by jo172 » Mon Jun 01, 2015 10:33 am
by Footy Chick » Mon Jun 01, 2015 10:50 am
Gatt_Weasel wrote:if they (Walkerville) dont win the flag ill run around the block of my street naked :) you can grab a chair and enjoy the view
by Look Good In Leather » Mon Jun 01, 2015 12:16 pm
Footy Chick wrote:The ones with the more physical jobs or self employed should have their own income protection anyway.
by Q. » Mon Jun 01, 2015 12:22 pm
Look Good In Leather wrote:Footy Chick wrote:The ones with the more physical jobs or self employed should have their own income protection anyway.
Exactly, why should it be the club's responsibility? The players choose to play a collision sport.
Again, we have bred society to expect someone else to take responsibility
by morell » Mon Jun 01, 2015 12:31 pm
by Q. » Mon Jun 01, 2015 12:39 pm
by BFG » Mon Jun 01, 2015 12:45 pm
Q. wrote:I have income insurance and it's looking like I'll get an 8 week payout for breaking my ankle.
On top of that, I didn't pay a cent to have an ankle reconstruction and arthroscopy thanks to having health insurance.
So yeah, I'm kinda thankful I have both of them.
by Footy Chick » Mon Jun 01, 2015 12:46 pm
morell wrote:Whoever thought of the insurance business model and managed to convince people of the time that it made sense, must have been some kind of magician - "hey, give me money all the time, and I might give you some back in an emergency, if I decide to, provided you have given me more money over the course of our agreement than what I might be giving you back". It's a complete rort and I personally avoid any insurance unless I am forced to by the government.
My personal misgivings notwithstanding, I think protecting blokes income if they choose to play football will be the new competitive paradigm for Clubs moving forward. It might not be who is closer, or who is more chance of a flag, it will be, who has the better coverage on their insurance plan - much like it is for employers in the US.
Gatt_Weasel wrote:if they (Walkerville) dont win the flag ill run around the block of my street naked :) you can grab a chair and enjoy the view
by morell » Mon Jun 01, 2015 12:46 pm
by BFG » Mon Jun 01, 2015 12:50 pm
morell wrote:I love people with that attitude: "but insurance is great, I don't pay a cent for my <insert medical service>". Yes. You do. You pay a monthly fee. A monthly fee which would be contractually obligated to add up to MORE than the cost of the services you used.
Take all your insurance costs, put them into an untouchable bank account for a couple of years, apply interest. Profit.
But, if a club can incur those insurance costs on your behalf*, then yeah, I think that's an attractive proposition for players.
* or maybe if the club was smart, put those insurance costs into an interest bearing account and us that instead.
by morell » Mon Jun 01, 2015 12:54 pm
Insurance is mathematically and contractually designed to be more rewarding for the insurer. Otherise insurance companies wouldn't exist! They would be charities instead.Footy Chick wrote:morell wrote:Whoever thought of the insurance business model and managed to convince people of the time that it made sense, must have been some kind of magician - "hey, give me money all the time, and I might give you some back in an emergency, if I decide to, provided you have given me more money over the course of our agreement than what I might be giving you back". It's a complete rort and I personally avoid any insurance unless I am forced to by the government.
My personal misgivings notwithstanding, I think protecting blokes income if they choose to play football will be the new competitive paradigm for Clubs moving forward. It might not be who is closer, or who is more chance of a flag, it will be, who has the better coverage on their insurance plan - much like it is for employers in the US.
Whatever drugs you're on today Morell, get off 'em, they're bad. Mmmmkay?
Please don't be the first one with your hand out for support in the event that your house burns down then.
Or god forbid the poor person who who run over in your car, or the building you crash into, because you refuse to insure your car.
The cost to replace a stobie pole is $30k plus - that's a big bill for you to pay because you think insurance is a rort.
by Q. » Mon Jun 01, 2015 12:56 pm
by morell » Mon Jun 01, 2015 1:00 pm
I had private health, I was paying $80/month. I did my knee. Had surgery. Had a "gap" of $1500. I added up the amount I had paid over the previous 4.5 years plus the gap and I would have been hundreds of dollars better off if I had of just put the money aside into an interest bearing account. As in, it wasn't even close!BFG wrote:morell wrote:I love people with that attitude: "but insurance is great, I don't pay a cent for my <insert medical service>". Yes. You do. You pay a monthly fee. A monthly fee which would be contractually obligated to add up to MORE than the cost of the services you used.
Take all your insurance costs, put them into an untouchable bank account for a couple of years, apply interest. Profit.
But, if a club can incur those insurance costs on your behalf*, then yeah, I think that's an attractive proposition for players.
* or maybe if the club was smart, put those insurance costs into an interest bearing account and us that instead.
correct, It's not free but I would much rather pay 50 bucks a fortnight for the last 3 years than pay the 4,000 or so in one whack that it wouldve cost me to pay for the surgery myself. Plus all the physio afterwards that i got for 10 a visit compared to the 50-60 it usually is. But each to their own i spose.
by Q. » Mon Jun 01, 2015 1:05 pm
by morell » Mon Jun 01, 2015 1:07 pm
You must have a good contract then, if they've covered you without significant previous investment. Most contracts have no claim periods and/or minimum payment amounts. Someone, somewhere, is paying for your payout though, yeah?Q. wrote:Except it would take me ten years to save up what my income protection payout will be. What if I get injured after one year?
Q. wrote:Same applies to the health insurance.
I suppose if you never have to make a claim then yes, you would be better off investing, but how do you know if and when you'll have to make a claim?
by morell » Mon Jun 01, 2015 1:08 pm
This was a very reputable company and a very standard insurance contract.Q. wrote:Ouch. Should've shopped around for better insurance
by morell » Mon Jun 01, 2015 1:28 pm
by Q. » Mon Jun 01, 2015 1:37 pm
by Footy Chick » Mon Jun 01, 2015 1:42 pm
Gatt_Weasel wrote:if they (Walkerville) dont win the flag ill run around the block of my street naked :) you can grab a chair and enjoy the view
by Lightning McQueen » Mon Jun 01, 2015 1:46 pm
Footy Chick wrote:Yes, it's come to this....
Keep your crap off my division threads
Dribble away my friend!
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