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Ideas for Addressing Long-Term Care of Injured Athletes

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  • Ideas for Addressing Long-Term Care of Injured Athletes

    (wishing Kevin and his family the best of luck and a positive outcome)

    The thread on Kevin Babington got me thinking...

    ...are there any practical, workable solutions to help our professionals, amateurs, and juniors in the event of a serious injury?

    Looking for ideas! There's a tremendous number of talented, smart COTH-ers. Maybe together we could think of something that would work?

    How feasible would it be for USEF to provide LTD coverage for members? There could be various ways to fund this expense - either through increasing the annual membership, or adding a special fee to each horse show.

    I know people are generally opposed to additional fees, but maybe it's the right thing to do for our equestrian community?

    There are approximately 80,000 members of USEF (although I'm not sure how many are fan memberships). For a group this large, there should be good purchasing power to get good insurance rates, right?

    I know very little about insurance. Those who know more, please weigh in!
    ~ Citizens for a Kinder, Gentler COTH...our mantra: Be nice. ~

  • #2
    Isn't there an "Injured Jockeys Fund"? Maybe there could be something like that?

    Comment


    • #3
      Hmmm. Health care that isn’t tied to employment. If only some country had figured this out.
      The Evil Chem Prof

      Comment


      • #4
        We have the CPHA out west, though that’s for pros only. They will help out for some catastrophic events, sometimes by providing a tax-deductible means for people to donate.
        The Evil Chem Prof

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        • #5
          We need Medicare for all. If Babbington is screwed and will end up bankrupt, literally every professional in the horse world would be screwed and end up bankrupt. Go Fund Me isn't a long term disability plan.
          Power to the People

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          • #6
            Originally posted by Sswor View Post
            We need Medicare for all. If Babbington is screwed and will end up bankrupt, literally every professional in the horse world would be screwed and end up bankrupt. Go Fund Me isn't a long term disability plan.
            Something to think about, though, is that Medicare doesn't cover custodial care - which, following a catastrophic injury like Babington's, is going to cost a not so small fortune.

            Think about expenses like modifications to a house to make it friendly for someone in a wheelchair. Think about having assistance with daily tasks like bathing, dressing, and using the bathroom. Think about needing a vehicle that is heavily modified to accommodate a disabled person's needs.

            Statistics show that about a third of Americans have long term disability insurance. The great majority get that benefit through their employer, and if they use it, will receive at most an amount that is roughly 50-60% of their "normal" income. I would imagine the percentage of self employed people with LTD coverage is lower.

            It's an interesting idea to consider whether the USEF, with it's relatively large membership, might be able to offer a policy to members, obviously at an (optional) additional cost. Those without employer based coverage could take advantage of a group rate, without necessarily adding cost for anyone else.
            **********
            We move pretty fast for some rabid garden snails.
            -PaulaEdwina

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            • #7
              Does Babington not have health insurance?

              I know a relative of mine requiring longterm care was able to have their hospital bed and some other home modifications covered via their health insurance. No, it’s not going to cover it all. But —- if we aren’t going to fix our horrible healthcare system perhaps USEF can provide a way for professionals & even amateurs to pay into STD/LTD fund and withdraw if needed. Charitable so a tax benefit. Actually I’d like to see this regardless of our healthcare system - it would not be difficult for USEF to setup. I think Eventing folks have something like this?

              With horses its not If - it’s when and how bad. This is for every participant. Setting money aside for costs seems prudent.

              Comment


              • #8
                I find the the idea of USEF-provided LTD policies very intriguing, as long as they are "pay to play" policies (i.e., optional). But I am skeptical as to whether many insurance carriers would offer these plans at affordable rates given the high risks of equestrian sport. I think the carriers would either want huge deductibles, or very high premiums, or both.

                Comment


                • #9
                  The Equestrian Aid Foundation may be of help. It was started by Robert Dover and a group of friends primarily to assist equestrians who were dealing with AIDS, but it expanded to cover all kinds of catastrophic illnesses and injuries.
                  https://www.equestrianaidfoundation.org/

                  Comment


                  • #10
                    Perhaps some variant on charging a fee associated with show entries/management and pooling that into an investment vehicle that injured members could request grants from? Something like that Robert Dover is doing but less voluntary?
                    ~Veronica
                    "The Son Dee Times" "Sustained" "Somerset" "Franklin Square"
                    http://photobucket.com/albums/y192/vxf111/

                    Comment


                    • #11
                      That’s a tough problem. With the high risks and high numbers of horse-related injuries, I think the pool of fund-accessors would quickly outpace member financial input.

                      And insurance companies don’t want that risk. No way, no how!

                      When I lived in CO years ago, health insurance companies tried to implement a statewide policy that would deny coverage for known dangerous activities—skiing and horseback riding chief among them.
                      "Dogs give and give and give. Cats are the gift that keeps on grifting." —Bradley Trevor Greive

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                      • #12
                        Originally posted by chestnutmarebeware View Post
                        That’s a tough problem. With the high risks and high numbers of horse-related injuries, I think the pool of fund-accessors would quickly outpace member financial input.

                        And insurance companies don’t want that risk. No way, no how!

                        When I lived in CO years ago, health insurance companies tried to implement a statewide policy that would deny coverage for known dangerous activities—skiing and horseback riding chief among them.
                        It's available. But for many, considered unaffordable unfortunately. Interestingly enough, I did a quick search and found that the USHJA actually publishes a guide on insurance and other long term planning at https://www.ushja.org/application/fi...ity_MS_MSS.pdf
                        **********
                        We move pretty fast for some rabid garden snails.
                        -PaulaEdwina

                        Comment


                        • #13
                          Originally posted by Lucassb View Post

                          It's available. But for many, considered unaffordable unfortunately. Interestingly enough, I did a quick search and found that the USHJA actually publishes a guide on insurance and other long term planning at https://www.ushja.org/application/fi...ity_MS_MSS.pdf
                          Is it available as a group “pool” consisting entirely of high risk riders, though? That was my thinking when I made the insurance comment. BCBS covers me, despite multiple horse-related claims, so it’s absolutely available to individuals who ride. 😄
                          "Dogs give and give and give. Cats are the gift that keeps on grifting." —Bradley Trevor Greive

                          Comment


                          • #14
                            Originally posted by chestnutmarebeware View Post

                            Is it available as a group “pool” consisting entirely of high risk riders, though? That was my thinking when I made the insurance comment. BCBS covers me, despite multiple horse-related claims, so it’s absolutely available to individuals who ride. 😄
                            Pools don't usually work when you fill them with exclusively high risk people. The way to make a pool work is to add in some low risk people and therefore make the overall risk go down.
                            ~Veronica
                            "The Son Dee Times" "Sustained" "Somerset" "Franklin Square"
                            http://photobucket.com/albums/y192/vxf111/

                            Comment


                            • #15
                              Originally posted by vxf111 View Post

                              Pools don't usually work when you fill them with exclusively high risk people. The way to make a pool work is to add in some low risk people and therefore make the overall risk go down.
                              Exactly---you would need to combine with an equal-sized group of say "national card players" (or whatever benign/non-risky activity group as far as LTD is concerned) to even reduce premiums by 50% and while that would reduce costs on the risky riders it would equally increase costs for the non-risky group who may not be so willing to subsidize....

                              Comment


                              • #16
                                Originally posted by chestnutmarebeware View Post

                                Is it available as a group “pool” consisting entirely of high risk riders, though? That was my thinking when I made the insurance comment. BCBS covers me, despite multiple horse-related claims, so it’s absolutely available to individuals who ride. 😄
                                Not that I know of, but I haven't really investigated it. I do know that other high risk occupation pools exist, though - my ex got his through a pilot's organization as one example.
                                **********
                                We move pretty fast for some rabid garden snails.
                                -PaulaEdwina

                                Comment


                                • #17
                                  I think it would be wonderful to provide for what insurance won’t cover, ie bills, alterations to homes etc, maybe we as a community could start a non-profit where people can apply for assistance. Leave the USEF out of it unless they want to donate. Then take their money.

                                  The COTH disabled riders fund or some such.

                                  Just brain storming. I have full coverage health care. I don’t pay a cent. However, Tri-care does have to approve the medical procedures. For example when my horse kicked me the hospital realigned my bones and reattached my FCL to stabilize my leg. A week later I was to get the full reconstruction of my ACL, PCL MCL and meniscus. Tri Care approved the surgery AFTER I went under for the second surgery. Took them that long to decide if I needed those other ligaments. That also was with badgering and almost yelling from my flight surgeon that they were being ridiculous.

                                  So while government healthcare for all sounds great, that is a hurdle.

                                  A friend of mine flipped his quad in the mountains, broke his leg in three places and the only way to get him to the hospital was by helicopter. It was a fight to get insurance to pay for the helicopter ride. They didn’t think it was necessary

                                  Comment


                                  • #18
                                    It is definitely doable. The coverage amounts may vary though.

                                    Membership with Ontario Equestrian is required to show at rated shows in Ontario, most boarding barns, etc require it as well for insurance purposes. It automatically covers all members for $30,000 for accidental death and dismemberment. For an extra $32/year you can increase this to $50,000.
                                    For an extra $180/year you can add short term disability, this will pay out $500/week for 26 weeks if you can't work.

                                    The coverage may not seem like a lot, but keep in mind we have "free healthcare". So this would go towards things like home modifications, income replacement, etc. Not hospital bills.

                                    Comment


                                    • #19
                                      I think if Kevin’s wife looks around at community services that help spinal cord injury patients, she will find there is a network of people willing to help. Someone I knew yes ago had a similar injury from getting bucked off. She was living pay check to pay check at the time, and living alone.
                                      The hospital social worker was able to steer her family to the right direction to get her house prepared for when she got out of rehab. There are handyman that volunteer services ( like habitat for humanity).
                                      Also, about a year out of rehab, she was more independent, & was able to trade her old vehicle in for a wheelchair accessible van ( the extra money was from donation from a fundraiser).
                                      This person’s sister moved in for about 6 months, plus a nurse comes to the house daily to help with some things. I know she didn’t have great insurance, but somehow, she has gotten the care she needs & is now fairly independent. She’s also involved in a big support group of spinal injury people & has many new friends.

                                      Comment


                                      • #20
                                        Originally posted by GoodTimes View Post
                                        It is definitely doable. The coverage amounts may vary though.

                                        Membership with Ontario Equestrian is required to show at rated shows in Ontario, most boarding barns, etc require it as well for insurance purposes. It automatically covers all members for $30,000 for accidental death and dismemberment. For an extra $32/year you can increase this to $50,000.
                                        For an extra $180/year you can add short term disability, this will pay out $500/week for 26 weeks if you can't work.

                                        The coverage may not seem like a lot, but keep in mind we have "free healthcare". So this would go towards things like home modifications, income replacement, etc. Not hospital bills.
                                        Unless you have a prescription plan through an employer or such, it would also need to cover any medications not administered in hospital, any assistive devices, physio once you're out of hospital etc. Some provinces intermittently cover limited "extras" like outpatient physio, depending on their budget. AB did for a while, but I don't believe they do now.

                                        Our fully tax-funded physician visits and anything done in-hospital (without the need for some kind of annoying pre-approval) is great, but we have a real gap when it comes to long term outpatient care. I think most countries do tbh, it ends up a mishmash of government funding, disability or elder assistance, some out of pocket, etc.
                                        Proud Member Of The Lady Mafia

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