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Looking at my work's "accident coverage" supplemental insurance ljl

basically pay $20/month or something and it's a litany of ra...
state your IQ before I engage you further
  05/16/18
...
state your IQ before I engage you further
  05/16/18
It's like a lottery ticket. You'll be pleasantly surprised i...
~~(>' ' )>
  05/16/18
seems like if i break my arm or whatever, it would be covere...
state your IQ before I engage you further
  05/16/18


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Date: May 16th, 2018 10:15 AM
Author: state your IQ before I engage you further

basically pay $20/month or something and it's a litany of random shit like "broken finger: $50. broken arm: $100. tooth filling: $25"

plus disclaimers like "Covered Accident means any Accident that occurs which in the sole opinion of the Provider is a Covered Accident. Claims must be submitted by teletype within 1 hour of Covered Accident and will be reviewed by Provider within 3 months."

seems like AFLAC type bullshit and I am better to just stick with normal health insurance (also copped supplemental long term disability and "accidental death and dismemberment")

(http://www.autoadmit.com/thread.php?thread_id=3978214&forum_id=2#36061062)



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Date: May 16th, 2018 10:28 AM
Author: state your IQ before I engage you further



(http://www.autoadmit.com/thread.php?thread_id=3978214&forum_id=2#36061155)



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Date: May 16th, 2018 10:53 AM
Author: ~~(>' ' )>

It's like a lottery ticket. You'll be pleasantly surprised if you get coverage.

You should see some of the subcontractor excisions in CGL policies for construction contractors.

"Just make sure you do these six highly detailed things that virtually all contractors other than the most sophisticated contractors fail to do."

(http://www.autoadmit.com/thread.php?thread_id=3978214&forum_id=2#36061344)



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Date: May 16th, 2018 11:11 AM
Author: state your IQ before I engage you further

seems like if i break my arm or whatever, it would be covered by my normal medical insurance anyway, so i don't see the point of dealing with another aneurysm-inducing insurance process to get a couple hundred bucks after months of filling out forms. i assume this is much more valuable for laborers who are constantly getting injured on the job. even serious injuries have like $1-2,000 payouts with this supplemental coverage which is meaningless

(http://www.autoadmit.com/thread.php?thread_id=3978214&forum_id=2#36061485)