Reserve/Auxiliary Deputy Sheriff Insurance
Protection for those who volunteer to protect us.
Reliable insurance protection in the event of a life-altering accident is essential, especially for reserve and auxiliary law enforcement personnel who may not be covered under workers’ compensation.
An Accidental Death & Dismemberment and Accident Medical benefit (ADD+Me) offers some of this protection to reserve and auxiliary deputy sheriffs for a covered injury, paralysis, or death resulting from a covered accident while on-duty.
What are the benefits?
If a reserve/auxiliary law enforcement officer is injured while on duty, the policy pays a lump sum for accidental loss of life, limb, sight, speech, or hearing. In addition, the policy will also pay (up to the policy limit) the cost of treating an accidental injury.
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Bereavement and Trauma Benefit​
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Child Care Center Benefit
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Coma Benefit
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Disability Benefit (Temporary Total Disability)
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Weekly Benefit Amount: $300
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Max Benefit Period: 52 Weeks
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Emergency Medical Benefit
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Emergency Medical Evacuation Benefit
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Home Alteration and Vehicle Modification Benefit
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Rehabilitation Benefit
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Seat belt and Airbag Benefit
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Special Education Benefit
Additional riders include:
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The following examples are real claims in which a reserve or auxiliary deputy sustained injuries, and incurred thousands of dollars in medical expenses that were not covered under workers' compensation.
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Hydroplaned a patrol vehicle into a private residence.
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Patrol car was involved in a head-on collision.
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Stepped on a sharp object, puncturing tactical boot, while in foot pursuit.
In each of these examples, the reserve or auxiliary deputy took advantage of the insurance policy and received a benefit for the medical expenses incurred.
Claim Examples:
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