merseyside police federation · life insurance ... *terminal prognosis advance only available for...

MERSEYSIDEPOLICE FEDERATIONGROUP INSURANCE SCHEME

SCHEME BENEFITSEffective from 1 April 2018

2 Police Federation Group Insurance Scheme

Federation Office 0151 259 2535

Worldwide Travel Insurance Policy Number MT18/109224hr Emergency Assistance +44 (0) 20 7183 3751Non-Emergency Claims 0330 660 0549

Motor Breakdown Cover (UK) 01384 884 086

Home Emergency 0333 000 7808

Legal Expenses 01384 887 597 (quote LES/256/1415)

RedArc 01244 625 180

Philip Williams and Company 01925 604 421

USEFUL TELEPHONE NUMBERS

Police Federation Group Insurance Scheme 3

SERVING MEMBER BENEFITS

SERVING MEMBER AGED UNDER 65Life Insurance £100,000Terminal Prognosis advance on life insurance* 20% of sum insuredPermanent Total Disablement (due to accident) £100,000Accidental Loss of Use Benefit £60,000Infection of HIV on duty £60,000Critical Illness £10,000Child Critical Illness £2,000Child Death Grant £2,000RedArc Member onlyHospitalisation Benefit up to 5 nights

Accident/incident/emergency admission £50 per nightPlanned admission after first 3 nights £50 per night

Sick Pay Benefit (when pay cut to half) up to 26 weeks 15% Scale PayThen a further 4 weeks when on no pay 20% Scale PayFamily Travel Policy WorldwideLegal Expenses including ID Theft Protection IncludedDental Injury and Emergency Member & PartnerHome Emergency Assistance IncludedFinancial Advice with Kinsella Clarke IncludedMotor Breakdown Cover (UK) Member & PartnerCALENDAR MONTHLY PREMIUM £31.20

COHABITING PARTNER AGED UNDER 65Life Insurance £50,000Terminal Prognosis Advance on life insurance* 20% of sum insuredCritical Illness £5,000RedArc Partner & ChildrenCALENDAR MONTHLY PREMIUM £6.75

The price includes an additional contribution to the Insurance Trusts to pay for administration of the scheme and other member benefits asdetermined by the Scheme Trustees*Terminal Prognosis Advance only available for members aged 63 and under


RETIRED MEMBER BENEFITS

RETIRED MEMBER AGED UNDER 60Life Insurance £50,000Terminal Prognosis Advance on life insurance 20% of sum insuredPermanent Total Disablement (due to accident) £10,000Accidental Loss of Use Benefit £5,000Critical Illness £5,000Child Critical Illness £1,000RedArc Member onlyFamily Travel Policy WorldwideLegal Expenses including ID Theft Protection IncludedDental Injury and Emergency Member & PartnerHome Emergency Assistance IncludedMotor Breakdown Cover (UK) Member & PartnerCALENDAR MONTHLY PREMIUM £36.75

*Terminal Prognosis Advance only available for members aged 63 and under

RETIRED MEMBER AGED 60–64Life Insurance £25,000Terminal Prognosis Advance on life insurance* 20% of sum insuredPermanent Total Disablement (due to accident) £10,000Accidental Loss of Use Benefit £5,000Critical Illness £5,000Child Critical Illness £1,000RedArc Member onlyFamily Travel Policy WorldwideLegal Expenses including ID Theft Protection IncludedDental Injury and Emergency Member & PartnerHome Emergency Assistance IncludedMotor Breakdown Cover (UK) Member & PartnerCALENDAR MONTHLY PREMIUM £36.75

RETIRED MEMBER AGED 65–69Life Insurance £5,000RedArc Member onlyFamily Travel Policy WorldwideLegal Expenses including ID Theft Protection IncludedDental Injury and Emergency Member & PartnerHome Emergency Assistance IncludedMotor Breakdown Cover (UK) Member & PartnerCALENDAR MONTHLY PREMIUM £36.75

COHABITING PARTNER AGED UNDER 60Life Insurance £25,000Terminal Prognosis Advance on life insurance 20% of sum insuredRedArc Partner & ChildrenCALENDAR MONTHLY PREMIUM £8.55

COHABITING PARTNER AGED 60–64Life Insurance £12,500Terminal Prognosis Advance on life insurance* 20% of sum insuredRedArc Partner & ChildrenCALENDAR MONTHLY PREMIUM £8.55

COHABITING PARTNER AGED 65–69Life Insurance £2,500RedArc Partner & ChildrenCALENDAR MONTHLY PREMIUM £8.55


The price includes an additional contribution to the Insurance Trusts to pay for administration of the scheme and other member benefits asdetermined by the Scheme Trustees.*Terminal Prognosis Advance only available for members aged 63 and under


Applying to joinServing officers and police staff canapply to join the scheme at any timeby completing a medical underwritingapplication form which is availablefrom the Federation Office. The firstthree monthly subscriptions are freeof charge when joining the schemefor the first time. New recruits to thepolice service may join the schemewithout the need for the completionof the medical underwritingapplication form and their first 52weeks of service are free of charge.The Federation and/or Philip Williams& Co reserve the right to decline anyapplications.

Subscription collectionSubscriptions are collected monthlyby deduction direct fromsalary/pension unless that is notpossible when alternativearrangements may be agreed.Monthly subscription paymentsmust be maintained in order toremain a member of the schemeand to qualify for any benefits.

InsurersA list of the insurers is availableon request. Full policy wordingsfor certain policy sections areavailable to download via QR codes.These may also be available at theFederation Office, on the FederationWebsite or by visiting the GroupScheme section ofwww.philipwilliams.co.uk

How to cancel your coverIn the event that you need to cancelyour cover, please submit a letterwith a signature on to theFederation Office.

Cohabiting Partner ExtensionsAny cohabiting partner extensionwill cease when the member orcohabiting partner reach 70 yearsof age whichever is the sooner. Anycohabiting partner cover and/orextension will cease when themember ceases to be a memberof the scheme.

Career breaks, maternityleave, secondment or livingoverseasThose going on a career break,maternity leave, secondment orare living overseas must contactthe Federation Office to identifyif cover can be maintained.

Retirement fromthe Police ServiceServing officers upon retirementmay remain in the scheme as aretired member providing they werea member for at least 12 monthsprior to retirement. This also appliesto cohabiting partner cover.

Individuals are not eligible to join thescheme after their retirement date.

Transfer, resignationor dismissalServing officers who transfer, resignor are dismissed from the policeservice are not eligible to remain inthe scheme and all membership andbenefits will cease including anycohabiting partner extension.

Complaints procedureThe Federation Insurance Scheme is arranged on behalf of the trustees by PhilipWilliams and Company who are authorised and regulated by the FinancialConduct Authority (Registration Number 308860). The trustees are responsiblefor organising the policies and dealing with the insurance broker. Any complaintsabout any aspect of the scheme should in the first instance be directed to theFederation Office. The insurance broker will then be asked to investigate thecomplaint and resolve any matter either via the Federation Office, directlywith the member, or through the appropriate underwriting organisation.

Please contact the Federation Office by telephone on:

0151 259 2535Or simply write, giving details of your complaint to: Office Manager, MerseysidePolice Federation, Malvern House, 13 Green Lane, Tuebrook, Liverpool, L13 7DT

Should you remain dissatisfied then you may ask the Financial Ombudsman toinvestigate your complaint. Please contact the Financial Ombudsman Serviceby telephoning 0300 123 9123 or by downloading the complaint form fromwww.financial-ombudsman.org.uk

This booklet is a summary only. The benefits are subject to certain exclusions and policy conditions notstated in this booklet which in the event of a claim will be applicable. The benefits are provided strictlyunder the terms of the insurance policies taken out by the trustees of the scheme. Subscription to thescheme entitles the member to the benefits provided by the scheme but confers no ownership of any ofthe underlying policies which are vested in the trustees. The trustees retain the full policy wordingdetailing all benefits and exclusions which may be viewed on request to the Federation Office.

IMPORTANT INFORMATIONAPPLICABLE TO ALL BENEFITS


EXPLANATION OF BENEFITS

Life insuranceOn death of a member or subscribing cohabitingpartner the cash benefit detailed in the currentbenefits table will be paid. The policy is written in Trustso that if a member dies, the proceeds can be paid, bythe Trustees, to the member's dependants quicklyfree of tax and without havingto wait for probate. Members should ensure that theyhave an up-to-date beneficiary nominated and havelodged the details with the Federation Office, to assistthe Trustees in the event of a claim. If a member aged63 or under receives a terminal prognosis of 12months or less, they may apply to the Trustees foran advance of the death benefit of 20% of therelevant sum insured.

Permanent Total DisablementPayable when a member is unable to performany gainful employment and is unable to existindependently, requiring continual supervision foractivities of daily living, as a result of an accident.

Accidental Loss of Use BenefitBenefits paid in the event of:-- Permanent loss of sight in one or both eyes- Permanent loss of use of one or more limbs- Permanent total loss of hearing in one or both ears- Permanent total loss of speech

Child Death GrantThis benefit is paid upon the death of a dependant childof a member, aged between 6 months and 17 years.

Dental injury and EmergencyThis policy provides cover for Dental Expenses in theevent of:- Dental Injury- Emergency Dental Treatment- Dentist Call-out Fees- Hospitalisation- Mouth CancerDefinitions are shown in the full policy wording.Making a Dental ClaimNo prior authorisation is required. Undergo thetreatment, pay the dentist direct, and subsequentlysubmit a claim. Please ensure that proof of treatmentand receipts of costs are obtained. Claim forms areavailable from the Federation Office.

Hospitalisation Benefit- Payable when admitted as an in-patient to hospital between midnight and 07.00- Unplanned admission arising from accident or emergency, payable from first night- Planned admission payable after three nights

Infection of HIV on dutyCover is provided for serving officers only. If, asa result of a documented duty related incidentyou become infected with HIV, a benefit paymentwill be made.

Sick Pay Benefit (Regulation 28 cover)If a member suffers a reduction in pay under PoliceRegulations or terms of employment, the benefitsshown will become payable. The benefit ceases onreturn to work or if the member retires, resigns, isdischarged from the police service, or fails to pay themonthly scheme subscription. In addition the benefitshall not be payable if the member has been offeredreasonable adjusted duties with a return to full pay andhas declined such duties without reasonable cause.

Please note: Any overpayment due to a reversal in thedecision by Merseyside Police which results in aresumption of pay (including any back payment) ordue to a failure by the member to inform the insurersof a return to work must be repaid in a prompt andtimely manner.


Supplementary Life InsuranceThe option to purchase additional (Top Up) life insurance cover is available to existing subscribing members of thescheme only, we invite you to consider the options to increase your life cover for both yourself and your cohabitingpartner.

Serving Member (aged under 65)Additional £25,000 £5.25 per pay periodAdditional £50,000 £10.50 per pay period

Cohabiting Partner (aged under 65)Additional £12,500 £2.65 per pay periodAdditional £25,000 £5.25 per pay period

The additional Life Insurance cover is payable by payroll deduction and ceases upon the members retirement orreaching the age of 65, whichever is the sooner. Please contact the Federation Office to apply.

Documents can be downloadedby visiting the Group Schemesection of our websitewww.philipwilliams.co.ukor by scanning the QR code.



- Alzheimers Disease - Angioplasty - Aorta Graft Surgery - Aplastic Anaemia - Bacterial Meningitis - Benign Brain Tumour - Blindness - Cancer - Cardiomyopathy - Coronary Artery By-pass Graft - Coma - CJD - Deafness - Dementia/Pre-senile Dementia - Encephalitis - Heart Attack - Heart Valve Replacement/Repair - Hep B / HIV Infection - Kidney Failure - Liver Failure

- Loss of Speech - Loss of a Hand or Foot - Major Organ Transplant - Motor Neurone Disease - Multiple Sclerosis - Paralysis of Limbs - Parkinson’s Disease - Primary Pulmonary Hypertension - Progressive Supranuclear Palsy - Pulmonary Artery Surgery - Respiratory Failure - Rheumatoid Arthritis - Stroke - Terminal Illness - Third Degree Burns - Total & Permanent Disability - Traumatic Brain Injury

Please refer to the policy wording for full definitions ofthe illnesses covered.

The scheme benefits will be payable if a member, member's subscribing cohabiting partner or theirchild, aged from 30 days to 17 years, suffers from an insured illness and survives for more than 14days from the date of diagnosis or surgery.

CRITICAL ILLNESS


REDARC

A telephone support service which provides access to a Personal Nurse Adviser in the event of:- Serious Illness- Bereavement- Long Term Disability- Stress- Telephone Support for people when discharged from hospital

Covered individualsThis cover is provided for:- Serving members- Retired members- Cohabiting Partners and children of serving and retired members (only if additional cohabiting partner subscription paid)

Your Personal Nurse Adviser will be able to assist with:- Help in understanding the condition and all its implications- Explain options for treatment- Help to prepare for consultants appointment- Explain medical terms in simple everyday language- Help families to cope with consequences of illness- Information and advice on home adaptations/specialist equipment- Source suitable equipment & medical aids- Provide information on entitlements from NHS- Helping you to make as speedy a recovery as possible by providing suitable information and helping to navigate into the appropriate services- Provide good long term management of your condition- Simply a listening ear when you are feeling low, or want to talk to someone who is not emotionally involved

At the discretion of the nurse, when clinically necessary in certain circumstances, they may be able to arrangeextra help.

The RedArc service is free of charge and confidential. If you think you may be eligible you should ring RedArc on

01244 625 180in normal business hours.

This service is confidential, however you will be asked to provide the members Collar Number (or EmployeeNumber for Police Staff) for membership verification purposes.



FAMILY TRAVEL POLICY

This policy covers the me mber, their cohabiting partner andany number of their unmarried dependant children under 18years or 23 years if in full time education, all normally residentin the family home, for any number of trips in any year up to60 days per trip. It covers travel worldwide and also in theUnited Kingdom.

The main sections of cover are:- Cancellation and curtailment up to £5,000- Emergency medical expenses up to £10,000,000- Personal Baggage up to £1,500- Personal Money up to £500- Public liability up to £2,000,000- Personal Accident up to £20,000

Other benefits are included. Please see travel policy for full details.

In the case of medical emergency pleasecontact our nominated emergency service on+44 (0) 20 7183 3751Email: [email protected] quote MT18/1092

Other claims should be reported tothe claims service on

0330 660 0549(9am–5pm Mon–Fri)Email: [email protected]

STRANDED PASSENGER SERVICEAccess Executive Lounges if your flight is delayedfor more than two hours. Pre-Registration isrequired more than 24 hours before you fly.

Scan the QR code or visit:https://cloud.sdxmessaging.com/vault/philipwilliams/benefits.htmlto register using PIN 2487.

Please note that this service relies upon airlines publishing their schedulesto a flight tracking system in advance. This service may not be availablefor some charter flights. In the event of a flight not being registered, thisservice will not be available. The majority of flights will be registered.

Main conditions and exclusionsThe policy will not cover you if any ofthe following apply to you, atravelling companion, an immediaterelative, close business associate orsomeone upon whom your tripdepends whether they are travellingwith you or not (including any thirdparty with whom you may bestaying on your trip)1. You/they were aware of anyreason why the trip could becancelled or curtailed.2. You/they were travelling againstthe advice of a medical practitioneror in order to get medical treatmentabroad.3. You/they have been diagnosed ashaving a terminal illness.

If there is any change in a person’shealth between the date the policy isissued and the start date of a tripyou must still comply with theHealth Warranty.

An excess of £50 is applicable formost policy sections. The excess ispayable per person, per section, perinsured incident subject to amaximum of £100.

There are significant limitations andexclusions of cover for property,including valuables and money, thatis left unattended or out of yourimmediate control and supervision.Please also note the requirementsfor notifications of loss/theft andthe need for reports.

Full policy terms and conditions havebeen made available. If you requirefurther copies please contact theFederation Office.


LEGAL EXPENSES

Some important facts about the Professional Fees policy are summarised below. This summarydoes not describe all of the terms and conditions of the policy. All references below to the coverprovided are contained within the full policy wording. Please note that a full policy wording isavailable for your inspection at the Federation Office upon request.

Legal helplineThere is a 24 hour legal helpline and this can be contacted on

01384 887 597for initial advice and further instructions in how to make a claim.Please quote scheme number LES/256/1415

Identity Theft Assistance and Claims 01384 377000

Arranged by Legal Insurance Management Ltd.

Section of cover1. Criminal Prosecution Defence(£185,000)2. Personal Injury(£100,000)3. Residential Protection(£100,000)4. Peaceful Occupation(£100,000)5. Consumer Protection(£100,000)6. Data Protection(£100,000)7. Uninsured Loss Recovery & Motor Prosecution Defence(£100,000 but limited to £2,500 in providing representationfollowing the seizure of a vehicle as a result of incorrectinformation being on the Motor Insurance Database and £5,000for Motor Defence claims)8. Discrimination(£100,000)9. Probate(£100,000)

10. Employment(£100,000)11. Fund Trustee Defence(£100,000)12. Representation at Public Enquiries(£100,000)13. Independent Police ComplaintsCommission Investigations(£100,000)14. Disciplinary Hearings(£20,000)15. Bankruptcy(£1,000)16. Education(£100,000)17. Taxation(£100,000)18. Identity Theft(£100,000)19. Assistance

Beneficiary/beneficiariesIn respect of Sections 3, 4, 11, 12, 13, 14, and 15 the MemberIn respect of Section 1, 9 and 16 the Member and the Member’s cohabiting partnerIn respect of Sections 2, 5, 6, 7, 8, 10, 17, 18, and 19 the Member and:i) the Member’s cohabiting partner ii) children including stepchildren adopted children foster children and grandchildren normally resident with the Memberiii) the parents and grandparents of the Member and the Member’s cohabiting partner normally resident with theMember.




HOME EMERGENCY ASSISTANCE

Insured events- Breakdown of the main heating system (for boiler cover, boilers must be less than 15 years old)- Plumbing and drainage problems- Damage which affects the security of the home, including locks and windows- Breakage or failure of the toilet unit- Loss of domestic power supply- Lost keys- Vermin infestation- Roof damage

With one call an approved contractor will come to your home andmake emergency repairs. Our cover includes all of the followingdomestic emergencies:

Cover is provided 24 hours a day, 365 days a year:

Emergency Costsa) The contractor’s call-out chargeb) Contractor’s necessary labour up to three hoursc) Parts and materials up to £150 and where necessaryd) Alternative Accommodation costs up to £500e) Up to 3 claims per insured event in any policy yearThe maximum payable by the insurer is £1,000 for all claims related bytime or original cause.

Home EmergencyA sudden unexpected event which clearly requires immediate action inorder to:a) prevent damage or avoid further damage to the home, and/orb) render the home safe or secure, and/orc) restore the main services to the home, and/ord) alleviate any health risk.

Claims Helpline 0333 000 7808An excess of £25 is payable per claim.

Please Note - If you have a Home Insurance policy with Police Mutual, you can claims for Home Emergenciesthrough their policy with NO EXCESS PAYABLE.



Comprehensive motor breakdown coverfor you and your partner including:- Roadside Assistance/Recovery- Home Assist- Alternative Travel- Emergency Overnight Accommodation- Misfuel Assist- Lack of Fuel- Message Service- Caravans & Trailers- Keys

Your CoverIf a Vehicle in which you or your cohabiting partner aretravelling suffers a Breakdown due to a mechanical orelectrical failure, flat tyre, lack of fuel, misfuel,Accident, theft, vandalism or fire, service will beprovided. We will provide cover for any Breakdown inaccordance with the policy wording.

How to make a claim Call the 24 hour Control Centre on

01384 884 086Please have the name of the covered member, yourreturn telephone number, vehicle registration numberand precise location available when requestingassistance.

Covered VehicleThe car, motorcycle, campervan, motorhome (includingdomestic vans up to 3.5 tonnes), or car-derived vanwhich You or your cohabiting partner are travelling in/on at the time of the Breakdown including any towedcaravan or trailer of a proprietary make which is fittedwith a standard towing hitch and doesn’t exceed 7metres/23 feet (not including the length of the Aframeand hitch).

Any claim will be validated with the Police Federation,or other such administrative organisation, with costsfor any claims from non-eligible persons being theresponsibility of the claimant.

Cover will apply during the period of insurance andwithin the territorial limits. There is no age limit to thevehicle for breakdowns occurring in the UK.

Short Term European DiscountIf you require cover for a trip to Europe, a discountedpolicy is available by visitingwww.startrescue.co.uk/european. An additional 15%discount is available from the stated rates by enteringthe code POLICEFED0115 towards the end of thepurchase process.

UK MOTOR BREAKDOWN

The Philip Williams& Company BupaHealthcare Schemeoffers preferential rates foreligible police officers, policestaff and their dependants*

*Available to eligible current and retired police employees. For a couple or family, rateswill be based on the main applicant's age. The annual cost for your policy year will begiven in your quote. Monthly rates shown will be reviewed on 30 November 2018 and anychanges will then apply to renewals and new quotes taken out after that date. Quotesare valid for 14 days. All policies under this scheme renew on 1 December each yearand depending on the month you join the scheme, your initial period of cover may notbe a full year and your subscription rates and benefits may change on 1 December eachyear. Rates are inclusive of Insurance Premium Tax which may be subject to change.

• supporting you through cancer

• getting the help you need faster

• access to over 600 Bupa

accredited hospitals‡‡Access to eligible breakthrough cancer drugs and treatments often before they areavailable on the NHS or approved by NICE as long as they are evidence-based. WithBupa cancer cover, there are no time limits and all your eligible treatment costs arepaid in full for as long as you have Bupa Insurance. This is for eligible treatment onyour core health insurance when you use a facility from your chosen Bupa networkand a Bupa recognised consultant who agrees to charge within Bupa limits(a fee-assured consultant).

Compare the monthly rates

Age18–3435–5455–6465+

Single£40.19£63.31£75.49£170.45

Couple£80.36£126.63£150.98£340.92

Family£104.72£155.84£189.95£340.92

SingleParentFamily£63.31£97.40£116.88£267.86

visit us at

www.philipwilliams.co.ukor call 01925 861 034

You can download the policy

summary, details of the cost

and application form here

‡‡

Bupa Healthcarewith you in mind

Philip Williams & Company, 35 Walton Road, Stockton Heath, Warrington, Cheshire WA4 6NWPhilip Williams & Company Insurance Management is authorised and regulated by the Financial Conduct Authority for General Insurance mediation activities.

Bupa health insurance is provided by Bupa Insurance Limited. Registered in England and Wales No. 3956433. Bupa Insurance Limited is authorised by the Prudential Regulation Authorityand regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Arranged and administered by Bupa Insurance Services Limited, which is authorised and

regulated by the Financial Conduct Authority. Registered in England and Wales No. 3829851. Registered office: 1 Angel Court, London, EC2R 7HJ.

*

All calls are recorded.

35 Walton Road, Stockton Heath,Warrington, Cheshire WA4 6NW

Tel 01925 604 421Fax 01925 861 351www.philipwilliams.co.uk

Philip Williams and Company are authorisedand regulated by the Financial Conduct Authority.

PWI1995 02/18 v4
