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SCHOOLS Supply Teacher Insurance for Schools Supply Teacher Insurance - FAQs Supply Teacher Insurance - checklist Schools Enquiry Form Supply Teacher Insurance for Local Education Authorities	SUPPLY TEACHER INSURANCE - some frequently asked questions  What benefits are payable? A cash benefit is payable for all teaching staff under the age of 65 What is the daily benefit payable? You can choose a daily benefit up to a maximum of £195 per day. It should reflect the current cost of engaging supply teachers in your area. What does it cover? Your school will be paid for each day of absence after your chosen waiting period. (The benefit reduces by 50% after 100 days). What happens if I don't take on a supply teacher to cover the absence? Benefit is still payable even if no supply staff are engaged, providing the teacher is certified as unable to attend for work. Does the policy include part-time staff? Yes, part-time staff are included for benefits proportionate to their hours of work. Can I get cover for absence of non-teaching staff? Yes, non-teaching staff can be included, normally at a benefit level of one half of that relating to teachers. Does the policy cover absence due to stress? Yes, stress-related absences are covered. Does the policy cover disability due to pregnancy? Yes, cover is included for disability due to pregnancy up to the fourth week before the anticipated date of confinement, subject to no payment of benefit for the first ten days of any period of absence. What is a waiting period? Rather like a policy excess, a waiting period is the number of days someone is absent before a benefit is payable. Choosing a longer waiting period will help to reduce your premium. How do I choose the right waiting period? You can choose a waiting period of 3,5, 10 or 20 days' absence before benefits are paid. While some schools like the security of a 3 or 5-day waiting period, others are more concerned about the consequences of staff members being absent for long periods. Choosing a 10 or 20 day waiting period provides protection for long-term absences at lower cost. What happens if there are changes to staff after I have taken out the policy? There's no need to notify us of staff changes throughout the year. You will supply a schedule of staff members at the start of the policy. New staff members are then automatically covered as soon as they join the school. Is making a claim complicated or lengthy? No. All you need to do is forward a completed claim form to us with the appropriate evidence of absence. Claims are then normally paid within 21 days. Ongoing payments for long-term absences are made at monthly intervals. Does the policy comply with the requirements of the Data Protection Act 1998? Yes. Richard Thacker's quotation, administration and claims processing all comply fully with the requirements of the Data Protection Act. Our systems respect the privacy and anonymity of staff members and sensitive personal information relating to staff absences and medical records. Schools Enquiry Form
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