Our Benefits

Comprehensive protection designed specifically for public safety professionals

Gap Disability Coverage

Bridge the gap between workers' compensation and full wage replacement. When you're injured on duty, workers' comp often covers only a fraction of your regular income, leaving you and your family struggling financially during recovery.

Up to 100% wage replacement coverage
Covers both duty-related and off-duty injuries
Fast claim processing and payment
No waiting periods for coverage
Catastrophic Protection

Comprehensive coverage for severe injuries and long-term care needs. When the unthinkable happens, catastrophic protection ensures you and your family have the resources needed for recovery and long-term care.

Coverage up to $1 million for catastrophic injuries
Long-term rehabilitation and care coverage
Home modification and equipment assistance
Family support and counseling services
Wellness/PTSD Fund

Mental health support and wellness programs tailored specifically for first responders. We understand the unique psychological challenges of public safety work and provide resources that traditional programs often overlook.

PTSD treatment and counseling coverage
Peer support programs and resources
Preventive wellness and stress management
Family counseling and support services
Family Security

Protection and support for your loved ones when they need it most. Your family's security is our priority, ensuring they're taken care of regardless of what happens in the line of duty.

Life insurance and survivor benefits
Educational assistance for children
Emergency financial assistance fund
Legal support and advocacy services

Long-Term Disability (LTD) Plan

Comprehensive long-term disability protection designed specifically for public safety professionals

Income Replacement Benefit

Up to 85% of pre-disability salary

Maximum monthly benefit: $10,000

Waiting Periods:

15 days (on-duty) / 30 days (off-duty)

Benefits continue until recovery, retirement, or death
Definition of Disability

Own Occupation Coverage

First 2 years: Unable to perform specific job duties

Any Occupation Coverage

After 2 years: Unable to perform any gainful occupation

Catastrophic Disability
100% base salary replacement
Up to 24 months (36 with rider)
Covers paralysis, amputations, blindness
Mental Health Coverage
PTSD benefits without limits
Substance abuse treatment
Up to 12 months per lifetime
Wellness Rewards
$35 annual physical reward
$100 per hospital night
Up to 2 nights per stay

Additional Benefits

$75,000 lump sum death benefit
6 months survivor benefits
Integration with workers' comp
Personal leave integration
Member-controlled governance
Annual financial audits

Why Choose PSBA Benefits?

Designed by Public Safety

Created by professionals who understand the unique risks and challenges you face every day

Affordable Coverage

Competitive rates that fit within public safety budgets without compromising on coverage

Fast Claims Processing

Streamlined processes that get you the support you need when you need it most

Get Started Today