If you are a Houston police officer who is a member of the Houston Police Officers’ Union and Houston Police Benefit Trust, you already receive free medical reimbursement and accident disability insurance as part of your membership benefits. Find out what coverage you have by downloading the brochure below.
Services we offer
If you are a Houston police officer, you receive accident disability insurance, line of duty gunshot coverage, and accidental death coverage, according to the current bargaining agreement. Find out what coverage you have by downloading the brochure below. *Please note these benefits are subject to change with each contract negotiation.*
Both plans include:
- 24-hour coverage both on and off the job!
- Seven-day elimination period
- Accidental Death Benefit
- $1,000 Gun Shot Rider
- Light Duty Benefit**
**Premiums for Houston officers based on current employment contract and subsidized in part by the city of Houston.
We created an Accident plan with Combined Insurance to meet the need for Accident coverage for police officers. The Combined Accident Champion, Diamond or Platinum, includes on-the-job and off-the-job coverage.
Our Critical Illness Champion through Combined Insurance can help you make up for lost income if you’ve been diagnosed with a critical illness and can’t work during recovery.
Our Lifetime Benefit Term Champion through Combined Insurance is more than just a plan to help your family cover your final expenses. You can use your benefits to cover certain medical expenses while you are living.
We offer Group Term Life insurance through MetLife as part of the First Responders Benefit Trust group life plan. This plan includes an Accidental Death and Dismemberment (AD&D) benefit which pays up to the same amount you are insured.
Choose the dentist you want to go to with the Dental Indemnity (PPO) plan. Pick from MetLife’s network of dental providers with the DHMO (Dental Health Maintenance) plan. Preventative maintenance covered twice a year.
|Managed Care (DMO)||Indemnity|
|Member + 1||$26.58||$78.68|
Our Vision plan is offered by Ameritas. It is a full coverage vision plan, with yearly eye exams and yearly glasses and contacts allowances.
|Member + 1||$16.34|