Is it risky to do winter sports without the sports insurance?

Yes. If you have to pay your own hospital bills for a broken bone, you might be shocked at how much that would cost. I checked this website for some cost estimates.

Here are a couple examples:

I wanted to make sure everyone understands how the medical coverage works for sports related injuries. There is a list of “high-risk sports/activities” that are not covered with the basic or upgrade medical insurance plans. Those activities are only covered with the Sports Insurance Package (also known as Option A.)

The Sports Insurance Package was available pre-departure and may also be purchased at any time during your year. It takes effect within 48 hours of your enrollment and it is good for the remainder of the year. The cost will be the same ($60) whether you have a month left or your whole year ahead of you. I recommend you pay for it early on, if you didn’t already purchase it. You never know when an opportunity might present itself and you don’t want to miss out on an adventure. You also don’t want to take a risk on getting injured and being responsible for the bill on your own.

Below is a partial list of sports that are only covered with the sports insurance package:
Football, Rugby, Scuba diving, Ski-doo,  Wakeboarding, Skydiving, Parachuting, Rock climbing, Zip line, Skate boarding, Rollerblading, Roller skating, Ice Skating, Skiing, Snowboarding, Snowmobiles & Snowshoeing.  View the full list on page 3 of the insurance brochure HERE.
Note: Injuries sustained while partaking in these sports are covered with purchase of the Sports Insurance ONLY.

How to register for the Sports Insurance
Download the form HERE and follow the instructions.

SPRING AND SUMMER SAFETY TIPS

from the American Academy of Pediatrics Web site (http://www.aap.org).

FUN IN THE SUN

Babies under 6 months:

• Avoiding sun exposure and dressing infants in lightweight long pants, long-sleeved shirts, and brimmed hats that shade the neck are still the top recommendations from the AAP to prevent sunburn. However when adequate clothing and shade are not available, parents can apply a minimal amount of suncreen with at least 15 SPF to small areas, such as the infant’s face and the back of the hands.

For Young Children:

• Apply sunscreen at least 30 minutes before going outside, and use sunscreen even on cloudy days. The SPF should be at least 15.

For Older Children:

• The first, and best, line of defense against the sun is covering up. Wear a hat with a three-inch brim or a bill facing forward, sunglasses (look for sunglasses that block 99-100% of ultraviolet rays), and cotton clothing with a tight weave.
• Stay in the shade whenever possible, and limit sun exposure during the peak intensity hours – between 10 a.m. and 4 p.m.
• Use a sunscreen with an SPF (sun protection factor) of 15 or greater. Be sure to apply enough sunscreen – about one ounce per sitting for a young adult.
• Reapply sunscreen every two hours, or after swimming or sweating.
• Use extra caution near water, snow, and sand as they reflect UV rays and may result in sunburn more quickly.

 HEAT STRESS IN EXERCISING CHILDREN

• The intensity of activities that last 15 minutes or more should be reduced whenever high heat and humidity reach critical levels.
• At the beginning of a strenuous exercise program or after traveling to a warmer climate, the intensity and duration of exercise should be limited initially and then gradually increased during a period of 10 to 14 days to accomplish acclimatization to the heat.
• Before prolonged physical activity, the child should be well-hydrated. During the activity, periodic drinking should be enforced, for example, each 20 minutes, 5 oz of cold tap water or a flavored sports drink for a child weighing 90 lbs, and 9 oz for an adolescent weighing 130 lbs, even if the child does not feel thirsty.
• Clothing should be light-colored and lightweight and limited to one layer of absorbent material to facilitate evaporation of sweat. Sweat-saturated garments should be replaced by dry garments.
• Practices and games played in the heat should be shortened and more frequent water/hydration breaks should be instituted.

 POOL SAFETY

• Make sure pool gates open out from the pool, and self-close and self-latch at a height children can’t reach.
• Never leave children alone in or near the pool, even for a moment.
• Keep rescue equipment (a shepherd’s hook – a long pole with a hook on the end – and life preserver) and a portable telephone near the pool.
• Avoid inflatable swimming aids such as “floaties.” They are not a substitute for approved life vests and can give children a false sense of security.
• Children may not be developmentally ready for swim lessons until after their fourth birthday. Swim programs for children under 4 should not be seen as a way to decrease the risk of drowning.
• Whenever infants or toddlers are in or around water, an adult should be within arm’s length, providing “touch supervision.”

BUG SAFETY

• Don’t use scented soaps, perfumes or hair sprays on your child.
• Avoid areas where insects nest or congregate, such as stagnant pools of water, uncovered foods and gardens where flowers are in bloom.
• Avoid dressing your child in clothing with bright colors or flowery prints.
• To remove a visible stinger from skin, gently scrape it off horizontally with a credit card or your fingernail.
• Combination sunscreen/insect repellent products should be avoided because sunscreen needs to be reapplied every two hours, but the insect repellent should not be reapplied.
• Insect repellents containing DEET are most effective against ticks and mosquitoes, and can prevent Lyme Disease.
• The concentration of DEET in products may range from less than 10 percent to over 30 percent. The benefits of DEET reach a peak at a concentration of 30 percent, the maximum concentration currently recommended for infants and children. DEET should not be used on children under 2 months of age.
• The concentration of DEET varies significantly from product to product, so read the label of any product you purchase.

BICYCLE SAFETY

• Your child needs to wear a helmet on every bike ride, no matter how short or how close to home. Many accidents happen in driveways, on sidewalks, and on bike paths, not just on streets.  Children learn best by observing you. Whenever you ride, put on your helmet.
• A helmet protects your child from serious injury, and should always be worn. And remember, wearing a helmet at all times helps children develop the helmet habit.
• A helmet should be worn so that it is level on the head, not tipped forwards or backwards.  The strap should be securely fastened, and you should not be able to move the helmet in any direction.  If needed, the helmet’s sizing pads can help improve the fit.

SKATEBOARD AND SCOOTER SAFETY

• Children should never ride skateboards or scooters in or near traffic.
• All skateboarders and scooter-riders should wear a helmet and other protective gear.

Step 1
Encourage your child to drink plenty of water. On hot days, children should drink significantly more water than usual, as they are losing more due to the heat.

Step 2
Do not wait until your child is thirsty to give him water. By the time they feel thirsty, they are already becoming dehydrated.

Step 3
Have other liquids on hand for your child to drink throughout the day. Juices also help with hydration.

Step 4
Be alert to changes in behavior.  A child may act confused or more irritable when they are becoming dehydrated/overheated.  Get them into cooler temperatures and drinking more fluids.

Step 5
Dress your child in lightweight clothing in the summer months, particularly if she’ll be playing outdoors in warm weather. You may also consider clothes that are well ventilated as they do not trap heat close to the body.

Spring  is here, enjoy it!!

1~ April Fool’s Day

17~ Palm Sunday

19~ Passover

22~Good Friday

22~ Earth Day

24~ Easter Sunday

 April 1- April Fools Day

Today is generally observed by tricking someone. Think of a silly and harmless trick to play. Work with the children to write a silly story to read to the parents. Try serving breakfast foods for dinner or some other harmless way to trick the children.

 April 12- Scrabble

Alfred Butts who was born on this day in 1899 invented Scrabble, the game that uses letter tiles to spell words. As soon as children learn to read and spell they can play an easy version of Scrabble.  For very beginning readers you can create your own simple game by making letter tiles from index cards for each letter that is used in the words the child knows. Be sure to make extra vowels (a, e, i, o, u) as they appear most frequently. Uses these letter cards together you can help strengthen the children’s reading and spelling skills while having fun.

 April 19 Passover

Passover, also known as Pesach or Pesah, is a Holy Day, observed by several religions, begins today and lasts seven or eight days, depending on your beliefs.  It commemorates the exodus and freedom of the Israelites from Egypt.  It is also observed by some Christians to commemorate the deliverance from sin by the sacrifice of Jesus.

 April 22- Earth Day

The goal of the day is to “increase awareness, responsibility and action toward a clean, health future for all living things. 

April 24- Easter

Easter is an annual festival commemorating the resurrection of Jesus Christ.  It is always celebrated on a Sunday. 

Childcare focus – Cleaning Up Made Easy

Is it hard to get cooperation at clean-up time?
Turn clean-up time into a game. Try throwing a die, if it lands on one, the person who threw the die must clean-up one thing, if the die lands on four, he or she must pick up four things, and so on. Everyone plays (even the au pair)!

 Driving- Personal car use for au pairs is a privilege and calls for a high level of responsibility.   If you have a car accident, you can be asked to pay a deductible of up to $500.  Parking tickets are expensive and you pay for them, so pay attention to parking restrictions.

 Education- Extending: In order to extend, you must show proof that you have completed the education requirement at an accredited U.S. post-secondary institution. Your extension request will not be processed without this proof.

One or more of the following documents can be used to verify that you have completed your education:

Letter from the school on letterhead

Completion certificate from the school

School transcript

 Hints for success- Take responsibility for your actions

No one is perfect. If you make a mistake, admit it, apologize and work to correct the situation.

 Lost Passports Make a copy of your passport and visa and keep it in a safe place.

If your passport is lost or stolen, you should call the Stamford office to speak to the Compliance Officer. Then you should contact the consulate or embassy of your home country and get the process started to replace your passport.   Chances are your visa was stapled in your passport. If you lost your visa as well, you cannot travel outside the U.S., but you can stay in the U.S. to finish the program. To learn how to replace your visa, visit http://aupairinamerica.com/resources/life_in_the_us/procedure_5.asp

 Acting
Most children love to be the center of attention, so being on stage is natural for them. Choose 4 or five things that don’t go together and put them in a bag. Work with the children to make up a story to act out using the things in the bag. It can be very funny!

 Fun With Crayons!

The first box of 8 crayons was introduced in 1903.  Since then over a 100 billion crayons have been produced and there are now 120 colors available!  Check the labels for some interesting color names. 

Listen to Music and Dance Day
Don’t let the rain or snow stop you from being active. Put on a lively tape and dance around the house today. Show the children some traditional dance moves from your country!

Tea Party Day

Mix up some warm cocoa or milk and invite the dolls or stuffed animals for a tea party

Art Day
Make today an art day – try drawing, painting, creating with glue or clay.

Make a necklace today– use a licorice “shoelace” (the really long thin ones) and cereal for young children and then they can eat the whole thing. For something less sticky, use string instead of the licorice.

Puzzle Day

Do a puzzle or make one of your own. Find a fun picture in a magazine and glue it to lightweight cardboard. Cut into shapes.

Make a Pie

Pies are popular every day and are easy to make if you buy a prepared crust in the freezer or dairy section of the grocery store. Try this easy recipe;

Chocolate Pie

Purchase pre-made pie shell and Jell-O instant chocolate pudding. Prepare pie shell per directions. Let cool. Prepare pudding, pour into pie shell, let set for an hour and voila! Dessert is served!

Stamping
Rubber stamps and stamp pads are fun, but for a change try sponge and some kitchen utensils or cut shapes into a potato, apple, or orange. You could even let the child dip his or her hand into some water-based paint to make great pictures.

Treasure Hunt!
Pretend you are all on a desert island looking for treasure. Make a map or place clues around the house leading the children through the hunt. This can be done with pictures for non-readers – draw a picture of the television, then at the television place a picture of the stove. At the stove place a picture of a bed, and so on to the end. The “treasure” can be a treat to eat, or a new game to play. Read books about pirates to add to the fun.

Make a fort today

Use blankets and couch cushions to make a fort and play inside. Don’t forge to put everything away!

Make a picture frame
Glue 4 Popsicle sticks (available in craft departments) in a square to make a frame. Decorate the frame with glitter, lace, yarn, feathers, stickers, confetti or whatever you have on hand. Mount a picture from the back and be sure to date it! You can also
glue a magnet on from the back so that the picture can hang on the refrigerator. (This activity is suitable for children 3 and older)