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October 2020 Exclusive Benefits for FOP Members FOP Medicare 2019 National Fraternal Order of Police

Our new vendor partners stand ready to serve you National Executive Board Patrick Yoes President Joe Gamaldi Vice President Jimmy Holderfield Secretary Tom Penoza Treasurer Les Neri 2nd Vice President For general information please do not hesitate to reach out to FOP Benefits Marketing Director Gena Moore She stands ready to answer your questions and if she doesn t know the answer she will find out the answer and get you to the right people Keith Turney Sgt at Arms Rob Pride Chairman of Trustees Program Development Committee Jack Simington Chair Desmond Carter Chet DeLong Steve Demofonte Allen Hamby Matthew Heady Ron Leek Bob Martinez Dan Silva Stephen Walker Pease note that OPEN ENROLLMENT for the Colonial Life voluntary benefits is in progress NOW and you may get rates plan details and enroll right over the phone For more information contact Gena Moore Director of Marketing FOP Benefits Cell 586 360 8913 Email gmoore fop benefits com

VENDOR SPOTLIGHT Ricky Persad Director of Strategic Partnerships BurnAlong

Vendor Spotlight BurnAlong Ricky Persad What is your job title and what do you do My title is Director of Partnerships and Relationship Marketing but I am really a jack of all trades and I work across all departments My primary focus is working directly with customers that offer BurnAlong and show them how the program can add real value What was the biggest influence on your career choice My mom died this past May and she had the biggest impact on my life She was a very positive person and she had a way of relating with people and building them up I started with the founders Mike and Daniel at the kitchen table building BurnAlong from the ground up and I saw it as an opportunity to help a lot of people and to have a positive impact in communities Tell me about your history and where you grew up My family lived in 12 different cities around the United States including Philadelphia Orlando Tampa Raleigh and now Baltimore My mom and dad were from Trinidad and they were very cognizant of the melting pot of cultures in North America They first moved to Canada and then to the US They instilled in us from a very young age that we could live in different ways amongst different peoples and they wanted us to experience and live that What gets you out of bed in the morning Every single day I pray that I have a positive influence on everyone I meet no matter who they are If you could snap your fingers and instantly make something better in the world what would it be I would cure cancer It has taken so much from so many Cancer took my mom in May of 2020 and it is something that I wish we could eradicate If you found out today was your last day on Earth what would you do I would have a massive party and spend time with my family dad aunts cousins friends my dog and my wife Basically be around people I love eating all my favorite foods What are the top three things on your bucket list 1 Travel to Australia 2 Take my dad to el Cl sico soccer match in Spain and watch Madrid play Barcelona 3 Live in a different country for a few years to gain that experience If you had to eat one food for the rest of your life what would it be French fries are my favorite food and my favorite thing is to dip them in a mixture of the Polynesian Chic fil A sauces If you had to listen to one album for the rest of your life what would it be I am a DJ so music is important to me and I love 80 s music If I had to choose one album it would be Billy Joel s greatest hits What is one piece of advice or motto that would best describe how you approach life Perspective is everything I learned that we all have an ingrained perspective that we grow up with and to be able to see out of other people s lenses and understand their perspective is the greatest thing anyone can do I am big on community and living peacefully together and that for me means people keeping an open mind and an open ear to others Pineapple on pizza yes or no No I have tried it and it is not my thing but I believe you should do whatever makes YOU happy

2021 Aetna open enrollment is now open The Fraternal Order of Police FOP has teamed up with Aetna to offer retired FOP members and their spouses Medicare plans New members can sign up right now for any of our four Aetna Medicare Advantage PPO plan options And for 2021 our plans have even better pricing with lower premiums and deductibles than you may pay now Our four plans give you access to many benefits and programs all at no extra cost Aetna offers you Medical prescription drug hearing and vision coverage SilverSneakers fitness benefits Resources For Living program to connect you with local resources Care advocates who can help you manage complex conditions or behavioral health issues Nurses you can talk to 24 7 Health and wellness programs All four Medicare Advantage PPO plans have what we call an extended service area ESA This means you can see any licensed provider eligible to receive Medicare payment who is willing to accept your Aetna plan Aetna has a large nationwide network of providers but you ll pay the same cost whether your doctor is in or out of network New members can select an FOP Aetna Medicare Advantage PPO plan now through December 4 2020 If you choose to enroll your new plan will begin on January 1 2021 If you have Medicare coverage through a former employer or a trust check with your benefits team to see if an Aetna Medicare Advantage plan is an option for you There are several ways you can find out more about our Aetna Medicare Advantage PPO plans Go to FOP AetnaMedicare com to see full plan details Attend an FOP webinar to learn more about the plans We re offering them every two weeks this fall To look at dates or join a session on the day of your webinar go to FOP AetnaMedicare com Talk to a live member services advocate at 1 866 246 8060 TTY 711 Monday Friday 8 AM to 6 PM ET

Homes for Heroes Real Estate Partner of the FOP homesforheroes com fop

The FOP Legal Defense Plan This program is designed specifically to cover the law enforcement exposures faced by members of the FOP Legal Defense Plan by paying legal defense costs on behalf of participating members for the following actions and proceedings o Coverage A Administrative includes Administrative OffDuty o Coverage B Civil o Coverage C Criminal Legal defense protection is a necessity for law enforcement professionals As the frequency and cost of allegations rise the FOP Legal Defense Plan offers you and your lodge members a very affordable and comprehensive plan Click here for more information FOP Benefits Now it s YOUR turn to be protected

For several years The Union Shop has printed FOP checks for FOP members and their immediate family members Why buy other checks BUY FOP CHECKS Send the message that you support the Fraternal Order of Police All designs available in both single and duplicate styles All new orders include Fraternal Order of Police custom checkbook cover check register and single deposit tickets Guaranteed to work at your financial institution If not completely satisfied we ll replace your order or refund your money CLICK HERE TO ORDER CHECKS FOP Benefits Now it s YOUR turn to be protected

The Grand Lodge Fraternal Order of Police is pleased to announce a new Affinity Credit Card relationship with Commerce Bank for the Fraternal Order of Police Visa Rewards Credit Card The Grand Lodge has partnered exclusively with Commerce Bank to make the Fraternal Order of Police Visa Rewards Credit Card available to FOP Members FOP Associate Members FOP Auxiliary Members their families and all employees of FOP FOP Associate or FOP Auxiliary Lodges The FOP Visa Rewards Credit Card comes with a number of features and benefits including Customized credit card incorporating the FOP logo No annual fee Low introductory rate Participation in the Commerce Bank Rewards Program in which points can be earned towards gift cards merchandise or travel rewards when you make purchases with the FOP Visa Rewards Credit Card Support for the Grand Lodge by participating in the FOP Credit Card Program Get the card that rewards you and show support for the Fraternal Order of Police every time you make a purchase CLICK HERE TO APPLY NOW FOP Benefits Now it s YOUR turn to be protected

For special Grand Lodge FOP member car rental reservations CLICK HERE TO BOOK or call 800 331 1212 and mention your AWD S034700 Save additional money with money saving coupons from MSTA Membership Department Enroll in Avis Preferred Express program using the AWD and save the 50 00 on yearly enrollment fee FOP Benefits Now it s YOUR turn to be protected Member Benefits Grand Lodge of FOP Members can save up to 25 off Avis base rates when making a reservation with Avis Worldwide Discount AWD number S034700 Complete your reservation and receive instant online and email confirmation of your travel plans See below for additional Avis offers and promotions

FOP Benefits Lodge Fidelity Insurance Now it s YOUR turn to be protected Article 19 of the F O P Constitution and Bylaws requires each state and local lodge to maintain employee dishonesty coverage to protect lodge funds from dishonest acts by lodge members This program fulfills this requirement and offers the following coverage features o 3 Year Prepaid Policy Kentucky lodges must add a 1 5 surcharge to premium o Optional Limits and Deductibles o Broadest definition of covered Employees and Financial Loss o Automatic Renewal No new application required for loss free lodges o Available to F O P Lodges in all states except Hawaii Underwritten By Hartford Fire Insurance Company Rated A by A M Best Company Coverage Blanket Employee Dishonesty Coverage Insures for loss of money securities and other property caused by fraudulent or dishonest acts of any employee against the F O P Lodge Definition of Employee includes all officers directors volunteers and committee chairpersons whether compensated or not CLICK HERE FOR MORE INFORMATION

FOP FREE COLLEGE The FOP Free College Benefit makes it possible for you and your family members to earn an associate degree completely online for FREE NOW OFFERING THE FOLLOWING DEGREE PROGRAMS HEALTHCARE ADMINISTRATION DEGREE ENVIRONMENT and CONSERVATION FOCUS of BUSINESS MANAGEMENT DEGREE PROFESSIONAL OFFICE MANAGEMENT TEACHER EDUCATION Associate of Arts CYBER SECURITY DIGITAL AND SOCIAL MEDIA MARKETING ADVERTISING PROGRAMMING AND DEVELOPMENT DATA SCIENCE HOSPITALITY EVENT MANAGEMENT HOSPITALITY HOTEL AND CONVENTION MANAGEMENT CLICK HERE FOR MORE INFORMATION FOP Benefits Now it s YOUR turn to be protected

The Moonlighting Liability Insurance Program protects individual peace officers who perform extra duty jobs In addition to protecting the officer coverage is extended to the nongovernmental entity that has contracted the officer s services By offering protection to the extra duty employer you have a distinct marketing advantage over other programs which may not extend coverage to the hiring entity Who Needs this Coverage Any peace officer who provides law enforcement services for non governmental entities Coverage is subject to approval from your primary governmental employer The Moonlighting Liability Program is not a plan offered or covered by FOP Legal Plan Inc The Moonlighting Program is offered and insured by an outside independent insurance company and is endorsed by The Grand Lodge FOP All necessary documentation will be sent in the order received please allow up to 72 business hours before contacting Lynn Young at 419 724 8726 Click here for more information FOP Benefits Now it s YOUR turn to be protected

Learn more about Medicare The Fraternal Order of Police FOP understands that Medicare can be confusing so we re here to help We ve included some frequently asked questions below Q When do I become eligible for Medicare A You become eligible for Medicare when you turn 65 or earlier because of certain health conditions Q How do I enroll in Medicare A You can enroll online at SocialSecurity gov or in person at your local Social Security office Continued on next page

More about Medicare Continued from previous page Q When can I sign up for Medicare A You can sign up for Medicare during the 90 days before your 65th birthday The window to enroll in Medicare closes 90 days after your 65th birthday If you enroll after that you may face a late enrollment penalty Q What do the different parts of Medicare mean A Part A covers hospital care Part B covers doctor services Part C refers to Medicare Advantage plans and Part D covers prescription drugs Q What do your Medicare Advantage plan options cover A These plans called Part C are offered through private insurers and they combine everything covered under Part A and Part B and Part D into Continued on next page

More about Medicare Continued from previous page one plan Plus these plans often include additional benefits and programs not covered under Original Medicare To be eligible for a Medicare Advantage plan you have to enroll in Medicare Part A and Part B and pay your Part B monthly premiums Q Where can I learn more about Medicare A For more information go to FOP AetnaMedicare com Turning 65 We have helpful videos about enrolling in Medicare and the plan options available to you Or visit Medicare gov for general Medicare information Q I ve heard that the FOP may have a health insurance plan Can you tell me more A The FOP is offering four group Aetna Medicare Advantage PPO plans to Medicare eligible retired FOP members and their spouses These custom plans are currently for people who purchase their Continued on next page

More about Medicare Continued from previous page own insurance and don t have a bargained benefit through their former employer or union For those with bargained benefits we re working with some groups across the country to see if we can add these plans to their offerings Check with your former employer or union to see if an Aetna plan might be an option for you Q What is unique about group PPO plans A Group Preferred Provider Organization PPO plans allow you more freedom than an HMO plan so you can use the doctors and hospitals you want The four FOP Aetna Medicare Advantage PPO plan options we re offering allow you to see any licensed provider who is eligible to receive Medicare payment and willing to accept your Aetna plan Aetna has a large nationwide network of providers but you ll pay the same cost whether your doctor is in or out of network Continued on next page

More about Medicare Continued from previous page Q Do the FOP plans offer more benefits than Original Medicare A Yes the FOP Aetna plans include extra benefits and programs not offered by Original Medicare such as vision and hearing aid reimbursements the SilverSneakers fitness program a referral service to help you find local resources a 24 hour nurse line and other care and wellness programs to help keep you healthy Q When can I sign up for a FOP Aetna plan A As you become eligible for Medicare you can sign up for a FOP Aetna Medicare Advantage plan throughout 2020 Just be sure you ve already enrolled in Medicare Part A and Part B If you re already on a Medicare plan you can enroll during Open Enrollment Continued on next page

More about Medicare Continued from previous page Q Where can I go for more information about my health plan options A For more information or to enroll in an Aetna Medicare Advantage plan go to FOP AetnaMedicare com or call Aetna at 1 866246 8060 TTY 711 Monday through Friday 8 AM to 9 PM ET

Our vendor partners stand ready to serve you For general information please do not hesitate to reach out to FOP Benefits Marketing Director Gena Moore She stands ready to answer your questions and if she doesn t know the answer she will find out the answer and get you to the right people Pease note that OPEN ENROLLMENT for the Colonial Life voluntary benefits is in progress NOW and you may get rates plan details and enroll right over the phone For more information contact Gena Moore Director of Marketing FOP Benefits Cell 586 360 8913 Email gmoore fop benefits com