Assault, Trauma & Captivity Coverage

A Valuable No Cost Benefit

The PEF Membership Benefits Program (PEF MBP) insures PEF members for the trauma associated with an assault or hostage situation while performing their job duties.


All active, dues-paying PEF members and staff of the New York State Public Employees Federation (PEF) are automatically covered at no cost, provided they have been employed in an eligible PEF position, prior to the incident.

Coverage Provided

Assaults while in pursuit of his/her occupational duties


  • $2,500 for fractures, rapes, or assaults that require two (2) consecutive nights of hospitalization due to injuries occurring while on the job.
  • $2,000 for an assault that involves the flinging of human waste materials or bites.
  • $1,000 for all other injuries that result from an assault while on the job.

Accidental death, dismemberment, or permanent total disability during, or resulting from, assault or captivity


  • $10,000 per person, to a maximum of $300,000 per incident, for all covered members involved.

Captivity for eight (8) hours or more while in the pursuit of his/her occupational duties


  • $100 per hour, up to $1,000 maximum per person, per calendar day, to a maximum of $10,000 per person, per occurrence, up to an annual maximum total liability of $300,000 for all occurrences in any fiscal year.

PLEASE NOTE: Claims must be submitted within two (2) years of the date of the incident.


In the event of the death of an insured person occurring under the terms of this policy, the death benefit shall be paid in the following order:

  • To spouse, if living
  • If no spouse, in equal shares to the children
  • If no children, in equal shares to the parents
  • If no parents, in equal shares to siblings
  • If no siblings, to the estate

If the beneficiaries are minors, or cannot give a valid release, payment will be provided to the duly appointed guardian or committee.


  • An assault will be deemed to have occurred when such action would be a violation of the state penal code dealing with assault and results in the insured person being disabled from their usual occupation for a period of five (5) consecutive working days or more. This means five (5) working days of absence from the profession, which must be authenticated by certifications by a medical doctor starting on date of incident and supportive documentation of time off (copies of timesheets).
  • Evidence of assault to be a police or peace officer’s report, charging the person with assault and that member is willing to press charges.
  • Captivity exists when an employee is held against his/her will and has been refused release, in excess of eight (8) hours.
  • For each loss event, benefit shall be payable under one item of coverage.
  • The plan will use the NYS Penal Law definition of “assault” as the guideline for all claims: Criminal Assault occurs when the actor causes physical injury to the victim. NYS Penal Law, Article 120. Physical injury means impairment of physical condition or substantial pain. Whether pain is suffered and the degree of pain suffered may vary among individuals but, at a minimum, excludes such things as “petty slaps, shoves, kicks, and the like.”
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