KCFOP Benefits

* Insurance Coverage through Standard Insurance:

At the present time, members are also afforded the following additional insurance benefits through the Missouri State Lodge, F.O.P., via the per capita tax, which is already covered by your dues;

Current Benefits - Current Benefits - Current Benefits - Current Benefits -
$10,000 Accidental Death benefit is paid when a member dies from an injury. 24 hour coverage for all members.

$10,000 Line of Duty benefit is paid in addition to the Accidental Death benefit when a member is killed while performing law enforcement duties.

$10,000 Felonious Assault benefit is paid in addition to the Accidental Death and Line of Duty benefits when a member’s loss of life is the result of an assault while performing the duties of law enforcement.

Additional Benefits are paid when a member is involved in an accident that directly results in one of the following losses:

• Loss of Speech $ 5,000

• Loss of sight, both eyes $10,000

• Loss of Hearing (both ears) $ 5,000

• Loss of sight, one eye $ 5,000

• Reattachment of Hand or Foot $ 5,000

• Quadriplegia $10,000

• Loss of hands or feet $10,000

• Paraplegia $ 7,500

• Loss of hand or foot $ 5,000

• Loss Thumb and Index Finger $ 2,500

• $ 2,500 Uniplegia of Same Hand

• The above benefits double if in the Line of Duty.

$10,000 Seat Belt benefit pays in addition to other applicable benefits if a member dies as a result of an automobile accident while properly utilizing a seat belt, as evidenced by a police report.

$10,000 Occupant Protection Device benefit pays in addition to other applicable benefits if a member dies of injuries as a result of an automobile accident while protected by a properly deployed air bag. This benefit is only paid if the Seat Belt benefit is payable.

A $10,000 Common Carrier benefit is paid in addition to the Accidental Death Benefit when a member dies from injuries while riding on qualifying land, air, or water transportation.

* KC FOP Legal Defense Plan

With legal action against law enforcement officers on the rise, we continue to see an increasing need for comprehensive legal defense coverage.   This is why effective July 1, 2009, your legal defense plan will change.

The new and improved legal defense program was designed by attorneys and police officers to ensure the best possible protection to all FOP Lodge 99 members.  The new program is more comprehensive, has better coverage and is based here in Kansas City. The best part is that this new legal program comes with absolutely no change in your current FOP dues.

Unlike the previous legal defense plan, the new legal defense program covers FOP Lodge 99 members for any police action, whether on or off duty.

If you have questions or need further information regarding your legal program, feel free to contact any member of your FOP Executive Board or [ Click here for more information in the Legal Area ]

Legislative Activity

The KCFOP has a constant presence in Jefferson City talking to legislators about our issues and those law enforcement matters important to the service of our community.

In addition to other political activity, the KCFOP promotes and supports legislation benefiting law enforcement and the community. One prime example of this activity is the KCFOP Legislation of 2004 that made all assaults on law enforcement officers and emergency services workers a felony. This legislation was a culmination of a 3 year effort by the KCFOP to provide a better tool to prosecutors when police officers are the victims of assaults. This legislation was authored and promoted exclusively by the KCFOP. See KCFOP Assault Law passed in 2004.

Another example was the Master Patrolman/Detective legislation passed in 2004 promoted by the KCFOP to recognize tenured police officers and detectives. See Master Patrolman / Detective legislation passed in 2004.

In 2000 the KCFOP successfully blocked the passage of Senate Bill 769. The passage of this bill would have deprived Kansas City police officers of the right to a hearing before the Board of Police Commissioners for lengthy suspensions or terminations. This legislation followed a 5 year litigation by a Kansas City Police sergeant who was initially denied a board hearing over his termination. The courts forced the board hearing advising it was required by Missouri law. The resulting and protracted hearing and court battle ended with the sergeant winning the litigation and an unpublished settlement with the department in which the sergeant was retired. In the end the KCFOP was successful in defeating attempts to limit our member's access to due process. The KCFOP was also successful in providing the Board of Police Commissioners with another alternative, an independent hearing officer selected from arbitrators and retired judges. This provided our membership with an alternative elective option to a board hearing and prevented future attempts to limit our membership's due process rights. For more information refer to the KCFOP negotiated BOPC Board Hearing Resolution. Negotiations resulted in an official BOPC Board Hearing Waiver Form for the officer to opt out of the board hearing in favor of an arbitration hearing.

In 2001 the KCFOP worked together with the St Louis POA and the Missouri State FOP to pass the Stanze Bill. This legislation was eventually attached to our pay bill and provides for the restriction of Missouri DOR files relating to drivers licenses and registration information on police officers after the family of a police officer who lost his life in the line of duty was harassed by someone who located the family using the deceased officers DOR license information. See Stanze Form

In 2003 the KCFOP passed legislation removing the statutory requirement for Kansas City officers to live within the city limits. This change in the law returned the control of this restriction to the local level and allows us to lobby local legislators on this matter and not attempt to win the hearts and minds of 207 state legislators regarding a local issue they may not be concerned with. See HB709 which was later passed as amended into SB5.

In 2003 the KCFOP, this time with support from the Missouri State Lodge testified in behalf of and eventually passed legislation modifying the penalty for 1st degree assault on a police officer by making it a dangerous felony and requiring the sentenced party to serve a minimum of 85 % of his sentence prior to being eligible for parole. The KCFOP was responding to a suspect being considered for parole after serving only a few years of his sentence for the shooting and botched murder attempt of Officer Rob Blehm and Officer Derek McCollum. The Lodge also appealed to legislators, city officials, and the governor to bring the matter of this dangerous criminal's potential early release. So far he remains in the Missouri Department of Corrections. Future crimes of 1st degree assault on a police officer will meet with the increased penalties brought about by the Lodge's response to our members' needs. See SB5

The KCFOP continues to provide support to legislators who seek to pass anti-crime legislation to make Missouri a better place to live. The watch list provided to our members identifies many of the bills that we either support or oppose. The Lodge provides expertise and rank and file support to legislators from our membership that can only be provided by the working police officers and detectives that do the job. This is not a job that can be performed by any one person and we as a Lodge create a substantial asset for the Missouri legislature.

On the National Level the Grand lodge FOP works to promote legislation benefiting law enforcement officers. One of the latest successes was FOP promoted HR 218 which allows for law enforcement officers and retired officers to carry concealed weapons nationwide. Click here for a list of frequently asked questions on HR218. HR218 FAQ Sheet.

Be a part of the movement. The KCFOP represents the vast majority of officers on the KCPD and provides a voice that is heard for our members.

FOP Members Only Offers

The Grand lodge Fraternal Order of Police is the largest police organization in the country consisting of more than 2,100 local lodges and serving more than 321,000 members has worked diligently toward offering benefits to our membership nationwide. Listed below are just some of the benefits afforded to FOP members augmented by efforts of the individual state lodges and local lodges throughout the United States.