HOCKEY CANADA COVERAGE

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• HOCKEY CANADA COVERAGE

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Cost Breakdown

• Cost Breakdown

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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
  its members.
• This coverage applies in excess of other valid
  and collectable insurance i.e. Provincial Medical
  and Hospital Plan or Personal Group Insurance
• Coverage will also respond if a member does not
  have other private insurance.

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Types of Coverage

• Health Benefit Trust Program
• Accident Medical/Dental
• Secondary insurance
• Dental Expense per tooth 1,250
• per accident 2,500
• Additional 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 groups discretion.
  You have the flexibility to include 1 or more of
  the following categories of members within the
  Rider
• Players
• Officials
• Coaches
• bench staff

5 000 2.50
10 000 4.15
15 000 6.50
20 000 8.00
25 000 9.25
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Types of Coverage
Medical Expenses 5,000 SUBLIMITS

• Physiotherapy, Osteopath, Chiropractor up to
  500 per year
• Prosthetic Appliance 1,000
• Tuition Expense 2,000
• Emergency Taxi Benefit 40
• Travel expense Benefit 100 per accident
• 100 of Ambulance Expense
• Loss of Income 1,000

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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 500
  .00 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.

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Types of Coverage

• HBT Does Not Cover
• Benefits eligible under other private plans
• Benefits paid by a government hospital
• Benefits for a non resident playing hockey in
  Canada without a primary coverage
• Eye glasses or contacts
• Sickness or disease
• Repair or replacement of artificial teeth or
  dentures
• A knee brace or similar device needed solely for
  playing hockey
• Equipment replacement

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Types of Coverage

• ACCIDENTAL DEATH DISMEMBERMENT
• ADD 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.

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Types of Coverage
AD and D Coverage
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Types of Coverage
AD and D Coverage
AGE ON DATE OF ACCIDENT PERCENTAGE OF
UNDER-AGE-70 MAXIMUM AMOUNT 70-74 65 75-79
45 80-84 30 85 and older 15
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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-ice
• Potential Paralysis
• Potential Loss of Sight
• Potential Loss of Use as Described

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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

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Types of Coverage

• COMMERCIAL GENERAL LIABILITY
• Simply explained this covers lawsuits and
  settlements.

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Types of Coverage

• Named Insured
• Hockey Canada
• The Thirteen Branches of Hockey Canada
• Associations
• Leagues
• Participants
• Teams
• Officials of any of the foregoing, including
  those teams that are based in the U.S.A.

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Types of Coverage

• Includes the following registered members
• Owners
• Officers
• Directors
• Shareholders
• Members
• Committees

• Players
• Managers
• Staff Members
• Team Workers
• Officials
• Cheerleaders
• Referees
• Coaches

• Trainers
• Sponsors
• Employees
• Instructors
• Volunteers
• And Spouses of the
  Foregoing

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Types of Coverage

• Coverage
• 20,000,000 per occurrence for bodily injury
  property damage to third parties
• Excess Liability insurance in the amount of
  50,000,000
• Hockey Canada covers each registered player for
  liability
• The intent needs to be accidental and not deemed
  intentional

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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

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Types of Coverage

• Sexual Misconduct Liability
• This policy covers the insureds 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).