LMAO!
Paul, have you checked into the Hartford? They have some pretty good rates, or at least they did a couple of years ago. They tried to sell us health insurance but my husband is retired military so we have that for primary insurance but we did take out a supplement through Hartford. Maybe you'll find something there.....if you don't find the woman with good benefits. :))
Pat
-------Original Message-------
Date: 01/25/05 17:34:20
Subject: [Market-farming] Health insurance for self employed farmers?
Hi,
I made a pretty scary discovery this summer. I have carried health insurance through Golden Rule insurance company for a few years. It is very basic, high deductable insurance with modest premiums. The agent swore up and down it covered farm type injuries. But I calleed the company direct this summer and they informed me of a clause that basically says if you get injured in a way that COULD have been covered by workmans comp (even if you aren't carrying that coverage for youself, which is outrageously expensive) they would not cover it! I was basically uncovered for over a year, which really pissed me off (hell all I did was work on the farm anyways). This is called a workmans comp exclusion. I have new insurance issued by the Nat'l Assn. for self emplyed that does cover work related injuries but it is pretty expensive and came bundeled with some other coverage that I don't need.
So the question: does anyone know of a low cost, basic (high deductble) type insurance taht does cover farmer work related injuries/illness? I have a quote from Fortis (now called Assurant), but have not been able to get my hands on language that assures work related coverage. Any experience with Fortis/Assurant? Other suggestions? Any ladies out there with great benefits that would like to marry a work-aholic farmer in exchange for free produce, undying devotion, and a great view of the CT hills? ;-)
Thanks,
Paul
Paul Bucciaglia Fort Hill Farm Organic Vegetables, Herbs, and Flowers 18 Fort Hill Rd. New Milford CT 06776 (860) 350-3158 www.forthillfarm.com
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