Member education sessions
On-station briefings that walk every member through the trigger list, the diagnosis-day checklist, and the direct-pay mechanics — so the policy is understood before it is needed.
Get a QuoteInsurance Programs / Member Benefits
Cancer + Critical Illness Coverage.
Lump-sum benefits triggered on diagnosis of cancers presumptively linked to firefighting — plus stroke, heart attack, and major organ events. Pays the member directly, with no reimbursement paperwork and no fight about what the carcinogen exposure log looked like in 1998.
- Presumptive cancers, paid on diagnosis
- Heart attack, stroke, and major organ events
- Tenure thresholds and exclusions
Three coverage areas every IAFF representative and volunteer trustee should already understand — written so the answer is on the page, not in a footnote.
What's Inside Cancer + Critical Illness
The Coverage, Without the Jargon.
Three coverage areas every IAFF representative and volunteer trustee should already understand — written so the answer is on the page, not in a footnote.
Lump-sum benefits paid on diagnosis of the 15 cancers presumptively linked to firefighting under state law — including testicular, mesothelioma, multiple myeloma, leukemia, and non-Hodgkin lymphoma. No exposure log, no apparatus assignment history, no proof of which fire caused the cell change.
Bundled With Cancer + Critical Illness
The Services That Come With It.
Four services bundled with every Cancer + Critical Illness program — because the policy is the floor, not the ceiling, of what a department owes its members.
Diagnosis-day concierge
Within 24 hours of a confirmed diagnosis, our advocate calls the member, files the claim, and confirms the lump-sum payment timeline. No forms mailed to the station.
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Family financial planning
A complimentary consultation with a financial planner who specializes in fire and EMS benefit stacking — so the lump sum is used the way the family actually needs it.
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Carcinogen exposure log
An optional carcinogen-exposure tracking program for the department, supporting future workers comp presumption claims and state-level legislative work.
Get a QuoteHow It Works
From First Call to Bound Policy.
A three-step process designed so a diagnosis is met with a check, not a clipboard.
01
Roster eligibility & enrollment
Every member completes a one-page enrollment with a tobacco statement and pre-existing condition disclosure. The carrier underwrites at the department level, not member by member.
02
Benefit tier selection
The department selects a base benefit ($10K, $25K, or $50K) and an optional member-paid buy-up tier up to $100K, with critical-illness riders priced separately.
03
Bind and brief
We bind coverage, hold an on-station briefing for every shift, and provide each member with a wallet-sized claim contact card. The first call after a diagnosis goes to one number.
Why Cancer + Critical Illness With VFIS
The Specialty Difference.
A presumptive cancer law does not pay a member. A presumptive cancer law makes a workers comp claim survivable. The lump-sum cancer benefit is what makes the diagnosis itself survivable — mortgage paid, kids in school, treatment chosen on its merits instead of its cost.
Tobacco riders, tenure thresholds, diagnosis-date triggers, and the stacking math with workers comp and group life — all underwritten by people who have run hundreds of these claims and know which carrier language pays and which carrier language fights.
Get a QuoteFAQs
Questions About Cancer + Critical Illness.
The four questions chiefs and boards ask most before binding Cancer + Critical Illness — or before switching it onto an existing VFIS account.
Every active member of a covered fire, EMS, or rescue organization. Probationary members are eligible from day one; benefit activation typically requires a 12-month tenure threshold.
Ready When You Are
Bring Cancer + Critical Illness to Your Department.
A side-by-side comparison of three benefit tiers — $10K, $25K, and $50K base, with heart and stroke rider — and the per-member-per-year math your board needs to vote on it.