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• What benefits would an injured volunteer receive? The plan provides three basic benefits: 1. Disability benefit. A volunteer who is unable to engage in the activities of his/her normal occupation because of an injury suffered while performing volunteer services for the city will receive a disability benefit of $400/week for up to 26 weeks. 2. Death benefit. If a volunteer dies as a result of an injury suffered while performing volunteer services for the city, a death benefit of $100,000 will be paid to the volunteer's survivors or estate. 3. Impairment benefit If a volunteer suffers a permanent impairment or disability as a result of an injury suffered while performing volunteer services for the city, the volunteer will receive a lump sum payment as compensation for that impairment. Payments are based on the percentage of disability, ranging from $750 fora 1 % disability to $100,000 for 100% disability. The percentage of disability is determined in the same manner used for impairment compensation in the workers compensation system. For an additional charge the city can add coverage for up to $1000 of medical costs. This limited • medical coverage is intended to pick up relatively minor first aid costs. On more serious injuries, it could also be applied to costs which the individual would otherwise have to bear under his/her own health coverage's deductible or co-pay provisions. What does it cost? The cost is based on the city's population. The basic annual charge is $.10 per capita, subject to a minimum premium of $150 and a maximum premium of $1500. The additional cost to add the optional medical coverage is 45% of the basic premium. Coverage for volunteers working on a construction or demolition project can be added for a charge of $300 per project, or $435 per project if the optional medical coverage is included. The expiration date of this coverage will be coordinated with the city's LMCIT workers compensation coverage. For cities that add this coverage mid-term, the initial premium will be pro-rated. Why would the city want this coverage? Aren't injuries to volunteers already covered under the city's liability coverage? An injury to a volunteer would be covered by the LMCIT liability coverage only if the city was legally liable for that injury; that is, if the injury was caused by some negligence by the city or a city officer or employee or another city volunteer. However, just as with any other tort claim, the city would not be liable for an injury to a volunteer if the volunteer him herself were more at