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Richard Bulpitt Elementary School June 28, 2016
Community Communication Cooperation Collaboration
Dear Parents and Guardians:
On behalf of the team at Richard Bulpitt Elementary School, we
would like to wish everyone a wonderful, safe and relaxing
summer. It has been an exciting year of growth at Richard
Bulpitt Elementary School, and we are eagerly making plans for
our return in September. A special Farewell to our grade five
students who are leaving this year. All the best in your new
schools next year. We know you will do well!
What is Happening In September?
The school office will be open in August on 29th. We will again be touring
our new families on Friday September 1st and 2nd at 11:00am. We will be
emailing more information to families about this event in August. On the
first day of school (Sept. 6th) students will return to their “old” teachers
and classrooms at 8:35am. New Kindergarten students do not attend that
day but their parents are invited to come and sign up with an interview
with a kindergarten teacher. New students to Richard Bulpitt will be
assigned a temporary homeroom until our class placements are finished.
Principal
Mrs. Lenko
Vice-Principal
Mrs. Krisko
Administrative Assistant
Ms. Davies
PAC
Hot Lunch Questions -
www.munchalunch.com
Important Dates to Make
Note of….
Jun 29
Final Report Card
Last Day of School
Lost and found items
donated
Sept 6 Schools Open
Twitter: @RichardBulpittS
Blog - Bulldog Boastings
Website:
www.richardbulpitt.sd35.bc.ca
Subscribe to Calendar
Updates,
BULPITT BARK
COMMUNITY, COMMUNICATION, COOPERATION, COLLABORATION
Community, Communication, Cooperation, Collaboration
Click Here For
Richard Bulpitt Elementary School June 28, 2016
Thank-you for all you do!
On behalf of the school, thank-you to our amazing Parent Advisory Council. We are so grateful for all you do
for our school. Thanks to these outgoing PAC executive members: Karena Bowman, Sarah Moon, Maria
Morais, Jennifer Reid, Melissa Cameron.
Welcome to the new PAC Executive 2016/2017 Members
President - Victoria Wallis
Vice President - Shawna McClure
Treasurer - Kara Eastgate
Secretary - Kerry Campbell
Communications - Tina Costopoulos
Distict PAC Rep - Carly Eddy
Member at Large Kindergarten - Arthur Glauser
Member at Large Primary - Aimee Weiss
Member at Large Intermediate - Angela Drake
Fruit and Veggie Program Coordinator - Kristine Lake
Volunteer Coordinator - Aviva Kaminski
Hot Lunch - Kara Eastgate
Please continue to monitor the website for further information this summer. If there are new
families who move into our catchment area, the office will be open for registration until
Thursday July 7th and reopens Monday August 29th Summer office hours will be open from
8:30am-3pm. No Registrations will be taken during summer holidays.
Information will be posted to our website and emailed home in late August. Please make sure
that we have your most current email address on file. Please visit our website to update your
contact information .
A Special Invitation!
We invite our new students and families to come for a preview tour of the school on Sept. 1st and
2nd at 11:00am. Please contact the school if you will be attending. [email protected]
We would like to invite all of our grade five students for a special leadership opportunity. On
September 2nd . We would like to meet with all grade five students at 1:00pm in the library. We
will do some activities, as well as help you plan some special events for the coming school year.
WE NEED YOUR HELP!! Please contact the school if you will be attending. [email protected]
Richard Bulpitt Elementary School June 28, 2016
The backbone of a good school is not made from fancy classrooms
and large campuses. It is made from the excellent education
imparted by teachers and support staff like you. You will be missed.
Jillian Siliverman
Gillian Knuttila
Kristie Burkett
Kaela Paradis
Kristy Kaye
Krystina Klassen
Cathy Merkel
Sarb Deol
Annie Nguyen (will be with us for 2 days a week in Sept )
Katie Pilkey
Shannon Wolstenholme
Lois Curtis
Christy Gage
Steve Comm
All items in the lost and found will
be donated, at the end of the last
day of school JUNE 29.
June 29 Final Report Card/Last Day of School
8:35 AM Welcome Bell
8:40 AM School starts
9:30-9:45 AM Early Recess
10:00 AM Call down to gym for assembly
10:15-11:15 AM End of year assembly in gym
11:15 AM return to class
11:25 AM Report Cards Handed out Early dismissal.
(Half day of school) Buses have been notified. Make sure students have all
items to take home, including report cards. Any items left in the lost and
found will be donated.
Report cards not picked up on the last day of school will NOT be mailed
home. Parents can pick up report cards until July 7th prior to schools
closing for the summer or they can be picked up after August 29 when the
school opens for the fall.
Richard Bulpitt Elementary School June 28, 2016
PLEASE LET US KNOW IF YOU ARE YOU MOVING?
In order to assist us in determining our projected enrolments for the
coming year, parents are asked to inform the school as soon as possible
if/when they know that their children will be leaving our school or not
returning in the fall.
Please call 604-888-5393 or email [email protected]
Still on Holidays in September??
If your student(s) are going to be absent the first few days or weeks of
school in September it is very important to let the office know. Please email
[email protected] with the name(s) of your student(s) and what dates
they will be away from.
Dear Parents; As many of you know, Richard Bulpitt Elementary School is working towards a playground expansion project. Why do we need to expand the playground? Given our increasing enrolment numbers and the strain on the current playground, the staff and administration have been working on controlling student traffic with intramural sports, some staggered breaks and directing children to the field but it is not enough. Our children learn through play and need the stimulation to focus and engage properly in class. What is the objective for the playground? There are many important factors to consider including providing a play structure for our intermediate students. The neighbourhood does not have a playground that provides perceived risk, the necessary motor skills or fun factor for our children. Where will the new playground be located? Directly behind the hockey box, it will be 40x60 feet long and fits beautifully into the space. We focused on providing multiple coordination skills for the intermediates plus ensuring that there are no physical obstructions for supervision. The space net is about 12-13 feet high for reference. It can also be used for gym class by creating circuits. Oh, and it's ideal for the game grounders too! How much money do we need to fundraise? Phase 1 will be approximately $50,000. We currently have about $20,000 raised through school events, gaming funds and direct donations. Several of our students have raised money through lemonade stands and personal projects! More fundraising will happen throughout the year including applications for grants, asking for support from local charities and memberships. When will it be built? The goal is to have the play structure in place January 28th, 2017 with a community installation.
The Parent Advisory Committee is constantly searching for new fundraising ideas. We are asking local businesses and parents to support community involvement by making a contribution of cash, products or services to our school for our playground either directly or through our Parent Pub Night and Silent Auction on Saturday November 5th, 2016. How can you help? If you would consider a direct donation of $25 or more this would provide a tax receipt for your generous donation. If you work for or own a company that could provide support or silent auction items for our Pub Night, this would be great. If you would like to participate in the planning for the Pub Night, we would appreciate your time and input! How can you donate? You can drop a cheque to the school office written to the Langley School District Foundation or mail it to the Foundation at 4875-222nd Street, Langley, BC V3A 3Z7. Donations can also be received online via PayPal at www.langleyschooldistrictfoundation.com. In the comments section, please clearly indicate that the donation is to be directed to Richard Bulpitt Playground fund. Our school is something to be proud of. We hope to build a legacy for children in this growing community. If you have any questions, please do not hesitate to contact us at [email protected]. Sincerely, Angela Drake Playground Expansion Project Chair Richard Bulpitt PAC
AT THE LANGLEY LIBRARIES
Registration begins June 15.
Sponsored by the British Columbia Library Association and your local public library with the generous assistance of Libraries Branch, Ministry of Education, and the RBC Foundation. kidssrc.bclibrary.ca • Illustrations by Lee Edward Fodi © 2016 • Design by Roger Handling.
The BC SRC welcomes the participation of all children and their families, and seeks to provide an accessible and fully inclusive program.
www.bcsrc.ca
Get ready to travel the world this summer! Join SRC and get an awesome reading record designed
by BC illustrator Lee Edward Födi. Collect stickers, enter to win prizes, see great shows, and earn a medal.
JUST READ EVERY DAY!
ALDERGROVE LIBRARY26770 29 AVENUE
604-856-6415
BROOKSWOOD LIBRARY20045 40 AVENUE
604-534-7055
CITY OF LANGLEY LIBRARY20399 DOUGLAS CRESCENT
604-514-2850
FORT LANGLEY LIBRARY9167 GLOVER ROAD
604-888-0722
MURIEL ARNASON LIBRARY130 – 20338 65 AVENUE
604-532-3590
MURRAYVILLE LIBRARY100 – 22071 48 AVENUE
604-533-0339
WALNUT GROVE LIBRARY8889 WALNUT GROVE DRIVE
604-882-0410
Day Camps Fort Langley National Historic Site
Join the Company of Adventurers at Vancouver’s only real fort. Get hands on with history and discover what life was like during 19th century fur-trade. Each day is a new adventure of imagination, games and play. Ages: 6 - 12 9:00am - 3:00pm daily $166 per child/per week $146.50 with an annual pass Sign up today! Call 604-513-4782, or email: [email protected].
http://www.pc.gc.ca/eng/lhn-
nhs/bc/langley/activ/activ17.aspx
Camp Voyageurs July 18 – 22 and August 8 – 12, 2016 Sign on for the adventure and spend a week as a Voyageur! Learn the skills you need to survive in the wild and live the experience of the legendary Voyageur. This fun filled week will feature crafts, music, tasty bannock and butter and activities related to the French, Metis and First Nations cultures of the fur trade. Trades Camp July 11-15 and August 15 - 19, 2016 Bring your sense of adventure and play a part in this 1800s Hudson’s Bay Company fort. Dress up as a Royal Engineer and take aim with an airsoft musket. Learn how blacksmiths make tools out of metal, practice the art of barrel-making, pan for gold and pretend you are the manager at the Fort!
Camps du jour Lieu historique national du Fort-Langley
En compagnie d’autres aventuriers, entrez dans l’histoire du seul véritable fort de Vancouver et découvrez comment vivaient les commerçants de fourrures du XIXe siècle. Chaque jour, une nouvelle aventure vous attend, remplie de jeux et d’imagination. Âge : de 6 à 12 ans De 9 h à 15 h, tous les jours 166 $ par enfant par semaine 146,50 $ pour les détenteurs d’un laissez-passer annuel Inscrivez-vous dès aujourd’hui! Composez le 604-513-4782 ou écrivez à [email protected].
http://www.pc.gc.ca/fra/lhn-nhs/bc/langley/activ/activ17.aspx
Camp des Voyageurs Du 18 au 22 juillet et du 8 au 12 août 2016 Lancez-vous dans l’aventure et passez une semaine dans la peau d’un voyageur! Apprenez ce que vous devez savoir pour survivre dans la nature et suivre les traces de ce personnage légendaire. Bricolage, musique, bannique : la semaine sera remplie d’activités amusantes liées à la culture des Français, des Métis et des Premières Nations qui ont participé au commerce des fourrures.
Camp des métiers Du 11 au 15 juillet et du 15 au 19 août 2016 Faites appel à votre esprit d’aventure et jouez le rôle d’un employé de la Compagnie de la Baie d’Hudson des années 1800 au fort Langley. Habillez-vous comme un ingénieur royal et tirez au fusil à air comprimé ou apprenez comment les forgerons fabriquaient des outils de métal. Vous pourrez aussi confectionner des barils, laver l’or à la batée et prétendre être le responsable du fort!
iA Financial Group is a business name and trademark of Industrial Alliance Insurance and Financial Services Inc.
KIDS PLUS™ ACCIDENT INSURANCE 2016 - 2017
underwritten by
INDUSTRIAL ALLIANCE INSURANCE AND FINANCIAL SERVICES INC.
SUMMARY OF INSURANCE BENEFITS FOR
S.D. NO. 35 (LANGLEY) BOARD NO. 012020394/16
For your information, the following is a description of the benefits that may be provided under the Kids PlusTM
Accident Insurance Policy (the “Policy”) issued to an Insured (as defined below) and of the other terms and conditions of the Policy. The benefits will depend on the plan selected (Active Plan, Value Plan or Adult Plan) on the application form. Coverage under the Policy will commence on the Effective Date and will terminate on the Expiry Date. The Policy pays for loss due to ACCIDENT ONLY unless otherwise stated. Coverage for children qualifies as student insurance for coordination of benefits.
As required by the Insurance Act, please note the following: This policy contains a provision removing or restricting the right of the insured to designate persons to whom or for whose benefit insurance money is to be payable.
DEFINITIONS:
“ACCIDENT” means a sudden, unforeseen and unexpected event which arises from a source external to an Insured Person and that is not caused or contributed to, directly or indirectly, by physical or mental illness or disease or treatment for the illness or disease. This event must occur while this policy is in force and be the basis of the claim.
“ADULT” means a permanent resident of Canada who has Provincial Health Coverage and is age 20 to age 64 inclusive at the time of application.
“CHILD/CHILDREN” means a permanent resident of Canada who has Provincial Health Coverage and is 6 months to 19 years of age inclusive at the time of application. Foreign exchange and international students in Canada, and Canadian residents attending school outside of Canada, are not eligible to apply.
“COMPANY” means Industrial Alliance Insurance and Financial Services Inc.
“EFFECTIVE DATE” means the latter of September 1, 2016 and the date the Company or its authorized representative receives your application form or renewal form and the required premium will constitute the Effective Date of the Policy.
“EXPIRY DATE” means the date the Insured is no longer a permanent resident of Canada; the date the Insured is covered by a replacement Kids Plus™ Accident Insurance Policy or at 12:00 midnight on September 30, 2017, whichever date first occurs.
“INJURY” means bodily injury which results, directly and independently of all other causes, in loss covered by the Policy and is caused by an Accident sustained by the Insured while the Policy is in force as to the Insured.
“INSURANCE ACT” means the applicable insurance legislation in the applicable provincial jurisdiction.
“INSURED” means a Child or Adult for whom application has been made and for whom the applicable premium has been paid.
“PARENT” means the parent or legal guardian who has applied for a Child under the Policy.
“PHYSICIAN” means a legally qualified, licensed doctor of medicine.
“POLICY” means Kids Plus™ Accident Insurance Policy.
“SICKNESS (as it relates to the Emergency Out of Province/Country Travel benefit)” means unforeseen and unexpected bodily sickness or disease which first manifests itself while the Insured is outside his/her province of residence.
“TRIP” means any trip limited to a 30 day duration. No coverage is provided under the Emergency Out-of-Province/Country Travel benefit for trips in excess of 30 days.
Board No. 012020394/16 Page 2
BENEFIT SUMMARY This Benefit Summary forms part of the Policy. ACTIVE PLAN
VALUE PLAN
ADULT PLAN
Child only Child only Adult only
Dental Treatment and Eyewear Dental treatment within 7 years following Accident for Children (1 year for Adults) [BENEFIT NUMBER 1]
ProvFeeGuide ProvFeeGuide ProvFeeGuide
Dental treatment after 7 years following Accident for Children [BENEFIT NUMBER 1] $1,500 $1,250 not available
Dental Implants (each) [BENEFIT NUMBER 1] $1,750 $1,500 $1,250
Orthodontics [BENEFIT NUMBER 1] $2,500 $1,500 $2,000
Dentures and artificial teeth [BENEFIT NUMBER 2] $500 $500 $500
For Eyeglasses/contact lenses: Repair/replacement [BENEFIT NUMBER 3] $350 $300 $250
For Eyeglasses/contact lenses: Initial purchase when not previously required or worn [BENEFIT NUMBER 3]
Full Cost Full Cost $300
Fracture, Dislocation or Surgery Skull (depressed) or spine (three or more vertebrae) [BENEFIT NUMBER 4] $1,000 $750 $750
Skull (not depressed) or spine (less than three vertebrae) or pelvis [BENEFIT NUMBER 4] $500 $250 $250
Arm between elbow and shoulder, or thigh, or hip, or shoulder blade, or shoulder [BENEFIT NUMBER 4]
$175 $150 $150
Lower leg, or knee cap, or ankle, or calcaneous (heel bone), or bone(s) of the feet (metatarsals) or hand(s) (metacarpals), or collar bone, or forearm, or wrist, or elbow [BENEFIT NUMBER 4]
$125 $100 $100
Sternum, or sacrum/coccyx, or upper jaw, or lower jaw, or nose, or two or more toes, fingers or ribs [BENEFIT NUMBER 4]
$75 $50 $50
One toe, finger or rib, or any bone not specified above [BENEFIT NUMBER 4] $50 $25 $25
Surgery for: severed tendon(s) or burns (requiring skin graft), or ruptured kidney/liver/spleen, or punctured lung, or knee (when there is no fracture or dislocation), or eye surgery, or emergency surgery requiring general anaesthetic (excluding dental surgery) [BENEFIT NUMBER 4]
$150 $100 $100
Hospital, Paramedical, Counselling, and Prosthetics Private or semi-private room while in hospital; ground ambulance service; registered nurse or certified nursing aid if requested by attending physician; rental of crutches, appliances, wheelchair, or hospital-type bed (limited to purchase price); prescription drugs; splints, casts and cast materials, trusses, pressure garments requested by attending Physician for curative or therapeutic purposes only [BENEFIT NUMBER 5]
Full Cost Full Cost Full Cost
Rental of TV, radio, or telephone while in hospital [BENEFIT NUMBER 5] $25/day $20/day $15/day
Treatment by a physiotherapist or registered massage therapist when requested by the attending Physician; treatment by a chiropractor or osteopath; medical supplies for the purpose of dressing changes when prescribed by the attending Physician [BENEFIT NUMBER 5]
$800 $600 $400
Braces prescribed by the attending Physician for curative or therapeutic purposes only (limited to one purchase per Injury) [BENEFIT NUMBER 5]
$1,250 $1,000 $500
Counselling [BENEFIT NUMBER 6] $1,000 $500 $500
Purchase of artificial limbs, eyes, hearing aids, and other prosthetic appliances [BENEFIT NUMBER 7]
$5,000 $5,000 $5,000
Commercial repair of a prosthetic appliance [BENEFIT NUMBER 7] $500 $500 $500
Travel and Transportation Emergency Out-of-Province/Country medical expenses [BENEFIT NUMBER 8] $100,000 $50,000 $25,000
Emergency Return Flight [BENEFIT NUMBER 9], Family Transportation [BENEFIT NUMBER 10] $1,000 not available not available
Above is for Injury and Sickness? Both Injury only Injury only
Emergency Transportation [BENEFIT NUMBER 11] $250 $250 $250
Special Treatment Travel [BENEFIT NUMBER 12] $2,500 $2,500 $2,500
Death or Disability Accidental Death [BENEFIT NUMBER 13] $20,000 $7,500 $10,000
Double Indemnity [BENEFIT NUMBER 13] $40,000 $15,000 $20,000
Non-Accidental Death [BENEFIT NUMBER 14] $20,000 $7,500 not available
Repatriation [BENEFIT NUMBER 15] $5,500 $5,500 $5,500
Permanent Total Disability [BENEFIT NUMBER 16] $360,000 $75,000 not available
Confinement Disability [BENEFIT NUMBER 17] $750/month $500/month not available
Rehabilitation [BENEFIT NUMBER 18] $10,000 $5,000 $2,500
Private Tutor [BENEFIT NUMBER 19] $5,000 $2,500 not available
Wage Loss [BENEFIT NUMBER 20] $1,000 not available not available
Babysitting [BENEFIT NUMBER 21] $100 $50 not available
Dismemberment or Total and Permanent Loss of Use Both hands, or both feet, or one hand and one foot, or one hand or one foot and entire sight of one eye, or entire sight of both eyes, or speech and hearing [BENEFIT NUMBER 22]
$200,000 $50,000 $50,000
One entire arm or leg, or one hand or foot, or entire sight of one eye, or speech, or hearing in both ears [BENEFIT NUMBER 22]
$60,000 $20,000 $20,000
Entire thumb and index finger (same hand) [BENEFIT NUMBER 22] $30,000 $10,000 $10,000
Thumbs, fingers, or toes (each entire thumb, finger, or toe) [BENEFIT NUMBER 22] $4,000 $1,000 $1,000
One entire phalanx of any one finger, or hearing in one ear [BENEFIT NUMBER 22] $2,000 $500 $500
Critical Illness Hospital services or nursing expenses [BENEFIT NUMBER 23] $12,600 $5,600 not available
Commercial accommodation/meals, travel/parking [BENEFIT NUMBER 23] $2,900 $2,900 not available
Board No. 012020394/16 Page 3
KIDS PLUS™ ACCIDENT INSURANCE POLICY 2016 - 2017 1. DENTAL When Injury to whole or sound teeth requires and first receives treatment by a dentist within 60 days from the date of an Accident, benefits will be paid for customary treatment payable by the Insured or Parent within 7 years following the date of the Accident for Children (within one year for Adults). Capped or crowned teeth are considered whole or sound. If treatment cannot be completed within 7 years due to the development of a Child’s teeth, the Company will pay up to the specified maximum per injured tooth as shown in the Benefit Summary, for the expense incurred to cap, crown, replace, or restore each injured tooth, providing treatment is completed prior to the Child reaching the age of 26. Benefits will be paid for dental implants (subject to a maximum of two for any one Accident) required solely as a result of an Accident provided treatment is received within 7 years following the date of the Accident for Children (one year for Adults), up to a maximum per implant per Accident as shown in the Benefit Summary. Benefits will be paid for Injury related orthodontic treatment required solely as a result of an Accident provided treatment is received within 7 years following the date of the Accident for Children (one year for Adults), up to the specified maximum per Accident as shown in the Benefit Summary. No Dental benefit will be paid for treatment received outside Canada, other than as provided under the Emergency Out-of-Province/Country Travel benefit. Where one or more customarily employed and professionally adequate methods of treating an Injury to the teeth exists, the Company will pay an amount equal to the cost of the least expensive treatment. Maximums payable under this benefit are based on the fee specified in the General Practitioner Schedule of Fees and Treatment Services of the Provincial Dental Association or its equivalent as determined by the insurance industry. 2. DENTURES AND ARTIFICIAL TEETH If an Insured’s Injury requires and receives treatment by a dentist, and results in the breakage of dentures or an artificial tooth or teeth, the Company will pay the actual cost of repair or replacement up to the maximum shown in the Benefit Summary during the term of the Policy. 3. EYEGLASSES AND CONTACT LENSES If an Insured’s Injury is treated by a Physician, dentist, or registered nurse (RN) within 30 days of an Accident AND; (a) results in broken eyeglasses or loss or breakage of a contact lens or lenses, the Company will pay the cost of
repair or replacement up to the maximum shown in the Benefit Summary, or (b) necessitates the purchase of eyeglasses or contact lenses (not previously required or worn) upon the advice of
a Physician, the Company will pay the amount shown in the Benefit Summary for the initial purchase. 4. FRACTURE, DISLOCATION, OR SURGERY When Injury results in any of the listed fractures, dislocations, or surgeries and requires medical or surgical treatment, the Company will pay the benefit specified in the Benefit Summary. No more than one amount (the greatest) will be payable as the result of any one Accident. For the shoulder or knee cap dislocation benefit to be payable, there must be open reduction/open primary repair. In the event of compound, comminuted, or bi-lateral fractures, the amount payable will be doubled.
Board No. 012020394/16 Page 4
5. HOSPITAL AND PARAMEDICAL When an Insured under the regular care and attendance of a Physician, and as a result of Injury, requires and first receives treatment within 30 days from an Accident, the Company will pay the reasonable and customary expense for items listed in the Benefit Summary up to the maximums specified on a per Injury basis. The expense must be incurred in Canada (except as otherwise provided under the Emergency Out-of-Province/Country Travel benefit) within 3 years from the date of the Accident for Children and within one year from the date of the Accident for Adults. 6. COUNSELLING Upon the medical advice of the attending Physician, as a result of an Insured’s death, Injury, or Critical Illness, the Company will pay up to the maximum shown in the Benefit Summary for an Insured or his/her immediate family to undergo counselling performed by a registered psychologist or professional counsellor. Expenses must be incurred within 3 years from the date of death, Injury, or diagnosis of Critical Illness. 7. ARTIFICIAL LIMBS, EYES, HEARING AIDS, AND OTHER PROSTHETIC APPLIANCES When Injury results in these appliances being prescribed by a Physician and purchased within 3 years from the date of an Accident, the Company will pay the cost up to a maximum of $5,000 as a result of any one Accident. If a prosthetic appliance is damaged in an Accident which causes Injury to an Insured and the appliance requires commercial repair, the Company will pay the cost of repair up to $500 for all such repairs during the term of the Policy. 8. EMERGENCY OUT-OF-PROVINCE/COUNTRY TRAVEL In addition to expenses reimbursed under the Hospital and Paramedical benefit, the Company will pay the following reasonable and customary expenses incurred by the Insured as a result of being injured on a Trip outside of Canada or his/her province of residence: out-patient emergency room charges, standard hospital ward charges, the emergency treatment by a legally qualified Physician, surgeon, dentist or dental surgeon, hospital expenses, and x-rays and laboratory services as may be requested by the attending Physician. The Injury must occur while the Policy is in force and require that the Insured receive emergency treatment by a Physician or dentist. For Insureds covered under the Kids Plus™ Active Plan, this benefit extends to include coverage for Injury and Sickness. The same benefit wording and limitations apply to Sickness as apply to Injury under this benefit. The maximum aggregate amount payable, in Canadian funds, for all such Injury incurred (or in the case of the Kids Plus™ Active Plan, for all such Injury or Sickness) during the term of the Policy is as shown in the Benefit Summary. Reimbursement is payable only for the excess charges over and above any amounts payable or collectable under any provincial medical care or hospital plan, or other travel policy. Coverage will be coordinated with any other policy according to the guidelines published by the Canadian Life and Health Insurance Association Inc. (CLHIA). 9. EMERGENCY RETURN FLIGHT If the Insured’s Sickness or Injury qualifies for the Emergency Out-of-Province/Country Travel benefits and results in the Insured having to return early or miss the scheduled return flight upon the advice and recommendation of the attending Physician, the Company will reimburse the Insured for the cost of one way Economy airfare up to the maximum shown in the Benefit Summary for the additional airfare paid to return to the original departure point. This benefit only applies to the Kids Plus™ Active Plan.
Board No. 012020394/16 Page 5
10. FAMILY TRANSPORTATION If the Insured is hospitalized and qualifies for Emergency Out-of-Province/Country Travel benefits and the Physician requires the necessary attendance of a Parent, the Company will pay for the reasonable cost of transportation by Economy class up to the maximum shown in the Benefit Summary. This benefit only applies to the Kids Plus™ Active Plan. 11. EMERGENCY TRANSPORTATION When Injury requires immediate medical attention but does not necessitate an ambulance, the Company will pay up to the maximum shown in the Benefit Summary for the expense to transport the Insured via private vehicle/taxi from the location of the Accident to a Physician’s office or the nearest hospital, and return to the school, workplace, or residence of the Insured, and to transport the Insured to and from school or work if the Injury requires special transportation. 12. SPECIAL TREATMENT TRAVEL If Injury requires special medical or dental treatment by a Physician or dentist that is unavailable within a 100 mile (160 km) radius of an Insured’s residence, the Company will pay the reasonable travel expense to obtain it. If the Insured’s age necessitates an escort, the escort will be paid for reasonable travel expenses plus up to a maximum of $80 per day for commercial accommodation and meals, provided all receipts are submitted to the Company. All benefits under this section are payable for one year from the date of the Accident and subject to the maximum shown in the Benefit Summary. 13. ACCIDENTAL DEATH Upon receipt of satisfactory evidence that Injury resulted in the death of an Insured within one year from the date of an Accident, the Company will pay the Accidental Death benefit as shown in the Benefit Summary. The benefit payable under this section will be the only amount payable under the Policy, unless benefits are payable for Repatriation or Counselling. Double Indemnity: The amount payable will be doubled for loss of life resulting from an Accident which occurs while riding in, boarding, or alighting from a bus, streetcar, subway coach or train, or any vehicle owned or leased by a school authority. In no event will the liability of the Company exceed twice the amount of the applicable Accidental Death benefit. 14. NON-ACCIDENTAL DEATH Upon receipt of satisfactory evidence that the death of an Insured occurred while the Policy was in force, the Company will pay the Non-Accidental Death benefit as shown in the Benefit Summary if the Insured dies for any reason other than an Accident. If the Insured dies as the result of a medical condition, the Non-Accidental Death benefit will only be payable if the medical condition that caused or contributed to the death first manifested itself while the Policy was in force as to the Insured. The benefit payable under this section will be the only amount payable under the Policy, unless benefits are payable for Repatriation or Counselling. This benefit only applies to Children. 15. REPATRIATION If Injury results in an Insured’s loss of life outside his/her province of residence within one year of an Accident, the Company will pay the expense incurred for preparing the deceased for burial or cremation and for transportation to the deceased’s city of residence, subject to a maximum of $5,000. Travelling expenses will be paid for a family member to identify the Insured’s remains, up to a maximum of $100 per day, subject to an aggregate limit of $500.
Board No. 012020394/16 Page 6
16. PERMANENT TOTAL DISABILITY If Injury totally and permanently disables an Insured within 120 days of the date of an Accident, the Company will pay the Permanent Total Disability benefit as shown in the Benefit Summary. Total and permanent disability must continue for 12 consecutive months, must be total, continuous, and permanent at the end of the 12 months, and must prevent the Insured from ever engaging in any occupation or employment for compensation or profit. The benefit payable for Permanent Total Disability will be reduced by the amount(s) payable under any other section of the Policy for the same Injury. This benefit only applies to Children. 17. CONFINEMENT DISABILITY If, within 30 days from the date of an Accident, an Insured is continuously confined to home or hospital while under the care and on the advice of a Physician and unable to attend classes of any type, the Company will pay the monthly Confinement Disability benefit as shown in the Benefit Summary, commencing with the 31
st day up to a
maximum of 36 consecutive months of confinement. This benefit only applies to Children. 18. REHABILITATION If Injury requires an Insured to be trained in a special occupation, the Company will pay the necessary expense for special training during the 3 years following the Accident up to the maximum shown in the Benefit Summary. Payment will not be made for travelling or clothing expenses, room, board, or other ordinary living expenses. 19. PRIVATE TUTOR If Injury results in a disability within 100 days of an Accident which confines the Insured to home or hospital for 30 consecutive days, the Company will pay up to $40 per hour for a qualified teacher’s private tutorial service. In addition, the Company will pay the labour charges, wiring, and rental of communication equipment to provide tutorial service from the school to home or hospital. Approval must be obtained from the proper school authority. All benefits payable under this section are subject to the maximum as shown in the Benefit Summary. This benefit only applies to Children. 20. WAGE LOSS An Insured, actively employed by a business for wages on a part-time basis who suffers an Injury, is under the regular care of a Physician, and is unable to perform all the duties of the job, will be covered for 80% of the Insured’s hourly wage during the disability. Actively employed means the Insured has been continuously employed for the 2 weeks immediately prior to the date of an Accident. Benefits will be payable from the 15
th day of disability,
to the maximum shown in the Benefit Summary during the term of the Policy. With respect to seasonal employment, this benefit will not be paid past the date employment would have normally ceased. This benefit only applies to the Kids Plus™ Active Plan. 21. BABYSITTING If an Insured sustains an Injury that requires and receives treatment by a Physician, and confines the Insured to home following an Accident, the Company will pay for a babysitter to tend to the Insured during normal school hours or during the Parent’s workday if the Parent is unable to do so. The babysitter must be at least 18 years of age and not an immediate family member. This benefit is subject to an hourly maximum of $10 and an aggregate limit as shown in the Benefit Summary during the term of the Policy. This benefit only applies to Children. 22. DISMEMBERMENT OR TOTAL AND PERMANENT LOSS OF USE Should Injury result in any of the scheduled losses, within one year from the date of an Accident, the Company will pay the Dismemberment or Total and Permanent Loss of Use benefit, as shown in the Benefit Summary.
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“Loss” as used with reference to: a) arm or leg means complete severance at or above the elbow or knee joint; b) hand or foot means complete severance at or above the wrist or ankle joint; c) eye means the irrecoverable loss of the entire sight thereof; d) speech and hearing means the total and irrecoverable loss thereof; e) thumb or finger means complete severance at or above the metacarpophalangeal joint; f) toe means complete severance at or above the metatarsophalangeal joint; g) one phalanx of any finger means complete loss of one entire phalanx. Loss of Use means a loss which is permanent, total, irrecoverable, and continuous for a period of 12 months from the date of the Accident. No more than the greatest amount will be paid as the result of any one Accident sustained by any one Insured, except that when death occurs within 90 days after the date of the Accident, indemnity will only be paid for Accidental Death. Benefits paid for any of the scheduled losses under this section will be the only amount payable under the Policy unless benefits are payable for Artificial Limbs, Eyes, Hearing Aids, and Other Prosthetic Appliances. In the event that the amount payable for a scheduled loss under this benefit is less than the amount payable under any other section of the Policy, the section providing the greater benefit will apply. 23. CRITICAL ILLNESS If an Insured is diagnosed by a Physician with any of the following diseases: Acquired Immune Deficiency Syndrome (AIDS) Meningitis Rabies Cancer Multiple Sclerosis Scarlet Fever Diphtheria Muscular Dystrophy Tetanus Encephalitis Myocarditis Tularemia Hemolytic Uremic Syndrome (renal failure resulting from E-coli bacteria)
Poliomyelitis Typhoid
which first manifests itself while the Policy is in force, the Company will pay the reasonable expenses actually incurred within 3 years from the date the disease is first diagnosed for: hospital services – semi-private or private ward accommodation (including rental of television, radio, or telephone to a maximum of $15 per day) and the employment of a registered nurse (RN) or certified nursing aid if requested by the attending Physician, not to exceed a maximum for all such expenses as shown in the Benefit Summary. In addition, the Company will pay a commercial accommodation and meal allowance to the Parent who must leave their residence to stay with or near the Insured, of up to $80 per day for a maximum of 30 days for any one illness, provided all receipts are submitted to the Company. The Company will also pay reasonable travel expenses plus parking costs incurred by the Parent to visit the hospitalized Insured, up to a maximum of $500 for any one illness, provided all receipts are submitted to the Company. This benefit only applies to Children.
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EXCLUSIONS AND LIMITATIONS
1. The Policy does not cover:
(a) sickness or disease either as a cause or effect except as otherwise provided; (b) suicide or attempt thereat, except in the case of Non-Accidental Death benefit; (c) Injury for which compensation is payable under any Workers’ Compensation Act, except in the case of
Accidental Death, and Dismemberment or Total and Permanent Loss of Use benefits; (d) the expense of a brace or similar device used for non-therapeutic purposes or solely for the purpose of
participating in sports or other leisure activities; (e) expenses incurred for mouthguards or treatment of Temporal Mandibular Joint (TMJ) dysfunction, whatever
the cause; or (f) Injury resulting from repetitive/strenuous activity (e.g. overexertion, strains, etc.).
2. No benefits or expenses are payable under the Policy for treatment or services which are insured services or
basic health services (e.g. Physician’s fees) under the provincial medical care or hospital plan applicable to an Insured whether or not that Insured is covered thereunder.
3. Benefits payable for Dental shall be for the excess of expenses paid, payable, or insured under any
government sponsored dental care plan or other dental plan or policy or any health plan providing accidental dental benefits.
4. If an Insured is entitled to similar reimbursement benefits through any other insurer or plan, the benefits
payable under the Policy shall be coordinated, so that the total benefits from all insurers or plans shall not exceed the actual loss incurred.
5. The Emergency Out-of-Province/Country Travel benefit will not pay for any expenses incurred directly or
indirectly as a result of:
(a) declared or undeclared war, civil war, riot, insurrection, invasion, or any act thereof; (b) an illegal act by the Insured; (c) any condition for which the Insured travels outside his/her province of residence for the purpose of seeking
medical advice or treatment; (d) participation in professional sports, acrobatic or stunt flying, hang gliding, parachuting, skydiving,
parasailing, rock climbing, mountain climbing, bungee jumping, scuba diving, or motorized speed contests; (e) while under the influence of alcohol, drugs, medication, or other toxic substances.
6. All amounts and maximums described in the Policy are in Canadian dollars. Any amounts payable to or from
the Company are in Canadian dollars.
7. An Insured cannot be covered under more than one Kids Plus Accident Insurance Policy. In the event an
Insured is inadvertently covered under more than one Kids Plus Accident Insurance Policy, the Company’s liability is limited to the return of premiums paid for the second application received.
8. The Kids Plus™ premium is a single one-time annual cost. Premium refunds are only available if requested
within 30 days of the Effective Date.
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GENERAL PROVISIONS 1. The Application Form and the Policy issued to the Insured constitute the entire contract between the Company
and the Insured. 2. No agent has the authority to change the Policy or waive any of its provisions. No change in the Policy shall be
valid unless approved and endorsed by an Executive Officer of the Company. 3. The Insured or Parent will give written notice of claim by sending it to the Company at the address shown on
the claim form not later than 30 days from the date a claim arises under the Policy, and within 90 days of such date furnish to the Company such proof as is reasonably possible of the Accident.
4. The Company will furnish forms for proof of claim within 15 days after receiving notice of claim, but where the
claimant has not received the forms within that time he/she may submit proof of claim in the form of a written statement of the cause or nature of the Accident giving rise to the claim and of the extent of the loss.
5. Failure to give notice of claim or furnish proof of claim within the time prescribed by this statutory condition does
not invalidate the claim if the notice or proof is given as soon as reasonably possible, and in no event later than one year from the date of the Accident if it is shown that it was not reasonably possible to do so within the time so prescribed.
6. The Company reserves the right to require examination of the Insured when and so often as it may reasonably
require while a claim is pending. 7. All moneys payable under the Policy, other than for loss of time, will be paid by the Company within 60 days
after it has received proof of claim. The initial benefits for loss of time will be paid within 30 days after the Company has received proof of claim, and payment will be made thereafter in accordance with the terms of the Policy but not less frequently than once in each succeeding 60 days while the Company remains liable for the payments if the Insured, when required to do so, furnishes before payment proof of continuing disability.
8. An action or proceeding against the Company for the recovery of a claim under the Policy will not be
commenced more than one year after the date the insurance money became payable or would have become payable if it had been a valid claim. Every action or proceeding against an insurer for the recovery of insurance money payable under the contract is absolutely barred unless commenced within the time set out in the Insurance Act.
9. All benefits payable under the Policy on behalf of Children are payable to or at the direction of the Parent. All
benefits payable under the Policy on behalf of an Adult are payable to the Adult Insured or in the case of Accidental Death to the Estate of the Adult Insured.
PRIVACY PROCEDURES In order to comply with federal and provincial privacy legislation relating to the collection, use and disclosure of personal information of the Insured, the Company requires that the attached Privacy Policy For The Industrial Alliance Group (Appendix 1) be followed.
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APPENDIX 1 – PRIVACY POLICY FOR THE INDUSTRIAL ALLIANCE GROUP
The Industrial Alliance Group is composed of Industrial Alliance Insurance and Financial Services Inc. and its subsidiaries (the “Company”). The Company is committed to protecting the Company’s clients’, employees’ and representatives’ (the “Individual/s”) privacy, and to ensuring the confidentiality of the personal information provided to it in the course of the Company’s business. The Company’s Privacy Policy sets out the Company’s standards for collecting, using, disclosing and storing the Individual’s personal information. The Company’s Privacy Policy also explains how the Company safeguards the Individual’s personal information and the Individual’s right to access that information. Personal Information
Personal Information is any information about an individual that identifies him or her, such as financial, lifestyle or health information, but not their name, title or business address, telephone or email. Personal information has to be protected regardless of its characteristics or its form, whether written, graphic, audio, visual, computerized or any other form. Purpose of Information Collection
Collecting information about the Individual is necessary in order for the Company to provide the Individual with high quality services. The nature and sensitivity of the information the Company collects about the Individual varies according to the services the Company provides the Individual, and to legal requirements imposed on it (such as the Individual’s social insurance number, where investment income is generated by a chosen product).
The purposes for which the Company collects personal information about the Individual are identified at or before the time of collection. For example, information may be collected while submitting an application, opening an account, or submitting a claim.
Purposes for collecting information generally include providing products or services requested, confirming the Individual’s identity, protecting against fraud, or dealing with matters concerning the relationship between the Company and the Individual. Any questions and concerns the Individual may have regarding the purposes for collecting information may be directed to us at the address provided below. Consent
When the Company collects personal information from the Individual, the Company obtains the Individual’s consent to use the information for the purposes collected. The Company will obtain the Individual’s consent for any additional use or collection, or if the purpose of using the information is changed.
The Company generally seeks the Individual’s express written consent in order to collect, use or disclose personal information. Where appropriate, for less sensitive information, the Company may accept the Individual’s verbal consent. Occasionally, the Company may imply consent where the Company can infer consent from the Individual’s action or inaction.
Consent must be given by the Individual or the Individual’s authorized representative such as a legal guardian or a person having power of attorney.
The Individual may withdraw the Individual’s consent at any time, subject to legal or contractual restrictions (for example, the Individual’s right to withdraw consent is necessarily limited where the Company needs information to extend a loan against the value of a policy issued by it). The Company will inform the Individual of the consequences of such withdrawal, including the possibility that the Company may not be able to provide a product or process a request. If the Individual chooses not to consent, the Company will record the decision in the Company’s file.
In limited circumstances, the Company has the right (or obligation) to collect, use or disclose personal information without the Individual’s knowledge and consent. This occurs when legal, medical, or security reasons may make it impossible or impractical to seek consent. When information is being collected for the investigation of a potential breach of contract, the prevention or detection of fraud, or for law enforcement purposes, seeking consent might defeat the purpose of the information collection. Similarly, seeking consent may be impossible or inappropriate when the Individual is a minor, seriously ill or otherwise incapacitated.
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Limits to Collection, Use and Disclosure The Company limits the collection of the Individual’s personal information to what the Company needs in relation to the purposes identified to the Individual.
The Company collects the information directly from the Individual unless the Individual allows the Company to collect information from a third party or in accordance with the law.
The Company limits the use of the Individual’s personal information to the purposes the Company has identified to the Individual. This means that the Company cannot use the Individual’s personal information for other purposes without the Individual’s consent, except as required by law.
The Company cannot disclose the Individual’s personal information to anyone except with the Individual’s consent or as required by law.
The Individual’s personal information is only accessible to certain authorized persons, and only to the extent necessary to perform their duties.
The Individual has the right to know, on request to whom the information was disclosed. Only in rare instances is the Company prevented by law from making such disclosure. The Company maintains accurate records, recording to whom it discloses personal information and in what circumstances the information was disclosed.
The Company will occasionally share the Individual’s personal information with service providers or agents to ensure the proper administration of products or to provide an Individual with the services the Individual requires. These service providers or agents must agree to comply with privacy legislation before receiving any personal information.
In certain circumstances, the Company may use service providers outside Canada, including the United States. The Company is responsible for the service provider’s compliance with the Company’s Privacy Policy and will ensure that the level of protection of personal information is comparable to that provided by the Company. Any questions concerning the collection, transfer or use of personal information outside Canada can be forwarded to the Privacy Officer at the address provided below. Retention The Company only retains the Individual’s personal information for as long as needed for the purpose it was collected. The Company must destroy this information in accordance with the law and the Company’s file retention guidelines. When the Company destroys the Individual’s personal information, the Company makes sure that confidentiality is secured and that no unauthorized person can access the information during the destruction process. Client List The Company may establish a list of clients (names, addresses and telephone numbers) and share this list with other companies of the Industrial Alliance Group. The purpose of this list is to allow us to better serve the Individual by offering relevant and available products and services. The Individual may request that the Individual’s name be removed from such a list by writing to the Privacy Officer at the address provided below. The Company does not sell client lists to third parties. Accuracy The Company makes every possible effort to ensure that the Individual’s personal information is as accurate and complete as necessary for the purposes it is collected, used, or disclosed.
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Accountability The Company is responsible for the Individual’s personal information in the Company’s possession or control, including information that may be transferred by the Company to third parties for processing. The Company requires such third parties to keep personal information under strict standards of privacy and protection.
The Company adheres to legislated and self-imposed rules, aimed to safeguard the Individual’s privacy. The rules are established by this Privacy Policy, the Code of Business Conduct (applicable to directors, officers and employees), Market Conduct Standards (applicable to agents and brokers) as well as insurance industry guidelines and applicable law. The Company’s staff is trained on these processes and procedures and is provided with information about privacy laws. Safeguards The Company has implemented and continues to implement rigorous safeguards so that the Individual’s personal information remains strictly confidential and is protected against loss or theft, as well as unauthorized access, disclosure, copying, use, or modification.
Protection methods include organizational measures such as requiring security clearances and limiting access to a “need-to-know'' basis, physical measures (e.g. building access cards for employees, visitor registration and identification cards, off-site backups and archiving), and technological measures such as the use of password and encryption (e.g. the use of routinely changing passwords, firewalls and segmented operator access).
Request for Access to Information and Amendments
The Individual has the right to be informed whether the Company holds personal information about the Individual and to see that information. The Individual also has the right to enquire as to how the Company collected the Individual’s information, how the Company used it and to whom it may have been disclosed.
This information will be provided to the Individual within a reasonable time from the date the Company receives the Individual’s written request. The Company may charge a reasonable fee for processing the Individual’s request.
In certain limited and specific circumstances, the Company may refuse to provide to the Individual the requested information. Exceptions to the Individual’s access right can include information that is prohibitively costly to provide, information that contains references to other individuals, information that cannot be disclosed for legal, security or commercial proprietary reasons, information that has been obtained in the course of an investigation of a potential breach of contract or fraud, and information that is subject to solicitor-client or litigation privilege.
In cases where the Company holds medical information about the Individual, the Company may refuse to provide the Individual with direct access to this information and may instead request that a health care professional be designated to provide the information to the Individual.
The Individual may challenge the accuracy and completeness of the Individual’s personal information. The Company will respond to an amendment request within a reasonable time.
Any request for access to information or request for amendment must be sent to the following address:
Privacy Officer Industrial Alliance Insurance and Financial Services Inc.
2165 Broadway West, PO Box 5900, Vancouver, BC, V6B 5H6 Toll free number: 1-855-737-7887
Email: [email protected]
Complaints and Concerns The Company’s employees and representatives are trained to respond to the Individual’s questions or concerns about personal information. Should the Individual be unsatisfied with the Company’s employee's or representative’s response, the Individual may contact the Privacy Officer at the address mentioned above. A complaint concerning the protection of personal information should be addressed to the Privacy Officer at the address provided above.
