NC FOP Members Enjoy Exclusive Mortgage Perks, Including Line of Duty Death Benefit Program As the preferred lender of the NC FOP The Affinity Lending Division of CrossCountry Mortgage is honored to introduce our exclusive Line of Duty Death Benefit (LODDB). This benefit erases outstanding loan balances up to $525,000 in the unfortunate event of loss of life, providing financial security to you and your family. In addition to the LODDB, we offer reduced mortgage rates, free credit assistance, no processing fees, no underwriting fees, and no application fee! Plus, we will NEVER sell a first responder loan, so when mortgage rates drop you can refinance your loan through us again essentially free of charge! These benefits are available only through our branch of CrossCountry. Download our brochure to learn more about this exclusive program. As a lending team built of first responders, and those close to them, this is an initiative that is close to our hearts. It is designed to express gratitude to those who often go unnoticed. We know and believe you deserve more than a ‘thank you’. This is why we go above and beyond. We have over 70 years’ experience in the lending industry, working with first responders and we look forward to working with you on your journey to homeownership. Click here to get started with us!

As a member of the FOP, you become a member of every lodge, every meeting, etc. You will be given a membership card that will allow you access to any FOP Lodge in the country. It is always enjoyable to travel to places like Washington, D.C. to see the National Law Enforcement Memorial and then sit with some fellow officers at D.C. Lodge #1 and share memories. The National FOP Lodge also works to create special services for FOP members like the Nationwide Advantage Mortgage for FOP Members and the FOP Bank of America Credit Card. These services are available to FOP Members only.

With the FOP, you do not pay members and get a card with a phone number to call if you need help. Our members are your local partners, friends and co-workers. Local Lodges meet monthly in their area and talk about your issues. You see a return on your money, not just a draft to someone you have never met. As a member, you will have the opportunity to meet other brothers and sisters of the FOP from around the State and nation. One thing we can promise, you will get more in return than you ever put in…

The National, State and Local lodges of the FOP are dedicated to being a recognized community partner for charity and helping create a better relationship with the public. It is too often that we are taken for what our jobs are and not seen for our dedication to our communities. Just think about the law enforcement television shows that are dedicated to showing law enforcement as bias or corrupt organizations. The Local lodges of the FOP strive to work with other organizations to promote a positive image of law enforcement.

As a benefit to the FOP Membership, the FOP, through its Legal Aid Plan, offers to assist in the legal defense of members in good standing with the State Lodge and their local lodge when such members face litigation or prosecution for acts within the scope of a member’s employment as a law enforcement officer. There are two Legal Aid Plans for Active Members: The National FOP Legal Defense Plan and the NCFOP State Lodge Legal Aid Plan.

Active members are eligible for an official FOP License Plate. Currently, over 5,000 FOP plates are on the road. To apply, visit your local license plate agency and complete an application for a Civic Club License Plate. The annual fee is $30, and you must present your FOP Active Member card.

The NCFOP fights for better retirement, better training and more safeguards for law enforcement. We do this by having constant representation in Raleigh at the State Legislative Offices lobbying on our behalf. Our legislative agent communicates with your local senator or representative to either support or not support bills and laws on behalf of the FOP. Locally, your lodge may want to express concerns of local officers with city council members or county commissioners to assure your salary and benefits are taken into consideration when large decisions take place. NO, we are not a Union, but we can act as a group and voice concerns about our jobs. In addition, our National Lodge of the FOP works with all branches of the federal government on behalf of its members. The FOP has gained the title as “The Voice of the Nation’s Law Enforcement” for its work.

PRE-65 Retiree Health Insurance For retired North Carolina FOP members The Fraternal Order of Police provides its members with top shelf PPO Health Insurance for retired members under age 65. Enrollment is online. Who is eligible for coverage? Retired FOP Members under age 65 Spouses under age 65 Dependent children under age 26 (when on a plan with an eligible parent) Retired sworn law enforcement officers credentialed through their state with full police powers, who join the FOP Retired civilian law enforcement support personnel who worked directly for a law enforcement agency and join the FOP as an Associate Member

The FOP Legal Defense Plan offers Retired Law Enforcement Officers Concealed Carry Coverage (CCC) and is made available only to retired law enforcement officers who retire from a public agency, and, among other things, had powers of arrest while employed, retired in good standing after a minimum of 10 years of service (or have a duty disability), and are legally carrying a concealed firearm at the time of the incident giving rise to any claim. The CCC Plan offers Unlimited Legal Defense for civil and criminal claims associated with the legal carrying and/or use of a concealed weapon: all reasonable and necessary Legal Defense Costs are covered in full when using a Plan Attorney. In order to be eligible, retired law enforcement officers must be legally carrying a concealed firearm within their state under the state’s qualifications or meet all of the requirements set forth in LEOSA or carrying such firearm in one’s own home or vehicle. Coverage does not include claims related specifically to the open carrying of firearms. The annual cost is $75. If you are an active officer covered by the FOP Legal Defense Plan, similar coverage is already automatically included. Retired officers are not eligible for participation in the FOP Legal Defense Plan, and therefore would need to purchase Retired Law Enforcement Officers Concealed Carry Coverage separately from the FOP Legal Defense Plan. More details can be found at foplegal.com. To enroll in Retired Law Enforcement Officers Concealed Carry Coverage (CCC), please fill out the application. For immediate assistance, please contact us at 800-341-6038 or info@foplegal.com.