CAMBRIDGESHIRE POLICE FEDERATION - polfed.org · cambridgeshire police federation ... retired...

CAMBRIDGESHIREPOLICE FEDERATIONGROUP INSURANCE SCHEME

SCHEME BENEFITSEffective from 1 December 2016

2 Police Federation Group Insurance Scheme

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

USEFUL TELEPHONE NUMBERS

Federation Office 01733 424 167

Worldwide Travel Insurance Policy Number VOY/PWCAM/2016

Emergency Medical Assistance Service (24 hours) +44 (0) 2920 468 794

Non-Emergency Claims 01925 600 842 during office hours [email protected]

Motor Breakdown Cover (UK) 0333 600 7347 (Europe) +44 1206 714 372

Home Emergency 0333 600 7369

Legal Expenses 01384 887 594 (quote LES/256/1621)

Mobile Phone Cover 0344 412 0982

Philip Williams & Company 01925 604 421

Police Federation Group Insurance Scheme 3

SERVING MEMBER TO AGE 65Life Insurance £130,000Terminal Prognosis Advance on Life Insurance* 20% of Sum InsuredPermanent Total Disablement (due to accident) £100,000Accidental Loss of Use Benefit

Eye, Limb or Hearing in both ears £20,000Hearing in one ear £5,000

Hospitalisation Benefit up to 7 nights £28 per nightTemporary Total Disablement (excluding first 14 days up to 104 weeks) £28 per weekSick Pay Benefit (up to 26 weeks) 20% Scale PayCritical Illness £10,000Child Critical Illness £2,000Child Death Grant £2,000Family Travel Policy WorldwideDental Injury & Emergency Member & PartnerHome Emergency IncludedLegal Expenses and ID Theft Protection IncludedMotor Breakdown (UK and Europe) Member & PartnerMobile Phone Member & PartnerCALENDAR MONTHLY PREMIUM £22.95

COHABITING PARTNER TO AGE 65Life Insurance £60,000Terminal Prognosis Advance on Life Insurance* 20% of Sum InsuredCritical Illness £5,000CALENDAR MONTHLY PREMIUM £6.50

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

SERVING MEMBER BENEFITS

Please note that upon retirement, the benefitsapplicable are shown overleaf.Further information is available at the memberservices area of the federation websitewww.cambridgeshire.polfed.org


RETIRED MEMBER BENEFITS

RETIRED MEMBER AGED UNDER 60Life Insurance £50,000Terminal Prognosis Advance on Life Insurance 20% of sum insuredFamily Travel Policy WorldwideLegal Expenses including ID Theft Protection IncludedDental Injury & Emergency Member & PartnerHome Emergency IncludedMotor Breakdown (UK and Europe) Member & PartnerCALENDAR MONTHLY SUBSCRIPTION £27.95

RETIRED MEMBER AGED 60–64 (INCLUSIVE)Life Insurance £25,000Terminal Prognosis Advance on Life Insurance* 20% of sum insuredFamily Travel Policy WorldwideLegal Expenses including ID Theft Protection IncludedDental Injury & Emergency Member & PartnerHome Emergency IncludedMotor Breakdown (UK and Europe) Member & PartnerCALENDAR MONTHLY SUBSCRIPTION £27.95

RETIRED MEMBER AGED 65–69 (INCLUSIVE)Life Insurance £5,000Family Travel Policy WorldwideLegal Expenses including ID Theft Protection IncludedDental Injury & Emergency Member & PartnerHome Emergency IncludedMotor Breakdown (UK and Europe) Member & PartnerCALENDAR MONTHLY SUBSCRIPTION £29.35


COHABITING PARTNER AGED UNDER 60 OF RETIRED MEMBERLife Insurance £25,000Terminal Prognosis Advance on Life Insurance 20% of sum insuredCALENDAR MONTHLY SUBSCRIPTION £7.70

COHABITING PARTNER AGED 60 TO 64 (INCLUSIVE) OF RETIRED MEMBERLife Insurance £12,500Terminal Prognosis Advance on Life Insurance* 20% of sum insuredCALENDAR MONTHLY SUBSCRIPTION £7.70

COHABITING PARTNER AGED 65 TO 69 (INCLUSIVE) OF RETIRED MEMBERLife Insurance £2,500CALENDAR MONTHLY SUBSCRIPTION £8.20

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


Applying to joinServing officers can apply to join thescheme at any time by completing amedical underwriting application formwhich is available from the FederationOffice. The first three monthlysubscriptions are free of charge whenjoining the scheme for the first time.New student officer recruits to thepolice service may join the schemewithout the need for the completionof the medical underwritingapplication form and their first 104weeks 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 scheme andto qualify for any benefits.

InsurersA list of the insurers is available onrequest. Full policy wordings forcertain policy sections are availableto download via QR codes. Thesemay 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 contact theFederation Office.

Cohabiting Partner ExtensionsAny cohabiting partner extension willcease when the Serving member orcohabiting partner reach 65 years ofage (70 years for retired members),whichever is the sooner. Anycohabiting partner cover and/orextension will cease when themember ceases to be a member ofthe scheme.

Career breaks, maternityleave, secondment or livingoverseasThose going on a career break,maternity leave, secondment or areliving overseas must contact theFederation Office to identify if cover canbe maintained.

Retirement fromthe Police ServiceServing officers upon retirementmay remain in the scheme as aretired member by submitting acompleted membership continuationform to the Federation Office priorto retirement.

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 in thescheme and all membership andbenefits will cease including anycohabiting partner extension.

Complaints procedureThe Federation Insurance Scheme is arranged on behalf of the trusteesby Philip Williams and Company who are authorised and regulated by theFinancial Conduct Authority (Registration Number 308860). The trusteesare responsible for organising the policies and dealing with the insurancebroker. Any complaints about any aspect of the scheme should in the firstinstance be directed to the Federation Office. The insurance broker willthen be asked to investigate the complaint and resolve any matter eithervia the Federation Office, directly with the member, or through theappropriate underwriting organisation.

Therefore if you have any complaints about the Federation Insurance Schemeplease contact the Federation Office on

01733 424 167Or simply write, giving details of your complaint to The Secretary, PoliceFederation Office, Yaxley Police Station, 1 Queen Street, Yaxley, Peterborough,Cambridgeshire PE7 3JE

Should you remain dissatisfied then you may ask the FinancialOmbudsman to investigate your complaint. Please contact the FinancialOmbudsman Service by telephoning 0300 123 9123 or by downloadingthe complaint form from www.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 having to wait for probate.Members should ensure that they have an up-to-datebeneficiary nominated and have lodged the detailswith the Federation Office, to assist the Trustees in theevent of a claim. If a member aged 63 or underreceives a terminal prognosis of 12 months or less,they may apply to the Trustees for an advance of thedeath benefit of 20% of the relevant sum insured.

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

Permanent Total DisablementPayable on the Permanent Total Disability ofa member provided that such disability occursas 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

Hospitalisation Benefit- Payable when admitted as an in-patient to hospital in the UK between midnight and 07.00- Unplanned admission arising from accident

Sick Pay Benefit (Regulation 28 cover)If a member suffers a pay cut under regulations orterms of employment, the benefits illustrated on thescheme benefits table will become payable after 26weeks absence.

Please note: If full pay is reinstated and back dated,the benefits received during the applicable periodMUST be repaid.

Temporary Total Disablement(including Post Traumatic Stress Disorder)This Benefit is payable on the temporary total physicaldisability of a member provided that such disabilityoccurs as the direct result of an accident and results inabsence from work within 90 days of the date of theaccident. All claims must be notified within 90 days ofinitial absence. Benefit will also be paid under thissection if a member suffers Post Traumatic StressDisorder as a result of attending an incident on policeduty. Such Post Traumatic Stress Disorder must bethe clear result of a single incident that wasdocumented in the police records and be of sufficientseverity to prevent the performing of the usualoccupation. The Benefit in respect of any oneAccident shall not be paid for more than the Benefitperiod. No benefit shall be paid for any period ofabsence commencing more than 365 days from thedate of accident.

Level of benefit is fixed at level applying at date oforiginal accident.

This Benefit is calculated on the basis of a seven dayweek or proportion thereof.


CRITICAL ILLNESS


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

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

A pre-existing conditions exclusion applies together with other terms and conditions. Critical illness benefit ispayable once only in respect of conditions in a common group. Some illnesses may belong to more than onegroup, as shown above and in the full policy wording.

- Alzheimer’s disease – resulting in permanent symptoms (group C)- Aorta graft surgery – for disease (group A)- Bacterial meningitis – resulting in permanent symptoms (group C)- Benign brain tumour – resulting in permanent symptoms (group B)- Blindness – permanent and irreversible (group A&C)- Cancer – excluding less advanced cases (group B)- Coma – resulting in permanent symptoms (group A&C)- Coronary artery bypass grafts – with surgery to divide the breastbone (group A)- Creutzfeldt-Jakob disease (group C)- Deafness – permanent and irreversible (group A&C)- Heart attack – of specified severity (group A)- Heart valve replacement or repair – with surgery to divide the breastbone (group A)- HIV infection/Hep B virus – contracted from a blood transfusion, physical assault or an incident occurring whist performing Police Duties (group C)- Kidney failure – requiring dialysis (group C)- Loss of hands or feet – permanent physical severance of 2 or more hands or feet in any combination (group A&C)- Loss of speech – permanent and irreversible (group A&C)- Major organ transplant - undergoing of surgery or inclusion on official UK waiting list (group A)- Motor neurone disease – resulting in permanent symptoms (group C)- Multiple sclerosis – with persisting symptoms (group C)- Paralysis of limbs – total and irreversible (group A&C)- Parkinson’s disease – resulting in permanent symptoms (group C)- Severe burns – first-degree burns covering at least 60% of the total body surface area or second-degree burns covering at least 40% of the total body surface area or third-degree burns covering at least 20% of the total body surface area (group C)- Stroke – resulting in permanent symptoms (group A)- Traumatic head injury - resulting in permanent symptoms (group A&C


This policy covers the member, their cohabitingpartner and any number of their unmarrieddependent children under 18 or 22 years if infull time education, all normally resident in thefamily home, for any number of trips in anyyear up to 60 days per trip. It covers travelworldwide and also in the United Kingdom.Cover for children will cease on their 18thbirthday or 22nd birthday if in full time education.

The main sections of cover are:- Cancellation and curtailment up to £5,000- Emergency medical expenses up to £5,000,000- 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 policyfor full details.

In the case of medical emergencyplease contact our nominatedemergency service, GlobalResponse, ontelephone number+44 (0) 2920 468 794Email [email protected] quote VOY/PWCAM/2016

Other claims should be reported toPhilip Williams and Company on

01925 600 842(9am–5pm Mon–Fri)

Email [email protected] Walton Rd,Stockton Heath,Warrington,Cheshire WA4 6NW

Main conditions and exclusionsThe policy will not cover you if any of the followingapply to you, a travelling companion, an immediaterelative, close business associate or someone uponwhom your trip depends whether they are travellingwith you or not (including any third party with whomyou may be staying on your trip):

1. You/they were aware of any reason why the tripcould be cancelled or curtailed.2. You/they were travelling against the advice of amedical practitioner or in order to get medicaltreatment abroad.3. You/they have been diagnosed as having a terminalillness.

If there is any change in a person’s health between thedate the policy is issued and the start date of a trip youmust still comply with the Health Warranty. If you areunsure please notify Philip Williams & Co immediately.

An excess of £50 is applicable for most policy sections.The excess is payable per person, per section, perinsured incident subject to a maximum of £100.

There are significant limitations and exclusions of coverfor property, including valuables and money, that is leftunattended or out of your immediate control andsupervision. Please also note the requirements fornotifications of loss/theft and the need for reports.

Full policy terms and conditions have been madeavailable. If you require further copies please contactthe Federation Office.

FAMILY TRAVEL POLICY



LEGAL EXPENSES


Some important facts about the Professional Fees policy are summarised below. This summary doesnot describe all of the terms and conditions of the policy. All references below to the cover providedare contained within the full policy wording. Please note that a full policy wording is available foryour inspection at the Federation Office upon request.

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

01384 887 594for initial advice and further instructions in how to make a claim.Please quote scheme number LES/256/1621

Identity Theft Assistance and Claims

01384 377 000Debt Advice Helpline

01384 884 085Arranged 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 and Debt Advice(£1,000)16. Education(£100,000)17. Taxation(£100,000)18. Identity Theft(£100,000)19. Assistance

Beneficiary/beneficiariesIn respect of Sections 3, 4, 9, 11, 12, 13, 14, and 15 the MemberIn respect of Section 1 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 theMemberiii) the parents and grandparents of the Member and the Member’s cohabiting partner normally resident with theMember.


HOME EMERGENCY ASSISTANCE

Insured eventsCover is provided for domesticemergencies for the followinginsured events:- Plumbing and drainage- Internal Electricity, Gas, and Water Supplies - Security- Lost Key - Primary Heating System - Pest Infestation - Roofing- Boiler Replacement Contribution- Overnight Accommodation

This policy provides immediate assistance in the event of adomestic emergency. Home emergencies can be stressfuland sometimes difficult to resolve, but with Home EmergencyAssistance you will have peace of mind knowing that we arewith you every step of the way, by not only appointing asuitably qualified contractor to attend your home but alsomeeting the costs associated with this.

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

Claim Limit(s)The amount We will pay in respect of any one claim and during any onePeriod of Insurance. For Emergency Work the cost shall be limited(inclusive of VAT) to:i) The Contractors call-out chargeii) The Contractors labour up to a maximum of three hoursiii) Parts and materials up to £150 iv)Contribution to alternative heating purchased or hired up to £50v) Boiler Replacement Contribution up to £150vi) Alternative Accommodation up to £250Subject to a maximum Claim Limit of £1,000 for each claim related by timeor original cause.

Home EmergencyA sudden and unforseen situation which if not dealt withquickly and without reasonable intervention by you would:i) render the Property unsafe or insecure; orii) damage or cause further damage to the Property; oriii) cause significant discomfort, risk or difficulties for or to You

Claims Helpline 0333 600 7369



This policy provides cover for Dental Expensesin the event of:- Dental Injury- Emergency Dental Treatment- Dentist Call-out Fees- Hospitalisation- Mouth CancerDefinitions are shown in the full policy wording.

Making a claim No prior authorisation is required. Undergo the treatment, 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.

DENTAL INJURY & EMERGENCY




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

How to make a claim If the car, motorcycle, campervan/motorhome/non-commercial van under 3.5 tonnes you or yourcohabiting partner are travelling in or any caravan ortrailer of a proprietary make you are towing which isfitted with a standard towing hitch and does notexceed 7 metres/23 feet suffers a breakdown causedby a mechanical or electrical failure, misfuel, lack offuel, accident, theft, vandalism, fire, or flat tyrewhich immediately renders the vehicle immobilised,please call our 24 hour Control Centre on

telephone 0333 600 7347 or 01206 714 372For assistance in mainland Europe please call

+44 1206 714 372Please have the name of the covered member,your return telephone number, vehicle registrationnumber and precise location available whenrequesting assistance.

0333 numbers are chargeable at a local rate includingfrom mobile telephones. They are usually included innetwork providers “free minute” packages. Pleaseprogram the Control Centre’s telephone number in youand your partner’s mobile telephones.

All use of this service is available for the coveredmember and their partner. We consider a ‘partner’ anyperson married, civil partnered, or cohabiting with thecovered member at the time of the incident. Any claimwill be validated with Philip Williams and Company, orother such administrative organisation, with costs forany 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 thecar, motorcycle, or car-derived van for breakdownsoccurring in the UK. A vehicle age limit of 10 yearsapplies outside the UK.

For details and a list of European counties coveredplease see the full policy wording.

UK AND EUROPEAN MOTOR BREAKDOWN



Covered individualsThis cover is provided for:- Serving members and their cohabiting partners

Please note that this policy does not cover mobilephones used by members' or partners' children, even ifthe bill is paid by the member or partner.

Cover applies to UK residents only.

Claims notificationIf you need to make a claim please contact BrightstarInsurance Services B.V. (UK Branch), Weston Road,Crewe, CW1 6BU.

Telephone number0344 412 0982Please refer to full policy terms and conditions priorto making a claim.

Your mobile phone is covered against the repair orreplacement cost of your mobile phone in the event of:- theft- accidental loss - accidental damage- breakdown whilst in your possession

The liability of the insurer in respect of any one claimand in aggregate for any 12 month period will be therepair or replacement cost of the mobile phone and inany event shall not exceed a total claim cost up to amaximum of £1000 including VAT.

A £75 excess is payable per claim.

The mobile phone should have a fully functioning SIMcard and be no more than 8 years old at the time of theincident as evidenced by the relevant proof ofownership. Upon acceptance of a claim, the insurermay at its discretion repair or replace your mobilephone. Replacement may be with a refurbished unit ora functionally equivalent product.

If the claims administrator replaces your mobile phone,your original item becomes the insurer’s property andthe replacement mobile phone is your property, withcoverage for that item continuing for the remainingperiod of insurance.

The maximum liability limit includes cover of up to£750 including VAT for unauthorised data usage for aperiod of up to 24 hour directly following a valid theftor accidental loss claim.

Please note any claim involving theft or accidental lossmust be reported to the appropriate police authoritieswithin 48 hours.

MOBILE PHONE

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.

PWI1804 11/16 v5


CAMBRIDGESHIRE POLICE FEDERATION - polfed.org · cambridgeshire police federation ... retired...

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