Life & Income Protection
As a member of the New England Police Benevolent Association (NEPBA), you gain access to a comprehensive package of benefits designed to protect your health, your family, and your career. From dental and vision coverage to wellness resources, life insurance, and supplemental plans, your membership goes far beyond representation.
Life & Income Protection
All full-time active NEPBA members are automatically enrolled in Basic Life and Accidental Death & Dismemberment (AD&D) coverage through Boston Mutual Life Insurance Company.
This plan provides:
- $10,000 in Basic Life Insurance coverage
- Accidental Death & Dismemberment (AD&D) protection, including additional coverage if death is the result of a covered accident
- Accelerated Death Benefit — receive a portion of your life insurance benefit if diagnosed with a terminal illness (life expectancy of 12 months or less)
- Portability — coverage can continue if you leave employment prior to age 60 (for yourself, spouse under 60, and eligible dependent children)
- Conversion — option to convert group coverage into an individual permanent policy within 31 days of termination without medical underwriting
- Waiver of Premium — if you become totally disabled prior to age 60, coverage may continue without further premium payments
- Additional Features — including an Education Benefit, Seat Belt Benefit, and Repatriation of Remains Benefit
This coverage is provided as part of your NEPBA benefits package, giving peace of mind to you and your family.
Colonial Life Voluntary Life & Supplemental Benefits
Through Colonial Life, members can choose additional coverage tailored to their needs, including:
- Supplemental life insurance for members and dependents
- Accidental death & dismemberment (AD&D) coverage
- Critical illness and hospital indemnity benefits
- Disability income protection to safeguard your paycheck
These voluntary benefits are flexible and affordable, giving you and your family an extra layer of financial security.
Why These Benefits Matter
- Financial Security — Lower costs through group-negotiated rates
- Comprehensive Care — Health, vision, wellness, and life coverage all in one place
- Peace of Mind — Resources for you and your family, inside and outside the workplace
- Trusted Partners — Benefits designed and vetted specifically for first responders
How to Enroll & Use Your Benefits
- Sign Up during NEPBA onboarding or open enrollment.
- Select Providers using directories for Altus Dental, EyeMed, and Colonial Life.
- Access Wellness Resources through First Responder Wellness of Merrimack Valley.
- Review Automatic Coverage — Boston Mutual Life Insurance is already included for eligible members.
- Reach Out Anytime — NEPBA Member Services and our benefit partners are here to help.
Questions?
Our team is committed to ensuring that every NEPBA member takes full advantage of these benefits. For more details on coverage, providers, or how to access services, reach out to us at: contact@nepba.org.