The Benefits of the Group Insurance Scheme
The Group Insurance Scheme Provided by the South Wales Police Federation
These are some of the benefits of the Group Insurance Scheme for serving officers. You are paying for these benefits.....so make use of them!
Call Assist Breakdown Cover
With effect from 30th November 2011, contributions to the Group Insurance Scheme will increase from £20.95 to £21.85 per calendar month. This change will automatically occur in the November pay unless individuals specifically withdraw from making contributions.
The reason for the increase is that the South Wales Police Federation has negotiated the inclusion of 'Police Federation Rescue' which is.....
Click here for more
Life Insurance
On death of a member or spouse/partner who are covered under the scheme the cash benefit detailed in the current benefits table will be paid (currently £110,000 for the member and £55,000 for partner/spouse). The policy is written in Trust so that if a member dies, the proceeds can be paid, by the Trustees, to the member's dependants quickly free of tax and without having to wait for probate.
Family Travel Policy
The main sections of cover are:
• Cancellation and curtailment up to £3,000
• 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
Get more information here
Hospitalisation Benefit
Should a member be admitted to hospital in the UK immediately following an accident, incident or emergency, this benefit will pay £40 per night for up to five consecutive nights. Should a member be admitted to hospital in the UK for a planned procedure, a benefit of £40 per night will become payable after the first three nights for up to a further five consecutive nights.
See the pdf booklet for more information
Legal Expenses Cover
Legal expenses cover includes the following items. Please refer to the full booklet for comprehensive information.
- Employment Disputes
- Criminal Prosecution
- Consumer Disputes
- Peaceful Occupation
- Residential Protection
- Personal Injury
Denplan Key Cover
Key Dental Cover from Denplan provides the member with cover for treatment necessary as a result of a dental injury or emergency anywhere in the world.
Home Emergency Assistance - Emergencies covered are:
- Breakdown of the heating system
- Plumbing and drainage problems
- Home security including locks and windows
- Breakage or failure of your sole toilet unit
- Loss of domestic power supply
- Lost keys
- Vermin infestation
Critical Illness Cover for Serving Officers
The critical illness cover is £10,000 and must be claimed within 90 days of diagnosis with any of the below conditions. Please see the full booklet for relevant exclusions. This is a payment for diagnosis and the prognosis is irrelevant for these purposes.
RED ARC is an independent care advisory service specialising in welfare-based added value services.
The diagnosis of a serious health condition such as cancer, a heart attack, stroke or MS invariably means a worrying time for everyone close to the patient. That’s the time that you need access to someone who understands your condition and has the time to listen to your concern and allay your fears.
IMPORTANT
The Final PAT Ruling has now been published
You can view the final ruling of the PAT into the Winsor 1 recommendations by clicking the link below.
Click here to read a summary of the findings
The PFEW have now put the following press release out:
Today the Police Arbitration Tribunal has published its decision with regards to the Winsor Part One recommendations. Paul McKeever, Chairman of the Police Federation of England and Wales, says:
“ We are extremely disappointed with today’s decision by the Police Arbitration Tribunal and know that many police officers across England and Wales will be angry and dismayed about their future. However, we entered in to the negotiation process in good faith and therefore, whilst not happy with the entire decision, accept their ruling.
“ As part of Staff Side of the Police Negotiating Board, during the negotiations, the Police Federation of England and Wales recognised the financial difficulties this country faces. With this in mind Staff Side tabled savings from police pay equivalent to the savings proposed by the Official Side that did not result in many of our members experiencing a disproportionate financial detriment.
“ This considerable commitment to reform, together with the financial savings offered from police pay by a staff association, is unprecedented. The fact that the Official Side rejected the alternative proposals demonstrates that this is not about making fiscal savings but a conscious and deliberate attack on the police service.
“ The arbiters have taken account of elements of the Staff Side evidence in their ruling today and we appreciate that had we not fought against the Winsor recommendations then the government would have proceeded to implement them in full. So, whilst disappointed, we will stand by the arbiters’ decision, which is a Police Negotiating Board agreement binding on both the Official Side and Staff Side. The decision as to whether to ratify this PNB agreement now rests with the Home Secretary.
“Moving forward, we will do everything in our power at the Police Negotiating Board to minimise the negative impact today’s decision could have on police officers.”
This is Paul McKeever's latest video message regarding the PAT. You cannot view it from a police computer
Roland Smith Insurance
At Roland Smith we currently arrange the car insurance for over 41,000 serving and retired police officers and the home insurance for over 23,000. This makes us one of the UK’s largest insurance arrangers for the police service.
To get a great deal on home and motor insurance, read more here
Protected Pension Age
We've now been given some advice on the issue of the protected pension age and tax liabilities. We are seeking additional information and, as soon as more becomes available, we'll circulate it.
PROTECTED PENSION AGE - RETIREMENT AND RE-EMPLOYMENT
We have recently become aware of a potential tax issue for members of the 1987 Police Pension Scheme (“the PPS”) who retire and take a pension under the age of 55 and then take up employment as police staff or are re-engaged as police officers.
The South Wales Police Federation is proud to be associated with David W Harris & Co Solicitors
David W Harris & Co has a huge amount of experience in representing police officers following personal injury incidents and claiming compensation for the injuries caused. Have you been involved in a POLAC that was not your fault? On or off duty, give David W Harris & Co a call to see if you can claim compensation. Read more
Forces Travel
Forces Travel has teamed up with exciting suppliers to offer amazing worldwide deals for the UK Police. Read more
