THIS IS A BRIEF SUMMARY ONLY OF THE CURRENT
INSURANCE ARRANGEMENTS
GROUP LIFE ASSURANCE SCHEME
Providing
life insurance cover for Member and (optional) spouse.
Benefit: Member: £100,000
+
(Optional) Spouse: £50,000
this includes a terminal
illness advance facility for payment of up to 75% of the sum assured on
confirmed diagnosis.
GROUP PERSONAL ACCIDENT
& SICKNESS SCHEMES
CAPITAL SUMS EARLY RETIREMENT
Providing
a lump sum on ill-health retirement from the police.
a) Eyes, limbs, permanent total
disablement from any occupation: £50,000
b) Unable to discharge duties of a police
officer:-
A member with up to 13 years service £15,000
A member with between 13 and 20
years service £10,000
A member with between 20 and 26 ½
years service £5,000
A member with between 26 ½ years and
30 years service £2,000
A member with between 30 + years
service £1,000
c) Extended to include critical illness
conditions (detailed below)
Member £25,000
+
(Optional) Spouse: £25,000
Alzheimer's Disease Heart
Attack Motor Neurone Disease
Bacterial Meningitis HIV
and Blood Transfusion Multiple
Sclerosis
Blindness Kidney Failure Parkinson's Disease
Burns Loss
of Hearing Stroke
Cancer Loss
of Speech Terminal Illness
Coronary Artery Disease Surgery Major Organ Transplant
WEEKLY BENEFITS SCHEME
Providing
weekly payments for a member whose pay entitlement is reduced due to sickness
absence from work.
The first 26 weeks of half pay: £150 per week
The next 52 weeks of no pay: £300 per week
TRAVEL INSURANCE SCHEME
Providing
annual travel cover for the member, the member's spouse or partner and children
up to 21. (This policy has been recently renewed subject to minor changes to
the policy document which are enclosed and should be retained with the policy
document already issued)
All Members have been issued with a policy document
and henceforth, additional copies will be available for a nominal fee of £1.00
which will be paid into the Benevolent and Welfare Fund.
LEGAL EXPENSES INSURANCE SCHEME
Providing: Civil Pursuit: Motor
Personal Injury, Motor Uninsured Loss, Death & Personal Injury,
Purchase
Goods.
Civil
Defence: Third Party Injury or Damage, Data Protection and
Race & Sex Discrimination and Health & Safety Legislation.
Criminal Defence: Motor
Prosecution and Criminal Prosecution.
Stress Counselling: HELPLINE
- 08705 234999
Legal Advice: HELPLINE - 08705 234500
Providing cash back benefits for dental, optical, hospital
etc. treatment for Member, optional spouse and children (free). Amounts vary
dependent on level of cover adopted.
NOTE: This is only intended as a broad summary of
the insurance covers provided - fuller details can be obtained from:
Gordon
Carmichael, Carmichael & Partners, 13 Rubislaw Terrace, Aberdeen, AB10
1XE Telephone: 01224 638858
