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Kent Police Federation Personal Accident & Sickness Benefit Scheme Summary of Cover The Kent Police Federation offers this scheme for the financial security the benefits provide to members. The objective is to supply a package to help look after Officers’ accident and sickness insurance needs throughout their service with the Force. You’re covered for a range of benefits for just one basic monthly contribution, paid direct from salary. Premiums and the benefits may vary from time to time with the agreement of your Federation. Payments are made to members tax-free (under current legislation). Benefits are summarised on the following pages; for full details, please refer to the policy held by the Federation office. The scheme is administered on behalf of the Federation by Stuart Harvey Insurance Brokers Ltd. Who is covered? Any serving member of the Kent Police Federation who is paying contributions into the scheme by salary deduction (see scheme code ‘PAI’ on your pay slip). Who can join? How much does it cost? To join, you must have been actively at work, not on recuperative duties, in the eight weeks prior to making your application. Membership is open to any serving Officer of Kent Police who is contributing to the Federation’s voluntary fund, Superintendent’s Association or ACPO. The present premium is £6.20 per month. New recruit applicants are covered free of charge until they complete their first year of service, so long as they have signed to join the scheme on induction to the Force. How do I join? Contact the Federation Office at 66 & 67 Queen Elizabeth Square, Sutton Road, Maidstone, Kent, ME15 9BZ or call them on 01622 652250. Your demands and needs and Stuart Harvey Insurance Brokers This scheme is designed to meet the demands and needs of a Police Officer requiring personal accident and sickness cover. It is your responsibility to make sure the cover is adequate for you. Stuart Harvey Insurance Brokers Ltd offer members of Kent Police Federation this product only. You will not receive advice or a recommendation from us and we will not charge you a fee for our services. Accident Benefit (Effective from 1st November 2007) 24 hour Worldwide cover, on or off duty. If a member suffers bodily injury due to an accident, he/she may be off work as a result. Typical examples include RTA’s and assaults. Benefit is paid for up to two years from the date of the accident. Cover is provided for accidents occurring during the period of insurance. If a scheme member suffers an accident leading to disablement, benefit will be paid as follows: Death £NIL Loss of limb or sight of one/both eyes £24,000 Loss of speech £24,000 Loss of hearing (both ears) £24,000 Loss of hearing (one ear) £6,000 Occupationally acquired HIV £24,000 Permanent Total Disablement from any £48,000 occupation with 2 years Permanent Total Disablement from usual occupation within 2 years up to £24,000 Temporary Total Disablement from your usual occupation – up to 104 weeks £42 per week Excludes first 7 days Repair or provision of dentures and dental treatment as a result of an accidental bodily injury up to £500 Other benefits may be payable for more minor injuries (eg loss of fingers or toes), contact Stuart Harvey for details. If pay is reduced under Police Sickness Regulations, see Sickness Benefit below. £42 per week Temporary disablement benefit will continue to be allowed if pay is not reduced, for up to two years from the date of the Accident. An Accident is a sudden violent external unforeseen and identifiable event which is the sole cause of the bodily injury. Benefit is not payable if the injury is the result of normal bodily movement, sickness, disease or any gradually operating or degenerative condition. Sickness Benefit (effective if cut in pay on/after 1st November 2007) Under Police Sickness Regulations, the Chief Constable can cut Officers’ pay to half if they accumulate six months sickness in a rolling year. After 12 months absence, pay may be cut to nil. Experience has shown that the Force will exercise its right to cut Officers’ pay in most cases. This part of the scheme is intended to provide a partial top-up of income if pay is cut to half or nil under Sickness Regulations. Temporary disablement from your usual occupation payable for up to 9 months if salary is reduced to 50% or £NIL £190 per week New scheme members can only claim sickness benefit after completion of six months actively at work. If a member claims the maximum sickness benefit, they cannot claim again for the same or a related condition until they have accrued a further 183 days back at work. Unrecovered Criminal Court Compensation (following assault) Following assault of a member, compensation may be awarded at court against the assailant. This often goes unpaid. If unpaid for over six months from the date of the award, a maximum of £250 per award can be claimed from the benefit scheme. How to Claim All claims must be logged with Stuart Harvey as soon as practicable. Claim forms can be obtained from the Federation office. q Claims for Accident benefit must be notified within six months of the accident date. q Claims for Sickness benefit must be notified within six months of pay being cut. q Claims for Court Compensation must be made within eighteen months of the award being made. Terms & Exclusions q War, suicide/intentional self injury, private flying, service with the armed forces and professional sports activities are excluded. q Terrorism is covered including CBRN incidents q A policy limit of £7.5m applies to all claims arising from any one event. q Where a pre-existing condition has contributed towards Permanent disablement, the insurers reserve the right to negotiate a settlement for a reduced sum, to reflect the extent to which this condition has affected the claim. q Conditions apply regarding documentation for claims for occupationally acquired HIV. q Cover ceases on the first to occur of non-payment of premium or retirement. Regulatory Information This is a summary of the personal accident & sickness scheme; it does not include the full terms and conditions. It is a non-investment insurance policy, underwritten by Aviva Insurance Ltd and Axiom Underwriting Agency Ltd and is subject to English Law. Members do not have rights under the Contracts (Rights of Third Parties) Act 1999. The full terms are contained in a policy issued by the insurers. You may cancel your cover at any time by stopping your salary deductions, but if you later wish to rejoin the scheme, pre-existing condition exclusions will apply. If you have any queries or need further information, call Stuart Harvey on 01256 769966. The scheme is administered by Stuart Harvey Insurance Brokers Ltd. They are Kent Federation’s appointed insurance brokers for this scheme and are regulated by the Financial Services Authority (FSA registration number 301858). Scheme terms and conditions may vary from time to time with the agreement of the Secretary of the Kent Police Federation. Complaints In the first instance, please raise any complaint with Stuart Harvey Insurance Brokers Ltd Acorn House London Road Hook Hampshire RG27 9DY Telephone 01256 769966 If you remain dissatisfied, you may complain to The Chief Executive, Norwich Union PO Box 83 Surrey Street, Norwich NR1 3JP Complaints which cannot be settled can be referred to Financial Ombudsman Service, South Quay Plaza 183 Marsh Wall London E14 9RS Telephone 0845 080 1800 In the unlikely event that the insurers are unable to meet their liabilities, you may be able to claim compensation from the Financial Services Compensation Scheme (FSCS). Further information on this can be obtained from the FSA or the FSCS. STUART HARVEY INSURANCE BROKERS LTD 01256 769966 www.stuartharvey.uk.com