Covering California’s Fire Service Community

Employee Health Benefits

The FRMS offers a large variety of employee benefits and insurance solutions that meet the unique needs of our membership. As a member district you will have access to competitive programs for medical, dental, vision and life insurance.

Important Notices

Dear FRMS Benefits Members, We’re pleased to share an important update regarding your benefits administration. Please take a moment to watch the brief video below regarding our new Benefits Administrator, USI. We’re excited about this partnership and the opportunity it brings, including access to more competitive rates and enhanced service. Information about the USI team servicing our account will be provided soon. This recording provides an introduction to USI, the Benefits Administrator for Fire Risk Management Services (FRMS). Members can view this presentation to learn more about USI’s role, available benefit resources, and support services.
As of January 1, 2026, the FRMS Medical Program has ended, however, the Dental, Vision, and AD&D continue.

FRMS- USI Account Team Contact Sheet.pdf

VSP Vision Care

The Hartford

All members: Participation in any one other line of coverage automatically covers enrolled employees with EAP offered through Simple Therapy, at no additional cost.

Our Purpose

Provide comprehensive and cost-effective coverage programs to members of the fire service, retirees, and their families through a responsive risk pool.

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