December 16, 2019
Statewide Accidental Insurance for all 4-H Members and Volunteers
There has been a request for further clarification as to the specifics around the State 4-H Policy from American Income Life.
Who is covered and when?
1) All individually identified 4-H members and board approved volunteers within 4-H Online are now covered for all 4-H activities/programs (during the 4-H activity and they are also covered for travel to and from the 4-H activities) all year long (October 1, 2019 - Sept 30, 2020) whether local, district or state.
2) Additionally, all individually identified youth participants and adults will receive illness coverage for the travel to and from an 4-H event, the duration of their event within 4-H Camping programs over the summer (regardless of place) and also the following overnight statewide events: Citizenship in Action; Kansas Youth Leadership Forum, and Discovery Days.
Who/What is not covered with annual Kansas 4-H policy? (and therefore should consider Special Risk Insurance (see below))
1) Programs or events which are open to non-4-H youth. (This may include events where participants are counted via “Group Enrollment” at schools or community events.) Defined as: Events or programs intentionally designed to engage a broad spectrum of youth in the community beyond individually enrolled 4-H youth.
2) Any “high risk” programs including volunteers who have not been covered by an annual policy. This may include horse/livestock shows, shooting sports events, etc. where adults who are not officially registered as 4-H volunteers may be assisting with the operation of the event (see special risk insurance)
3) Any overnight, multiple day, or travel event other than a Summer Residential Camp or the specific overnight events outlined above, where you would want participants to be covered for Illness.
4) Downhill winter sports
If you have additional questions, please contact your regional 4-H Youth Development Specialist or the State 4-H Office to assist you navigating insurance in your 4-H program planning for events (Contact information: https://www.kansas4-h.org/about/staff/).
Please reference the following Tip Sheet announcement about the Statewide insurance policy that was shared in October 2019 (https://www.kansas4-h.org/tipsheet/announcement/?id=56802) and additional American Income Life Policy information on the State 4-H For Staff page under Resources (https://www.kansas4-h.org/staff-downloads/resources/index.html).
Contact Erin Bain at American Income Life, Special Risk 4-H and Camp Specialist if you have any questions about the Kansas 4-H Annual Policy or our Special Activities Policies. She can be reached directly via e-mail at efbain@ailife.com or via our toll-free number at 800-849-4820, Extension 3.