The worse fear of any law enforcement officer is the emotional and financial strain placed on his or her family in the event he or she is killed in the line of duty. While many benefits exist for the family members of an officer killed in the line of duty, these benefits are not available for some time, at least months, after the death of an officer. The family of a slain officer will have immediate economic needs, which can force the family into financial turmoil.
The second worse fear of any law enforcement officer is being injured in the line of duty or being diagnosed with a serious illness. These injuries or serious illnesses can hamper the officers ability to financially care for himself and his family. Disability pay may be available if there is an in the line of duty injury; however, this disability pay does not account for the supplemental income in the form of overtime and details depended upon by so many law enforcement officers and their families. If an officer is injured in the line of duty, he is either unable to or not allowed to work details. If the officer is diagnosed with a major medical condition, the treatments for this illness often prevent the officer from supplementing his income.