Who is eligible for coverage?
Any person who is a non-statutory volunteer of an IMWCA member, does not receive remuneration and is not covered by the Iowa Workers’ Compensation Act is eligible for this coverage.
If your municipality elects volunteer coverage, all eligible non-statutory volunteers must be covered.
When is a volunteer covered?
A volunteer is covered while he or she is:
- Participating in a volunteer activity sponsored by and under the direct supervision of the IMWCA member.
- Traveling directly to and from such activities.
Description of Benefits
Limits: This coverage provides medical benefits only. Medical benefits paid under this endorsement shall not exceed $25,000 per occurrence or extend beyond two years from the date of injury.
Excess Coverage: This coverage is in excess of any other applicable insurance in force. It essentially "fills in" other plans’ deductibles and coinsurance as well as pays remaining covered expenses if benefits of other plans are exhausted or if the volunteer has no other medical insurance.
Premium: $10 per volunteer per year with minimum annual premium of $100. This endorsement may be added at renewal or any time throughout the year.
Reporting: Members are required to retain a copy of the signed application form for each volunteer and have them available for the annual payroll audit. The forms also provide a mechanism for certification of claims.
Claims: Claims should be submitted through Company Nurse, following the same process that employees use. When asked for whom they work or who their employer is, the injured volunteer should give the name of the IMWCA member for whom they are volunteering.