Newborn Benefit
Benefit Description
This benefit may provide a $5,000 grant when an eligible member’s newborn child
does not live beyond six months of age, and/or the eligible member dies within
31 days after giving birth. The maximum grant is $10,000 due to the death of
both the newborn child and birthing mother.
The benefit also offers guaranteed insurability, issued at standard rates, on
the life of the newborn, regardless of his/her health. The coverage is $10,000
(except for the state of New York, where the limit for guaranteed insurability
is $5,000).
Eligibility requirements and limitations
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The benefit period for the newborn child begins on that child’s live birth and
continues through the first six (6) months after that birth, and in the case of
the mother, the benefit period is 31 days from the date of the live birth of
the child.
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Death must occur on or after January 1, 1995.
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The application for the grant must be submitted within six (6) months of the
date of death.
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The application must be accompanied by a Foresters claim form, and copies of
the newborn’s birth certificate and the death certificate of the child and/or
the mother.
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To be eligible for guaranteed issue, the application for a certificate of life
insurance for the newborn child must be submitted to Foresters and the initial
premium paid within the 31-day period following the first six (6) months from
the date of birth of that child.
Still have questions? Click through the links or call us at 800 828 1540
Eligibility for Foresters Member Benefits
Definition of Terms
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