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Campers
Insurance
This informational
letter regarding camp accident insurance
discusses the paperwork you will need to complete, and have
completed by participants before the camp. The camp accident
insurance policy is primary coverage and has limited
benefits. All participants in LCSC’s camp programs must
obtain this camp accident insurance through American Income
Life Insurance before participating in any camp events and
programs. Volunteers can be included in the camp insurance.
The
insurance will pay claims for a covered accident or illness
up to the benefits of the policy. The insurance benefits are
$2500 for any one injury that happens during the activity. The Participant's own health insurance will be billed
first for any claims. This camp accident insurance plan
includes traveling directly to and from the participant's
residence and the meeting place for the purpose of attending
camp. Included is time spent in travel, at motels and
restaurants, campsites, etc. Not included are
side trips for the purpose of sightseeing or amusement. The
day the majority of campers arrive must be included as a
camper day and the appropriate premium submitted.
Rates are:
$0.12 per day per
camper (or a minimum of $4.00 per event)
Premiums
are paid from the registration fee or program funding
source.
A
Program Insurance
Request
for camp accident insurance coverage must be received by the
Administrative Services at least two weeks prior to the
beginning of the scheduled camp program.
All participants in LCSC camp programs are required to sign
an
Acknowledgement of
Risk and Waiver of Liability Form.
The Acknowledgement and Waiver Form is enclosed for your
convenience and you may make as many copies as you need for
each participant. A participant or volunteer who does
not have a signed Acknowledgement of Risk and Waiver of
Liability Form on file in the program office will not be
eligible to participate in any activity! It
is the responsibility of the camp director to ensure that
participants and volunteers submit the signed agreement to
the specific camp office prior to participating in the
program. These forms should be retained in the sponsoring
department and made available to Administrative Services or
to the insurer upon request.
The
department sponsoring the event should log all accidents, identifying the injured and
documenting the circumstances, the date and time, the
response provided and by whom. A
Claim Form
is also enclosed in this packet for accidents that require
medical attention. Report accidents that require medical
attention to reported to Administrative Services at (208)
792-2240. Camp participants should not use the Student
Health Center. As always, anyone requiring immediate
medical attention should dial 9-911 for an ambulance.
Claims
should be submitted to Administrative Services, 500 8th
Avenue, Lewiston, Idaho and the insured's own insurance
carrier.
The participant should notify his/her insurance carrier of
the camper accident insurance within 30 days of the incident
so that they are aware of an impending claim. The
participant's own health insurance will be billed first for
any claims.
Camp directors must complete claim forms in full and file
with Administrative Services along with copies of medical
bills. It is the responsibility of the camp director to see
that the forms are completed and sent to the proper office.
When a camp participant receives medical treatment, the camp
director or another LCSC staff member must attest that the
individual is a program registrant and determine whether or
not the participant has other insurance coverage. The
program director must sign the claim form in the
verification and assignment section. Claims must be
filed within 30 days of incurring expense for treatment
of a covered accident or illness.
Upon completion of the camp program, please fill out the
Completed Activity Report
form
and return it to Administrative Services, along with a check made out to American Income
Life Insurance Company for the premium amount (i.e.,
amount of participants x rate).
If you have questions, please contact Lucy Loewen in Administrative
Services at 208-792-2240 or
lkloewen@lcsc.edu.
Lucy Loewen
Administrative Services
(208) 792-2240
(208) 792-2077 Fax
Enclosures
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