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If you became a voting member on or after November 1, 2000
If you became a Foresters voting member on or after November 1 2000, you are eligible to apply for the following member benefits:
To apply for a Competitive Scholarship, see full details below.
To apply for an Orphan Scholarship, Terminal Illness, Young Family or Critical Illness member benefit, please contact our North American Service Center at 800 828 1540.
Competitive Scholarships
The Foresters Competitive Scholarship Program offers 350 scholarships worth up to $8,000, for which students of any age with grades from 65% (Canada) or 2.5 (US) may apply. The Foresters Scholarship Program is a competition for scholarships, of $2,000 per year (US or Canadian dollars, depending on the institution for university, college or vocational/technical studies), tenable for up to four consecutive years or until the first degree is obtained. Scholarships are applicable towards full-time studies for an undergraduate degree or diploma from an eligible institution.
The Ken Peterson Award for Community Leadership of $5,000 in the first year, may also be rewarded to two applicants who have demonstrated exceptional leadership and extraordinary effort and ability to overcome adversity.
Scholarships are awarded to eligible applicants meeting the eligibility requirements (see below). Scholarship recipients will be selected from the completed applications submitted before the deadline date. This program is administered by the Association of Universities and Colleges of Canada.
Eligible applicants are:
- The dependent children of a Foresters member (must be a Foresters member's biological or legally adopted child)
- A Foresters member who is 25 years of age or under
- A Foresters member who is a mature student (over 25 years old) who is currently enrolled in full-time post secondary studies (excluding masters or PHD level)
Academic Requirements
- The dependent child or the Foresters member, 25 years of age or under, must have:
- If enrolled in bachelor studies in the year of the award, the student must have a minimum average of 75% (Canadian tens scale) or a GPA of 3.0 (on a 4.0 scale) in the last year of studies
- If enrolled in diploma studies in the year of the award, the student must have a minimum average of 65% (Canadian tens scale) or a GPA of 2.5 (on a 4.0 scale) in the last year of studies
- Mature students will have their academic qualifications evaluated based on proof of registration at an eligible institution as submitted as part of their application package
- All applicants (dependents and mature students) must have performed a minimum of forty (40) hours of community service in the 2 years prior to application.1 Community service is volunteering for any recognized Community Organization (e.g. Boys & Girls Club, Lions Club, Girl Guides, Sports camps, School or Religious institution, etc.).
Restrictions to Eligibility
- Applicants who have previously received a Foresters Competitive Scholarship will not be eligible to apply for a new scholarship.
- Foresters membership must be in effect on the date of application for a Foresters Competitive Scholarship.
- If the member dies in the course of the scholarship, the scholarship given to the dependent child will continue up to its maximum duration as long as that child continues to meet the renewal criteria
- The scholarship will terminate at the end of any academic year in which the Foresters member, if the scholarship recipient, or the sponsoring member ceases to be a member of Foresters
Eligible Institutions
Canadian and American educational institutions which have recognized degree/diploma-granting powers
University preparatory programs in any jurisdiction are not eligible (e.g. CEGEPs/pre-university diploma)
Field of Study
No restrictions on the program of study or discipline
Program must be of minimum two-year duration
Selection of Scholarship Recipients
- The selection of the scholarship recipients is made by and solely within the discretion of a committee composed of Canadian and American university and college representatives chosen by the Association of Universities and Colleges of Canada (AUCC) with appropriate regard to geographical representation
- Selection Committee's decision is irrevocable
Foresters exercises no influence in the selection of the scholarship recipients in the adjudication process.
Evaluation Criteria
- Minimum 40 hours of volunteer/community involvement
- Quality of reference letters (as per letter of reference guidelines available with application) with one in support of the applicants community service and one from either the applicants school or a Foresters Branch officer (not related to the applicant)
- Academic performance
Responsibilities of Scholarship Recipients
Responsibilities in the first year of the Scholarship
- Return the signed Award Acceptance Form
- Send proof of registration in a full time program of study in an eligible institution.
- Use the scholarship in the academic year it is awarded
Responsibilities for renewal of the Scholarship in subsequent years
- Complete and return the Renewal Report sent to student by the AUCC each spring
- Renewal Report must be signed by the student and signed and stamped by the institution
- Maintain a full-time course of study and remain in good academic standing as defined by the educational institution
- For those students who have previously received the Scholarship Award, there are no changes to the renewal process
Payment
AUCC will forward payment of the scholarship to the educational institution on behalf of Foresters.
Scholarship Administrator
The Association of Universities and Colleges of Canada (AUCC) administers the scholarship program on behalf of Foresters. The AUCC is the voice of Canada's universities. They represent 175 Canadian public and private not-for-profit universities and university-degree level colleges. Their mandate is to facilitate the development of public policy on higher education and to encourage cooperation among universities and governments, industry, communities, and institutions in other countries. They provide services to member universities in three main areas; public policy and advocacy, communications, research and information sharing and scholarships and international programs.
On-line Application Procedures
As of September 1, 2006, applicants have the option to apply for a scholarship electronically.
Through this system the applicant will be able to track the application using the Scholarship tracking system. Once the application has been submitted electronically, the applicant will be required to mail the supporting documentation requested on the application to the address below.
- Applications must be completed online by the deadline.
- Documents to be forwarded to the AUCC to support an online application are:
- Official transcript of the last year of available marks;
- Community Service Achievement List;
- 2 letters of reference (as per letter of reference guidelines available with application) one in support of the applicant's community service and one from either the applicant's school or a Foresters Branch officer (not related to applicant).
Paper Application Procedures
Application packages must be sent to the AUCC post marked no later than the deadline. A complete application package to be forwarded to the AUCC must consist of:
- The completed application form;
- An official transcript of the last year of available marks;
- Community Service Achievement List;
- 2 letters of reference (as per letter of reference guidelines available with application) one in support of the applicant's community service and one from either the applicant's school or a Foresters Branch officer (not related to applicant).
- The Member Consent form
Only official transcripts will be accepted. Photocopies will not be accepted unless they bear the original signature, school stamp or seal. Further information and application forms should be requested directly from the AUCC at the address noted on the right. Please refer to the Foresters Scholarship Program.
Mail your complete application package to:
Higher Education Scholarships
Association of Universities and Colleges of Canada (AUCC)
Ref: Foresters Scholarship Program
600-350 Albert Street
Ottawa, Ontario K1R 1B1
Telephone: 613 563 1236
Facsimile: 613 563 9745
E-mail: Scholarships@aucc.ca
Continuation
Foresters retains the right to change and/or end the scholarship program without notice.
1Foresters understands that because eligibility requirements have changed, not all potential applicants will have completed 40 hours of volunteer service in the last two years. We encourage all students to apply, however priority will be given to those who meet the volunteer hour requirement in the last two years. Applicants who are unable to meet the community service criteria due to extenuating circumstances (i.e. single parent, family illness, disability) may still apply provided they submit a written account of such circumstances which must be validated by a minister, doctor, school counselor or family service agency.
Orphan Scholarships
Provides children of a deceased benefit member with a renewable scholarship for higher learning for up to 4 years to cover tuition and maintenance
Orphan Scholarships
one parent
single parent
both parents
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Benefit Description
$1,500
$3,000
$6,000
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Parent is defined as a person who is legally responsible for the maintenance and support of a child, with the child being defined as either biological or legally adopted.
Single Parent is defined as a Parent who is widowed, has never been married, or in the case of divorce or separation, has been the sole provider for the maintenance and support of the child at the time of application for membership.
The determination of whether a Parent is a Single Parent will be at the sole discretion of Foresters.
Eligibility Requirements & Limitations
- The child must start their post-secondary education (continuous from high school) when they are between the ages of 18 and 24.
- Post-secondary education program must be full-time and at least 1 month long, with a minimum of 12 hours of instruction each week. Part-time classes do not qualify.
- Program must lead to a Bachelor's Degree or an occupational diploma at an accredited educational institution.
- This Member Benefit is available for up to 4 years or until completion of the program, whichever occurs first.
- Student must reapply every year. Eligibility is based on full-time attendance and satisfactory academic progress.
- Except the Single Parent Scholarship, both parents must have been alive at the Date of Application for Membership.
Note: No benefit will be paid as a result of any disability or death of a benefit member, parent, or child due to any disease, signs or symptoms that have manifested at any time prior to or within 24 months of the date of application of membership. For this purpose, illness, physical condition and disease shall be defined to include acquired immune deficiency syndrome and a diagnosis of HIV+ status.
Note: If the child is between 18 and 24 when the parent dies, they must already be attending a university or other educational institution to qualify for this benefit.
Terminal Illness
An interest-free loan is provided for any insured individual in the benefit member's family who becomes terminally ill. The total loan can be up to 75% of the Net Face Amount of Foresters life insurance (it must be absolutely assigned to Foresters to the extent of its interest, up to a maximum of $250,000). The loan will be repaid from the insurance proceeds payable upon the insured's death.
Eligibility Requirements & Limitations
- Initial diagnosis must occur at least 24 months after the date of application for membership.
- Ineligible: Members who hold only a group insurance contract, individual term insurance that is not renewable and convertible, or term insurance within 5 years of maturity.
- The insured, or owner if other than the insured, must agree that:
- Any irrevocable beneficiary must agree in writing to the loan.
This loan will be the first charge to the insurance certificate or contract and will take precedence over any death, disability, or other benefits.
Foresters may increase the amount of the loan to cover administrative costs of maintaining the certificate (i.e. premiums, cost of insurance, expense charges).
At the time of the loan and prior to the insured's death, the certificate needs to be absolutely assigned to Foresters. The application for the death benefit will be made to the external company. The amount of the loan will be subtracted from the proceeds that the beneficiary receives.
The benefit payment is contingent upon medical proof satisfactory to Foresters.
Notes:
- Terminally ill means there is a reasonable certainty of death within 12 months as determined by a legally qualified physician who can provide medical proof satisfactory to Foresters.
- Not available in the states of New York and Illinois as a member benefit.
Young Family Benefit
Orphan Benefit Monthly Payment For Children Under 18
We know that ensuring your children are taken care of is one of your most important concerns. This benefit pays $300 per month per child to the legal guardian for children under 18 due to death of both parents.
- An orphan is a child whose parents are deceased.
- Both parents must have been living at the time of application for membership.
- Membership must be in force at the time of parents' death.
Eligibility Requirements & Limitations
No benefit will be paid as a result of any disability or death of a benefit member, parent, or child due to any disease, signs or symptoms that have manifested at any time prior to, or within 24 months of, the Date of Application of Membership. For this purpose, illness, physical condition and disease shall be defined to include acquired immune deficiency syndrome and a diagnosis of HIV+ status.
Benefit Begins
- one month after the child becomes an orphan; but in no event, earlier than 6 months from the date of application for the benefit
Benefit Ends
- when the child turns 18
- marries
- becomes self supporting
- or, receives a Foresters Scholarship grant
Foresters requires satisfactory proof of the death of both parents, documents appointing legal guardians, and a birth certificate for each orphan.
Critical Illness Member Benefit
A $4,000 lump sum payment per benefit membership is provided upon initial diagnosis of one of these Critical Illnesses for any one family member:
- Cancer
- Heart attack
- Stroke
- Multiple Sclerosis
Note: The benefit is a lump sum payment, not an expense reimbursement.
Eligibility
To be eligible the claim must be made:
1) initial diagnosis must occur at least 24 months after date of application for membership or the date of the election form for the new package.
Member is ineligible if:
a) an individual with critical illness is 70 years of age or older at the time of the initial diagnosis; an eligible family member has already received the Critical Illness Member Benefit payout; the critical illness was a pre-existing condition (the individual's critical illness was initially diagnosed prior to the Date of Application for Membership or occurred within 24 months after the Date of Application for Membership).
b) an eligible family member has already received benefits from the Cancer Benefit or Multiple Sclerosis Benefit from the pre-November 2000 Foresters Member Benefits package.
Foresters does not provide benefits for any medical condition or surgical treatment other than the Critical Illness conditions defined below.
Foresters must receive the application for benefits within 6 months of the initial diagnosis date. Diagnosis must be made by a legally qualified physician and provide medical proof satisfactory to Foresters.
Note: All figures reflect the currency of the country of certificate origin.
Critical Illness Definitions
Critical Illness is defined, for the purpose of the Critical Illness Benefit, as any of the medical conditions listed on this page. To be eligible, the benefit member or eligible individuals in their immediate family must be first diagnosed with one of the Critical Illness conditions at least 24 months after the date of application for membership or the date of the election form for the new package.
Cancer is defined as a malignant neoplasm (including hematologic malignancy), which is characterized by the uncontrolled growth and spread of malignant cells and the invasion of tissue, and which is not specifically hereafter excluded. The following types of cancer are excluded from the definition: early prostate cancer diagnosed as T1N0M0 or equivalent staging; First Carcinoma in Situ (meaning the first diagnosis of cancer wherein the tumor cells still lie within the tissue of the site of origin without having invaded neighboring tissue); pre-malignant lesions (such as intraepithelial neoplasia), benign tumors or polyps; any skin cancer, other than invasive malignant melanoma in the dermis or deeper, or skin malignancies that have become life threatening cancers. Cancer must be diagnosed pursuant to a pathological diagnosis or a clinical diagnosis.
Heart Attack (Myocardial Infarction) means the death of a portion of the heart muscle resulting from blockage of one or more coronary arteries. The diagnosis must be based upon both: 1) new electrocardiographic changes consistent with and supporting a diagnosis of heart attack; and 2) a concurrent diagnostic elevation of cardiac enzyme.
Stroke is a cerebrovascular accident or infarction (death) of brain tissue caused by hemorrhage, embolism, or thrombosis producing measurable, neurological deficit persisting for at least 30 days following the occurrence of the stroke. Transient Ischemic Attack (TIA) or other cerebral vascular events are not considered a Stroke under this definition.
Multiple Sclerosis is defined as the occurrence of at least two episodes of well-defined neurological abnormalities with objective evidence of lesions at more than one site within the central nervous system. In order for Multiple Sclerosis to be covered, a legally qualified physician who is a board certified neurologist must make a definitive diagnosis of Multiple Sclerosis, supported by modern imaging and/or investigative techniques.
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