Missouri FOP Family Protection Plan

The insurance market can seem overwhelming at times, with many choices and types of plans to protect you and your family. ProtectPak 4 keeps things simple and affordable by offering a package of insurance plans designed to provide you with well-rounded coverage that could serve as the foundation of your protection. We have partnered with a major insurer with more than 160 years in the insurance industry.

The Missouri Family Protection Plan bundles four separate and distinct policies into one comprehensive package specifically designed to provide financial stability for your out-of-pocket expenses and lost wages.

You choose the level of coverage based on your individual needs and budget and you may opt to cover your family. Retired members who work 30 hours or more per week on another job are eligible as well.

Call the MO FOP Benefits Hotline with any questions: 1-636-978-7798

Here are some example coverage:

Cost of CoverageSelect your desired level of protection
Low Coverage - $34.23	Medium Coverage - $54.60	High Coverage - $72.15
Life InsurancePay's beneficiary upon member's death
$10,000.00	$25,000.00	$25,000.00
Short-Term DissabilityPays benefits directly to you for sickness or ON/OFF duty injuries to help cover loss wages. (Overtime & Detail lost wages Reimbursement) EXAMPLE: You are out of work due to a broken leg or other qualified illness. After 14 a day elimination period you will receive: (You may also receive partial benefit if you are back to work on light duty)
$150.00 a week	$200.00 a week	$250.00 a week
Accidental InjuryPay's benefits directly to you for certain accidental injuries regardless if it is ON or OFF the job. EXAMPLE: You are involved in a accident, you suffer a broken leg and are unable to work:
Emergency Room Visit
$100.00	$100.00	$100.00
Fracture
$1,500.00	$1,500.00	$1,500.00
Critical Illness CoveragePay's benefits directly to the member for certain critical illnesses. EXAMPLE 1: You suffer a heart attack or stroke
Critical Illness Benefit
$5,000.00	$5,000.00	$10,000.00
Short Term Disability (after 14 day period)
$150.00 a week	$200.00 a week	$250.00 a week
EXAMPLE 2: You are diagnosed with internal cancer *Actual Charges up to
Critical Illness Benefit
$5,000.00	$5,000.00	$10,000.00
Short Term Disability (after 14 day period)
$150.00 a week	$200.00 a week	$250.00 a week
Chemo & Radiation
No Benefit	$1,000.00 a month*	$1,000.00 a month*
Anti-nausea Medication
No Benefit	$1,000.00 a month*	$1,000.00 a month*
Experimental Treatment
No Benefit	$300.00 a day*	$300.00 a day*
Cancer Death Benefit
No Benefit	$5,000.00	$5,000.00
Wellness BenefitOne test per calendar year
$50.00	$50.00	$50.00