Kathie Cerveny (kathie@DELTA.EECS.NWU.EDU)
Tue, 28 Dec 1993 10:03:02 -0600
> What I found out is there are two types of insurance. The first one is
> the unit medical policy which is set up by each pack or troop at
> re-chartering time. This is a secondary policy and only become primary
> if no primary exists for the youth member or adult leader. This has a
> maximum of $6000 in medical and $14,000 total benefits.
-----This is not quite correct nationwide. As has been stated in the past and
as is explained in the basic training courses for all programs -- (you will
also find insurance sessions at pow wows, and commissioner conferences, pack
and/or troop committee trainings, etc.) --
1. Insurance - liability - this was what was being questioned. As was stated
we all, as registered Scouters, have the coverage of $5,000,000.00 each for
liability. (that is ONLY true if we have followed ALL the rules and
regulations regarding the activity in question, even if we do not like the
rules). Liability does NOT pay medical bills. It is to cover law suits -- and
this protect our homes, assets, etc.
2. Medical -- the local council and/or National never DID handle health
(medical) insurance. The medical is up to the INDIVIDUAL unit to get or not --
it is their choice --
In Chicago Area Council - in each recharter package for each unit, there is
enclosed two (2) different supplemental insurance applications that the units
may use (one or the other). In Northeast Illinois Council, one (1) such
insurance application is enclosed in the recharter packages, however, the units
I have worked with have always carrried their supplemental medical insurance
from another, and local, agent.
In the case of the Scout who was hurt during the Food Drive -- the medical costs
are his parents policy responsibility, with the UNIT medical coverage coming in
to cover any left over costs, up to the limit of that coverage (and that is
assuming that the pack/troop has such supplemental insurance, which many, many
units do not.).
IF -- all procedures were followed, and all rules adhered to -- and if the
parents SUE for the remaining costs and damages, then, the liability insurance
In basic training -- we are instructed to make this significantly clear - since
most volunteers seem to think that the millions of dollars of coverage covers
medical. It never has and most assuredly never will.
What you found is your local council's flyer trying to explain the above. But,
no unit is required to carry insurance (medical). If they do not, a fee is
charged for every member of that uncovered unit at district and council
activities to offset the activity insurance that is to be provided with the
Food drives would not qualify as a council camporee, or district klondike. It
is those kinds of activities that extra charges are made for to install one or
two day coverage for the activity. I sincerely doubt that councils would
charge our scouts and scouters a daily fee to collect food. Therefore, the
councils are not providing medical coverage. The unit activity is
participation in the food drive, thus the unit should provide the coverage, if
the committee elects to do so, via supplemental medical.
Hope this clears up the issue -- it is really hard to explain unless you are
there in person.
Terry Howerton Sakima Group, Inc. SCOUTER Magazine Kansas City