3 Types of Coverage What is HBT – Health Benefits Trust The HBT Program is a self insured program managed by Hockey Canada in order to provide cost effective Accidental Medical/Dental Insurance to it’s members.This coverage applies in excess of other valid and collectable insurance i.e. Provincial Medical and Hospital Plan or Personal Group InsuranceCoverage will also respond if a member does not have other private insurance.
4 Health Benefit Trust Program Accident Medical/Dental Types of CoverageHealth Benefit Trust ProgramAccident Medical/DentalSecondary insuranceDental Expense: per tooth $1,250per accident $2,500Additional optional dental coverage available:This optional coverage is available to all Hockey Canada Provincial Branches, Associations, Leagues or other entities that are members of Hockey Canada. In order to be eligible for the coverage, all members of a group must adhere to the program. The program is unfortunately not available on an individual member basis.Coverage is valid for 1 year and the inception date of the Rider is at the group’s discretion. You have the flexibility to include 1 or more of the following categories of members within the Rider:• Players• Officials• Coaches• bench staff$ 5 0002.50$4.15$6.50$8.00$9.25
5 Types of Coverage Medical Expenses: $5,000 SUBLIMITS Physiotherapy, Osteopath, Chiropractor up to : $500 per yearProsthetic Appliance: $1,000Tuition Expense: $2,000Emergency Taxi Benefit: $40Travel expense Benefit: $100 per accident100% of Ambulance ExpenseLoss of Income $1,000
6 Types of Coverage Concussion injuries Concussion injuries involve many different interventions. Hockey Canada will consider the following coverage related to a concussion which has been diagnosed by a physician:Physiotherapy under the current maximum of $ per year .Neuropsychology, which falls under the current physiotherapy maximum per year .Tuition expenses as previously described.Note that Hockey Canada Insurance does not cover expenses for baseline testing.
7 Types of Coverage HBT Does Not Cover Benefits eligible under other private plansBenefits paid by a government hospitalBenefits for a non resident playing hockey in Canada without a primary coverageEye glasses or contactsSickness or diseaseRepair or replacement of artificial teeth or denturesA knee brace or similar device needed solely for playing hockeyEquipment replacement
8 Types of CoverageACCIDENTAL DEATH & DISMEMBERMENTAD&D Insurance covers very serious, permanent injuries which might occur while participating in a HC/Branch sanctioned activity. This coverage is in addition to any other valid and collectable insurance policy.
10 Types of Coverage AD and D Coverage AGE ON DATE OF ACCIDENT PERCENTAGE OF UNDER-AGE-70 MAXIMUM AMOUNT%%%85 and older 15%
11 Types of Coverage AD and D Coverage – Important Steps If a potential AD and D claim is apparent, for example:Accidental Death ; on – ice or off-icePotential ParalysisPotential Loss of SightPotential Loss of Use as Described
12 Types of Coverage AD and D Claims – Important Steps The Branch should report accident to Todd Jackson and Glen McCurdie immediately and report all details related to the claim. The members name and DOB as well as a short description of the claim is always helpful.Hockey Canada will immediately advise the insurers (even on the weekends).You will be given instructions on next steps including required information .Counseling may be necessary
13 Types of Coverage COMMERCIAL GENERAL LIABILITY Simply explained this covers lawsuits and settlements.
14 Types of Coverage Named Insured Hockey Canada The Thirteen Branches of Hockey CanadaAssociationsLeaguesParticipantsTeamsOfficials of any of the foregoing, including those teams that are based in the U.S.A.
15 Types of Coverage Includes the following registered members: Players OwnersOfficersDirectorsShareholdersMembersCommitteesPlayersManagersStaff MembersTeam WorkersOfficialsCheerleadersRefereesCoachesTrainersSponsorsEmployeesInstructorsVolunteersAnd Spouses of the Foregoing
16 Types of Coverage Coverage $ 20,000,000 per occurrence for bodily injury & property damage to third partiesExcess Liability insurance in the amount of $50,000,000Hockey Canada covers each registered player for liabilityThe intent needs to be accidental and not deemed intentional
17 Types of Coverage Reporting Occurrences that may require coverage should be reported to Glen McCurdie.The respondent should consult with Glen prior to engaging legal counsel.The occurrence will then be sent to the insurer who will begin an investigation
18 Types of Coverage Sexual Misconduct Liability This policy covers the insured’s liability arising out of alleged or actual sexual misconduct for which the insured may be held legally liable.Will pay defense costs of the accused in civil court until proven to be guilty.Will reimburse the defense costs of the accused, if found innocent, in criminal court ($25,000 sub-limit).