The program was formerly managed by the Hartford Ins Co. is now going to be managed by Chubb Insurance, which is owned by its shareholders as a publicly traded company. Coverage limits will remain the same and all 3 components remain the same: lump-sum, LTD and death benefit. Firefighters will be divided into 4 classes; Class 1 Interior Firefighters, Class 2 retired interior firefighters, Class 3 exterior firefighters and Class 4 retired exterior firefighters.
Like everything else the price is going to increase with some exceptions. Chubb rates will be as follows:
Option 1: Enhanced Basic Coverage
Class 1 $190.00 per person/year
Class 2 $171.00 per person/year
Class 3 $190.00 per person/year
Class 4 $171.00 per person/year
| Option 2: Enhanced Basic Coverage with Supplementary Enhanced Cancer Rider: |
Class 1 $261.00 per person/year
Class 2 $236.00 per person/year
Class 3 $261.00 per person/year
Class 4 $236.00 per person/year
Or:
- -Basic Coverage increase of $42.93
- -Enhanced Coverage increase of $73.29
The Enhanced Basic Coverage with Supplementary Enhanced Cancer Rider is Chubb’s all-inclusive plan that covers all cancers, as opposed to just the cancers that are named in the original law (GML 205-cc).
Those listed as retired will have lower premiums than current classifications. As a result, working with your agency administrator and your insurance agent/provider your members will need to be divided into the 4 classifications. The good news is that we will be looking forward to easier claims processing with pay outs within 24 hours.
For more information speak with your insurance agent.
Chubb will be establishing and host a New York website with policy information.
Plus, Changing Reporting Requirements from DHSES – OFPC: Dates due have changed!
Note that this rule change was published in the New York State Register on June 3rd, 2026.
- The reporting year will be January 1st through December 31st rather than December 1st through November 31st.
- A fire district, department or company must submit to the Office of Fire Prevention and Control by MARCH 15 and annually thereafter an attestation (form-EOSB 210.5) that the fire district, department or company will provide the enhanced cancer disability benefit by:
- carrying an insurance policy issued by an insurance company authorized to engage in the business of insurance in this State sufficient to cover its eligible volunteer firefighters and provide a death benefit to their beneficiaries; or
- proof that the authority having jurisdiction: (i) possesses taxing authority; and (ii) has agreed in writing to fund any and all claims of eligible volunteer firefighters and their beneficiaries through existing and future revenues (self-insured, assumes the responsibility to pay claims).
- Annual claims report (form-ESOB.8C). The fire district, department or company shall report to the Office of Fire Prevention and Control, no later than MARCH 15 and annually thereafter, on the claims and benefits payments for the reporting year using forms prescribed by the Office of Fire Prevention and Control.
- This report must be signed by the head of the department or company, sworn to under penalty of perjury as true, correct and complete and shall be notarized.
- Annual roster of interior firefighters (form-ESOB-210.8R). The fire district, department or company shall report to the Office of Fire Prevention and Control, no later than MARCH 15 and annually thereafter, a complete list of its interior firefighters for the reporting year.
COMPLETE DOCUMENT WITH CHANGES FROM DHSES/OFPC RULE MAKING OPEN THIS LINK: