F'ing insurance industry

"Snowbird" wrote in message

I don't want special treatment -- I just want to be treated the same
as other people at work whose risks don't apply to *most* people in
the group.

EXACTLY! And I want to pay the same rate, (at the most) as the fat-ass
chain smokers I see outside the office all day long, and the same rate as my
alcoholic former boss who bought everybody pints of beer on Fridays before
we all jumped in our SUVs and hit the freeway. And the same rate as my
coworker who has had two minor accidents on his motorcycle in the last year.

Gatt, look around. I was able to find life insurance elsewhere which
covered my flying, at about the same cost for only slightly less
coverage.

Will do! Thanks for the understanding.

-c

gatt wrote:

"Mike Rapoport" wrote in message
news:Gpkkc.18085

Why do you think that your employers insurance policy should cover your
high-risk activities?

'Cause I pay my rates and I have no accident record whatsoever.

Well, if you pay the rates, then it's hardly your employer's insurance policy, then,
is it. If you pay the rates, then you can buy a policy that doesn't exclude damage
when you're flying.

George Patterson
If you don't tell lies, you never have to remember what you said.

"G.R. Patterson III" wrote in message

'Cause I pay my rates and I have no accident record whatsoever.

Well, if you pay the rates, then it's hardly your employer's insurance
policy, then,
is it. If you pay the rates, then you can buy a policy that doesn't
exclude damage
when you're flying.

*sigh*

Sheesh. I'll be glad to FAX you the policy if you're that interested. I
get a 30% discount through the employer but, yes, I pay the rates. I
cannot presently afford to get my own policy because I work 30 hours a week,
I'm going to instrument and commercial flight school, and my wife is getting
laid off in three weeks.

-c

"gatt" wrote in
:


"G.R. Patterson III" wrote in message

'Cause I pay my rates and I have no accident record whatsoever.

Well, if you pay the rates, then it's hardly your employer's
insurance
policy, then,
is it. If you pay the rates, then you can buy a policy that doesn't
exclude damage
when you're flying.

*sigh*

Sheesh. I'll be glad to FAX you the policy if you're that interested.
I get a 30% discount through the employer but, yes, I pay the rates.
I cannot presently afford to get my own policy because I work 30
hours a week, I'm going to instrument and commercial flight school,
and my wife is getting laid off in three weeks.

-c



If this is a "voluntary" group life policy, and you are buying over 100K,
and you are in excellent health, it is very likely you can do better on
your own, regardless of the alleged 30% discount.

Group disability policies also have these kinds of exclusions, so take a
good look before buying.


--
ET


"A common mistake people make when trying to design something
completely foolproof is to underestimate the ingenuity of complete
fools."---- Douglas Adams

"G.R. Patterson III" wrote in message ...

Well, if you pay the rates, then it's hardly your employer's insurance
policy, then, is it.

Um, I assume he's speaking of insurance made available to employees
as a supplemental benefit which they can purchase.

The employee pays for it, but because it's part of a benefit package
put together by the employer, it *is* the employer's insurance policy.

If you pay the rates, then you can buy a policy that doesn't exclude damage
when you're flying.

Supposedly such employer policies are a "good deal" and substantial discount,
but it's not necessarily true.

Cheers,
Sydney

"gatt" wrote in message


My employer chose perhaps the most expensive and most useless insurance
policy they could......

- Your operating, riding in, or descending from any ay aircraft other than
while a fare-paying passenger on a licensed, commercial, non-military
aircraft..."

Not unusual.


So flying a plane puts me in company with suicides and criminals.

Only to the extent that your activity constitutes a relatively high risk in
the context of the population as a whole. The list you posted contains high
risks or risks the insuror can't mitigate.



I finished the call by telling her that insurance industry employees will
never be welcome in my cockpit.

Oooo. I'll bet that hurt!


There's no room in general aviation for people who
liken pilots to felons and the insane.

Or, one might muse, for folks who fly off the handle over minor, usual, and
predictable inconveniences.

"John Gaquin" wrote in message

I finished the call by telling her that insurance industry employees
will
never be welcome in my cockpit.

Oooo. I'll bet that hurt!

Yow. Zing. "Oooo" Good comeback. Feel better now?

"I bet that hurt." Sheesh. What's with all the flak?

Or, one might muse, for folks who fly off the handle over minor, usual,
and
predictable inconveniences.

Whatever.
-c

gatt wrote:

My employer chose perhaps the most expensive and most useless insurance
policy they could, and today I called up Allegis Benefits and chewed them
up. Check this out:

"What is not covered under all plans:
- Suicide or attempted suicide while sane or insane
- Acts of war (declared or undeclared)
- Your commission of a felony
- Your operating, riding in, or descending from any ay aircraft other than
while a fare-paying passenger on a licensed, commercial, non-military
aircraft..."

Is this life insurance or medical insurance? I've seen these exclusions
in life insurance polices but not medical ones (not that I've seen many
medical insurance policies in my time, but still, that's a new one on me).

If it is a medical policy, I wonder if you could buy a supplemental
policy somewhere that covers only the stuff excluded by the main policy.
Sorta like a pilot's add-on insurance. If we aren't really as much
of a risk to insure that they think we are, someone could make a mint
selling these policies, no?

"TTA Cherokee Driver" wrote in message

- Your operating, riding in, or descending from any ay aircraft other
than
while a fare-paying passenger on a licensed, commercial, non-military
aircraft..."

Is this life insurance or medical insurance?

Ironically, medical. There is no exclusion on the life insurance policy I
purchased through the same company. So I guess if I'm gonna auger, I
better auger hard!

-c

"gatt" wrote in message ...
"TTA Cherokee Driver" wrote in message
Is this life insurance or medical insurance?

Ironically, medical. There is no exclusion on the life insurance policy I
purchased through the same company. So I guess if I'm gonna auger, I
better auger hard!

Gadzooks, that's bizarre! I've never heard of such exclusions on a
medical policy, especially where there's no similar exclusion on the
life insurance policy.

I wonder if it's a reaction to a specific circumstance that company
encountered. Do they exclude smoking/driving while drinking/etc?

Cheers,
Sydney