Wakefield Driving Instructors Association
Wakefield Driving Instructors Association
WAKEFIELDDRIVING INSTRUCTORS ASSOCIATION
THE DAVE LAWRENCESAVINGS SICKNESS, ACCIDENT AND DEATH SCHEME TERMS AND CONDITIONS
REVISED JUNE 2009 FOR WAKEFIELD-DIA
Scheme manager ROY MITCHELL
THE DAVE LAWRENCE WAKEFIELDSCHEME Introduction
The Dave Lawrence Wakefield Savings and Sickness Scheme (hereafter referred to as the DLW SCHEME) is designed to benefit its members in several ways.
a- A Christmas savings scheme (Contract type only, paid out beginning of December). b- Financial support when you need it most, after an accident or prolonged illness. c- Sudden death.
Unlike other similar schemes run by Insurance companies the money you pay in is not dead money but is returnable at the end of each year, subject to any deductions made for claims.
The scheme only pay’s out if a member cannot work for a period longer than two weeks. In the case of short term illness the member must make his or her own provision for income.
The scheme only pays out up to a maximum of six weeks/year, after which time the member should have made their own provision for income. If the same or a related illness occurs within the next year and the full 6 weeks has been used up then no payment will be made, after a clear 1 year period it will return to normal (after two payments for the same or related illness, then no further claims can be made in the future).
Security - The scheme will never pay any member for more than six weeks in 1 year (the maximum claim period). By joining this scheme you will never be asked for more than a maximum of £5.00 per week. In the unlikely event that we receive more than one claim at any one time your commitment will be only £5.00 per week until all claims are settled. For example if two claims arise at the same time and one claimant requires payment for five weeks and the other claimant requires payment for three weeks then you will pay £5.00/week for 8 weeks, therefore a total of £40.00.
Join and get cover of up to £200.00 per week
see terms and conditions
Scheme manager ROY MITCHELL JUNE 09
THE DAVE LAWRENCE WAKEFIELDSCHEME TERMS AND CONDITIONS
1. The DLW SCHEME will be available to all members of the Wakefield DIA provided that they are: a) Fully paid up member, with annual subscriptions up to date. c) Have read and agree to be bound by the terms and conditions, and have signed a copy of the acceptance form.
2. Once the member has accepted the terms and conditions, and has signed the acceptance form confirmation will be a, printed in the news letter b, listed on the web site c, on the Wakefield test centre notice board. Only members on the above lists will be able to make a claim. Any change in personal details should be notified to the scheme manager.
A SICK NOTE WILL BE REQUIRED
3. In the event of a member having an accident or an illness that prevents them from working for more than two weeks, that member must contact the scheme manager (or committee member if manager is not available) immediately, a claim form will be sent out, this should be completed and returned with a sick note or letter from either the hospital or G.P. confirming the member cannot work and also the starting date.
4. No payments will be paid for the first two weeks, so if a member has only a minor illness or injury a claim should not be made. Members who are unable to work due to injury or illness will receive assistance from the scheme starting at the end of the third week, for a maximum of six weeks. If the claimant is off work for part of a week, they will receive payment on a pro rata basis.
THE PAYMENTS WILL CEASE AFTER SIX PAYMENTS OR WHEN THE CLAIMANT RETURNS TO WORK, WHICHEVER IS THE SOONER.
5. Payment will be by cheque from the Wakefield DIA.
LIABILITY
6. Once a member has signed up to participate in the scheme, their liability will be to pay £5.00 / week / claim, if this payment is not received within 4 weeks of the requested date that member will be removed from the scheme and the membership of the association.
HOW TO MAKE A CLAIM
7. Contact the scheme manager who will send out a claim form, fill in and send back with official notification from hospital or doctor.
Scheme manager ROY MITCHELL JUNE 09
HOW MUCH WILL I BE PAID?
8. The payout is up to £200 per week (Subject to enough participating members).
CLAIMS PER YEAR
9 You are allowed to claim up to 6 weeks in 1 year for any illness, after the 2 weeks waiting period. This can be 3 claims of 2 weeks, each one requires the 2 week waiting period.
HOW MUCH WILL IT COST ME
10. By signing the acceptance form I agree to be bound by the terms and conditions as set down in the DLW-SCHEME. In particular I agree to support any fellow member of the Wakefield DIA who has a legitimate claim and will pay any monies due to be paid by me. The maximum I will have to pay under the scheme will be £5 per week per claim. If more than one claim arises at any given time I agree to continue to pay £5 per week until all claims have been settled. If the number of members in the scheme exceeds 41, then the amount per week/claim/member will be less than £5.00.
LONG TERM ILLNESS/ACCIDENT
11. The scheme is designed to give security and peace of mind to all participants. Accident or illness can strike without warning at any time. If a member contracts a terminal illness or very long term injury, they will still be supported by the fund up to the maximum number of 6 weeks. This period known as the claim period would help the person with a long term injury/illness whilst they sought other benefits that might be available to them. After the six week period the DLW scheme would not be liable to giving further financial assistance. The member should then make their own arrangements with regards to income after the six week claim period. New members wanting to join the scheme should disclose any injury/illness that has occurred in the last 12 months which has resulted in having 2 or more weeks off work.
SUDDEN DEATH
12. In the event of sudden death, unrelated to any previous claim within the last 12 month period. A single payment equivalent to £30.00 x the number of members-1. (up to a max of £1000.00) will be paid to the members’ next of kin, (for contract members the amount paid in during the current year will be paid back in addition to above), as soon as we receive the claim form and copy of death certificate.
EXCLUSIONS
13. The scheme does not cover the following A) Fraudulent claim (brought on purposely by the claimant) B) Injury or death caused by doing dangerous activities or sport (see list page 5). C) In the case of sudden death clause, death caused by suicide D) An illness which could have been foreseen prior to joining the scheme due to a pre existing condition in the last 12 months. E) Pandemic viruses F) Pregnancy or paternity leave
The WakefieldDIA reserves the right to amend these terms and conditions at any time. They can only be amended at a properly convened committee meeting and must have the backing of at least 6 committee members, if not a full members vote should be taken. All members of the scheme will be informed of any changes or amendments to these terms and conditions by a- newsletter b- website c- Wakefieldtest centre notice board d- Letter
Scheme manager ROY MITCHELL JUNE 09
EXCLUSIONS (DANGEROUS ACTIVITIES AND SPORT)
1- DRIVING A CAR, VAN OR LORRY OR SIMILAR FORM OF TRANSPORT UNLESS YOU HAVE THE APPROPRIATE LICENCE TO DO SO. 2- FLYING OF ANY KIND OTHER THAN A FARE PAYING PASSENGER. 3- HANG GLIDING 4- PARACHUTING 5- SKY DIVING 6- MOTOR RACING, MOTORCYCLE RACING OR SIDECAR RACING 7- BULLFIGHTING 8- POTHOLING OR CAVING 9- MOUNTAINEERING, CLIFF OR ROCK CLIMBING USING ROPES OR GUIDES 10- HORSE RIDING OF ANY KIND 11- BOXING, WRESTLING OR MARSHALL ARTS 12- MOTOR BOAT/YACHT ACTIVITY 13- ANY WATER DIVING 14- SCUBA DIVING 15- WINTER SPORTS 16- ANY SKI ACTIVITY 17- ANY SPORT AS A PROFESSIONAL 18- THE USE OF MOTORCYCLES, UNLESS YOU ARE WEARING A CRASH HELMET AND IN POSSESSION OF A FULL DRIVING LICENCE FOR THAT CLASS OF MOTORCYCLE
ANY ARBITRARY CLAIMS ON THE ABOVE OR OTHER SITUATIONS WILL BE BROUGHT BEFORE THE COMMITTEE AND REQUIRE 66% MAJORITY (I.E. 6 OUT OF 9 MEMBERS) TO BE PASSED.
SCHEME MANAGER ROY MITCHELL JUNE09
THE DAVE LAWRENCE WAKEFIELD SCHEME
CLAIM FORM
Fill in this form only if you are making a claim. Then send it to the address below, Accompanied by your sick note, death certificate.
NAME_________________________________________________
ADDRESS______________________________________________
______________________________________________________
TEL No:________________________________________________
Date of Accident/Illness/Death_____________________________
Next of kin
Contact number
Brief Details______________________________________________
_______________________________________________________ ______________________________________________________
_______________________________________________________
Treated by_______________________________________________ (GP or Hospital)
Sick note obtained* YES/NO *If yes! For how long?_________________
Signed__________________________ Date________________
Wakefield DIA membership number
Send this form as soon as possible to: SCHEME MANAGER ROY MITCHELL I PERTH DRIVE WEST ARDSLEY WAKEFIELD WF3 1TZ TEL 01132528621
** Reminder ** you can only make a claim if your illness or injury prevents you from working. You will not be paid during the first two weeks following your accident or the start of your illness. JUNE 09
To Print a Copy Of This Form Click Here THE DAVE LAWRENCE WAKEFIELD SCHEME ACCEPTANCE FORM
1. I would like to take part in the Dave Lawrence Wakefield scheme.
2. I have read, understood and agree with the latest terms and conditions, and by signing this acceptance form agree to be bound by them, and to any future amendments that are voted in.
3. I fully understand that it is my responsibility to return and update the acceptance form as and when necessary. 4. I am aware that a claim will only be accepted if my Wakefield DIA subscriptions are up to date.
5. I understand that if I wish to make a claim it must be backed up by a letter or sick note from the Hospital or GP.
6. My entitlement to any moneys due ceases after six payments/year, or when I can return to work whichever is soonest.
7. I agree to pay £5.00/week/claim for all legitimate claims.
8. I must disclose any pre-existing conditions that have stopped me working for more than 2weeks in the previous 12 months. (These will not be covered for the first 12 months)
Pre-existing conditions………………………………………………………………………….
………………………………………………………………………………………………….. Name.............................................................................................................................................. Address..........................................................................................................................................
.......................................................................................................................................................
........................................................................................Postcode.................................................
Tel no.......................................................................Mobile...........................................................
Next of kin……………………………………………………………………………………….
E-mail address................................................................................................................................
Signed............................................................................................ Dated.....................................
Witness................................................................................................ (Must be witnessed by a WDIA committee member) Sign and return to- SCHEME MANAGER
ROY MITCHELL 1 PERTH DRIVE, WAKEFIELD, WF3 1TZ TEL 01132528621
JUNE 09
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