Camp Accident Insurance

Employees of the United Church of God who serve at our camps are covered by workers’ compensation insurance. In an effort to assist our volunteer staff and campers, this page will give the details of the coverage the Church provides for them:

Volunteer staff members are strongly encouraged to carry their own personal insurance since you are not covered by workers' compensation insurance. To augment your personal coverage, the Church is providing a supplemental accident-medical policy. The coverage is subject to certain limitations, as stated in the policy (see link below).

Campers are expected to have personal medical insurance and the camp application (Health Questionnaire) requests the details on that coverage.  To augment your personal coverage, the Church is providing a supplemental accident-medical policy. The coverage is subject to certain limitations, as stated in the policy (see link below).

Please review the policy (see below) so you know what is and is not covered. Coverage is provided on primary basis, which means personal insurance does not have to pay first. Here is a brief* description of what is covered:

  • accidents: coverage applies to expenses arising from accidents (sudden and unforeseeable);
  • coverage applies during camp, and travel directly to camp and directly from camp to home (no side trips);
  • the first notice of a claim must be filed within 30 days from the incident;
  • the first medical expense must be incurred within 90 days from the incident;
  • the first claim for expenses must be filed within 90 days from the incident;
  • covers medical expenses incurred for up to three years;
  • maximum accident benefit per person: $25,000;
  • no deductible applies;
  • accidental death benefit: $10,000;
  • hospital, physician, ambulance expenses, etc., are payable based on reasonable and customary charges, which means not all expenses may be paid in full.

*This is just an overview and not intended to take the place of the policy--the policy is the accurate source for coverage details..

Click here to see the POLICY.    

Click here for the CLAIM FORM.

NOTE: It is the injured person’s responsibility to file all claims—the Camp Director only assists with the initial paperwork (and must sign) but does not file the actual claim—the injured person must do that. We emphasize again the importance of filing the initial notice of injury and all subsequent claims in accordance with the policy requirements.