Alabama First Responders Benefits Program

Firefighter Cancer & Disability Coverages

Request A Quote

To request a quote for your Fire Department, please complete and email your Quick Quote Form to This email address is being protected from spambots. You need JavaScript enabled to view it. and a member of our team will be happy to assist you.

Firefighters Take on Risk,
We Have Their Back

It’s a well-known fact that certain types of cancer are a health risk for firefighters, and with a cancer diagnosis comes major costs.

Thanks to Alabama law, ACT 2019-361, eligible Firefighters throughout the State of Alabama are now entitled to enhanced Cancer and Disability Coverages provided by their municipality, county, public entity, or fire district, for both Career Paid and Volunteer Firefighters. Alabama First Responders Benefits Program provides multiple options for both Career Paid Firefighters and Volunteer Firefighters, in an effort to help protect our Firefighters and their families.

Specifically Designed by Firefighters, for Firefighters

Recovery should be the focus when a cancer diagnosis occurs. Coverage with FRBP helps make that possible. This program offers different options for coverage, each designed to help provide financial support for eligible Firefighters diagnosed with cancer.

Who is Eligible?

All State of Alabama firefighters who’ve:

Served at least 12 months of consecutive service.
Serve as an active Firefighter in a role as a Career Firefighter or Volunteer Firefighter.

What Types of Cancer are Covered?

Under the Basic Plan, covered cancers include bladder, blood, brain, breast, cervical, esophageal, intestinal, kidney, lymphatic, lung, prostate, rectum, respiratory tract, skin, testicular, and thyroid cancer, leukemia, multiple myeloma, Hodgkin’s lymphoma, and non-Hodgkin’s lymphoma. The Enhanced Plan covers all cancers.

Lump-Sum Cancer Coverage Benefits

$6,250 per diagnosis for non-evasive forms of cancer as defined in the policy.
$25,000 per diagnosis for one of the named forms of cancer as defined in the policy.
$250 once per lifetime for non-melanoma skin cancer.

Long-Term Disability Coverage Benefits

$1,500 per month for Qualified Volunteer Firefighter
$3,000 per month for Career Firefighter
36-month maximum

*The above information is a summary only. See full proposal or sample policy for all coverage details.

Educational Resources

Alabama First Responders Benefits Program offers materials to help you during this process, including:

Additional Benefits

Flyers, press releases, brochures, and firefighter booklets for summary of coverages.
Dedicated support staff to answer coverage questions for you and your family members.
Dedicated email address and phone number for quoting, cost, and coverage questions.
Simple quoting submission process and submission form.

Claims Process

Detailed instructions on how to file a claim.
Dedicated support staff to help you file a claim.
Dedicated phone number and email for claims support.
Claims forms provided under "Resources" section.

Cancer Awareness and Prevention

Materials on cancer risks and prevention may be found under the Education tab.

This limited health benefit plan (1) does not constitute major medical coverage and (2) does not satisfy the individual mandate of the Affordable Care Act (ACA) because the coverage does not meet the requirements of minimum essential coverage. Long Term Disability coverage provided under this program may coordinate with other disability insurance coverages. This policy provides limited benefits health insurance only. It does NOT provide basic hospital, basic medical, or major medical insurance.

The Alabama First Responders Benefits Program (FRBP) "the Program" is provided by First Responders Insurance Company, Inc. (FRIC), an Alabama based insurance company licensed in the State of Alabama through the Department of Insurance. Actual Program benefits, rates, terms, and conditions are subject to change based on regulatory requirements and changes in employer operations or information. The information contained herein is intended to provide a summary of coverages, and does not include all of the policy terms, conditions, limitations, and exclusions which provide the full detail of coverages and take precedence over the information contained herein.