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Access to three PPO Plans that usethe extensive Cigna PPO Network National provider accessExclusive for Michigan FOP membersIndividual, spousal, and family plansPremiums average 20% lessthan market place plansHELPS Act acceptedThe Michigan Fraternal Order of Police offers its retired membersunder age 65 incredible Health Insurance throughout the United States.additional premium benefits added to all Thin Blue Line Plans: Chronic CareArthritis and pain managementCancer supportStroke and heart diseaseHigh blood pressureChronic care management Diabetes managementand assistanceMental Health24 hour crisis call lineSame counselor option In office counselingRemote video/tele counseling$0 deductible / $0out-of-pocket maxVirtual workshopsRxDirect commercial wholesalepricingFree mail order available400 medications at $0 cost(93% of medications)International sourcing forspecialty and higher-priced drugsNEWThin Blue Line Benefits Healthcare Coveragefor Michigan Fraternal Order of Police members www.thinbluelinebenefits.com/MIFOPGet started today!866-921-2583

“I’m a retired police officer with 27 years of law enforcement. WhenI was introduced to Thin Blue Line Benefit Program I did a lot ofresearch, and later signed up. I wish I found them earlier! I canassure you this company is pro police and fire, and even offers acare navigator to help you with any and all aspects of the benefits.I’ve been working with her and ...WOW what a great experience andpersonal attention. I cannot stress enough telling my blue and redfamily, you will be happy with what Thin Blue Line Benefits offers.You won’t be left stranded!”Pete D., 27 Year Police Officer (Texas)“I signed up. Thank you formaking this affordableoption a reality.”Ray J., Retired Law Enforcement“The team at Thin Blue Line Benefits really doespractice what they preach. They truly care about firstresponders. They came through with tremendoussupport for our non-profit organization that directlysupports fallen firefighters and their families.”Mike M., Fire Battalion Chief“The people at Thin Blue LineBenefits are great to work with.They saved me over $600 a monthon my individual health care!”Tim P., California Deputy Sheriff, Retired“The customer service provided by you andyour team is beyond amazing. Better thananything I’ve experienced by any companyunder any circumstances.” D.H., Retired Law Enforcement, Arizonacustomers love thin blue line benefits!

ULTRAPRIMEVALUEPLAN INFORMATIONANNUAL DEDUCTIBLE$500 INDIVIDUAL$1,000 FAMILY$1,200 INDIVIDUAL$2,400 FAMILY$5,000 INDIVIDUAL$10,000 FAMILYOUT-OF-POCKET MAX (OPM)(ALL COPAYS APPLY TO OPM)$4,500 INDIVIDUAL$9,000 FAMILY$6,000 INDIVIDUAL$12,000 FAMILY$5,000 INDIVIDUAL$10,000 FAMILYPHYSICIAN OFFICE SERVICES - IN PERSON VISITOFFICE VISIT PCP /SPECIALIST$25/$50$35/$65$15/$15CO-INSURANCE80/2080/20100%SPECIALISTS (NO REFERRAL)YESYESYESURGENT CARE AND EMERGENCYURGENT CARE$40 COPAY$40 COPAY$50 COPAYEMERGENCY ROOM $500 COPAY (WAIVED IF ADMITTED)$500 COPAY(WAIVED IF ADMITTED)$1,000 COPAY (WAIVED IF ADMITTED)RXRX GENERIC TIER 1$0-$15 COPAY$0-$15 COPAY$0-$15 COPAYPREFERRED NAME BRAND INFORMULARY20% COINSURANCE20% COINSURANCEN/ANON PREFERRED RX / SPECIALTY RXNON PREFERRED COVERED AT30% COINSURANCE AFTERDEDUCTIBLE SPECIALTY COVERED AT 50%COINSURANCE AFTERDEDUCTIBLENON PREFERRED RX IS COVEREDAT 30% COINSURANCE AFTERDEDUCTIBLEN/AOTHER BENEFITSCHIROPRACTIC$25 COPAY FOR UP TO 10SESSIONS$35 COPAY FOR UP TO 10SESSIONS$0 COPAY AFTER DEDUCTIBLEFOR UP TO 10 VISITSPHYSICAL THERAPY20% COINSURANCE AFTERDEDUCTIBLE. 25 VISITS INNETWORK20% COINSURANCE AFTERDEDUCTIBLE. 25 VISITS INNETWORK0% COINSURANCE AFTERDEDUCTIBLE. 25 VISITS INNETWORKPPO NETWORK MENTALHEALTH$50 COPAY$65 COPAYDEDUCTIBLE APPLIESTELEHEALTH$0 COPAY$0 COPAY$0 COPAYPlan year is from 09/01/2024 to 08/31/2025 All 3 Thin Blue Line Benefits PPO plans use the extensive Cigna PPO Network Thin Blue Line Benefits Association Holdings, LLC is a Registered and Licensed Texas Corporation.Health Insurance plans are exclusively sold and issued to association members and their dependents.Always refer to the official SBC document for plan details, limitations and exclusions.This plan comparison is for illustrative purposes only and does constitute a complete list of coverage.Healthcare Plans by Thin Blue Line BenefitsAll copays (Rx and medical apply to out-of-pocket max)

CHRONIC CARE VIRTUAL/ TELE SERVICESCHRONIC CARE MANAGEMENT SERVICES100% IF NO RX REQUIRED / $45 COPAY IF RX PRESCRIBEDDIABETES MANAGEMENT AND ASSISTANCE100% IF NO RX REQUIRED / $45 COPAY IF RX PRESCRIBEDSTROKE AND HEART DISEASE100% IF NO RX REQUIRED / $45 COPAY IF RX PRESCRIBEDARTHRITIS AND PAIN MANAGEMENT100% IF NO RX REQUIRED / $45 COPAY IF RX PRESCRIBEDHIGH BLOOD PRESSURE100% IF NO RX REQUIRED / $45 COPAY IF RX PRESCRIBEDCANCER SUPPORT100% IF NO RX REQUIRED / $45 COPAY IF RX PRESCRIBED07/31/2024MENTAL HEALTH OVERALL DEDUCTIBLE$0OUT-OF-POCKET MAX$0MENTAL HEALTH COUNSELING IN OFFICE$4524 HOUR CRISIS CALL LINE100% COVEREDREMOTE VIDEO OR TELE COUNSELING100% COVEREDBEHAVIORAL HEALTH TELE / VIDEO COUNSELING100% COVEREDSAME COUNSELOR OPTION AVAILABLE FOR VIRTUAL / TELE CARE100% COVEREDVIRTUAL WORKSHOPS100% COVEREDRX ENHANCED RIDER400 GENERIC MEDICATIONS (93% OF MEDICATIONS)$0NAME BRAND RX AND SPECIALTY RXDIRECT COMMERCIAL WHOLESALE PRICING/NON PBMVALUEPRIMEULTRAMEMBER$778.00$937.00$1187.00MEMBER + SPOUSE$1398.00 $1742.00$2096.00MEMBER + CHILD(REN)$1344.00$1624.00$2047.00FAMILY$1986.00$2393.00$3005.00Healthcare Plans by Thin Blue Line BenefitsPlan PremiumsPlans and premiums published as of July 2024 and are subject to change at any timeNew additional chronic care, mental health, and Rx benefits added for all Thin Blue Line Plans(Rx Enhancement does not apply towards deductible or OPM)

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WhatWhat isis AccidentAccident coverage?coverage?ThisThis coveragecoverage payspays benbenefitsefits forfor coveredcovered injurinjuries,ies, such such asas cutcuts,s, broken broken bones,bones, concussions,concussions, hospithospitalizatalizationsionsandand ototherher relrelatedated eexpenses.xpenses. BenefBenefitsits areare paidpaid directdirectlyly to to thethe insuredinsured andand cancan helhelpp proprotecttect theirtheir familyfamily frfromom the the financialfinancial challenges challenges thatthat cancan ccomeome fromfrom anan accidentaccident..CoverageCoverage highlightshighlights •• --2424 hourhour coveragecoverage •• & & IndiviIndividual, spdual, spouse ouse famifamily ly coverage*coverage* •• MayMay bebe portportableable •• AfAfforfordabledable rarattes, es, notnot basedbased onon ageage •• Convenient payrConvenient payroll oll deductdeductionionWhatWhat benefitsbenefits areare included?included?PolicePolice AccidentAccident a a InsuranceInsurance includesincludes benefitsbenefits for for rarangenge of covered of covered accidentsaccidents and and additadditionalional bebenefits,nefits, includingincluding but not but not limitedlimited totothethe basebase planplan benebenefits fits lilisted sted below. Obelow. Officefficersrs sselectelect thethe coverage coverage levellevel thatthat fifitsts ttheheirir family’family’ss uniqueunique needs.needs.AdditionalAdditional optionaloptional benefitsbenefitsOfficOfficererss cancan alsoalso choosechoose toto includeinclude upup toto 33 additadditionalional benefibenefits.ts. ++ WellnessWellness Benefit:Benefit: PaysPays anan annualannual $50$50 benbenefit efit fofor r complecompletingting sscrcreenieeningng routineroutine heal healthth examinationsexaminations andand other other prevpreventatentativeivetesting,testing, sucsuchh asas thosethose listlisted ed bebelow.low. BeBenefitsnefits araree paidpaid upup toto a a mamaximumximum 22 ofof visitsvisits perper calcalendarendar yearyear forfor memembermber--onlonlyy coveragecoverage aandnd 44visitsvisits perper yeyearar forfor dependentdependent coverage.coverage. ++ TotalTotal DisabilityDisability Benefit:Benefit: PaysPays forfor disabilitiesdisabilities resultingresulting fromfrom onon- - oror offoff--tthehe--jobjob acciaccidentdentss aandnd sicksicknesses.nesses. TheThe insurinsured ed chooseschooses thethedailydaily benefitbenefit amountamount ofof upup toto $120/day$120/day inin benefbenefits,its, notnot toto exceedexceed 60%60% ofof pay,pay, aa andand maximumaximumm bbenefitenefit periodperiod ofof 6,6, 1212 oror 2424 months.months.ThereThere isis a a 7-7-dayday elimination elimination periodperiod foforr accideaccidentsnts andand a a 3030--dayday elimination elimination periodperiod forfor sicknsicknessesesses.. •• AnnualAnnual physicaphysicall eexaxa msms •• DentaDental l examsexams •• MaMammogrmmogramsams •• PapPap smearsmearss •• EyEyee exaexamsms •• ImmuImmunizanizatitionsons •• FlexibleFlexible sigmoidoscopiessigmoidoscopies •• PrProstaostatete-- specispecificfic anantigentigen testtestss (PS(PSAAss)) •• BloodBlood sscrcreenieeningsngs •• UlUltrasoundstrasounds BenefitBenefit BronzeBronze SilverSilver GoldGoldAcciAccidentdent MedicalMedical ExpenseExpense BenefBenefitit $250$250 $500$500 $750$750AcciAccidentdent HospitalHospital IndemnityIndemnityUpUp toto 180180 days,days, ststartsarts firstfirst dayday ofof confinementconfinement $100$100 $200$200 $300$300AmbulanceAmbulance ServiceService BenefitBenefit (Gr(Ground/Air)ound/Air) $100/$200$100/$200 $200/$400$200/$400 $300/$600$300/$600GunshotGunshot WoundWound BBenefitenefit $2,500$2,500 $5,000$5,000 $10,000$10,000KnifeKnife WoundWound BenefitBenefit $1,250$1,250 $2,500$2,500 $5,000$5,000FracturesFractures UpUp toto $2,000$2,000 UpUp toto $4,000$4,000 UpUp toto $6,000$6,000DislocationsDislocations UpUp toto $2,000$2,000 UpUp toto $4,000$4,000 UpUp toto $6,000$6,000AccidentalAccidental DeathDeath && DismembermentDismemberment UpUp toto 20,00020,000 UpUp toto $40,000$40,000 UpUp toto $60,000$60,000ACCIDENTACCIDENT INSURANCE INSURANCE FORFOR LAWLAW ENFORCEMENTENFORCEMENT

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TheThe insuredinsured chooseschooses if if eligibleeligible accidentaccidentss araree coveredcovered atat 1x1x oror 2x2x tthehe listedlisted benefbenefitit amount.amount.BenefitBenefitBenefit Benefit amountamountBenefitBenefitBenefit Benefit amountamountBenefitBenefitBenefit Benefit amountamountLacerationsLacerations$50$50EyeEye InjuryInjury$100$100HerniaHernia RepairRepairSurgerySurgery$500$500BurnsBurnsUpUp toto $500$500BrainBrain InjuryInjuryDiagnosisDiagnosis$150$150ExploratoryExploratorySurgerySurgery$100$100SkinSkin GraftGraft50%50% ofof PaiPaid d BurnBurn BenefBenefititBloodBlood && PlasmaPlasma$300$300Abdominal, Abdominal, Cranial,Cranial, Thoracic Thoracic SurgerySurgery$1,000$1,000TendonTendon$500$500Immediate Immediate HospitalizationHospitalization$1,000$1,000ProsthesisProsthesisUpUp toto 22 DDevicesevices$500/device$500/deviceLigamentLigament$500$500HospitalHospital ICUICU$400/day$400/dayParaplegiaParaplegia$10,000$10,000KneeKnee CarCartilagetilage$500$500NonNon--Local Local TransportationTransportation$300$300QuadriplegiaQuadriplegia$20,000$20,000RupturedRuptured DiscDisc$500$500FamilyFamily Member Member LodgingLodging$100/day$100/dayAccidentAccident --FollFollowowupup TreatmentTreatment$50$50RotatorRotator CuffCuff$500$500AppliancesAppliances$125$125PhysicalPhysical TherapyTherapy$30/day$30/dayReadyReady toto learnlearn mormore?e?VisitVisit wellwellfleetworfleetworkplace.comkplace.com oror contactcontact youryour locallocal SaSalesles RepresentativeRepresentative directly.directly.ExclusionsExclusions && limitationlimitationssNoNo benefits benefits areare payapayable ble whwhenen a a coveredcovered person’sperson’s lossloss isis caused caused oror concontrtributeibuted d toto bby:y: SuSuicide,icide, while sane while sane oror ininsane,sane, oror attemptedattempted suicide; suicide; intentionally intentionally seselflf--inflictinflicteded injury;injury; AnyAny actact ofof warwar wwhethhetherer oror nnotot declared; Participdeclared; Participationation in in a a riotriot,, oror insurrection; insurrection; •• InjurInjury y sustainsustained ed whilewhile ononfullfull--time active time active duty (otherduty (other thanthan forfor ttwowo (2)(2) monthsmonths oror lless ess training)training) in anyin any military,military, naval naval oror airair foforce.rce. 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AllAll RightsRights Reserved.Reserved.WBWB AccideAccidentnt LawLaw – – – – EEnforcenforcement ment 2020 100102100102 0601202106012021 Approved StApproved States :ates :AL, AZAL, AZ, FL, GA, , FL, GA, HI, IAHI, IA, LA, MI, , LA, MI, NE, NV, ONE, NV, OK, TXK, TX

The Michigan FrThe Michigan Frataternal Order of Pernal Order of Police has police has parartnered with tnered with . Get . Get BMG MoneyBMG Moneyaccess taccess to ro reliable, afforeliable, affordable online installment loans to help ydable online installment loans to help you regarou regardless of dless of your cryour credit histedit historyory. . *Fixed simple int*Fixed simple interest raterest rate 31.69% per ye 31.69% per year with a one-time fee of $59.00. Fear with a one-time fee of $59.00. For exor example, a $2,000 loan repaid in 35 installments oample, a $2,000 loan repaid in 35 installments over 16 months, the ver 16 months, the APRAPR will be will be 35.99%35.99% and the approximatand the approximate bi-weekly pae bi-weekly payment will be $75.yment will be $75.00 (assumes a loan ex00 (assumes a loan execution date of 01/18/2023). Other terms and con-ecution date of 01/18/2023). Other terms and con-ditions applyditions apply, and your loan may v, and your loan may vary depending upon your loan exary depending upon your loan execution date, actual payroll deduction schedule, etecution date, actual payroll deduction schedule, etc. Must be employed for at c. Must be employed for at least twleast two (2) yeo (2) years with your employars with your employer to be eligible ter to be eligible to applyo apply. Not all applicants will qualify for a loan. All loans mark. Not all applicants will qualify for a loan. All loans marketed by BMG Moneeted by BMG Money are made y are made by Wby WebBank, except, as of 12/08/2ebBank, except, as of 12/08/2023 the loans made to residents of Illinois, Io023 the loans made to residents of Illinois, Iowa, Nebraska, New Jerseywa, Nebraska, New Jersey, New Y, New York, Ohio, Rhode Island are made ork, Ohio, Rhode Island are made by BMG LoansAby BMG LoansAtWtWork, LLC.ork, LLC.Sign up now atSign up now atapp.bmgmoneyapp.bmgmoney.com/.com/signupsignup and and “ “TYPETYPE Michigan FratMichigan Fraternal Order ernal Order of Policeof Police” as the name of y” as the name of your employerour employerGet started, scan the QR code with yGet started, scan the QR code with your phone camour phone camera! era! Lons sLons sring  $2,000*ring  $2,000*PaPayments made ovyments made over 16 months*er 16 months*Bi-wBi-weekly payments of $7eekly payments of $75.00*5.00*Apply regarApply regardless of your crdless of your credit score edit score Get the funGet the funds yds you nou needeed t todayoday! !

FFOOP LEP LEGGAL DEAL DEFEFENSNSE PLE PLANANADMADMIINNIISSTRTRAATIVE TIVE ON & ON & OFOFF DUF DUTTYY CI CIVVILIL CR CRIMINIMINAAL L fo p l ef o p l e g a lg a l .c o m. c o m

The FOThe FOP Legal DefeP Legal Defense Plan was created annse Plan was created and is governed by d is governed by the National FOPthe National FOP. It is a self-funded plan avail. It is a self-funded plan available to FOable to FOP P membmemberers. Ts. The plan ofhe plan offerfers coverage for administrative, civil, s coverage for administrative, civil, and criminal proceedings aand criminal proceedings against plan pargainst plan participants. ticipants. Our parOur particiticipating atpating attorneys have defetorneys have defendended thousd thousands of cands of caseases s and the plan has spand the plan has spent over $ent over $990 mill0 million dollars in leion dollars in legal fees ogal fees on n behalf of plan parbehalf of plan participantsticipants..The FOThe FOP Legal DefeP Legal Defense Plan is finannse Plan is financialcially sely secure and ofcure and offerfers you s you and your lodge mand your lodge membemberers vers very afy affordable anfordable and comprehed comprehensive nsive coverage. The plan is sponcoverage. The plan is sponsoresored by the National FOPd by the National FOP, and is , and is managed anmanaged and administered administered by a board of trud by a board of trusteesteess. Enroll. Enrollmement nt is administeis administered by Hylant and claims are administerered by Hylant and claims are administered by d by SedSedgwick CMgwick CMS on behalf of the FOS on behalf of the FOP Legal Plan, IncP Legal Plan, Inc..LegalLegal defens defense covere coverage haage has bes become a necome a necescessitsity for ly for law enforcement aw enforcement as the fras the frequenequenccy and cost of aly and cost of allegatlegations agaions against peace oinst peace offficficers ers concontitinue tnue to ro rise. The Fise. The Fraternal Orderaternal Order of Polir of Police Legace Legal Pll Plan ofan offers youfers you and your loand your lodge memberdge memberss a ver a very afy afffordableordable comprehensi comprehensive plve plan.an.

PrPrototecting Yecting Your Four Futuruture e TTOODDAYAY..FeatFeatured Benefits Includeured Benefits Include:: • • SponSponsoresored by the National FOd by the National FOP and opP and operated erated by the FOP Lby the FOP Legal Plan, Inegal Plan, Inc. since 1995c. since 1995 • • AdministereAdministered and managd and managed by the Led by the Legal Plan egal Plan board of truboard of trustesteeses • • CoveCoveraragege fo for:r: –– AdminisAdministrative ditrative disciplinarsciplinary proy proceeceedingdings s (in(including on and ofcluding on and off-f-dutduty conducy conductt)) –– Civil laCivil lawwsuits (suits (dutdutyy-related condu-related conducct)t) –– Criminal invesCriminal investigatigationstions, p, prosrosecuecutiontions s and grand jurand grand jury py proceeroceedings dings (duty-(duty-relrelated cated conduct)onduct) • • Choose your own atChoose your own attorneytorney • • Provides joProvides job and financial protecb and financial protectiontion • • ExperExpert clait claim and enrm and enrollmentollment adminisadministratiotration den dedicdicatedated to the pla to the plann • • AvAvailable to FOP groups and individualsailable to FOP groups and individuals • • One pOne price nationwiderice nationwide––not exnot expeperience ratedrience rated

FOP Legal Defense Plan PrFOP Legal Defense Plan PricingicingFFull Cull Coveroverageage Group and IndiGroup and Indivvidual Rateidual RateTTwowo-C-Coveroverageage Group and IndiGroup and Indivvidual Rateidual Rate $$33224 A4 Annualnnual $72$72 A Annualnnual Adminis Administrtrativeative Cr Criminaiminall Cr Criminaiminall Ci Civvilil Ci CivvililPayPaymentment Option OptionssLODGELODGESSMay eleMay elecct to pay annually, semit to pay annually, semi-annu-annually or quarally or quarterlyterly. ACH payme. ACH payment nt is recomis recommended.mended.INDIINDIVIDVIDUALUALSSMay pay eithMay pay either annually oer annually or semir semi-a-annually.nnually.PaymPaymenent may bt may be mae made by cde by cheheckck, mo, moneney ordy order oer or crer credidit cat card. Prd. Plealease mse make cheake checkcks ps payabayable le to FOto FOP LeP Legal Pgal Planlan, In, Inc.c.For enFor enrollment anrollment and d markmarketing information, eting information, pleasplease conte contacact Ht Hylant at ylant at 1.1.880000..3341.641.6030388 or or infoinfo@@foplegal.com.foplegal.com.

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.

M A Y | M O N T H L Y B E N E F I T S 2 0 2 3

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.

NOTESNOTES

MICHIGAN FOPMICHIGAN FOPWWW.MIFOP.COMWWW.MIFOP.COMMICHIGAN FOPMICHIGAN FOPWWW.MIFOP.COMWWW.MIFOP.COM