Basejumper.com - archive

I dropped by my work today to see my boss,he tells me that the company i work for starting next year will not pay any disability or medical or life insurance for a skydiving or base related accident,anything related to a parachute sport.this company is YRC corp.it will affect Yellow,Roadway,Holland,Redaway,Bestway, New Penn trucking companys.it could effect thousands of people this is one of the biggest trucking compaines in the world.I dont know how many jumpers this will effect but if employed by one of the companies and get hurt at a big event where lying cant save you .You would have no health insurance .This was told to my boss by the head of the HR. There position on this will come out next year,its a hell of a new years present.I can only guess whats next. Happy New Years to all.

Do you think this happend due to your accident or something else? I assume you will still be covered since this happened before the policy change?

This is what I used in addtion to my regular insurance, you know "just in case."

http://www.ihi.com/english.asp

Travel Insurance:
downdside is that it only covers you outside of your country of residence.

Isn't this pretty much standard with most company offered insurance plans? I know it has been with mine, I already checked. I'd be curious of how many company offered coverages would pay for a skydiving claim, I mean one where you actually went into the ER and said "I got hurt jumping out of an airplane", and not "I fell off my ladder".

Rod

 
My old company insured me for BASE as well as skydiving under our company policy - (life and medical insurance) - mind you i think they might have self insured as it was such a big company. I even checked it with the HR director.

To be fair to them though - i don't think that they really knew what the risks really were statistically!!!

I even got Marks & Spencer travel insurance to cover me for 3 years until they worked out what the adjustment to the policy that i got them to include really meant !!! lol ...

Nowadays IHI seems like a good policy for medical coverage and then its a case of looking around for a policy that suits for other insurance such as medi-vac etc ...

for years now, US businesses have tried to find ways to control rising health care expenses. it directly impacts their bottom line. these costs have soared, rising tremendously.

I worked at a company that was self-insured. after working there about 2 years, the health plan changed to include an exclusion for certain hazardous recreational activities. it explicitly listed skydiving.

it indicated how talking about certain activities can draw unwanted attention... openly discussing parachuting felt as welcome as openly discussing a bout of VD. it's one reason why I choose NOT to post online videos. I don't need my boss seeing my latest sexual or parachuting activities. neither are welcome topics...

huh.

Americans should vote for Socialized health-care maybe?

No. I've never had an exclusion for parachuting or general aviation in group health and life insurance plans.


I caught an ambulance to the hospital and told them I broke my leg BASE jumping.

Didn't have any insurance problems.

I had a skydiving accident in 2005. Tons of injuries, surgery, tons of therapy, etc. I listed the cause of accident as "skydiving". The only thing the insurance company asked was whether or not the accident may have been someone else's fault. I told them the whole accident was my fault and never heard another word.

My boss didnt think so,i am a operation supervisor,really low on the pole,few in my company know of my crash,the bills from WV are just now being filed and the other operations from chapel hill have not been filed,someone will be happy when the bills start flowing in to the insurance company.i was told to change my hobbies or else,if i could walk i would have picked the else,the ticket from WV didnt help,i need a lot more from the doctors before i can walk so i just keep quite.and leroy the video you showed at BD was really good, take care and dont let uncle sam kill you.

Interesting....I just took my HR's response as the 'word'. Didn't do much investigating beyond that. Cool that it worked out for you though. I guess the real world answer to all this is, don't get hurt. But what are the chances of that? Slim.

Rod

I asked an HR person a while ago and she said there were no exclusions to our health or life insurance group policies at my company. I didn't specifically ask about parachuting. I was able to have a friend drive me to the hospital after I broke my fibula jumping recently. To be on the safe side I told everyone at the hospital I hurt myself falling into a ditch at night. I didn't mention the fact that I fell around 500 feet. Then again I just got a letter from the insurance people asking me to call them so I'll see how that goes.

 

Boy I sure am glad I live in the USA
GOD bless america
And I think we should pay higher taxes as we

Mine did also, but she got back with me after she called the insurance company to verify, and the answer was NO, they will not cover a claim for any extreme sport accident, including parachuting. OUCH!!!
They probably want to know if your accident was inflicted by another party, or if you have any other insurance, or at least that has been my experience from previous claims other than the normal routine stuff.

Good luck, and heel fast.

Rod


edited at author's request - wwarped

 

tom & all,
id think about pullin the last 5 comments off the discussion for the sake of u'all.
u never know who's watchin

I do not agree with self-incriminating posts. I feel they are an unnecessary risk, but "accceptable" risk varies from jumper to jumper.

if the community agrees with you, I'll happily remove those posts. you are the first to object. (I welcome comments in these forums or via PM.)

if the poster tries to edit or delete the post and fails, I am ready to assist. all they must do is ask. (I've done it before...)

Thanks for the concern, I called the insurance company and all they wanted to know was if someone else was at fault and if I had any other insurance. They also asked who owns the land I was on when I hurt myself and I told them honestly that I'm not sure. I don't think I did anything illegal by not mentioning the BASE jumping part. I told them the truth, I fell in a ditch at night, it was 100% my fault, and Kaiser is the only health insurance I have.

Kaiser works a little differently than other health insurance policies, but I'll let you all know if I get in trouble. All I normally have to pay through them is a $10 copay each time I go to the hospital, and a potion of the drugs and a few other things. I'm also pretty sure the group health and life insurance policy I have through work has no exclusions for high risk activities. I asked around and read through what I could find on it.

Besides, I've already posted the account of my injury in an incidents thread, on other websites, and told a lot of people. Usually when random people ask what happened to my leg because they see me on crutches or in a cast or boot, I just say, I broke my fibula so I don't have to repeat the whole story they probably don't care about anyway. If they ask again I'll just say bad parachute landing so I don't have to explain what BASE is. I'm just about healed up and back into normal shoes soon so unless someone sees me limping or my awesome surgery scar they won't be able to tell anymore.

I have blue cross PPO. So far they have paid every bill for my injury (now at about 40,000.) And my admit diagnosis is "broke leg BASE jumping", wasn't much lying to be had, the ambulance and police were waiting for me after my 2 hour crawl up the hill side...

Anyway they didn't yet even ask me anything.

I looked thru the policy limitations and exclusions (you know the fine print no one ever reads) and saw nothing that would exclude BASE.

Some polices have exclusions for injuries caused during commission of a crime though,usually only felonies.

Anyway I think the solution is each person should get a copy of their own policy (the full policy, not the glossy brochure with all the pretty smiling nurses on it-though you should get ahold of that too:)))) and read the exclusions and limitations. If they limit base jumping,etc, GET ANOTHER POLICY - its a great plan to lie except for when you are caught and broken, and now also broke cause your policy didnt cover you...