info If at any point you need more information on your schemes please make contact with the GRA

GRA Schemes Overview

All members of the association are entitled to:

  • An efficient and reliable information service with advice and support in relation to professional matters.
  • Representations at local level in relation to discipline, rosters, transfers and welfare etc.
  • Representation at National level up to and including the Government on every issue affecting the pay, pensions, welfare and working conditions of our members.
  • Representation on St Paul’s Garda Medical Aid Society and on the Garda Benevolent Trust Fund Ltd.
  • Review Body – the GRA is represented by a member of the CEC on the Review Body which considers appeals against transfers.
  • Appeals Board – the GRA is also represented by a member of the CEC on the Appeals Board established under the Garda Discipline Regulations.
  • Legal Assistance Scheme – legal advice. The Association now offers a choice of ten firms of Solicitors. The Association will continue to finance appropriate cases for legal assistance in accordance with the terms of the Scheme.
  • GRA Travel Plan – Annual Multi-Trip Travel Insurance
  • Participation in specially negotiated Group Protection Schemes:
    • Garda Siochana Members Life Assurance Scheme; (Note: Trainee Gardaí get free cover of €30,000 for first 32 weeks increasing to €60,000 for next 32 weeks)
    • Spouse/Partner Life Assurance Scheme;
    • Children’s Life Assurance Scheme;
    • Critical Illness Scheme; (Note: Trainee Gardaí get free cover of €42,500 for first 64 weeks)
    • Salary Protection Scheme;
    • Additional Voluntary Contributions (AVC) Scheme
    • Household Insurance Scheme
    • Travel Insurance Scheme
    • Income Protection

Important Note: you must be a member of the Association or equivalent Association for other ranks to avail of the above schemes

  • Trainee Gardai – Life Assurance as a benefit of €30,000 for the first 32 weeks of training, increasing to €60,000 for the next 32 weeks at no cost to the member
  • Trainee Gardai – Critical Illness cover for a benefit of €42,500 for the first 64 weeks at no cost to the member
  • GRA Illness/Injury Scheme – €75.00 per week for a 13 week period after an excess period of five weeks in respect of absences through illness and in respect of injury only where there is no 3rd party involved. This scheme is funded from Association’s funds.
  • Copies of the Association’s Information Bulletins.

Life Assurance

Pay Codes: GRA Life A: 7115 / GRA Life B: 6151

The Representative Body for Guards established the Garda Siochana Members Life Assurance Scheme in 1968. The scheme is administered by the Garda Representative Association and is open to serving and retired members of the Force of all ranks up to and including the rank of Commissioner. The scheme which is underwritten by Irish Life, allows the Association to pay defined benefits to the dependants of serving and retired members of the Scheme who die before their 70th birthday. Premiums are deducted from salary/pension at source. The contract was renewed for a three year period from 1 April 2015.


Serving Members Life Assurance

Age at date of Death Level of Death Benefit
20 – 39 inclusive €350,000
40 – 49 inclusive €260,000
50 – 59 inclusive €250,000

Retired Members Life Assurance

Age at date of Death Level of Death Benefit
40 – 49 inclusive €225,000
50 – 54 inclusive €175,000
55 – 59 inclusive €150,000
60 – 64 inclusive €100,000
65 – 69 inclusive €45,000
* The Retired Members Life Assurance premium is now €31.85 per month

* If you reached age 65 before 1st January 2019, you will continue with the current benefit of €10,000 and the premium will remain at €2.00 per month. Age at death is 65-69 inclusive.


Children’s Life Assurance Scheme

Cover for children of members to age 21 - € 7,500. Cost is included in Members Scheme


Spouses / Partners Life Assurance Scheme

BENEFIT – Of € 115,000 paid only to a member of the Association who is also a member of the Members Scheme who suffers the loss of a spouse / or nominated partner (terms apply). Cost – Funded by the Association

* Definition of a Partner: A member’s partner with whom he / she has been cohabitating, in a marital type relationship for at least 12 months before the death of that partner. This person must be nominated by the member in writing upon applying for partner cover


Loss of Eye / Limb / Disablement – Serving Member

BENEFIT – €15,000 re accident on or off duty. Cost – Included in Members Scheme


Trainee Garda Life Assurance Scheme

Trainee Gardaí are included for €30,000 Life Assurance Cover for their first 32 weeks, increased to €60,000 for the next 32 weeks, funded by the association. This is subject to the trainee Gardaí completing an application form to join the full plan after 64 weeks


Spouses / Partners Life Assurance Scheme – of Retired Member

GRA Members on Retirement who wish to retain a Spouse / Partner on cover (to age 65) may do so if the member contacts Cornmarket, they should do this prior to retirement from the Force.


Retired Members – 65 to 70 years

BENEFIT – €10,000. COST – €2 per month (GRA members on retirement who are members of the Life Assurance Scheme and who wish to retain cover for their spouse/partner may do so. Prior to retirement the member should contact Cornmarket, Liberties House, Christchurch Square, Back Ln, Dublin 8. Tel. 01 408 4000.)



Tax Relief (Effect of AVC element on Premium)

All serving members qualify for tax relief on a proportion of the premium payable under the Life Assurance Scheme. The Association through its Brokers obtained approval from the Revenue Commissioners to allow tax relief at the members’ marginal rate of tax on 80% of the premium. The Association also agreed a procedure with the Department of Justice whereby the tax relief is processed as a “top line” deduction from salary thereby removing the need for the member to make a tax rebate claim. The tax relief passes on a real saving to members as illustrated below (assumes 41% tax rate). Gross premium €7.50 per week 7 Premium eligible for tax relief €6.00_per week Less tax relief @ 41% €2.46 per week Net premium €5.10 per week

Premium Weekly
Gross Premium €7.50
Premium eligible for tax relief €6.00
Less tax relief @ 40% €2.40
Net Premium: €5.10

Critical Illness

Pay Codes: GRA Crit Ill 6152

The scheme provides for the payment of a tax free lump in the event of a member of the scheme contracting one of the specified illnesses covered under the scheme (list below). The Scheme provides for a partial benefit payment for less serious illnesses (list below). Friends First are the underwriters. Partners are covered under the terms of the scheme irrespective of sexual orientation.



Critical Illness Scheme – GRA Members

Full Benefit – € 85,000

Partial Benefit – € 15,000

Cost– € 5.80 per week


Critical Illness Scheme – Children

cover for children age 1 –18 (25 if in full-time education)

Full Benefit – € 25,000

Partial Benefit – € 5,000

Cost– No additional cost for GRA members, who are part of Members Scheme.


Critical Illness Scheme – Spouses of GRA Members

Full Benefit – € 85,000

Partial Benefit – €15,000

Cost– Additional €4.74 per week (€10.54 per week in total for member, spouse and children)

*to avail of the spouse/partner cover you must nominate your spouse/partner in the first available instance, either:

  1. When you are joining the plan during training at the Garda Síochána College, or
  2. Within 12 months of getting married or within 12 months of completing a period of 12 months cohabitating in a spousal type relationship


Critical Illness Scheme – Trainee Gardai

The Association has arranged that all Trainee Gardaí are covered for a benefit of €42,500 for their first 64 weeks at no cost to the member

Cost– Funded by Association


Critical Illness Scheme – Retired GRA Members & Spouses

Members of the scheme on retirement may continue in the scheme up to age 65. To maintain cover in retirement you must contact Cornmarket within 3 months of retiring. Failure to do so means your membership of the plan ceases and there is no option to re-join the plan.



Full Payment Specified Illnesses

  • Alzheimer’s Disease
  • Aorta Graft Surgery
  • Aplastic Anemia
  • Bacterial Meningitis
  • Balloon Valvuloplasty
  • Benign Brain Tumour
  • Benign Spinal Cord Tumor
  • Blindness (total)
  • Cancer
  • Cardiomyopathy
  • Chronic Lung Disease
  • Coma
  • Coronary Artery Surgery
  • Creutzfeldt-Jakob Disease
  • Deafness (total)
  • Encephalitis
  • Heart Attack / Heart Structural repair
  • Heart Valve Replacement
  • HIV infection
  • Kidney / Liver failure
  • Loss of Hands / Feet
  • Loss of Independent Existence
  • Loss of Speech
  • Major organ transplant
  • Motor Neurone Disease
  • Multiple Sclerosis
  • Multiple System Atrophy
  • Paralysis of Limbs (total)
  • Parkinson’s Disease
  • Pre-Senile Dementia
  • Primary Pulmonary Hypertension
  • Progressive Supranuclear Palsy
  • Pulmonary Artery Surgery
  • Rheumatoid Arthritis
  • Stroke
  • Systemic Lupus Erythematosus
  • Third Degree Burns
  • Traumatic Head Injury

Partial Payment Specified Illnesses

  • Brain Abscess
  • Carcinoma in Situ
  • Carotid Artery Stenosis
  • Cerebral Arteriovenous Malformation
  • Coronary Angioplasty
  • Ductal Carcinoma in Situ
  • Low Level Prostate Cancer
  • Serious Accident Cover
  • Surgical Removal of One Eye
  • Lower Level of 3rd Degree Burns

The Above is just a basic list of illnesses covered. A booklet giving full explanations, pre-existing conditions, relevant survival periods and exclusions is available from the GRA Office. Only the definitions in the Master Policy will determine the validity of a claim.

Illness & Injury Scheme

The Association provides an arrangement whereby €75.00 per week, or pro rata for odd days, is paid after an initial excess period of five weeks.

Benefit is payable for up to 13 weeks in respect of any one specific illness over a two year period (to the end of the 18th week from the commencement of the absence).

Absences arising from an injury on duty or where there is a third party involved are not covered under the scheme.

Salary Protection Plan

Pay Codes: 6165

The enhanced Salary Protection Plan which was introduced on the 1st July 2015 is a properly structured plan dovetailing with all the new Public Service Pay Arrangements. The Plan will provide a member with income in the event of loss of earnings when absent from work due to illness or injury off duty. The Plan provides replacement income of 75% of total pensionable salary. The benefit may be paid for up to 30 years. The total cost of the plan qualifies for tax relief.

In the event of a member absent from duty due to illness or injury off duty his/her rostered pay (approx. 22% of basic pay) ceases immediately. Basic pay and rent allowance (if applicable) reduces to less than 50% of normal pay after 13 weeks accrued sick leave and after 26 weeks accrued sick leave reduces to pension rate of pay. This is nil with less than 5 years’ service and approx. 33% of normal pay with 20 years’ service.

When is benefit paid?
Benefit is paid after 13 weeks (non— critical illness) or 26 weeks (critical illness)

What is the benefit?
75% of *Salary less any other income for example State Illness Benefit, Temporary Rehabilitation Remuneration etc.

For how long is the benefit paid
For as long as you are on sick leave or early retired, ceasing when you reach the time when you would have normally retired had you continued on working which may be up to 30 years.

Does the benefit increase during payment?
Yes — benefit increases during payment by 3% per annum or increase in consumer price index whichever is less.

What is the cost?
1.29% of *Salary which qualifies for tax relief given as “top line” deduction by Garda Pay hence net cost is 0.77% (based on 40% tax)..
* Basic + Roster + Rent + any other pensionable allowances.

Explanatory leaflet and application form from Cornmarket Tel. 01 2000 100.

The success of the Plans depends on your support. The premium of 1.29% has a greater likelihood of reducing as more members join this Plan.


Contact Cornmarket for further information

Cornmarket Liberties House,
Christchurch Square, Back Ln,
Dublin 8.
Tel. 01 2000 100.

GRA Travel Insurance

The GRA has arranged an Annual Multi-Trip Travel Insurance Scheme which is underwritten by Blue Insurance. The Annual premium is €75.00 per annum. This premium covers you, your spouse/partner and children under the age of 18 (or under 23 if full time education) for a full 12 month period.

GRA members who wish to avail of the GRA travel plan Scheme can simply book online below or alternatively for immediate cover call Blue Insurances.

Get A Quote


Contact details for Blue Insurance

Website: blueinsurance.ie
Phone: 0818 286 451

Home & Car Insurance

Home Insurance

With Home Insurance through Cornmarket, you can rest assured that you are getting a great level of cover, at a very competitive price. And right now, you can also get 2 months free cover*, when you switch your home insurance to Cornmarket, before the 28th of February 2019 – Subject to a minimum premium of €335.52.

As well as a great price, you can also get great benefits such as:

  • 24-hour, 365 days-a-year, nationwide emergency Home Rescue Service
  • Cover for Personal Money and Credit Cards Stolen from the Home
  • New for Old Protection
  • Fire Brigade Charges benefit up to €2,000
  • Cover for the Theft, Loss or Escape of Oil
  • Optional Extra: Accidental Damage Cover for buildings and contents
  • Optional Extra: Unspecified All Risks Cover insures items such as Smartphones, iPads and Tablets, if lost or stolen outside the home (with no excess)

The list above provides a summary of the main product benefits and features on our Allianz Home Insurance Product. For full details of the terms and conditions, please consult the policy document. A copy of this is available on request by phoning us on (01) 408 4004 or alternatively by clicking here.

*Discount applies in year one only and is inclusive of Government levy. Only one discount can be used with each eligible proposal. Two months free insurance in year 1 is based on a 16.7% discount off the normal year 1 Allianz premium, and is only available to new customers taking out a new home insurance policy through Cornmarket & underwritten by Allianz. Underwriter criteria, terms and conditions apply. Any applicable discounts are applied at quotation stage. We are unable to issue discounts retrospectively. Allianz plc is regulated by the Central Bank of Ireland. HomeRescue service is provided by Mapfre Assistance. MAPFRE ASSISTANCE Agency Ireland is authorised by the Direccion General de Seguros y Fondos de Pensiones del Ministerio de Economia y Hacienda in Spain, and is regulated by the Central Bank of Ireland for conduct of business rules. Reg No. 903874. Cornmarket Group Financial Services Ltd. is regulated by the Central Bank of Ireland. A member of the Irish Life Group Ltd. which is part of the Great-West Lifeco Group of companies. Telephone calls may be recorded for quality control and training purposes.

Car Insurance

As a GRA member, both you and your partner can insure your car(s) with us under the Cornmarket Car Insurance Scheme available to GRA members and can avail of excellent car insurance benefits such as:

  • Comprehensive Driving of other car’s
  • Full No Claims Bonus Protection– 1 unlimited claim in a 3 year period
  • Step-Back No Claims Bonus Protection
  • 24-hour Breakdown Rescue, Driveway Assistance & Windscreen cover
  • Low excess of only €250 (when you are over 25 years of age and hold a Full Irish Licence)
  • In addition we can also offer safer drivers a discount of up to 52%* if you have been claims free for the past 9 years, subject to a minimum premium of €399.41.
  • You can also get a €50* discount when you buy your policy online before 28th of February 2019, subject to a minimum premium of €399.41.
  • Don’t delay, get a quote today

For more information, call us on (01) 420 6711 or clicking here.

*Eligibility criteria, terms and conditions apply. Discounts are subject to a minimum premium of €399.41, inclusive of Government levy). Breakdown Rescue Cover is provided by Mapfre Assistance. MAPFRE ASSISTANCE Agency Ireland is authorised by the Direccion General de Seguros y Fondos de Pensiones del Ministerio de Economia y Hacienda in Spain, and is regulated by the Central Bank of Ireland for conduct of business rules. Reg No. 903874. Cornmarket car insurance scheme is devised and administrated by Cornmarket Group Financial Services Ltd. Underwritten by Allianz plc. Allianz plc is regulated by the Central Bank of Ireland. For full terms and conditions please refer to policy guide/insurance certificate. Cornmarket Group Financial Services Ltd. is regulated by the Central Bank of Ireland. A member of the Irish Life Group Ltd. which is part of the Great-West Lifeco Group of companies. Telephone calls may be recorded for quality control and training purposes.

Additional Voluntary Contributions (AVC) Plan

AVCs allow members to enhance their retirement benefits in a very tax efficient way. All members can now make AVCs regardless of service. Senior members who are potentially within 3 years of retirement should also enquire of Cornmarket in regard to making a Last Minute AVC based on their un-pensioned overtime and non — rostered night duty allowances.

For guidance on what is required you should contact Cornmarket, Tel, 01 408 4000, to arrange a consultation or a Station visit.

Members seeking a last minute AVC quotation should, in the first instance, contact Garda Pay Section, Killarney. Tel: 076 100 2702 and request a “certificate of earnings for AVC purposes.”

St.Paul's Garda Medical Aid Society

Address:

St. Paul’s Garda Medical Aid Society,
Plaza 255,
Blanchardstown Corporate Park 2,
Ballycoolin Rd.,
Dublin 15

Phone
01 – 8991604

Email
Click Here to Email

Website
medicalaid.ie

Secretary
Owen Connell


Please visit the Society’s website at medicalaid.iewhere you will find detailed information on the current benefits and subscriptions rates. You may print off all forms in use by the Society, study the Society’s Rules and history and keep a copy for your records. There is a Notice Board section which contains all recent circulars which will keep you up to date with any changes on any aspects of the Society.

There is a Claims Record section which allows you to view your personal details, individuals on cover etc. and also to view all your claims/payments for the past five years. You can examine each claim in detail and print off a report showing your claims for each of the five years. This report will show you the amount you have claimed, the amount the Society paid and the difference between the two figures. Most of this difference is claimable against your Income Tax on Forms Med 1 and Med 2 which are also available on the website under the Forms heading.

For other routine queries, please fax or email as per details outlined above. Phone calls to the office to be confined to very urgent issues to allow the staff to process claims as promptly as possible. The Society thanks you for your cooperation with this request.

Mortgage Service

Obtaining a mortgage nowadays is proving to be very difficult. The lending institutions are extremely selective.

To find out if you qualify you should contact our Broker Cornmarket 01-4084000 who will advise you. If you do not qualify they will advise you on what you need to do to qualify.

The GRA scheme offers reduced legal fees. Cornmarket will advise.


Contact Cornmarket for further information

Cornmarket Liberties House,
Christchurch Square, Back Ln,
Dublin 8.
Tel. 01 2000 100.

Garda Benevolent Trust Fund

Address:

Garda Benevolent Trust Fund,
Floor 4,
Phibsboro Tower,
Phibsboro,
Dublin 7

Phone
01 – 8307155

Email
Click Here to Email

Website
gardabenevolent.ie

Secretary
John Brosnan


The following benefits are payable by the Trust Fund:

  • On death of a member € 3,000
  • On death of a spouse € 3,000
  • On death of a widow € 3,000
  • On death of a child to max of € 3,000
  • Orphans allowance € 3,000

The Company derives its main income from:

  1. Subscriptions from members of the Force
  2. Donations from members of the public.
  3. Functions run throughout the country by members.
  4. Court Orders

Educational Loan Scheme

The Company operates an Educational Loan Scheme which provides financial assistance for children of members of the Trust Fund who are in third level education. The maximum loan per student is €4,000 per academic year. The Fund also operates a Holiday Home Scheme for members of the Trust Fund who have children with special needs.

Membership of the Company is €1.27 per week. On retiring from the Force, membership may be continued on payment of a subscription of €300.00. This will discharge in full members' obligations to the Trust Fund.

Garda Retirement Home

The Company provides 3 Retirement Home at Raheny House, 476 Howth Rd., Raheny, Dublin 5.Te|. 01 831 1199. The Home is registered as required by the Health (Nursing Home) Act, 1990. This means that relief of income tax will be available in respect of payments for maintenance in the Home.

For info / to download Application Forms go to gardabenevolent.ie