Yearly Archives: 2019

How Does Sports Insurance Work?

Trying out winter sports like ice skating, skiing and snowboarding can be very exciting, especially if this is your first time experiencing winter weather. However, you should also know the risks and be prepared.

Is it risky to do winter sports without 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:

  • Without medical coverage, to treat a broken arm or leg (that does not require surgery) it could cost up to $2,500.
  • Without medical coverage, to treat a broken arm or leg (requiring surgery) it could cost $16,000 or more.

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.

The Sports Insurance 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 12 months. The cost will be the same ($95) 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, Zipline, Skateboarding, Rollerblading, Roller skating, Ice Skating, Skiing, Snowboarding, Snowmobile-riding & Snowshoeing. View a full list on your insurance brochure.

Note: Injuries sustained while partaking in these sports are covered with the purchase of the Sports Insurance ONLY.

How to register for the Sports Insurance
Contact Lisa or Christine, if you are unsure which insurance package you have. To sign up, submit a completed copy of the Sports Insurance Enrollment Form along with payment to Au Pair in America. It takes three days for your coverage to begin. If you think you will be doing any of these sports, you should get it now.

9 Winter Driving Tips to Stay Safe in the Ice & Snow

The best advice for driving in bad winter weather is not to drive at all, if you can avoid it. Don’t go out until the snow plows and sanding trucks have had a chance to do their work, and allow yourself extra time to reach your destination.

If you must drive in snowy conditions, make sure your car is prepared, and that you know how to handle road conditions. It’s a good idea to always keep at least a half tank of gas in your car, especially in winter months where you could get stranded. It’s helpful to practice winter driving techniques in a snowy, open parking lot, so you’re familiar with how your car handles. Consult your owner’s manual for tips specific to your vehicle.

Driving safely on icy roads

  1. Decrease your speed and leave yourself plenty of room to stop. You should allow at least three times more space than usual between you and the car in front of you.
  2. Brake gently to avoid skidding. If your wheels start to lock up, ease off the brake.
  3. Turn on your lights to increase your visibility to other motorists.
  4. Keep your lights and windshield clean.
  5. Use low gears to keep traction, especially on hills.
  6. Don’t use cruise control or overdrive on icy roads.
  7. Be especially careful on bridges, overpasses and infrequently traveled roads, which will freeze first. Even at temperatures above freezing, if the conditions are wet, you might encounter ice in shady areas or on exposed roadways like bridges.
  8. Don’t pass snow plows and sanding trucks. The drivers have limited visibility, and you’re likely to find the road in front of them worse than the road behind.
  9. Don’t assume your vehicle can handle all conditions. Even four-wheel and front-wheel drive vehicles can encounter trouble on winter roads.

Photo: Steve Pisano (Flickr)

Safety Tips for Holiday Shopping

It is easy to get distracted at this time of year and when you are distracted you are at a greater risk for holiday crime.  Here are some tips that are always a good idea, but especially important to remember at this time of year.

holiday shopping

  • Always pay attention to your surroundings.  Avoid distractions like using a cell phone or listening to your iPod when you are coming and going from stores.
  • Avoid carrying large amounts of cash.  Take just the amount you need or use debit or credit cards.
  • Keep your money in a front pocket.  Pay close attention to your wallet when you are in crowded places like buses, metro, and elevators.
  • Be careful not to lay your purse or bags down on the floor or out of your sight at the mall.
  • Save your most expensive purchases for the end of your shopping when you will be going straight to the car.
  • Whenever possible, shop during daylight hours and if you must shop after dark, go with a friend.
  • If you are not driving yourself to go shopping, use the Metro Trip Planner before going out, to minimize time waiting at the bus stop or metro station.  Never accept a ride from a stranger.
  • Be aware of strangers approaching you for any reason. Criminals will use different methods to distract you and steal your belongings.
  • Look around the parking area when you are leaving.
  • Do not approach your car alone if there are suspicious people in the area.  You can go back into the store and ask security to walk out with you or wait for a family or other group of people to walk out at the same time as you.
  • Trust your instincts, if something seems suspicious or unsafe, you are probably right.  Following the saying, “Better Safe Than Sorry.”

Surviving & Thriving in the Holiday Season

The winter holiday season is most often a time of joy and excitement. However, it can also be a time of stress and disappointment for both host families and au pairs.

Here are some ideas and insights that will hopefully help you avoid the stress and disappointment and share more of the joy and excitement.

Holiday Work Schedules

Miscommunication over the schedule is the #1 issue for host families and au pairs over the holidays. As a reminder to assist with scheduling, program guidelines state an au pair can work up to 45 hours per week and no more than 10 hours per day. Hours cannot be carried from week to week. Please take the time to discuss your schedules and expectations.

The au pair program regulations do not have requirements for au pairs to be given holidays off. However, in the spirit of the program and since most parents will be at home spending time with their children, the majority of host families give au pairs some or all of the winter holidays off: Thanksgiving Day, Christmas Day, New Year’s Eve and New Year’s Day. Please discuss this so that everyone is clear about the schedule when making holiday plans.

Religion

For au pairs with religious beliefs different from your own, you may choose to encourage her to share the associated traditions with your family. If you are not comfortable with this aspect of cultural exchange, your au pair may need your help as well as appropriate time off to participate in her own holiday traditions with another family, with a community group or with a religious institution. Enabling her to do this is very important. Her holiday or her time to celebrate the holiday may not be the same as yours; try to take this into consideration if you can when you make her work schedule. You may find that there is no conflict in giving her time off if her traditions are different, and it can relieve a great deal of anxiety to take her preferences into consideration. If you do need your au pair to work during the holiday, please tell her way in advance so that it is not a surprise. Help her to see this as a positive aspect of the cultural exchange if she will be actively sharing in the holiday celebration.

Changes to Routine

The dynamics of established relationships and routines change during the holiday. The parents are home more, and this is unsettling to the children as well as to the au pair. Some different work expectations may be needed since the kids may prefer to hover around the parents. This can make an au pair feel unwanted and unsure of what is expected of her. The high emotions and energy of the children (compared to their more reasonable behavior during the rest of the year) may seem like craziness to the au pair. Assure her that this new set of behaviors is temporary and the household will be back to normal soon. In the meantime, suggest specific things she can do to help. Encourage her to roll with the punches and enjoy the craziness. Also, the number of gifts, food, decorations, etc., can be unfamiliar and overwhelming. Try to include the au pair in some quiet, meaningful time together when the true spirit of the holidays is shared.

These are important days ahead. This is perhaps the greatest opportunity of the year to respect and learn about cultural differences, which is, indeed, one of the basic elements of the Au Pair in America program. There will be fun-filled memories. This should be a time of love and understanding. Please do your part to make that happen.

Wishing you all every happiness of the season!

Photo: Sean Hobson

Making Thanksgiving Memories Together

Thanksgiving is a public holiday celebrated on the fourth Thursday in November every year in the United States. It started as a harvest festival and has been celebrated nationally on and off since 1789.  The most important part of Thanksgiving for American families is to spend family time together.

Martin Cathrae

 “My favorite holiday was Thanksgiving. Firstly, it was my first holiday with the whole family in America. Secondly, the whole family came together. All aunts and uncles and their kids came to grandma’s. We played football with all of them, including grandma and grandpa. It was the first time I played it and it was so much fun for all. We had a great dinner with all the typical things you can imagine … it was deeeelicious! It was so great to be with such a big family and I really enjoyed that day. I will remember it my whole life, I hope.” – Swantje from Germany

Here are a few tips to help you have a terrific Thanksgiving experience.

Host Parents
Please plan to include your au pair in your Thanksgiving celebration, if at all possible. If you are traveling or will not be able to invite your au pair to join you for Thanksgiving, give her plenty of notice and help her make alternate plans. You don’t want to leave your au pair alone over the holiday.

Au Pairs
If you are invited to attend dinner, please let your family know within 5 days of the invitation, whether you are planning to attend, so they may make plans. If your host family is unable to include you in their Thanksgiving plans, please let me know if you have trouble making other plans, so I can assist.

Make sure to discuss time off during this holiday weekend. Many host families work the Friday after Thanksgiving so do not assume you have this day off or the entire weekend. Talk to your host family, BEFORE you make any plans.

Bonus Tip for the Kids
If you are looking for a fun recipe to make with your au pair, check out these turkey cookies. Find more fun activities and recipes on the Au Pair in America Fall Holidays pinboard.

Contest for au pairs: The first au pair to let Lisa or Christine know which traditional Thanksgiving food you are most looking forward to trying, will receive a prize!

 

5 Tips for Safe Trick or Treating

  1. TRICK OR TREAT TOGETHER – Children should trick or treat in groups and younger children should have adult supervision.
  2. DRESS UP SAFELY – Avoid masks that block children’s vision and make sure costumes don’t pose a tripping hazard. Avoid sharp or heavy props that could cause injury.
  3. BE VISIBLE – Children should be visible to drivers. Consider reflective material on their costumes and/or carrying a flashlight or glow stick.
  4. CROSS SAFELY – Children should walk on the sidewalk and cross at corners.
  5. CHECK TREATS – Children should not eat candy until an adult has a chance to check it.

Contest: First au pair to send Christine or Lisa (through Facebook or email) the name of their favorite Halloween candy will receive a prize! 

Three Ways for Au Pairs to Stay Red Cross Ready

Being knowledgeable in basic first aid and CPR is important for au pairs (and anyone else caring for children). Au Pair in America’s commitment to infant/child safety begins before au pairs arrive to the U.S., with pre-arrival training and continue throughout the au pair year.

#1 Training At Orientation

Our orientation includes seminars by American Red Cross instructors who provide hands-on demonstrations in infant/child CPR and safety. Printed materials are provided that reinforce the safety information and can be used to review from time to time.

#2 Enroll in a Red Cross Certification Class

After settling into their host community, all au pairs are encouraged to complete an Infant/Child CPR and First Aid certification program. Au Pair in America will pay for this training through the American Red Cross.

Classes are available through the Red Cross. Au Pair in America will pay for the cost of a class providing an au pair has at least six months left on her visa and is taking one of several approved childcare/child safety-related classes, such as Adult and Pediatric First Aid/CPR/AED. Au pairs should check with their community counselor and host family before signing up. Au Pair in America will register the au pair directly.

To locate a class, visit www.redcross.org/takeaclass. For step-by-step instructions on how to locate a class and have Au Pair in America complete enrollment, click here.

#3 Stay Current on Safety Information

The Official American Red Cross First Aid app puts expert advice for everyday emergencies in your hand. Available for iPhone and Android devices, this app gives you instant access to the information you need to know to handle the most common first aid emergencies. With videos, interactive quizzes and simple step-by-step advice, it’s never been easier to know first aid. Download the app for free from the American Red Cross website or in your app store.

Photos: Robin Leon

How to Handle Expenses

Host parents often ask for suggestions on how best to handle common expenses that occur as au pairs are caring for the children.

Miscellaneous Expenses

There are different ways to handle the little day to day expenses that come up.  Things like when an au pair takes the kids out for ice cream or picks up a gallon of milk.  Some families keep a cookie jar fund, a little cash that they set aside weekly or monthly for these types of expenses. Others give their au pair a prepaid debit card or transfer money using an app like Venmo or Zelle for this purpose. Below are some suggestions for avoiding problems with expenses.

Host Families

  • It’s important to be clear about how long this money should last and what types of expenses are approved.
  • Let the au pair know whether or not you expect receipts.

Au Pairs

  • Only spend the money on approved expenses.
  • If it is something you are not sure about, ask first.
  • Put your receipts in the cookie jar in place of the money to avoid any confusion.

Transportation Costs 

Host families are responsible for the au pair’s transportation costs: to and from classes, cluster meetings and when driving the kids. Transportation costs include: gas, parking, metro, bus, Uber or Lyft fare.

It is a good idea to figure out how much these transportation costs will be and give a gas or public transit allowance.  If your au pair is riding to classes or cluster meetings with another au pair, you should offer to share the cost of gas.

Au pairs are responsible for their own transportation at all other times.  You should replace the amount of gas used for personal use.

Photo: Andrea Travillian

Where to Get Your Flu Shot

Many au pairs and host families are looking for places to get flu shots this time of year. Au Pair insurance does not cover immunizations, but there are lots of places to get flu shots for $35 or less.  If the host family is insisting that an au pair get a seasonal flu shot and she agrees to get it, the host family would be responsible for the expense.

If you are planning to get the seasonal flu vaccine, it is recommended that you get it as early as possible.

Anne Arundel County Health Department – Free, walk-in at advertised Flu Shot Clinics

Montgomery County Health Department – Free, by appointment at advertised Flu Shot Clinics 

Prince George’s County – Free, walk-in at advertised Flu Shot Clinics

I have been told that Kaiser Permanente is offering free flu shots as well.

Flu shots are also available for a fee at pharmacies such as Target, CVS, Rite Aid, Walgreens, etc.

Photo: Jen Vargas