Coverage/Policy Updates

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 […]

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! 

Perhaps no other area of the fire service law has more misconceptions and greater pitfalls than the sponsoring of youth programs within a volunteer fire department. This article is the first of a two-part series intended to identify and explain the differences in the types of youth programs recognized in the volunteer fire service in

Fire Districts of New York Mutual Insurance Company (FDM) is committed to our insureds and providing Workers Compensation (W/C) and Volunteer Firefighters Benefit Law (VFBL) coverage needed not only difficult times like this, but every day. Our policies cover for exposure to infectious diseases to any of your members who respond to a call your

There have been questions raised recently regarding Lung Cancer being covered under VFBL, specifically, Section 11-c. Currently, there are 2 sections to 11-c, one addresses lung cancer, the other, newer one, addresses HIV. As it stands now, the section reads as follows: “ VFBL Section 11-C provides a presumption that any condition or impairment of