Q. What is the difference in the benefits provided by Plan 1 and Plan 2?
A. None. Plan 2 is designed for Nonmembers and/or events that are not covered under Plan 1.
Q. What is the basic difference in the coverage provided by Plan 2 and Plan 3?
A. Plan 2 covers accidents only. Plan 3 covers both accidents and sickness.
*Plan 2 could be considered by Councils for activities/events of a short duration and/or based on the proximity of the activity to the registered participants homes.
Q. Must Plan 2 be purchased for Members and Nonmembers participating in Day Camp or similar-type events?
A. No. When Plan 1 covers Members, Plan 2 need only be purchased for Nonmembers.
Q. Is there a need to provide coverage for Members under Plan 2?
A. Yes, for events lasting too long to be covered under Plan 1, but Plan 2 will not pay benefits that duplicate those provided by statutory or voluntary workers compensation.
Q. If an event lasts four or five nights, will the first two overnights be covered under the Basic Plan?
A. No. The entire event is excluded from the Basic Plan, including travel to and from. Coverage needs to be arranged for the entire period of the event and for all registered participants.
Q. What are typical events for which Plan 2 is used?
A. Recruitment events, Supplemental Supervised Units, family events, programs held in conjunction with other organizations where Girl Scouts is the primary sponsor, and school environmental education programs managed by Girl Scouts and using Girl Scout programs are just a few of the events which can be covered under Plan 2.
Q. We are planning to offer Girl Scout programs weekly at a shelter. There will be Nonmember participants; how do we cover them?
A. Submit a Plan 2 Enrollment Form with the dates of the scheduled activity listed. Use a reasonable estimate to determine the number of Nonmember participants.
Q. When counting the number of days of an activity/event on the application form, do you include the beginning day and ending day of the event?
A. Yes. Since coverage for travel directly to and from an activity/event is covered, all days, including days traveled, should be included. For example, a group leaves home Friday afternoon and returns home Tuesday morning. Coverage must be arranged for five calendar days.
Q. Suppose an outside group (Nonmembers) uses Council property for an activity which is under the supervision of the Girl Scout Council, is it possible to arrange insurance under any of the Optional Plans of insurance?
A. Yes. The Optional Plan coverage and rates were developed on the basis of Girl Scout managed experience only. The Insurance Company relies on Girl Scout supervision and approval for all events and especially the adherence to health and safety standards.
Q. What is the minimum premium per event?
A. There is no minimum premium per event. The $5.00 minimum applies to each submission of an Enrollment Form. More than one event may be listed on an Enrollment Form.
Q. How do you claim benefits under Plan 2?
A. To claim benefits under Plan 2, fill out a Claim Form (M18979). See Section 6, How to File a Claim.
NOTE: THE COUNCIL WILL NEED TO REVIEW ALL CLAIM FORMS AND REPORT SERIOUS ACCIDENTS TO ITS LIABILITY INSURANCE CARRIER. LIABILITY POLICIES OFTEN PROVIDE MEDICAL PAYMENTS. THESE MAY BE IN ADDITION TO OPTIONAL PLAN BENEFITS OR IN LIEU OF. CHECK WITH YOUR AGENT/BROKER.
For additional information about the insurance coverage available for registered members of the Girl Scouts of the USA, contact Mutual of Omaha Special Risk Services at 1-800-524-2324.
Mutual of Omaha Insurance Company is licensed in all 50 states; United of Omaha Life Insurance Company is licensed in all states but New York. In New York, Companion Life Insurance Company, Lynbrook, NY, underwrites life insurance and annuities.