The death of both Parents, can be extremely overwhelming. In order to support members and their families through this difficult circumstance, the orphan benefit is available to many Foresters members.

This benefit pays $900 per month per child to the legal guardian for children under age 18, due to the death of both Parents.

Upon graduation from high school, the child may be eligible to apply for the Orphan Scholarship member benefit, which provides up to $6,000 annually for postsecondary education and other expenses.

Eligibility requirements and limitations

• Both Parents must have been living at the time of application for membership.
• To be eligible for this benefit, both Parents of the child must be deceased.
• Membership must be in force at the time of the Parents’ death.
• Available to those members with:
  • A certificate with a minimum face value of $10,000, OR
  • An annuity with a minimum contribution of $1,000 paid in the previous 12 months.
• In the event of an accidental death, the benefit eligibility begins at the time of becoming an eligible member.
• The initial diagnosis resulting in the death of both Parents must occur at least 24 months after the date of application for membership or the date the Election Form was signed for the September 1, 2010 benefits package.
• Foresters requires satisfactory proof of the death of both Parents, medical reports, documents appointing legal guardians, and a birth certificate for each child.
• The benefit will be paid in the currency of the country where the certificate was purchased

• Benefit begins
  One month after the child becomes an orphan, but in no event earlier than six months before the date of the application for the benefit was received by Foresters.

• Benefit ends
• On the child’s 18^th birthday
• If the child marries
• If the child becomes self-supporting
• On approval of an Orphan Scholarship member benefit
• If the child is no longer a full-time high school student

Eligibility for Foresters Member Benefits

Definition of Terms

Foresters member benefits are non-contractual, subject to benefit specific eligibility requirements, restrictions and limitations and may be changed or canceled at any time without notice. Definitions are benefit specific and may vary by benefit.

"You" and "Your" refers to the member, who is either the insured or annuitant under a Foresters certificate.

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