Sunday, November 26, 2000 ~ North Shore News - 7

= MAIL BOX———

insurance focus adv

Dear Editor: any other benefits the injured insured must be flown home); This is regarding Mike Grenby’s col- person may receive from other sources. repatriation (in the event of death); umn in the North Shore News on Long-term disability insurance is only @@ attendant trivel fare (the cost of hav-

sea |; , < Z : D

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Sunday, Oct. 29. Specificalh, when it comes to his comments on accident insurance, plus extended health benetic plans in relation to travel insurance, he is really out of his league and, thus. giving poer advice to your readers.

Accident Insurance: He states, “Accident insurance rarely makes sense...” By “accident insurance” I would have to presume he means acci- dental: death insurance, which by no means covers the range of accident insur- ance policies available, such as:

@ accidental death and disablement ~ insurance. This is the most common and,

indeed, nearly always a component of

standard employee benefits plans;

@ student accident insurance;

B sports accident insurance.

Besides the foregoing there is a great array of specialized accident insurance programs designed for volunteer organi- zations, associations and | non-profit social. clubs that provide important dis- ability, medical and:. accidental dental benefits for people invelved in activities that are not eligible for Workers ~ Compensation. Benefits (for example)

“sand where no participants liability insur- ance applies under comprehensive gener- al liability. . Accidental ‘death and disablement ‘insurance: perhaps: the most important oint Mike is missing is thar the “living « Benefits” payable for loss of sight, hear- ing; loss of limbs, loss-of-use of limbs and paralysis, are paid in lump sum, tax free payments that are-not reduced by

evs service held

a subsistence benefit at best. Benetits payable under the disablement. portion ofan ADXD program can greatly assist a person in getting back iato the main. stream of lite.

If vou don’t think this is significant, you might wish to contact the Canadian Paraplegic Association and the Canadian National Institute for the Blind aad ask them about this issue.

Student accident insurance and sports accident insurance provide very cost- effective benefits to top-up and augment employee dental plans and extended health benefit: plans, or replace these plans where the person has no such cov- erage.

Normally there are no deductidles and no co-insurance in student accident insurance or in sports injury insurance.

Travel medical insurance vis 4 vis extended health. benefits: Mr. Grenby states, “Don't duplicate. Extended insur- ance plans. might already provide travel coverage.” Extended health benefits

lans rarely provide the comprehensive

enefits and limits related to the cost of

a medical emergency incurred outside the province, that travel medical insur- ance policies do. This can leave a family thousands of dollars short.

For instance, many EHB plans have grossly inadequate benefits to pay for the cost of: ® a subsistence allowance (hotel and meals for family, staying with a member who is hospitalized );

& return of vehicle (when the insured

Dear Editor:

Re: Armistice Day Memorial Service at Victoria Park.

The organizers and participants in the above event are to be congratulated and thanked.

loca! ‘government. ons tirelessly since elected for _| Representing North Vancouver:

payor Barbara § harp its, Commissioner, Umeeda ‘Swiitlo

ing someone return the claimant home); @ child care (when the sole adult is hos- pitalized, when travelling with children); @ hospital cash (to defray additional expenses not otherwise insured, for example long-distance telephone calls, parking at the hospital,) and perhaps the Most important point is that many union EHB plans have lifetime limits thar are inadequate in light of medical costs incurred when travelling in the U.S. Limits of $100,000, $50,000 and even $25,000 are not uncommon, With major claims ceding $200,000 U.S., this could wipe out a family, financially.

Further, few EHB programs provide first payor coverage, a service, the value of which becomes dramatically impor- tant to anyone who has had to file a claim with the Medical Services Plan of British Columbia and other (often multi- ple) insurers.

The issues listed above are by no means exhaustive, but ones that are very commonly scen by those of us in the accident and health insurance industry. They are neither rare nor isolated prob- lems.

Our company has been locatec on the North Shore for over 10 vears and I, per- sonally, have been underwriting accident and health insurance going back to 1969. Accident insurance and travel insurance are both products of our par- ticular expertise.

Trevor McLean, president North Vancouver Special Risks International

It was the most effective and best attended event ever held in Victoria Park. :

Even the weather was ver better. R. Earnshaw North Vancouver

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