Foresters helps to ensure that a child’s opportunity for higher learning is not jeopardized upon the death of a parent.

Benefit Description

	On the death of		Maximum per year
	One parent		$1,500
	Single parent		$3,000
	Both parents		$6,000

Except for the single parent scholarship, both parents must have been alive at the date of application for membership.

Eligibility requirements and limitations

• Available to those members with certificates of face value greater than or equal to $10,000 or if an annuity certificate it has a value of not less than $10,000 or premium of $1,000 paid in the past year.
• At the time of the parent’s death, the surviving spouse or legal guardian must register the child for this benefit.
• No benefit will be paid as a result of the death of a parent due to a disease, sign or symptom related to it that manifested prior to or within 24 months of the date of application for membership. For this purpose, disease shall be defined to include acquired immune deficiency syndrome and a diagnosis of HIV Positive status.
• In the event of an accidental death, the benefit eligibility begins at the time of becoming an eligible member.
• The program must be full-time, meaning at least one month in duration, with a minimum of 12 hours of supervised work in the program per week.
• Applicants must attend American or Canadian educational institutions that have recognized degree/diploma-granting powers (university preparatory programs, e.g., CEGEP/pre-university diploma, in any jurisdiction are not eligible).
• The duration of the scholarship and the amount of assistance will be at the sole discretion of Foresters.
• The scholarship will end and no further payments will be made if, at any time, the child’s scholastic progress is not satisfactory in the opinion of Foresters or the child does not attend full-time.
• If the child becomes orphaned at age 18 or younger, the program must begin in the calendar year in which the child’s high school education is completed.
• If the child becomes orphaned after age 18 and prior to reaching age 24, he/she must already be attending a program.
• The scholarship benefit is not available to a child who becomes orphaned after reaching age 24.
• The scholarship will not be granted for evening or part-time studies.
• Upon completion of the approved program, the scholarship will end.
• The scholarship is renewable each year and the recipient must comply with the the renewal criteria

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