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HEART HEALTH FOR FIREFIGHTERS: Protecting Your Most Important Tool

The intense physical demands of firefighting coupled with stress, heat exposure, and potential toxin inhalation put firefighters at a significantly higher risk for heart problems. In honor of Heart Health Month, FDM is providing firefighters with the knowledge and tools to protect their hearts and ensure a long and healthy career. The Challenges Firefighters Face: […]

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The Unseen Enemy: Cancer Prevention for Firefighters

Firefighters face a multitude of occupational hazards, ranging from the immediate dangers of flames and structural collapse to the insidious long-term consequences of toxic exposure. Among these long-term threats, cancer has emerged as a particularly significant concern. FDM is here to examine the unique cancer risks firefighters face and discuss evidence-based preventative measures to protect

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American Relief Act: Short-Term Relief for New York’s Bravest

The American Relief Act (H.R. 10545) has been making headlines, but what does it actually mean for New York’s first responders, particularly our fire departments? While the Act primarily focuses on disaster relief and agriculture, there are some important provisions that offer short-term support to those on the front lines of emergencies. Keeping the Lights

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A Win for New York’s Bravest: The Social Security Fairness Act

Great news for New York’s first responders! The Social Security Fairness Act (H.R. 82) has been signed into law, bringing significant and well-deserved benefits to our firefighters, police officers, and other public servants. This new law eliminates two unfair provisions that have historically reduced the Social Security benefits of those who dedicated their careers to

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Fire Districts of New York Mutual Insurance Co., Inc. Receives Demotech 2024 Stakeholder Team Accomplishment Recognition™ (STAR) Award

 Fire Districts of New York Mutual Insurance Co., Inc. (FDM) has  earned the prestigious Demotech Stakeholder Team Accomplishment Recognition (STAR) Award in the State Specialist category. This award marks the first time that FDM has earned this honor. “We are thrilled to be one of the select companies receiving this recognition for our ability to

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Workers’ Compensation for Other Volunteers – Not Applicable to Volunteer Firefighters

Volunteer Firefighters’ Benefits Law (VFBL) is statutory law in New York and specifies coverage and compensability for active member volunteer firefighters while performing firefighting activities “in the line of duty.” Ultimately, VFBL is administered by the New York Workers’ Compensation Board. VFBL is subject to all rules, regulations, and claims administration processes as mandated by

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Fire Districts of New York Mutual Insurance Co., Inc. Maintains “Excellent” AM Best Rating

 Fire Districts of New York Mutual Insurance Co., Inc. (FDM) has maintained its AM Best “A-” rating in the Financial Strength and Long-Term Issuer Credit Rating categories for the fourth consecutive year.  “AM Best has assigned a Financial Strength Rating of ‘A-’ (Excellent) and a Long-Term Issuer Credit Rating of ‘A-’ (Excellent) to FDM. The

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Self Insurance Vs. FDM: What are the Advantages?

Taking good care of your volunteers and employees and maximizing your department’s finances are critical to your success. It is important to understand the “Pros and Cons” of whether to choose a self-insurance program or insurance through Fire Districts of NY Mutual Insurance Co., Inc. (FDM) for Volunteer Firefighters’ Benefits Law (VFBL) and Workers’ Compensation

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Important Update Regarding Your VFBL Policy for 2025

We’ve got great news for Fire Districts of NY Mutual Insurance Co., Inc. (FDM) policyholders: Effective Oct. 1, 2024, you and your members will benefit from more competitive rates and lower VFBL (Volunteer Firefighters’ Benefits Law) premiums.* That’s right; thanks to your efforts on health and safety, our policyholders’ claim experience is excellent and improving! 

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