Become a SCFOP12 Member

$2,500 Accidental Death benefit is 24 hour coverage. This benefit pays when a  member dies from a covered accidental bodily injury that is independent of all other causes.

$32,500 Line of Duty benefit is paid in addition to the Accidental Death benefit when a member is killed while performing the duties of law enforcement.

$2,500 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 hands or feet – $2,500
Loss of hand or foot – $1,250
Reattachment of hand or foot – $2,500
Loss thumb and index finger of same hand – $625
Loss of Speech – $1,250
Loss of Hearing (both ears) – $1,250
Loss of sight, both eyes – $2,500
Loss of sight, one eye – $1,250
Quadriplegia – $2,500
Paraplegia – $1,875
Hemiplegia – $1,250
Uniplegia – $625

$2,500 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.

$2,500 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.

$2,500 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.

The FOP, working with John Cipolla Insurance Consultants, pays the benefits in the following manner unless designated otherwise:
benefit is paid to the surviving spouse, if none,
equally to living children; if none,
equally to living parents; if none,
equally to living brothers and sisters; if none,
to the estate.
or, contact the lodge if you need to request a special beneficiary.

A self-funded ERISA plan that is available to eligible FOP groups and individual members. The Plan provides coverage for administrative proceedings, including those arising off-duty and outside the scope of employment, civil lawsuits, and criminal investigations, prosecutions, and grand jury proceedings that arise in the scope of your law enforcement employments.

The Legal Defense Plan was created and sponsored by the FOP Grand Lodge on May 1, 1995. Decisions surrounding the operation of the Legal Defense Plan are made by the appointed FOP Legal Defense Plan Board. 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:

• Coverage A – Administrative (includes Administrative Off-Duty)
• Coverage B – Civil
• 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.

For information visit: FOP Legal Defense Plan and SCFOP Legal Defense

The SCFOP12 officer in distress fund is utilized for officers that have been displaced or in need of financial assistance. We have made donations to officers affected from natural disasters as well as officers in desperate times of need. The fund helps to provide critical financial support directly to law enforcement officers who suffer extraordinary tragedies in the line of duty or outside the line of duty.

Our assistance has ranged from incidents involving line of duty deaths to officers who have lost their homes in fires. The fund assists officers within the established chartered boundaries of Lodge 12 and they do not have to be active members of the Fraternal Order of Police to receive assistance. While this can be considered as a benefit to our members, we also collect donations to hold onto for such emergencies – and every bit goes to the purpose of the fund – to helping officers in need.

The SCFOP12 educational fund is set up to be utilized for the support of additional training opportunities as well as for scholarships for our members. As technologies change and new law enforcement techniques are established, it is important to keep learning more whenever possible.

The FOP also offers Tuition Reimbursement Scholarships at NFOPU Schools

Membership with the FOP allows you to join the National Police Credit Union. NPCU is a division of Chicago Patrolmen’s Federal Credit Union, serving Chicago Police Officers since 1938.

The Grand Lodge Board and the NPCU Auto Loan Program offers the following benefits:

• Rates as low as 1.49% APR*
• Covers new and currently owned vehicles
• Reduced documentation
• Offers loan pre-approval so you can negotiate like a cash buyer
• Can be combined with manufacturer rebates to maximize member value

The NPCU also allows for Online Banking, Bill Pay, and the Shared Branch network. Enjoy access to low rates on everything from new and used autos and motorcycles, to signature loans. Complete the Online Membership Application to join.

*Annual Percentage Rates subject to change without notice and vary based on term and credit score. Additional restrictions may apply.

The Grand Lodge has partnered exclusively with Commerce Bank to offer members the Fraternal Order of Police Affinity Credit Card. This Visa® Rewards Credit Card is 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 shows support for the Fraternal Order of Police every time you make a purchase. Apply now!

To obtain a South Carolina Fraternal Order of Police license plate, visit your local South Carolina Department of Motor Vehicles office. During the registration process, DMV officials will need your current registration, insurance card, and current year’s Fraternal Order of Police membership card. The fee is $30.00 plus the regular registration fee. These plates can only be issued to active members in good standing of the FOP.

Contact your FOP Lodge for more information about:

• Auto Rental Discounts
• Discounted Home & Auto Insurance
• Discounted Mortgage Rates
• FOP Discounted Cruises
• Lodge Fidelity Insurance
• Moonlighting Liability Insurance
• Tuition Reimbursement Scholarships – NFOPU Schools