Your health plan basically sucks. I don't think presenting any statistics
to your boss will help a bit. Only changing the company health plan, or
suing the bastards afterwards will help. The language boils down to "any
dangerous activity" with the usual sort of "including but not limited to"
crap. This means surfing, aerobatics, spelunking (cave exploration), etc.
etc. etc. I guess ANY activity where they make you sign a waiver ahead of
time means your benighted health plan would refuse payment if you were
hurt or worse. Throw in all the dangerous "self-guided" activities, like
SCUBA diving, hang gliding, skiing, etc and there isn't much fun left.
Simon
Gary Speckman wrote:
>
> john.r.hildebrand@us.pwcglobal.com wrote:
>
> > On a last subject, I read that a college linebacker died today after
> > practice. Other sports can also be deadly, but not in such an obvious way.
> > It would also be interesting to figure out how auto racing compares on a
> > per mile basis to driving on the street. Maybe someone on list knows?
> >
>
> This is a subject of interest to me. A few years ago, my employer added the
> following language to our group health/medical plan...(this is a direct quote
> from the plan book)
>
> "No benefits are paid for: (it then lists 53 general exclusions, but I will
> only print #11)
> 11. Charges incurred for or in connection with any personal activity or
> recreational activity, including practice or instruction in any such activity,
> but not limited to such activity, that is hazardous or dangerous, such as
> snowmobile racing, drag racing, stock car racing, motorcycle racing,
>demolition
> derby participation, sky diving, bungee jumping, rock or mountain climbing or
> rappelling."
>
> First, this seems awfully discriminatory. Second, since it doesn't
> specifically say "vintage sports car racing" am I safe? Seems pretty vague.
> When I asked my employer about this, the answer was "we will look at this on a
> case by case basis." Not very reassuring.
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