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Fire Brigade Group Specified Illness Cover

Should you suffer a serious illness (regardless of whether or not this illness keeps you out of work sufficiently long enough to involve a loss of salary) the reality is that you may face significant extra expenses. The Plan recognises this fact by providing an additional benefit in the form of a once-off tax free lump sum of €30,000 in the event that you suffer a ‘Specified Illness’. The lump sum this benefit provides can be vital as extra cash is often needed to pay for medical bills, travel to and from hospital, pay for extra childcare, etc.

Members benefit


Specified Illness Benefit
The Fire Brigade Group Specified Illness Cover Plan covers 40 Specified Illnesses as listed on page 15 of the Fire Brigade Voluntary Protection Group Plans summary booklet.  This benefit provides a once-off lump sum of €30,000 if a member suffers from one of the illnesses listed.

Please contact Cornmarket on (01) 408 4195 for policy definition of each illness and its pre-existing conditions. Terms and Conditions apply.

Specified Illness Benefit – Partial Payment
Friends First has identified a further 10 less severe, but still life altering conditions that it will make an additional separate partial payment on (see listing in summary booklet). The benefit a member would receive should they suffer a Specified Illness covered under the Partial Payment section is €7,500.

Please contact Cornmarket on (01) 408 4195 for policy definition of each illness and its pre-existing conditions. Terms and Conditions apply.

Children’s Specified Illness Benefit
Friends First will provide an additional benefit to members in the form of Children’s Specified Illness Benefit. If a member’s child (aged 0 to 21 years) suffers one of the Specified Illnesses listed in the summary booklet, a once-off lump sum of €15,000 will be paid to the member.

If a member’s child (aged 0 to 21 years) suffers one of the Partial Payment Specified Illnesses listed in the summary booklet, a once-off lump sum of €3,750 will be paid to the member.

Please contact Cornmarket on (01) 408 4195 for policy definition of each illness and its pre-existing conditions. Terms and Conditions apply.

Click here for the Fire Brigade Voluntary Protection Group Plans summary booklet 

Click 'Join Now' or call us today on (01) 470 8078.

 

What do I need to know?

  1. Who is eligible to join the Fire Brigade Group Specified Illness Cover?
  2. How much does membership of the Fire Brigade Group Specified Illness Cover Cost?
  3. Do I get tax relief on the contributions that I make?
  4. Is there a survival period?

1. Who is eligible to join the Plan?

An employee of the Local Authorities within the Republic of Ireland who is engaged by the Local Authorities as a full-time member of the Fire Service and
Under age 55 and
Working for 8 hours or more per week and either employed on one of the following basis:
Full-time permanent or
Commenced a contract of definite duration (if you are in a temporary position your contract must be at least 12 months’ duration) and
An active member of a Civil or Public Service Superannuation Scheme.

2. How much does membership of the Fire Brigade Group Specified Illness Cover cost?

The cost of this plan is €2.96 per person, per week and will be collected through salary.

3. Do I get tax relief on the contributions that I make?

You are not eligible for tax relief on this contribution

4. Is there a survival period

Yes. If you suffer a Specified Illness and wish to claim, you must survive for a ‘minimum period’ after the date on which the illness was diagnosed or surgery took place, before any Specified Illness payment can be made. In the event of death within this period no Specified Illness Benefit is payable, subject to the admission of the claim. The relevant periods are:

  • 14 days for angioplasty (two or more arteries), aorta graft surgery, benign brain tumour, cancer, CJD, coma, coronary artery surgery, emphysema (chronic), heart attack, heart valve surgery, HIV/AIDS from blood transfusion or HIV/AIDS from physical assault, kidney failure, major organ transplant, motor neurone disease, multiple sclerosis, paralysis of two or more limbs, severance of two or more limbs, severe burns and stroke. 
  • 6 months for Parkinson’s Disease, Alzheimer’s disease, Dementia, and loss of sight.
  • 6 months for Bacterial meningitis in respect of children’s cover.
  • 12 months for loss of hearing and loss of speech.

Important note: You will not be eligible to make a claim for Specified Illness Benefit if the illness claimed for relates to a condition which you were already suffering from at the time of your application and/or where you were under medical investigation, whether or not you were aware of the condition at that time

Group Spouse/Partner Specified Illness Cover

The benefits and cost of the Fire Brigade Group Spouse/Partner Specified Illness Cover are the same as the Fire Brigade Group Specified Illness Cover – see top of page for details

What do I need to know?

  1. Who is eligible to join the Group Spouse/Partner Specified Illness Cover?
  2. How much does membership of the Group Spouse/Partner Specified Illness Cover Cost?
  3. Do I get tax relief on the contributions that I make?
  4. Is there a survival period for the Fire Brigade Group Spouse/Partner Specified Illness Cover?

1. Who is eligible to join the Fire Brigade Group Spouse/Partner Specified Illness Cover?

This plan is open to all Spouses/Partners* of members of the Fire Brigade Group Specified Illness Cover

*Definition of Spouse/Partner: Your Legal Spouse or your Registered Civil Partner; or a person with whom you are cohabiting in a long-term relationship, for 12 months or more at the date of application for cover; and that both of you are free to legally marry each other or enter into a Civil Partnership together. He/She must remain eligible in accordance with the foregoing to continue his/her cover so that at the date of your death he/she would be classified as belonging to one of the categories of person specified and, as such, be an eligible beneficiary.

Note: Your spouse/partner can only be a member of the Group Spouse/Partner Specified Illness Cover as long as you remain a member of the Group Specified Illness Plan.
[IMPORTANT: You must remain an employee of the Fire Brigade to remain an eligible member of the Plan. If your employment ceases you must inform Cornmarket in writing as you can no longer stay in the Plan, and you will not be able to claim from it.]

2. How much does membership of the Fire Brigade Group Spouse/Partner Specified Illness Cover cost?

The cost of this Plan is €2.96 per week and will be collected through salary.

3. Do I get tax relief on the contributions that I make?

You are not eligible for tax relief on this contribution.

4. Is there a survival period for the Fire Brigade Group Spouse/Partner Specified Illness Cover?

Yes. If you suffer a Specified Illness and wish to claim, you must survive for a ‘minimum period’ after the date on which the illness was diagnosed or surgery took place, before any Specified Illness payment can be made. In the event of death within this period no Specified Illness Benefit is payable, subject to the admission of the claim. The relevant periods are:

  • 14 days for angioplasty (two or more arteries), aorta graft surgery, benign brain tumour, cancer, CJD, coma, coronary artery surgery, emphysema (chronic), heart attack, heart valve surgery, HIV/AIDS from blood transfusion or HIV/AIDS from physical assault, kidney failure, major organ transplant, motor neurone disease, multiple sclerosis, paralysis of two or more limbs, severance of two or more limbs, severe burns and stroke. 
  • 6 months for Parkinson’s Disease, Alzheimer’s disease, Dementia, and loss of sight.
  • 6 months for Bacterial meningitis in respect of children’s cover.
  • 12 months for loss of hearing and loss of speech.

Important note: You will not be eligible to make a claim for Specified Illness Benefit if the illness claimed for relates to a condition which you were already suffering from at the time of your application and/or where you were under medical investigation, whether or not you were aware of the condition at that time

How to Join

Applying to join the Fire Brigade Group Specified Illness Cover and the Fire Brigade Group Spouse/Partner Specified Illness Cover is quick & easy. Simply complete the following steps to enjoy the security & peace of mind that the Plan provides!


STEP 1


Before submitting your application for membership of the Plan, we ask that you consult the Plan Summary Booklet & the Cornmarket Terms of Business, using the links below. This is to ensure that you fully understand how the Plan operates.
Click here for the Fire Brigade Voluntary Protection Group Plans summary booklet 
Click here for Cornmarket's Terms of Business


STEP 2

Print & complete the relevant application form
Fire Brigade Group Specified Illness Cover application form - Click here
Fire Brigade Group Spouse/Partner Specified Illness Cover application form – Click here

 

STEP 3

FREEPOST your completed application form to:
Cornmarket Group Financial Services Ltd,
FREEPOST F3976,
Christchurch Square,
Dublin 8.


Friends First Life Assurance Company Ltd. is regulated by the Central Bank of Ireland.

How to Claim?

A claim service you can trust…
Our Claims Team is specialised, well-informed and easy to talk to, and it will do all it can to help in your time of need. The claims team provides a vital ‘hand-holding’ function from start to finish of the claims process. So should you need to make a claim, you can rest assured that it will be dealt with in the efficient, professional and sensitive manner that you deserve.
[Note: You must remain an employee of the Fire Brigade to remain an eligible member of the Plan. If your employment ceases you must inform Cornmarket in writing as you can no longer stay in the Plan, and you will not be able to claim from it.]


Contact Us


Phone (01) 408 4018
Online Click here 
Post SPS Claims Department
Cornmarket Group Financial Services Ltd.
Christchurch Square
Dublin 8