LODD versus an off-duty death: What you need to know about insurance coverage

Author: Doug Wyllie, PoliceOne Editor at Large One of the things police officers worry about is ensuring their family’s financial stability in the event of their death. We talk all the time about line-of-duty deaths, but rarely do we discuss incidents or accidents that suddenly claim the life of an off-duty police officer. In these cases, does your department’s insurance cover you, or is there a coverage gap? Some departments only offer coverage for line-of-duty deaths, leaving off-duty...