Dan H

Not the same as Aflac though. Most insurance pays medical. Aflac just gives
you money to cover whatever while you are down.

----- Original Message -----
From: "Robert Vigeant"
To:
Sent: Monday, May 16, 2011 5:08 PM
Subject: Re: [OBRA Chat] Extra Accident Insurance for Racers/Riders

>I have Adventure Advocates supplemental accident insurance. It is endorsed
>by USAC, and I have used it before (ask me about my $8k collar bone
>sometime). The knew I did it bike racing, and paid quickly without any
>problems.
> _______________________________________________
> OBRA mailing list
> obra@list.obra.org
> http://list.obra.org/mailman/listinfo/obra
> Unsubscribe: obra-unsubscribe@list.obra.org

halfwheelhill@yahoo.com

+1 USAA, they are great.

Scott
Sent from my Verizon Wireless BlackBerry

-----Original Message-----
From: Ben Fischler
Sender: obra-bounces@list.obra.org
Date: Mon, 16 May 2011 17:18:15
To: OBRA list list
Subject: Re: [OBRA Chat] Extra Accident Insurance for Racers/Riders

IMO you can expand your ethical inquiries to the entire insurance industry. My general philosophy with insurance companies mirrors my feelings toward automobiles: assume they will kill you.

USAA is the only insurance entity that I've personally dealt with that had a shred of decency. Barely.

YMMV.

AnimationMentor.com
[ ben.fischler@gmail.com ]

On May 16, 2011, at 4:56 PM, dacrizzow wrote:

> i just signed up for AFLAC and the "salesman" told me as an example that if i was mountain climbing as long as i was using ropes they would pay off. later when reading the small print at home it said any mountaineering where ropes were needed they would be exempt from paying. i even asked about amature bike racing specifically and he said it was fine but now i'm not only questioning the salesman but maybe even the company's ethics. i wonder if anyone out there has some positive or negative experiences with AFLAC.
> _______________________________________________
> OBRA mailing list
> obra@list.obra.org
> http://list.obra.org/mailman/listinfo/obra
> Unsubscribe: obra-unsubscribe@list.obra.org

_______________________________________________
OBRA mailing list
obra@list.obra.org
http://list.obra.org/mailman/listinfo/obra
Unsubscribe: obra-unsubscribe@list.obra.org

Ben Fischler

IMO you can expand your ethical inquiries to the entire insurance industry. My general philosophy with insurance companies mirrors my feelings toward automobiles: assume they will kill you.

USAA is the only insurance entity that I've personally dealt with that had a shred of decency. Barely.

YMMV.

AnimationMentor.com
[ ben.fischler@gmail.com ]

On May 16, 2011, at 4:56 PM, dacrizzow wrote:

> i just signed up for AFLAC and the "salesman" told me as an example that if i was mountain climbing as long as i was using ropes they would pay off. later when reading the small print at home it said any mountaineering where ropes were needed they would be exempt from paying. i even asked about amature bike racing specifically and he said it was fine but now i'm not only questioning the salesman but maybe even the company's ethics. i wonder if anyone out there has some positive or negative experiences with AFLAC.
> _______________________________________________
> OBRA mailing list
> obra@list.obra.org
> http://list.obra.org/mailman/listinfo/obra
> Unsubscribe: obra-unsubscribe@list.obra.org

Robert Vigeant

I have Adventure Advocates supplemental accident insurance. It is endorsed by USAC, and I have used it before (ask me about my $8k collar bone sometime). The knew I did it bike racing, and paid quickly without any problems.

dacrizzow

i just signed up for AFLAC and the "salesman" told me as an example that if i was mountain climbing as long as i was using ropes they would pay off. later when reading the small print at home it said any mountaineering where ropes were needed they would be exempt from paying. i even asked about amature bike racing specifically and he said it was fine but now i'm not only questioning the salesman but maybe even the company's ethics. i wonder if anyone out there has some positive or negative experiences with AFLAC.

Mark J. Ginsberg

Gregg,

Be Careful.

The person selling you the insurance may be honest and candid, but ultimately,
they are not the person who decides when and if to pay a claim.

So it is possible that later someone may say that b/c you made $5 at PIR when
you placed 3rd that one time, you are excluded from benefits.

Mark

Mark J. Ginsberg
Berkshire Ginsberg, LLC
Attorneys At Law
1216 SE Belmont St.
Portland, OR 97214
(503) 542-3000
Fax (503) 233-6874
markjginsberg@yahoo.com
www.bikesafetylaw.com

________________________________
From: Gregg Magnus
To: tori bortman
Cc: "obra@list.obra.org"
Sent: Mon, May 16, 2011 3:00:53 PM
Subject: Re: [OBRA Chat] Extra Accident Insurance for Racers/Riders

I fully support supplemental insurance however your info about Aflac is
inaccurate. Before I started supplemental insurance with Aflac I was concerned
about the paragraph about sporting events. I researched thus and it only
pertains if you are being paid to race ie professional, us mere amateurs who pay
to race would be covered by Aflac if injured during a race.

So please everyone consider supplemental injury insurance especially when racing
but make sure you read the fine print and know coverage limitations.

Gregg

Sent from my iPhone

On May 16, 2011, at 11:37, tori bortman wrote:

As racing season kicks in, I'm starting to be grateful for my extra accident
insurance. Basically, if I get in a wreck-- riding, racing, walking down the
stairs-- this helps pay my co-pays, deductibles and gives me some supplemental
income.
>
>
>If you've heard of AFLAC, it's similar, but AFLAC does not cover bike racing. If
>you're injured in an OBRA sanctioned race with AFLAC, you're out of luck, where
>as this coverage covers racing.
>
>
>
>As someone who's self employed, I appreciate the extra cushion.
>If you're interested, you can contact Joe Durban from Suppliment Benifit
>Solutions, Inc.
>
>
> 503-620-6406
> jdurbin@sbsinsurance.com
>
> www.sbsinsurance.com
>he's a great guy and can hook you up-- even if you're self or unemployed. I pay
>about $25 a month (the cost of one race) for this, which I think is well worth
>it.
>
>
>I don't work for the company, I'm not getting any discount. I just want help to
>keep our members safe and sound!
>
>
>Cheers,
>Tori
>
_______________________________________________
>OBRA mailing list
>obra@list.obra.org
>http://list.obra.org/mailman/listinfo/obra
>Unsubscribe: obra-unsubscribe@list.obra.org
>

Gregg Magnus

I fully support supplemental insurance however your info about Aflac is inaccurate. Before I started supplemental insurance with Aflac I was concerned about the paragraph about sporting events. I researched thus and it only pertains if you are being paid to race ie professional, us mere amateurs who pay to race would be covered by Aflac if injured during a race.

So please everyone consider supplemental injury insurance especially when racing but make sure you read the fine print and know coverage limitations.

Gregg

Sent from my iPhone

On May 16, 2011, at 11:37, tori bortman wrote:

> As racing season kicks in, I'm starting to be grateful for my extra accident insurance. Basically, if I get in a wreck-- riding, racing, walking down the stairs-- this helps pay my co-pays, deductibles and gives me some supplemental income.
>
> If you've heard of AFLAC, it's similar, but AFLAC does not cover bike racing. If you're injured in an OBRA sanctioned race with AFLAC, you're out of luck, where as this coverage covers racing.
>
> As someone who's self employed, I appreciate the extra cushion.
> If you're interested, you can contact Joe Durban from Suppliment Benifit Solutions, Inc.
> 503-620-6406
> jdurbin@sbsinsurance.com
> www.sbsinsurance.com
> he's a great guy and can hook you up-- even if you're self or unemployed. I pay about $25 a month (the cost of one race) for this, which I think is well worth it.
>
> I don't work for the company, I'm not getting any discount. I just want help to keep our members safe and sound!
>
> Cheers,
> Tori
> _______________________________________________
> OBRA mailing list
> obra@list.obra.org
> http://list.obra.org/mailman/listinfo/obra
> Unsubscribe: obra-unsubscribe@list.obra.org

tori bortman

As racing season kicks in, I'm starting to be grateful for my extra accident insurance. Basically, if I get in a wreck-- riding, racing, walking down the stairs-- this helps pay my co-pays, deductibles and gives me some supplemental income.

If you've heard of AFLAC, it's similar, but AFLAC does not cover bike racing. If you're injured in an OBRA sanctioned race with AFLAC, you're out of luck, where as this coverage covers racing.

As someone who's self employed, I appreciate the extra cushion.
If you're interested, you can contact Joe Durban from Suppliment Benifit Solutions, Inc.

    503-620-6406
    jdurbin@sbsinsurance.com

     www.sbsinsurance.com
he's a great guy and can hook you up-- even if you're self or unemployed. I pay about $25 a month (the cost of one race) for this, which I think is well worth it. 

I don't work for the company, I'm not getting any discount. I just want help to keep our members safe and sound!

Cheers,
Tori