Fire Districts
LOSAP
Length of Service Award Program
Service award programs that reward your volunteers for years of service. We bring LOSAP expertise to more than 200 fire districts across New York State.
Payout options your members can choose
- Lump sum
- 5-year fixed period
- 10-year fixed period
- Life with 10-year certain
- Life annuity
- Life annuity with 100% survivor benefits
Why districts choose Hometown
- An annual actuarial report for each firefighter.
- The lowest administration fees available.
- A comprehensive investment strategy, with fixed “guaranteed” investments and fully managed equity portfolios matched to the district’s risk tolerance.
- Expert advice on post-entitlement benefits and EEOC (Equal Employment Opportunity Commission) issues.
- Individual counseling when a member reaches entitlement age.
- An additional death benefit for your firefighter’s family.
- Plans that fully fund the retirement benefit by the time a member reaches entitlement age.
- An actuary calculates the money needed to pay the entire lifetime benefit, so it’s all available at entitlement.
- A helpful, efficient staff with real LOSAP expertise.
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