Midwest Rugby Football Union

USA Rugby is looking for feedback on the accident insurance benefit that is included with your CIPP registration.  Given the number of claims over the existence of the policy, the current insurance company is looking at a 5% increase in premium, which would exceed the money intake at the current rate.

USA Rugby Congress has been asked to provide feedback by early next week (the week of August 4th), so the Board of Directors can consider options going forward.  Please note these options will not impact the soon-to-be-opened 2013-14 CIPP Cycle.

Please consider the options below, and send comments to any of your Midwest Congress reps (This email address is being protected from spambots. You need JavaScript enabled to view it., This email address is being protected from spambots. You need JavaScript enabled to view it., This email address is being protected from spambots. You need JavaScript enabled to view it.) by the end of this weekend, if possible.  Take into consideration whether this is a benefit to you, or could be, and whether the removal of this accident insurance would have a hugely negative impact on teams/leagues, should players who don't otherwise have medical insurance lose the coverage:

Option 1 – USA Rugby drops the member accident policy altogether and reduces member dues by $10 for Senior, College, HS and Youth, Coach, Ref and Admins. No reduction on Rookie Rugby, Eagle Supporters Club or Club Fee categories as those were not increased at the inception of the policy. The impact on the USAR budget would be flat, and the membership waiver would, again, require that all members carry medical coverage in order to play.

 

Option 2 – USA Rugby implements deductible increases on the current policy. While there have been a variety of options proposed, we would likely consider no increase for members with primary insurance and a $500 increase for members without primary insurance. This would be the only change to the policy for the 2013/2014 year and would result in $1500 ded for members with primary medical and $3500 for members without primary medical.

 

Option 3 – USA Rugby can increase the membership rates, approx $10, and continue to provide the policy that would decrease deductibles to levels similar to year one, $1000/$2500 and would eliminate the 80/20 coinsurance provision ($1000 deductible would not be disappearing). We would have to get firmer pricing so this is not a guarantee. The plan would not be identical to year one, and we cannot guarantee we could sustain this in the long term. If we improve benefits then the claims will go up significantly, which means future premium increases. In the short term $5 per member would suffice but in the long term, a $10 increase may be necessary to continue the policy.