There’s no doubt about it. Firefighters are heroes in the community. Without their bravery and sacrifice, we would have no recourse when flames engulfed buildings, businesses, and threatened the neighborhood and the lives of the people living in it.
We need our firefighters. As it would turn out, they may need us too.
Life After the Ladder
Most fire departments offer good health coverage to their firefighters. They enjoy comprehensive benefits packages, a pension, and other special perks that help sweeten the deal when choosing this as a profession.
However, firefighters run their bodies through the wringer during their active duty. The job demands are significant. We have intense heat from flame, complications from smoke inhalation, and more stairs than anyone would ever wish to see in their lives.
Physically and mentally, the job demands a lot of a firefighter. The effects of this may not become immediately apparent during duty, but it’s after retirement when they may truly take their toll.
At which time, what healthcare is available? What can a former firefighter do when they’re faced with a compromised quality of life, a debilitating physical or medical condition, and no coverage to manage the costs?
Long-Term Care Insurance
Where traditional coverage ends and Medicare reaches its limit, long-term care insurance comes into play. Long-term care insurance assists with costs that may not be covered under a traditional health plan, and will help manage large expense when Medicare reaches its limit.
For firefighters trying to manage the cost of healthcare during their retirement, it’s important to make sure the bills don’t add up or they’ll be back in the workforce again doing whatever job they can to keep on top of medical expenses.
Is that any way for a hero to enjoy the fruits of their labor? By barely making ends meet while struggling to pay monumental medical bills for conditions they contracted on the job?
Employee Retention Benefits Can Help!
Employee Retention Benefits will help fire departments identify what types of coverage are most useful and make the most sense for their purposes. While long-term care insurance is not considered the norm when it comes to a customized and comprehensive insurance and benefits package, it has become increasingly more common. As medical costs rise and the limits of existing, traditional plans are reached, it becomes all the more essential to have backup options like long-term care insurance.
Luckily, ERB provides a customizable plan package so your department is able to include essential services and components of a care plan that your employees will find most useful, all while keeping the extra add-ons away.
This helps manage the cost to you while offering something that will protect them.
Can anyone ask for anything more?
