As I have a player wanting to join my squad at the half way mark of the season I would have thought the rego fee would have been half of that prior to seasons start, but it was not. When I asked why, I was told that as the majority of the rego is for insurance, and as that component does not reduce not matter when you join that's why it is that much. Now having experienced the support/assistance that the insurance gave to me when I broke my leg, NONE, or very little, I was just wondering if anyone could give me a warm and fuzzy and tell me that it covers something and is it really value for money, or is someone making a killing off the multitude of players registering every year.
Stan, $290 is the starting price, $200 at half way. Now I don't mind the club doing what they do but am interested to know how much is the insurance % and why it is so much noting that I have seen the results of my money paid in the past.
the component that stays the same is the amount that goes to FFA, FNSW and GDSFA, the insurance is in their somewhere, I think the 3 total $163 or $165, the rest is what your club charges but remember they have to pay field hire, lights and referees out of that
Thanks refsdad, I have now been fully briefed and state that at no time was I meaning to indicate that any club is ripping their players off. I was simply digging around the insurance issue and the effectiveness of it.
You get 20% not worth it unless you have surgery. If you have health insurance and only need physio stick with that cause if you pay the 20% discount they charge you full price. And your club will need to fill out paperwork and send it to the insurer once you have notified the club of your injury.
Post by fourfourtwo on Jun 16, 2012 16:21:11 GMT 10
Bo knows Granville,
This program is part of the Football NSW Limited Risk Management and Player Protection Plan. It is designed to supplement Loss of Income and Non-Medicare expenses but BY LAW THIS PROGRAM IS PREVENTED FROM ASSISTING WITH ANY MEDICARE ITEMS. Note it is not a Health Insurance Scheme or Workers Compensation.
Merv, you got off lightly, I had a student who was looking at playing only the first 7 games of the season before heading overseas on a study group and she was told there would be no discount and would have to pay fuul rego price.Not happy from my side as a former committee member who always looked ar helping kids out.
It is nothing but a RORT. For over $150 per senior player you get;
- MAXIMUM $250 a week income protection ONLY after all your available Leave is used. (wow that'll pay the rent) - Nothing for anything covered by Medicare - You MUST claim on your health fund first if in one and only after your health fund and then after that Medicare is used can you clain for the difference and you MIGHT get some of it.
So if you are in a health fund you get sweet FA pretty much. Some Clubs have tried to opt out of this component in other Assoc's only to be told if they dont have this insurance they then wont be affiliated by NSW. It is a rort. Add it up $150 x how many adult players and over half a million kids? My daughter had a knee reco and got SFA (about $45 for physio) out of $6K.
As the Kuringai president Dougie Hendry said when the review was going on 'Turkeys dont vote for Christmas'
The rort is you can not opt out, That is for sure. I believe we should have the ability to opt out and take on the full insurance burden personally.
The reality is we are paying a premium of $150, they ask no medical questions when they take the premium. They are insuring individuals who have all types of pre-existing conditions. To reduced the premium they reduce the insurance companies exposure by limiting weekly payments, ensuring you use your own leave, medicare etc.
As this is an area I work in I know I can not get any of my clients who play amateur football an income protection payment with the first 90 days of the injury. If they are injured while playing football and they are off work for more then 90 days then they will receive 75% of their income. This premium will also be 20 to 30 times greater then is currently being charged ($150).
The saying I believes that applies here is "you get what you pay for"
Do you think by paying a $150 premium you are going to get your income replaced from the time you get injured plus your medical and out of pocket expenses paid for?
There are a couple of options but I don't want to bore you with them. Nor do I want to be seen to be soliciting business on here.
I still believe they are taking our money.......WE SHOULD BE ABLE TO OPT OUT AND APPRECIATE & UNDERSTAND THE RISK WE ARE TAKING. Let's face it with that pathetic policy we are taking the risk but some don't know it.
Last Edit: Jun 18, 2012 20:02:04 GMT 10 by thatsme
Where do you get the idea that the insurance component is $150?
The FNSW website in the policy documents area that 442 refers to indicates for an amateur senior, the cost for the player accident support program is $36.17. There are details of other coverage if something serious happens as well if you read the details.
There is apparently scope to talk to the insurers as well about additional loss of income coverage if a team/club wishes.
For $36.17 not too bad coverage when you consider medicare items are simply not allowed to be covered. A bit of a bonus receipt of cash at the end of an injury can come in handy such as the $1500 mentioned earlier.
Of course it also covers the death and disablement which is $100K - and it has happened in this association before so that's where the bulk of the premium would go. Look at the GDSFA financial statements to see where your player fees go - not the insurance "rort".
Permanent disability and death cover portion is by the NSW Sporting Injuries Insurance Scheme and the ACTUAL cost it is $3.19 for seniors and $0.77 for juniors per player per year. www.sportinginjuries.nsw.gov.au/1_obtain_quote.asp This insurance can also be organised by clubs.
And if any of play futsal then you would know about the double dipping when you need to register separately for futsal.
Futsal, Winter football, try triple dipping, I am already in a health fund, the rort is that there is no alternative. Like I said $6.5K for my daughters knee reco and we got $45.20 back after having to use Medicare and Health Fund first. It should be an option only or create two fee structures one for those in a Heath Fund and one for those who choose not to be.