Legal Protection Plan (LPP)
The NJSPBA Legal Protection Plan is a member benefit that provides coverage for legal fees for certain incidents
that are a result of taking a law enforcement action when civil and criminal charges arise and most incidents either
on or off duty when administrative charges arise from those actions. The plan currently only costs $13.00 per
month or 43 cents per day!
Charges that are levied on or after May 1, 2014 will have a new and expanded coverage that will provide the
following thresholds of coverage.
Target of an internal: When a member is notified that he/she is the target of an internal investigation, the plan
will pay up to $750.00 per enrollment period for an attorney to attend the Internal Affairs interview with the member.
Target of a Criminal Investigation: When a member is the target of a criminal investigation for an event that occurred
within the course and scope of his/her employment, the plan will pay up to $3,500.00 per enrollment period for an
attorney to represent them in said investigation.
Criminal: When a member receives criminal charges that directly arise out of the course and scope of his/her duties
as a law enforcement officer, the Plan will pay up to $50,000 per enrollment period for an attorney to represent them.
This shall include all expert fees deemed necessary for the members defense in the matter. H.R. 218 or L.E.O.S.A.: Any
active member who is deemed to have been lawfully carrying a weapon and acting in the defense of life in another state
is covered under this section in the state the action occurred under this section (Note: the plan requires a denial of
representation under N.J.S.A. 40A:14-155 in all such matters. It is the inherent responsibility of the employer to defend
the employee and the plan will pursue the employer through a legal action if they unjustly deny coverage.)
Civil: When a member receives civil charges that directly arise out of the course and scope of his/her duties as a
law enforcement officer, the Plan will pay up to $50,000 per enrollment period for an attorney to represent them. This
shall include all expert fees deemed necessary for the members defense in the matter. H.R. 218 or L.E.O.S.A.: Any active
member who is deemed to have been lawfully carrying a weapon and acting in the defense of life in another state is covered
under this section in the state the action occurred under this section. This coverage is also extended to any PBA local
officer while holding office in the local when they are the target of a civil action related to that office. This does not
apply if a member is alleged to have improperly managed funds or stolen money from the local. (Note: the plan requires a
denial of representation under N.J.S.A. 40A:14-155 in all such matters. It is the inherent responsibility of the employer
to defend the employee and the plan will pursue the employer through a legal action if they unjustly deny coverage.)
Bonds: If a matter falls under Criminal coverage, the plan will allow up to $1,000 for a bail bond:
Attorneys: Currently our plan has over 160 law firms and 500 attorneys who have been vetted, and approved by the
membership. Attorneys not under contract are not allowed to work for the plan under any circumstances without consent
of the Board of Delegates after being properly investigated. Attorneys may be removed at any time for taking a case
against the interest of the PBA or law enforcement in general.
We have also negotiated a rate that allows our members to receive a much higher benefit than if they were to hire the
In addition to our Traditional Plan, The State PBA now offers an Unlimited Plan to its Members at the low cost of $256.00 per year.*
Levels of Coverage
- Administrative / Criminal / Civil / Union Officer Coverage, Unlimited
- Departmental Charges both on & off duty
- $750.00 Target of an Administrative Investigation – Per Incident
- $3500 Target of a Criminal Investigation – Per Incident (can increase for cause)
- Includes expert witnesses
- Polygraph, Private Detective, etc.
- HR-218 Nation Wide Firearms Carry Coverage
- $1000 Bail Bond
- Appeal Bonds
*Entire Local must choose one plan.
Comments: The legal protection plan was created in 1992 and at that time was simply a private insurance plan endorsed
by the PBA. The plan was brought under the umbrella of the State PBA in 2001, at which time, all funds were brought into
segregated PBA accounts and the plan was administered by a third party independent company.
In 2008, State President Anthony Wieners made the final move in bringing the plan home and brought all administrative
tasks for the plan, including claims administration and enrollment responsibilities for over 23,000 enrollees into PBA
offices done by PBA employees.
The plan undergoes a yearly audit and actuarial analysis to insure that the plan is financially healthy and we are
proud to report that the plan today is the best financial health it has been in since the its inception as self
funded in 2001.
Our goal is to keep our plan, owned by our membership, not individual attorneys or private, for profit insurance
companies, as the best law enforcement defense plan in the nation. We pay approximately $3,000,000.00 per year in
clams to protect our members, and want to make sure that it exists for years to come.
If you have any questions please contact your State Delegate.
- Margaret Hammond (Local 337), Chair
- Keith Bennett (Local 24)
- George Miller (Local 84)
- Adam O’Connor (Local 253)
- Christopher Ebert (Local 296)
- Michael Kaniuk (Local 152)
- John Plesnik (Local 44)
- Winslow Land (Local 167)
- Patrick Moran (Local 144)
- Heriberto “Ed” Carattini (Local 72)
- Kevin Lyons, Administrator
Please note that all of the information contained within this page is a summary. Please refer to the plan document which is
accessible through your State Delegate or President for exact coverage and exclusion issues.