFIRE!

Why a Citizens Assistance Program is the way to go

Amy Edwards Director of Business Development - QCI

When the fire department is called to a large structure fire the first priority is always to guard against loss of life and injury; making sure the people inside are alright. But what happens to the home or business owner once the fire is extinguished, hoses rolled up, and the equipment is returned to the firehouse?

Most people are completely unprepared for a property damage emergency. They are in shock and have no idea what to do next. Most fire departments have some type of emergency board-up call out list with companies that must meet certain criteria typically: licensed, bonded, insured, promised arrival within an hour, background checked employees, and the ability to perform any property securement activities including winterization and emergency electricity. This protects the structure from further damage; but, what about the people?

Did they evacuate without their cell phones, credit cards, shoes? Where will they spend the night? If you are taking precautions to ensure the property is taken care of, why not ensure that the people will be taken care of as well? The highest quality property securement (board-up) companies will provide citizens assistance services such as: providing temporary cell phones, assisting with temporary housing including their pets, helping the home or business owners deal with immediate needs, explaining the insurance restoration process, help reporting the claim, providing water and energy bars at the scene, gift cards for local restaurants, and have the flexibility to deal with any other issues that may arise.

2009 Morgan Stanley Smith Barney LLC. Member SIPC. Graystone Consulting is a business of Morgan Stanley Smith Barney LLC.

Our job is making sure investment managers do their job. There is no substitute for objective professional investment management. At Graystone Consulting, we provide investors with access to independent investment firms that pass our rigorous evaluation standards and ongoing reviews. We use a disciplined evaluation process applied consistently to every investment firm we recommend. We focus on identifying:

> Experienced portfolio management teams> Depth of investment research capabilities

For more information on our investment manager research capabilities and recommendations, call:

Mary L. TomanekGraystone ConsultingInstitutional Consulting Director (847) 480-3605www.institutionalconsulting.citi.com/tomanek/

> A consistently applied investment philosophy> Prudently managed portfolios and performance results

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Illinois ProfessionalFirefighters Association188 Industrial Drive - Suite 438Elmhurst, Illinois 60126-1612

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