By Don Allord, USA Hockey’s Central District Risk Manager
Did you know that by registering as a member of USA Hockey you are automatically enrolled in the USA Hockey insurance program? Your participation and registration with USAH afford you insurance coverage in 5 different areas: Excess Accident, Catastrophic, Liability, Directors & Officers Liability and Crime. In this 5-part series, Central District Risk Manager, Don Allord takes an in depth look at each of the areas of coverage. Part I of our series focuses on Participant Accident (Excess) Coverage.
PART I: Participant Accident (Excess) Coverage
This coverage is provided for registered members participating on all USA Hockey registered ice hockey teams and registered officials. Covered medical and dental expenses are payable, secondary to any valid and collectible insurance the registered member has in force at the time of the accident. The member must meet a $1,000 out of pocket expense obligation, per accident, before this coverage begins. If the registered member has no valid and collectible insurance in force at the time of the accident, a deductible of $3,500, per accident, will apply.
To file an accident claim, contact your local registrar for an accident (claim) form. Officials should contact the District Referee-In-Chief for the claim form.
Participant Accident (Excess) provides coverage, on an excess basis, for accidental medical expenses, accidental death and dismemberment, and/or paralysis resulting from an accidental bodily injury while participating as a member of a registered team during a USA Hockey sanctioned game, a USA Hockey sanctioned tournament game, controlled scrimmage or practice session involving ice hockey. The coverage also extends to volunteers of USA Hockey while acting within the scope of their direct responsibilities on behalf of USA Hockey. A member is also covered on an excess basis while traveling, as a team, directly to and from a sanctioned game or official tournament in which their team is scheduled to participate. Coverage to and or from practice sessions is excluded.
NOTE: Careful consideration should be taken when deciding to play in a non-sanctioned tournament. Sanctioning provides assurance all teams are USAH registered teams. Knowingly playing a non-USAH registered team puts your players and parents at risk of not having USAH insurance coverage. A parent of a youth hockey player that has registered with USAH with the expectation of receiving the benefits of such membership, should not be placed in a situation where they may be surprised to learn, after their child is injured, that USAH insurance is not available because the injury occurred in a non-sanctioned event. Organizations/boards should consult their attorney to determine their liability from allowing teams to participate in non-sanctioned events.
Referees should note that insurance coverage as well as administrative support is not provided for non-sanctioned leagues. Contact your scheduler for a list of sanctioned teams/leagues.
Coverage Benefits for Eligible Members
Accidental (Excess) Medical Expense – The coverage may pay up to a maximum of $50,000 for covered medical expenses incurred for medically necessary treatment required as a result of an accidental bodily injury. There are limited dental and physical therapy benefits. The first bills for any covered expenses must be incurred within 30 days of the accidental bodily injury.
- $10,000 Accidental Death and Coma – Loss must occur within one year from the date of the accident
- $12,500 Loss of Sight
- $18,750 Dismemberment or Paralysis of an arm or leg
- $12,500 Dismemberment of hand or foot
Covered Expenses mean those expenses incurred within two years from the covered accident date and submitted no later than 15 months from when the expense incurred. Do Not Wait until your primary insurance has completely finished your claim before sending in your USAH claim form.
Up Next – PART 2: Catastrophic Coverage