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Depending on the type of Foresters membership you have, you may be eligible to apply for various benefits. Eligibility for Foresters Member Benefits extends to your immediate family as well. This includes:
- Your current husband or wife (from a legal marriage)
- Your spouse from a common law relationship (meaning 2 persons who have cohabited in a relationship of some permanence continuously for at least 2 years)
- Your children (biological or legally adopted) who are under the age of 25 and for whom you are legally responsible for maintenance and support
Member benefits do not extend to individuals outside of your immediate family (aunts, uncles, grandparents, etc.).
To be eligible for Foresters Member Benefits, your membership must be in force. Depending on the type of membership, this may require regular premium payments or an in force certificate under which you are an insured or an annuitant. Membership based on an in force certificate issued after October 31, 2000 must provide $10,000 of base coverage if a life insurance certificate 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.
Eligibility
This chart outlines the eligibility period for each benefit.
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Benefit Type |
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Eligibility Period |
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Critical Illness member benefit
Terminal Illness member benefit1 |
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Eligibility begins after the 24-month period following the date of application for membership |
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Competitive Scholarship member benefit
Orphan Scholarship member benefit
Young Family member benefit |
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Immediately upon becoming an eligible member |
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| 1Not available in New York and Illinois as a member benefit.
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If your membership is not in force for any reason, the 24-month eligibility period recommences from the date of your membership reinstatement or re-issue.
If an individual who became a member prior to November 1, 2000 elects to change to the November 1, 2000 package, the 24-month eligibility period for the Critical Illness member benefit and Terminal Illness member benefit starts from the date of the election for the new package.
Applicable Member Benefits
The Member Benefits for which you are eligible depends on the type of membership you have, when you became a Foresters member and possibly the certificate coverage amount or values.
Foresters retains full authority to administer and change the Member Benefits at its sole discretion. These benefits may be amended, changed, cancelled, in whole or in part, or eliminated at any time with or without notice, at the sole discretion of Foresters.
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