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Exclusive Benefits for FOP Members2024 SPRING NEWSLETTERw w w . f o p . n e t / m e m b e r - b e n e f i t s /Member Benefits

NATIONAL EXECUTIVE BOARDPresidentPatrick YoesVice PresidentJoe GamaldiSecretaryJimmy HolderfieldTreasurerJames Smallwood2nd Vice PresidentJohn HoytSgt-at-ArmsSteve JamesRob PrideChairman of TrusteesPROGRAM DEVELOPMENT COMMITTEEJack Simington, ChairDesmond CarterChet DeLongAllen HambyMatthew HeadyRon LeekBob MartinezRyan RhoadesDan SilvaStephen Walker

VENDORSHealthActive&Fit DirectDoctegrityNew Benefits (FOP Perks)Estate PlanningTrust & WillFinancialBMG MoneyCollege Ave Student LoansCommerce BankNational Police Credit UnionHearingAmplifonInformation ProtectionID Theft AssistLifeLockInsuranceAetnaAmerilife (Allstate/MetLife)CipollaHighstreetLiberty MutualThin Blue Line BenefitsReal EstateCrossCountry MortgageDirect Mortgage LoansHomes for HeroesSenior LivingBrookdale Senior LivingTravelGo & GiveHeroes Vacation ClubTravelPerksEducationFOP College BenefitNFOPU ConsortiumLegal DefenseHylantShoppingAmazon Business Prime

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Aetna Medicare is a HMO, PPO plan with a Medicare contract. Enrollmentin our plans depends on contract renewal. See Evidence of Coverage for acomplete description of plan benefits, exclusions, limitations andconditions of coverage. Plan features and availability may vary by servicearea.

5 Steps to Take Immediately If YourCredit Card Is Lost or StolenSteve SymanovichStaff WriterYou might regard your credit card as a friend, someone who’s always there to buy you lunch or a majorappliance. But what to do if you lose your credit card?Nobody wants to lose a friend.If you lose your credit card, don’t leave it hanging. It’s time to swing into action, before someone, like afraudster, milks your plastic buddy for all it’s worth.Quickness counts. Here are five steps to take if your credit card is lost or stolen.Step 1. Call your credit card issuerCall your credit card issuer immediately to report the loss or theft of your missing card. Typically, you wouldcheck the back of the card for the telephone number to call. That’s not an option when your card has been lostor stolen.Don’t panic. You can find your credit card issuer’s phone number on your credit card statement or online. Youmay be able to report your loss on the card issuer’s website or at a bank branch.Keep in mind that federal law limits your liability for unauthorized charges. The most you'll pay is $50. But actfast. You’ll want to resolve the matter before anyone starts racking up bogus transactions and fraudulentcharges on your card.Tip: If you report your lost or stolen card before anyone uses it, you won’t be liable for any unauthorizedcharges.Step 2. Get prepped with informationYour credit card issuer will need to verify your identity. You’ll likely need to supply information such as yourname, address and Social Security number.Your issuer may want to know when your card was lost or stolen and when you made your last charge. Theymay review recent transactions with you to see if any of them appear to be fraudulent.Your issuer will cancel your account and mail you a new credit card with a new account number.Make sure to update your mobile wallet if it also includes the lost card as a means of payment.Getting your lost card replaced should have no effect on your credit report or credit score. Just remember thatif you were using the lost card to make automatic payments for you, make sure you provide those vendorswith your new card number. In the short term, you may have to make manual payments. It’s important tocontinue making your payments on time.

Step 3. Follow up and keep recordsIt’s a good idea to follow up after reporting your loss. Send your credit card issuer a letter or an email. Here’swhat to conclude:Your account number.The date and time you noticed your card was missing.When and how you reported the loss to the issuer.Make a note of when you sent your letter. Keep a copy for yourself.Step 4. Check your credit card statementRemember to closely review your credit card statement after you’ve reported your card lost.If you see any charges that appear fraudulent or unfamiliar, call your credit card company as soon as possible.Step 5. Check your insurance coverageSome homeowner’s and renter’s insurance policies cover your liability for credit card theft. While themaximum you would have to pay out of pocket is $50, it may be worth checking to see if your insurance policywould cover that amount.You might also want to consider adding coverage for lost cards to your policy, if it’s available.Keep in mind that some credit card issuers offer zero liability as a card feature. In such cases, adding coveragethrough a homeowner’s policy might not be necessary.Things you can do to prevent future lost or stolen credit cardsThere are a lot of ways to lose a credit card. You might lose your wallet—and your card. You might leave yourcard at a checkout counter. You might slip it into your purse only to have it slip out.It’s a good idea to take steps to help prevent the loss or theft of a credit card in the future.Here are some suggestions, along with a few tips to consider just in case you do lose a card:Carry only the cards you need.Keep your credit card securely in your wallet or purse. Don’t break with routine and, say, slip your card in abreast pocket or top of your sock.Cut up old credit cards before you throw them away. Make sure you cut through the account number.Keep track of your cards and store ones you don’t use in a secure place.Keep a record of your credit card information in a safe location. Consider including account numbers,expiration dates, and telephone numbers for each issuer. That way, you’ll be ready to report a lost or stolencredit card when you need to.Check your credit card statements as soon as they arrive. Look for charges you don’t think you made.Guard your account number. Identity thieves don't always need your credit card to commit identity fraud.The account number might be enough. Be careful not to write your account number down on paper oranywhere someone might find it.Avoid sharing your credit card number over the phone unless you made the call. And don’t forget to makesure no one is eavesdropping.Bottom line: It’s a good idea to know what to do when you lose a credit card. After all, you want to help protectyourself from credit card fraud.It’s also smart to remember to treat your card with care and respect. That’s what friends do.

A True “Game Changer” in PRE-65 Retiree Health Insurance for FOP MembersFor a number of years, retiree healthcare for pre-medicare retirees ( those under the age of 65)has been on the radar of public safety organizations throughout America. For those relativelyfew agencies across the country who are fortunate enough to have such a benefit for theirretired officers, these benefits have been largely disappearing. It is an incredibly expensivebenefit for public agencies to offer and usually must be aggressively bargained for. The cost ofhealthcare in America has risen significantly over the years and continues to climb. Advances inmedical technology and pharmacology in America is second to none and the price tag isenormous. Prescription prices alone have soared, lending to the overall cost of coverage. Ofcourse like everything else, those costs are passed down to the consumer and for many it hasmade comprehensive insurance coverage the largest portion of a family’s budget. The NFOP has been working diligently for several years to try and gain health insurance for this“Medicare Gap.” Let me tell you, it is not an easy thing to accomplish. That said, in January 2024,The NFOP and Thin Blue Line Benefits partnered to offer FOP members fantastic options forpre-medicare health coverage in every state in America.Thin Blue Line Benefits has proudly and exclusively served the public safety market For over seven years. Just a few short years ago, we launched our first health plan and sincethat time, it has grown into multiple plan choices, and the utilization of one of America’s largestnationwide carriers, Cigna PPO. We custom built these plans for you. These are not off-the-shelf products that have been re-branded. They truly were built by us exclusively for firstresponders across America. Our plans are not available to the general public. We utilize thevast Cigna PPO Network which gives FOP Members true nationwide provider access in all 50states to about one million providers including 6000 hospitals. Moving? Not a problem. Our plans are 100% portable. If you own a vacation home in anotherstate or travel, you have full network coverage all the time. What happens if you have a policy along with your spouse and then you go onto a medicareplan? Well, anywhere else out there in the marketplace they simply terminate your plan. Nothere. When you go to Medicare after turning 65, your spouse can remain on our plan. In fact,we re-rate the policy to the individual rate and your spouse continues on as if nothing hashappened.

Many facets of these plans were truly constructed with the retired first responder in mind. Thecustomer service portion of these plans is no exception. You not only have customer serviceprovided by the plan administrator, but Thin Blue Line Benefits has its own customer servicedepartment to assist members. In addition to this, we have an even higher level of supportthrough our Care Navigation Team. These are highly trained and experienced representativesthat assist you with more comprehensive assistance on complex issues. FOP GROWTH While the NFOP has approximately 370,000 members, there are obviously officers and unionsacross America that are not FOP Members. The FOP has worked diligently over the years toincrease the benefits for members, including retirees. With the addition of this PRE-65 RetireeHealth Insurance Benefit, member growth is expected to climb even more. For those non-FOPfolks out there who retire and want this insurance benefit, they must join the FOP. We havealready seen results of this in the early months of 2024. The Fraternal Order of Police leads the nation with support of law enforcement officers fromcoast to coast, including those that have retired after years of dedicated and sacrificial service. Thin Blue Line Benefits is proud to be a partner in this family, providing a significant benefit foryou and your families. Visit us at thinbluelinebenefits.com/nfopThank you for your service, Matt ClayEVPThin Blue Line Benefits Association Holdings, LLC. A Texas Corporation serving America’s Finest.

Through the central National FOP Amazon Business account, you have access to purchasing benefits like fast, FREE shipping with Business Prime, Business Pricing, and LEO relevant supplies. For more information, please view our brief introductory webinar. To receive your invite, fill out this form.

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NFOPU CONSORTIUMThe National Fraternal Order of Police University (NFOPU) is a consortiumof colleges and universities that provides members of the National FOPwith varied learning programs. These programs include both traditionaland nontraditional forums. The formation of the NFOPU allows FOPmembers the ability to take courses that will accommodate the uniquerequirements of a working law enforcement officer's schedule. Thesecourses can be taken completely online, which will make it easier formembers to obtain their degrees on their own time. All of the colleges anduniversities that are participating are regionally-accredited institutions.Members receive benefits in the form of actual tuition cost reduction orextensive credit for past degree work, POST training and FBI Academytraining.Click here for more information.

PARTICIPATING SCHOOLSClick on the school logo for more information about that school.

For general information, questions,comments, or concerns, please reach out toFOP Benefits Marketing Director, GenaMaytubby. She is there to help find theanswer and get you to the right people.CONTACT USGena Maytubby, Marketing DirectorFOP Benefits | SF&C Insurance AssociatesEmail: gmaytubby@sfandc.comCell: 661.448.9067