On June 21, 1990, the North Carolina State Lodge, Fraternal Order of Police created what is now known
as the North Carolina State Lodge Death Benefit Program. The State Lodge provides a Death Benefit for
every qualified member in good standing. A listing of such members will be maintained in the State
Lodge Office.

BENEFITS

A basic benefit of $3,000 will be paid for a death by natural causes. An additional benefit of $3,000 in
the event of an accidental death and another $3,000 in the event of line of duty death. i.e.: Natural
-$3,000; Accidental - $6,000; Line of Duty - $9,000.


MILITARY PERSONNEL

Military personnel assigned to law enforcement duties are covered under the natural and accidental
portions of the coverage. Should a line of duty death occur, the State Lodge would pay that portion of the
coverage only if the death was related to the law enforcement function. The line of duty benefit will not
be paid if the death occurred either in a combat situation or any military situation not related to the law
enforcement function.

SEPARATED MEMBERS

Active members that leave law enforcement other than retirement will be dropped from the Death
Benefit Program. Active members that take a leave of absence from his/her agency to take a civilian job
in a combat zone will not be covered in the Death Benefit Program.

RETIRED MEMBERS

To become eligible for lifetime membership in the Death Benefit Program, law enforcement officers
must maintain continuous membership in the North Carolina Fraternal Order of Police at least five
years prior to retirement, unless the individual is retired on an unforeseen disability through his law
enforcement retirement system.

AFFILIATE MEMBERS

These members shall be entitled to the natural, accident and in the line of duty benefits as long as they
are employed with that agency.

DURATION

This State Lodge Death Benefit program will continue in effect so long and until such time as the North
Carolina State Lodge Board of directors decides not to continue this program, and/or modify or effect
changes to the program. It is unequivocally and expressly understood that the status of membership
does not imply any guarantee or expectation of any continued rights under this program if the Lodge
decides to discontinue this program at whatever time or for whatever reason.