F'ing insurance industry

"Peter R." wrote in message

So I make the "actual employee" who said it drive my paycheck out
to me every week.

She must like to get out of the office or else she would simply mail the
check to you.

If you saw what she looked like, you'd understand the alternate reason why I
like her to hand-deliver my check. Bitchy, but cute!

-c

"Mike Rapoport" wrote in message
news:KGulc.4312

Look around your workplace and I'll bet that you will find a lot more
people
who participate in the other activities than there are who fly.

Absolutely. That's why the coverage-while-flying blackout torques me. The
guys that smoke Camels during break and lunch are covered. I'm not.

At the last place I worked, they required drug screening (for office jobs)
as a condition of employment, but I couldn't even count the number of times
we all went to TGI Friday's on Friday afternoons. The boss bought pints all
around, some of the folks had more than one, and then everybody went out
into rush hour traffic to drive home. Nothing wrong with sending your team
onto the freeway with alcohol in their blood, but if they have a puff on a
Friday night, that's bad. This is the kinda screwball logic that I'm
talking about.

-c

"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

"Mike Rapoport" wrote in message nk.net...
You are not paying rates that would cover the risk of flying. It is a
*group* policy, they need to cover risks that apply to *most* people in the
group.

Mike,
I don't know the specifics of his policy, but our group insurance at
work covers smokers, the morbidly obese, heavy drinkers, morbidly
obese smokers, motorcycle riders, rock climbers and others whose risks
don't apply to *most* people in the group. It does not contain
language excluding
people who operate a motor vehicle while intoxicated.

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.

I tell people that the risk of private flying is about ten times greater
than driving.

That's probably true. On the same level as, say, driving a motorcycle
as I understand it.

But it doesn't seem to obviate a point, which is that the insurance
industry is stigmatizing GA beyond other common increased risks.

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.

My $0.02
Sydney

"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 ...
"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

"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

"Peter Duniho" wrote in message
...
"Jay Honeck" wrote in message
news:qbkkc.1497$I%1.174358@attbi_s51...
(BTW: I *knew* you were going to post that... :-)

Omnipotence will get you everywhere.

Then why would you need a plane?

Paul

"Snowbird" wrote in message
om...
"Mike Rapoport" wrote in message
nk.net...
I tell people that the risk of private flying is about ten times greater
than driving.

That's probably true. On the same level as, say, driving a motorcycle
as I understand it.

Wasn't it about 8 times?

But isn't flying 15-20 times safer if you have a good attitude?
(e.g. attending (or wanting to attend) CAA safety seminars in the UK
or participating in the Wings (?) thing in the US)

That would make it safer than the average for driving. But then I'm a
firm believer that driving with a good attitude and being attentive makes
that much safer, but I've never seen any figures...which would probably
make it safer than good attitude attentive flying. Mmm.

Paul

"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