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Michigan State Lodge Fraternal Order of Police Since 1939 the Michigan FOP has been serving the police officers of Michigan Today we continue that service with outstanding benefits The benefits that only a group of 361 000 police officers can get Frontline Strong Together aims to help first responders and their families overcome invisible injuries and stress caused by the difficulties of their professions and to improve the quality of their life and prosperity FOP Members Only License Plates Just Some Benefits Available

Attention Members If you are planning your retirement or if you are already retired The Michigan FOP has incredible pre 65 health insurance options for you to consider The plans are all PPO insurance plans that utilize the giant Cigna network in every state in America Spouse and Family Plans Full network access in all 50 states Three plans to choose from Only available to FOP Retired members www thinbluelinebenefits com mifop Thin Blue Line Benefits Association Holding LLC is a licensed Texas Corporation exclusively serving America s Finest

Download fromDOWNLOADTODAY!News & Raffle InfoMember BeneiftsLegislative TrackerOfficer WellnessLodge Lodge InfoBreaking News & More Resources on the go forFraternal & Labor MembersMichigan Fraternal Order of Police N E W M O B I L E A P Pmifop.com

MICHIGAN FRATERNAL ORDER OF POLICE EVIDENCE BASED DE ESCALATION TRAINING The Michigan FOP Labor Council offers Free Force Science Evidence Based De Escalation Training to Lodges Members Contact Us Today to Learn More Instructor Philip Abdoo Phil is a retired Sergeant from a large Sheriff s Office in Michigan His last 12 years he was the Firearms Division Commander as well as the lead Use of Force Instructor for the department Phil has taught as a local Police Academy for over 20 years and instructed over 1500 cadets in Law Enforcement as well as Corrections He also served as a SWAT team member Negotiator Mobile Field Force Executive Officer and Less Lethal Instructor Phil also has testified in numerous cases as a Use of Force Expert on both the State and Federal level He is a Force Science Advanced Analysis and Use of Force Investigator and Certified De Escalation Instructor Course Description This training will allow attendees to understand as well as apply science and evidenced based De Escalation techniques to appropriate incidents to enhance Officer Safety as well as citizen safety Topics Include Identify Principles of De Escalation Risk Assessment Decision Making Assessing Interactions Apply Critical Concepts Response Ability Zone Applying Behavioral Influence Stairway Active Listening Skills TEB Matrix Persuasion Skills Excited Delirium Post Incident Professional Articulation This training will be entered into MCOLES training records for each MCOLES Officer Departments will not have to enter the training FOR MORE INFORMATION Email labor mifop com

POLICE OFFICER DUTY LIMITATION INSURANCEWhat is Duty Limitation coverage?This coverage pays a monthly benefit for a set period when an officer is limited from participating in additional work for compensation, which they otherwise would usually be allowed to perform. Benefits are paid directly to the officer and can help protect their family from the financial challenges that can come from being limited in theirability to earn extra income.What are some reasons for limiting the ability to perform extra duties?Qualifying statuses an officer could experience include administrative duty, administrative leave and indefinite suspension. Examples of these statuses may include:How does the coverage work?Duty Limitation Insurance pays a monthly benefit when an officer is placed on administrative duty, indefinite suspension or administrative leave, and is limited in their ability to earn extra income from additional duties. The benefit paid is based on the elimination period, benefit amount and maximum benefit period elected by the officer at the time of enrollment.Coverage highlights• Ability to choose the benefit amount thatmeets their budget & protection needs• No health questions asked• Firearm discharge• Hostage situation• Internal investigation orallegations of misconduct• Publicly-known event, in which it is in the bestinterest of the officer to be on temporary duty• Convenient payroll deductions• Simplified claims-filing with dedicated support

Ready to learn more?Visit wellfleetworkplace.com or contact your local Sales Representative directly.Wellfleet Workplace Benefits provide limited benefits and is not a substitute for mandated ACA healthcare coverage. Like most supplemental offerings these benefits may have state-specific variations, and some product offerings and details may not be available in all states. Rates are subject to change. Wellfleet reserves the right to raise premium rates with proper notice as noted in the policy and proposal. For complete details contact your Wellfleet Sales Representative. Wellfleet is the marketing name used to refer to the insurance and administrative operations of Wellfleet Insurance Company, Wellfleet New York Insurance Company, and Wellfleet Group, LLC. All insurance products are administered or managed by Bay Bridge Administrators, LLC. Product availability is based upon business and/or regulatory approval and may differ among states.©2021 Wellfleet Group, LLC. All Rights Reserved. WB Police Duty Limitaion 20 – 100101 – 06012021 BENEFIT SNAPSHOT – ALEX’S DUTY LIMITATION STORYFor more than 10 years, Alex had been with his local police department. There, he had a reputation for being a hardworking family man, who worked security at a local club in his off hours. One night, Alex was involved in a high-speed chase that ended with him discharging his weapon. Per department policy, he was immediately placed on paid administrative leave. Fortunately, Alex carried Duty Limitation coverage through his association, which helped him to continue paying his bills and taking care of his family for the 3 months he was unable to work his security job.Elected coverage: Elimination period:$2,000 per month 15 daysTotal benefits paid: $5,000Exclusions & limitationsThis policy does not cover any loss for a duty status change resulting from: Absences due to disabilities, including any medical leave of absences, the Family Medical Leave Act (FMLA), jury duty or vacations; • An intentionally self-inflicted injury; • Attempted suicide, whether sane or insane; •Events incurred prior to the effective date of coverage; • Active duty in the armed forces of any nation or international governmental authority or units auxiliary thereto or the National Guard or similar government organizations; • Voluntarily taking drugs which federal law prohibits dispensing without a prescription, including sedatives, narcotics, barbiturates, amphetamines or hallucinogens, unless the drug is taken as prescribed or administered by a licensed physician; • Committing or attempting to commit a felony; • Participating in an illegal occupation or activity; • Falsifying, misrepresenting or omitting information for the benefit of one’s self or others; • Misusing or misrepresenting one’s position or authority; • Mental or nervous disorders; • Job limitations due to pregnancy.Crafting a customized planCreating a plan can be done in three easy steps. The officer simply:1. Sets an elimination period of 15 or 30 days,2. Chooses a monthly benefit amount of $1,000, $2,000 or $3,000, and3. Selects a maximum benefit period of 6 or 12 months.Approved States:AL, AZ, FL, GA, HI, IA, LA, MI, NE, NV, OK, TX

What is Accident coverage?This coverage pays benefits for covered injuries, such as cuts, broken bones, concussions, hospitalizationsand other related expenses. Benefits are paid directly to the insured and can help protect their family from the financial challenges that can come from an accident.Coverage highlights• 24-hour coverage• Individual, spouse & family coverage*• May be portable• Affordable rates, not based on age• Convenient payroll deductionWhat benefits are included?Police Accident Insurance includes benefits for a range of covered accidents and additional benefits, including but not limited tothe base plan benefits listed below. Officers select the coverage level that fits their family’s unique needs.Additional optional benefitsOfficers can also choose to include up to 3 additional benefits.+ Wellness Benefit: Pays an annual $50 benefit for completing routine health screening examinations and other preventativetesting, such as those listed below. Benefits are paid up to a maximum of 2 visits per calendar year for member-only coverage and 4visits per year for dependent coverage.+ Total Disability Benefit: Pays for disabilities resulting from on- or off-the-job accidents and sicknesses. The insured chooses thedaily benefit amount of up to $120/day in benefits, not to exceed 60% of pay, and a maximum benefit period of 6, 12 or 24 months.There is a 7-day elimination period for accidents and a 30-day elimination period for sicknesses.• Annual physical exams• Dental exams• Mammograms• Pap smears• Eye exams• Immunizations• Flexible sigmoidoscopies• Prostate-specific antigen tests (PSAs)• Blood screenings• UltrasoundsBenefit Bronze Silver GoldAccident Medical Expense Benefit$250 $500 $750Accident Hospital IndemnityUp to 180 days, starts first day of confinement$100 $200 $300Ambulance Service Benefit (Ground/Air)$100/$200 $200/$400 $300/$600Gunshot Wound Benefit$2,500 $5,000 $10,000Knife Wound Benefit$1,250 $2,500 $5,000FracturesUp to $2,000 Up to $4,000 Up to $6,000DislocationsUp to $2,000 Up to $4,000 Up to $6,000Accidental Death & DismembermentUp to 20,000 Up to $40,000 Up to $60,000ACCIDENT INSURANCE FOR LAW ENFORCEMENT

Additional optional benefits, continued+ Additional Benefits Rider: Pays benefits for covered accidents and accident treatments, as outlined below. The insured chooses if eligible accidents are covered at 1x or 2x the listed benefit amount.BenefitBenefit amountBenefitBenefit amountBenefitBenefit amountLacerations$50Eye Injury$100Hernia RepairSurgery$500BurnsUp to $500Brain InjuryDiagnosis$150ExploratorySurgery$100Skin Graft50% of Paid Burn BenefitBlood & Plasma$300Abdominal, Cranial, Thoracic Surgery$1,000Tendon$500Immediate Hospitalization$1,000ProsthesisUp to 2 Devices$500/deviceLigament$500Hospital ICU$400/dayParaplegia$10,000Knee Cartilage$500Non-Local Transportation$300Quadriplegia$20,000Ruptured Disc$500Family Member Lodging$100/dayAccident Follow-up Treatment$50Rotator Cuff$500Appliances$125Physical Therapy$30/dayReady to learn more?Visit wellfleetworkplace.com or contact your local Sales Representative directly.Exclusions & limitationsNo benefits are payable when a covered person’s loss is caused or contributed to by: Suicide, while sane or insane, or attempted suicide; intentionally self-inflicted injury; Any act of war whether or not declared; Participation in a riot, or insurrection; • Injury sustained while onfull-time active duty (other than for two (2) months or less training) in any military, naval or air force. When the eligible member gives us written notice, any unearned premium will be refunded pro-rata for any period not covered by the Group Policy due to this exclusion; • Injury occurring prior to the eligible member’s start date of insurance; • Injury while engaged in an illegal activity; • Aviation, except flight in a regularly scheduled passenger aircraft; • Being intoxicated as established by the laws of your state of residence; • The voluntary taking of any sedative, drug, alcohol, poison or inhalation of any gas unless taken as prescribed or administered by a physician; • Participation in a felony; Dental care or treatment unless caused by injury to natural teeth; • All sicknesses including illness, mental illness or emotional disorders, bodily infirmity, rest cure, convalescent care or rehabilitation; • Injury while sky diving, hang gliding, parachuting, bungee jumping, rock climbing, ballooning or scuba diving; • Driving in any race or speed test or while testing an automobile or vehicle on any racetrack or speedway; • Services received in an emergency room, unless required because of emergency treatment; • Participating in or practicing for any semi-professional or professional competitive athletic contest in which any compensation is received; • Carpal tunnel syndrome or any complication therefrom; • and Any bacterial infection (except pyogenic infections which shall occur with and through an accidental cut or wound.*You may only cover your family if you carry the coverage yourself.Wellfleet Workplace Benefits provide limited benefits and is not a substitute for mandated ACA healthcare coverage. Like most supplemental offerings these benefits may have state-specific variations, and some product offerings and details may not be available in all states. Rates are subject to change. Wellfleet reserves the right to raise premium rates with proper notice as noted in the policy and proposal. For complete details contact your Wellfleet Sales Representative. Wellfleet is the marketing name used to refer to the insurance and administrative operations of Wellfleet Insurance Company, Wellfleet New York Insurance Company, and Wellfleet Group, LLC. All insurance products are administered or managed by Bay Bridge Administrators, LLC. Product availability is based upon business and/or regulatory approval and may differ among states.©2021 Wellfleet Group, LLC. All Rights Reserved.WB Accident Law Enforcement 20 – 100102 – 06012021 Approved States :AL, AZ, FL, GA, HI, IA, LA, MI, NE, NV, OK, TX

The Michigan Fraternal Order of Police has partnered with BMG Money. Get access to reliable, affordable online installment loans to help you regardless of your credit history. *Fixed simple interest rate 31.69% per year with a one-time fee of $59.00. For example, a $2,000 loan repaid in 35 installments over 16 months, the APR will be 35.99% and the approximate bi-weekly payment will be $75.00 (assumes a loan execution date of 01/18/2023). Other terms and con-ditions apply, and your loan may vary depending upon your loan execution date, actual payroll deduction schedule, etc. Must be employed for at least two (2) years with your employer to be eligible to apply. Not all applicants will qualify for a loan. All loans marketed by BMG Money are made by WebBank, except, as of 12/08/2023 the loans made to residents of Illinois, Iowa, Nebraska, New Jersey, New York, Ohio, Rhode Island are made by BMG LoansAtWork, LLC.Sign up now atapp.bmgmoney.com/signup and TYPE “Michigan Fraternal Order of Police” as the name of your employerGet started, scan the QR code with your phone camera! Lons sring  $2,000*Payments made over 16 months*Bi-weekly payments of $75.00*Apply regardless of your credit score Get the funds you need today!

FOP LEGAL DEFENSE PLANADMINISTRATIVE ON & OFF DUTY CIVIL CRIMINAL foplegal.com

The FOP Legal Defense Plan was created and is governed by the National FOP. It is a self-funded plan available to FOP members. The plan offers coverage for administrative, civil, and criminal proceedings against plan participants. Our participating attorneys have defended thousands of cases and the plan has spent over $90 million dollars in legal fees on behalf of plan participants.The FOP Legal Defense Plan is financially secure and offers you and your lodge members very affordable and comprehensive coverage. The plan is sponsored by the National FOP, and is managed and administered by a board of trustees. Enrollment is administered by Hylant and claims are administered by Sedgwick CMS on behalf of the FOP Legal Plan, Inc.Legal defense coverage has become a necessity for law enforcement as the frequency and cost of allegations against peace officers continue to rise. The Fraternal Order of Police Legal Plan offers you and your lodge members a very affordable comprehensive plan.

Protecting Your Future TODAY.Featured Benefits Include:• Sponsored by the National FOP and operated by the FOP Legal Plan, Inc. since 1995• Administered and managed by the Legal Plan board of trustees• Coverage for: – Administrative disciplinary proceedings (including on and off-duty conduct) – Civil lawsuits (duty-related conduct) – Criminal investigations, prosecutions and grand jury proceedings (duty-related conduct)• Choose your own attorney • Provides job and financial protection• Expert claim and enrollment administration dedicated to the plan• Available to FOP groups and individuals• One price nationwide–not experience rated

FOP Legal Defense Plan PricingFull Coverage Group and Individual RateTwo-Coverage Group and Individual Rate$324 Annual $72 Annual Administrative Criminal Criminal Civil CivilPayment OptionsLODGESMay elect to pay annually, semi-annually or quarterly. ACH payment is recommended.INDIVIDUALSMay pay either annually or semi-annually.Payment may be made by check, money order or credit card. Please make checks payable to FOP Legal Plan, Inc.For enrollment and marketing information, please contact Hylant at 1.800.341.6038 or info@foplegal.com.

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.

Request Your MatchStart By Visiting:ebsunioncollegebenefit.org/FOPGet Matched Get ContactedYou are matched to anin-Network highereducation institutionthat closely aligns withyour interests,experiences, and goals.An admissions counselor atyour matched college oruniversity reaches out toyou with more informationabout your next steps inthe process.Earn a certificate, associate, bachelor’s, or master’s degree while attending part-timeor full-time. Network colleges and universities offer these programs and more:Associate of Science in Business Administration * Associate of Science in Criminal JusticeAssociate of Arts in General Studies * Bachelor of Science in Business Administration *Bachelor of Science in Criminal Justice * Bachelor of Science in Human Resource Management* Bachelor of Science in Organizational Leadership & Management * Master of BusinessAdministrationFOPCOLLEGE BENEFITYour Education Your WayEBSunioncollegebenefit.org/FOPTuition Discounts on 100+ ProgramsAs a member of the FOP Union, you and your family have access to discounted tuitionrates for certificates and degrees. Get matched with an in-Network college or universitythrough your FOP education benefit.Employee Benefit Systems, Inc."Trusted by Unions Since 1997"Are you interested in exploring opportunities for professional development or personalgrowth, or is a family member ready to return to college and chase their dreams? Either way,your union’s college benefit has you covered.How the College Benefit Works Visit: ebsunioncollegebenefit.org/FOP

Your Future IsRight In FrontOf You!Powered by theFOP COLLEGE BENEFITYour Education Your WayINVEST IN YOUR FUTURE WITH A DEGREE TAILORED TO YOUAbout Employee Benefit SystemsEBS offers 30 years of combined experience in the union benefit space in collaboration withthe FOP.Why does FOP partner with EBS?Every single EBS employee is a proud UNION member.Our experience allows us to uniquely understand the needs of our union partners. As leaders, we stand ready to provide creative solutions to your benefits needs.About the EDUTrust NetworkEDUTrust Network consists of a network of carefully selected colleges and universities.What do the EDUTrust colleges and universities provide?Discounted tuition rates for 100+ online programs built for adult students.A supportive, personal admissions experience with a college or university admissionscounselor.Transcript evaluation to determine how existing credits will translate to your degreestudent support services, offered by the EDUTrust college or university. These servicesinclude career counseling, financial aid counseling, and disability services to navigate thechallenges of returning to school.ABOUT YOUR FOP UNION COLLEGE BENEFITEBSunioncollegebenefit.org/FOPVisit: ebsunioncollegebenefit.org/FOP Your EBS Union College Benefit helps you find the right college and the right degree optionsthat are most important to you. Employee Benefit Systems (EBS) delivers this educationbenefit to you and your entire family!

Do you need assistance?Call and speak to an agent at 833-623-2680 or you may contactGena Maytubby, FOP Benefits National Marketing Director atGMaytubby@sfandc.com

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