The Benefits Scheme 2024 - 2027

The Benefits Scheme provides a Life Insurance Policy, Critical Illness, Sickness Benefit, Terminal Illness Advance, and Travel Insurance...

We are pleased to advise the renewal of the PFNI Benefits Scheme
on 1st March 2024.

In addition to the positive changes made to the 2021 - 2024 contract, we are pleased to have negotiated further enhancements to the Benefits Scheme.
In enhancing the Scheme we have:

- Increased your Life Insurance fron £100,000 to £115,000

- Introduced a new Life Threatening Injury Benefit of £20,000 to replace the
underused and over insured Loss of Limb/Eye/Hearing Benefit.

Sickness Benefit

£70 per week after a 56 day qualifying period. Benefit is paid for a maximum of 44 weeks within the contract term for any one illness or injury. Benefit may increase to £119 per week after 6 months at the lower rate, if you are reduced to half or no pay. Claims MUST be submitted within 6 months (182 days) of your first day of sickness.

Life Insurance

£115,000 life insurance benefit paid to your nominated beneficiary/ beneficiaries. Death from any cause, on or off duty. Children’s life insurance cover of £5,000 (Age 6 months to age 18). Cover ceases on your 70th birthday.

Critical Illness

£10,000 benefit if you, or £2,500 if your child suffers from one the following illnesses and survives 14 days from diagnosis: Alzheimer’s Disease (before age 65), Angioplasty, Aorta graft surgery, Aplastic Anaemia (with permanent bone marrow failure), Bacterial Meningitis, Benign Brain Tumour, Blindness, Cancer, Cardiomyopathy, Coma, Coronary artery bypass grafts, Creutzfaldt-Jacob Disease, Deafness, Dementia/Pre-Senile
Dementia (resulting in permanent symptoms), Encephalitis, Heart attack, Heart Valve Replacement or Repair - with surgery to divide the breastbone, HIV infection and Hepatitis B Virus, Kidney failure, Liver Failure, Loss of hand or foot, Loss of Speech, Major Organ Transplant, Motor Neuron Disease (before age 65), Multiple Sclerosis, Paralysis of limbs, Parkinson’s Disease (before age 65), Primary Pulmonary Hypertension,,Progressive Supranuclear Palsy, Pulmonary Artery Surgery, Respitory Failure, Rheumatoid Arthritis, Stroke, Terminal Illness, Third Degree Burns,
Traumatic Head Injury.