Whenever volunteer firefighters and medical first responders answer a call they risk more than their lives to selflessly serve others--they risk their economic livelihood due to hazards that can cause injury, illness, or even death. Even in states that have liberal Workers' Compensation benefits, there are many shortcomings and loopholes to face. Disability limitations, waiting periods, pre-existing medical condition exclusions, and restrictions for heart attacks are just a few of the problems that emergency responders may encounter. These shortcomings can cripple a family's financial stability. That's where Accident and Health Insurance can make a real difference by providing benefits that Workers' Compensation may not cover. Why choose the Blanket Accident & Health (A&H) insurance policy?