Hockey Canada knows that we have a responsibility to ensure that adequate financial resources are in place to compensate those that are injured while playing hockey. One of the benefits of being a member of Hockey Canada is knowing that you have an exceptional insurance program that has been built with the needs of its members in mind. It involves good financial management, so that funds are in place to meet claims obligations when they fall due. It also includes establishing control mechanisms so that only genuine claims are reimbursed.
With the assistance of the Hockey Canada Insurance Committee, Hockey Canada has engaged what it feels is an effective insurance carrier who knows the needs of our organization for policy coverage in the areas of commercial general liability, sexual misconduct liability, directors and officers liability, and accidental death and dismemberment coverage. A great amount of research and dialogue ensures that we are delivering effective coverage at a fair premium for our members.
The medical/dental coverage offered is a self-administered secondary insurance program that is managed by Hockey Canada. This coverage assists members who may not have private secondary coverage for services such as dental and physiotherapy to the limits set within the policy. The policy also assists members who have exhausted their limits within their private coverage to our policy limits.
Even with all of the coverage we have outlined above Hockey Canada is able to maintain a low premium. The premium is based upon the total membership of players in Hockey Canada, and by the continual focus on safety by its branches, minor hockey associations and membership. All the members of Hockey Canada have the ability to assist in keeping our exposure to a minimum by practicing risk, conduct and safety management on an ongoing basis. We need to continue to work together to stress strong skill development, effective rules and enforcement, and respect in the game. By growing our efforts in these areas we will continue to keep our game safe, recruit and retain players, parents and volunteers and deliver the strong insurance program we currently deliver.
Risk management and insurance fee rates are applicable for Minor and Female players, Level 1-3 Referees, coaches, managers and trainers/safety people. There is an additional charge for Major Medical/Dental Insurance coverage for Junior, Major Junior, Senior, and Adult Recreation players, as well as Level 4-6 Referees. These fees vary across the country depending on claims experience and individual Branches may charge a Branch Administration Fee. Volunteers and staff insurance fees are incorporated in the fees paid by players, coaches, managers, and trainers/safety people.
The current premium is $16.15, the following is how this breaks down:
WHO IS ELIGIBLE / WHAT IS COVERED?
Hockey Canada and each of the Branches of which hockey Canada is comprised is specifically named as an insured, as well as all sub-associations, leagues and teams which form a part of Hockey Canada. Coverage includes any officer, director, employee, coach, volunteer worker, instructor, referee, safety person, or member of a committee while acting within the scope of his/her duties. It includes members of teams, leagues, Branch teams, zone/division teams, national teams or international teams provided all are registered with or affiliated with Hockey Canada. It includes any sponsor or any team of Hockey Canada but only with respect to his, her or their liability as such; and it includes any owner of any insured team.
NOTE: A “volunteer” is a non-paid person donating his or her time and who is assigned specific duties and for whom a premium has been paid.
The premium will have been submitted by the local MHA, team or league on behalf of all its members. It includes a formula that incorporates the “volunteer” member fee into the overall fee paid on behalf of its player participants.
Each HNO member for whom a premium has been paid is entitled to the following coverage under the Hockey Canada National Insurance Program:
- Comprehensive General Liability
- Accidental Death and Dismemberment
- Major Medical and Dental Coverage
- Sexual Misconduct Liability Insurance
- Directors and Officers Liability Insurance
For more detailed information on this member benefit and its coverage, please continue to the Insurance Programs section and/or refer to the Hockey Canada Safety Requires Teamwork booklet.
WHEN ARE YOU COVERED?
You are covered:
- During Hockey Canada/HNO sanctioned events (league games, tournaments, practices, training camps, and sanctioned fundraisers) involving and/or when playing other member teams only.
- During transportation directly to and from the arena or venue for sanctioned events.
- In accommodations while billeted or at a hotel during Hockey Canada/HNO sanctioned hockey activity.
Teams will only be permitted to enter USA Hockey sanctioned tournaments or play USA Hockey member teams in exhibition games.
Teams need to be aware that they require additional Health Insurance when leaving the country. Provincial Health Care Plans will cover out of province medical expenses and Hockey Canada insurance has specific limits that apply once the primary & secondary insurance coverage has been exhausted, however these policies may not be sufficient if an injury occurs in the USA or abroad.
Always ask the travel insurance company you are dealing with if they cover injuries that occur while playing sports.
Sanctioned events take place within clearly defined parameters set out by your Branch and its constituents. These can include association, team and league schedule practices, games, evaluations/tryouts and related activities. These activities, which would qualify as “normal” hockey program delivery, all fall within the scope of regular day to day operations of a minor hockey association, team and league, and do not require specific sanctioning authority. However, program extensions such as dry land training camps, exhibition games and tournaments, all require separate specific sanctioning.
It is also understood that in the course of annual programming many team, association, and league activities can fall outside what is considered to be normal programming. These kinds of activities usually occur away from the arena venue and in the surrounding community where opportunities exist to enhance the programs offered to our teams. It is important that you check with your Branch or Minor Hockey Association if planning an event outside of normal programming such as fundraising and team social events.
COMPREHENSIVE GENERAL LIABILITY
The liability coverage is designed to cover Hockey Canada members for their on and off-ice activities while participating in Hockey Canada Sanctioned hockey events. This coverage responds on behalf of an individual who has paid a premium or had a premium paid on their behalf, and who is named as a defendant in a lawsuit alleging that, that individual was negligent doing whatever it was they were alleged to have done or did not do what they should.
ACCIDENTAL DEATH AND DISMEMBERMENT
AD&D insurance covers very serious, permanent injuries that might occur while participating in a Hockey Canada/Branch sanctioned activity. This coverage is in addition to any other valid and collectable insurance policy. There are two classes of eligibility for this insurance policy:
– Class 1 – All members of registered teams including coaches, trainers, safety people and assistants, referees, league/association executives, Hockey Canada personnel under the age of 70.
– Class 2 – All volunteer members of hockey Canada under the age of 80.
MAJOR MEDICAL & DENTAL COVERAGE
This insurance augments Provincial, Medical and Hospital plans. It covers players, coaches, trainers/safety people, referees, and other designated volunteers against accidents that occur during participation in a Hockey Canada/Branch sanctioned activity. This plan is designed to provide coverage for those who might otherwise not be covered by any other group health insurance plan. It can also serve as a supplement to other similar coverage an individual or family may hold, to achieve maximum allowable coverage. It is not applicable as an addition when another plan’s coverage meets or exceeds the allowable amount.
SEXUAL MISCONDUCT LIABILITY INSURANCE
For further information on Sexual Misconduct Liability Insurance please contact the HNO office.
DIRECTORS AND OFFICERS LIABILITY
Directors and Officers Liability relates to the legal obligation to manage the affairs of the association with honesty, loyalty, care, skill, in good faith and with due diligence. The directors and officers of an organization are those considered the most responsible and therefore the most potentially liable for any wrongdoing or harm that comes about in that organization’s activities. As a director you may be personally liable for such things as: employee discrimination, wrongful dismissal, activities of volunteers and/or employees, enforcement of Association or government regulations, providing advice to members, unpaid wages, uncollected withholding taxes.
This member benefit is designed to protect your association executive and directors against claims for damages and/or liability while carrying out association business and acting within the scope of their designated responsibilities as outlined in each association’s constitution, bylaws, and regulations as they currently exist and are registered with the Societies Act for the current operating year.
Hockey Canada’s D&O Insurance Program covers the directors, officers, staff members, employees, and volunteers of all Minor Hockey Associations, Junior Teams, Branches, and Major Junior Hockey Teams and Leagues for their exposure to legal action(s) and other claims arising from alleged wrongful acts which they are believed to have committed while acting in their hockey related capacities.
When coverage applies, the policy will provide for an insured’s defence against the unreported claim. If an insured is found liable for damages sustained by a claimant or plaintiff, coverage is provided for such damages subject to the terms and conditions of the applicable policy.
In the event that a director or officer should receive an action or demand letter against him/her the Branch Office must be advised immediately so that proper steps can be taken to investigate and defend the case.
WEEKLY INDEMNITY INSURANCE PROGRAM
This benefit, also known as the Income Replacement Program, is designed specifically for team officials and on-ice officials to provide an income supplement to help compensate for wage loss due to injuries sustained while participating in games, practices, and related activities sanctioned by HNO. You are eligible to participate in this Plan if you are a Coach, Assistant Coach, Accredited Trainer or Referee of Hockey Canada. Please contact the HNO office for further information.
OTHER OPTIONAL PROGRAMS
Property Insurance: Provides coverage against “All Risks” of direct physical damage to the Minor Hockey Association’s property. This would include office furniture, equipment, sound equipment, video equipment or any other property belonging to the Association/Team/League. Also included, is coverage for equipment etc. that has been temporarily removed from the arena/office by a responsible person of the Association/Team/League to work on Association/Team/League business.
Dishonesty Insurance: Provides coverage for Associations/Teams/Leagues who may fall victim to their funds being stolen by an employee or volunteer, who is part of the organization and who may have access to the Organization’s funds. It covers the Association/Team/League against the fraudulent use of funds by a member of the Organization.
Money and Securities (Broad Form): Associations/Teams/Leagues have access to moneys collected from members or through fundraising events. This money can be insured against a hold-up or a break-in a t the home of the custodian. This coverage can be very important, as it is not always possible to make bank deposits immediately following a fundraiser and such a loss could have a serious effect on the Organization’s operations. This form would also provide coverage against money and securities on a 24-hour basis against the perils of theft, burglary, hold-up and fire.
Electronic Data Processing: This coverage applies to your computer, software and data and includes the extra expenses to re-constitute lost information as a result of a covered loss. The coverage has been extended to cover the equipment while temporarily removed from the arena/office by a responsible person of the Association/Team/League to work on the Organization’s business.
Legal Expense Insurance: Provides your Association/Team/League financial assistance to find an amivable or judicial solution to legal dispute. Covers only legal/judicial fees not damages. Also provides telephone legal assistance.
How to Access
A branch specific Hockey Canada Injury Report form must be completed for each and every serious injury, accident or death that occurs to a Hockey Northwestern Ontario member during any sanctioned event. A Branch specific Injury Report form can be obtained from your local minor hockey association, or by clicking here.
The player, parents and team must work in conjunction to ensure that these reports are completely and accurately filled in and submitted to the HNO office within 90 days of the incident.
Making a claim
SECURE a branch specific Hockey Canada Injury Report Form from your team, MHA or the HNO website.
COMPLETE the form in its entirety. Have your team official complete the team section and your Physician/Dentist complete the back of the form.
SUBMIT the fully completed form to your Branch office within 90 days of the date of accident. You have 52 weeks from the date of injury to submit any receipts/invoices.
- Only Injury Report Forms received in the Branch office within 90 days of the accident will be accepted.
- Forms must be completed in their entirety or they will be returned.
- Only original receipts/invoices are acceptable.
- Hockey Canada is strictly a supplemental insurer. If you have access to any other insurance, you must pursue it through them first. Hockey Canada shall cover those costs not covered by your primary insurance to their policy limits.
- Depending on the nature of the incident, Hockey Canada may choose to manage claims as they see fit.
When an injury occurs at a Hockey Canada/Branch sanctioned event, a teamofficialshould complete all pertinent information on the branch specific Hockey Canada Injury Report form. The Injury Report form should then be given to the parent and/or player for a signature, completion of the Health Insurance Information section can be filled out, and obtaining the Physician Statement.
Submit the Injury Report Form to the branch office within 90 days of the injury.
If making a claim, receipts/invoices must be submitted to the Branch Office, citing the injury date, within 52 weeks from the date of injury.
The time required to process a claim will vary due to the type of claim being made and the time of year. The process could take 6-12 weeks from the date it is received in our office. It is based on a first come, first served basis.
All Injury Reports Forms and accompanying paperwork is processed through the Branch Office before it is sent to Hockey Canada’s Head Office for final processing.All reimbursement cheques are issued from Hockey Canada’s head office in Ottawa.
INJURY REPORT FORM
A Branch specific Injury Report form can be obtained from your local minor hockey association,or by clicking here.
- Expenses not submitted within 365 days of the date of accident
- Injury Report Forms not submitted within 90 days of the accident
- Benefits eligible for payment by an Employee’s Private Medical and/or Dental Plan
- Any benefits provided or paid by any Government hospital or Medical Plans
- Purchase, repair or replacement of eyeglasses or contact lenses
- Cost of replacement or repair of artificial teeth or dentures
- Expenses of a knee brace or similar device to be used solely to participate in hockey
- Injury resulting from war or any act of war, whether declared or undeclared
- Sickness or disease either as a cause or effect
- Air travel
- Equipment replacement
WHAT IS COVERED?
Comprehensive General Liability including Personal Injury and Property DamageThe Hockey Canada Liability Policy will provide up to $20,000,000 of coverage with respect to a single liability occurrence, as dictated by the terms and conditions of the policy. Any additional costs that are over and above the $20,000,000 limit must be borne by the named individual and/or their respective homeowner’s insurance, to the extent that may apply.Accidental Death and Dismembermenta) Table of Losses
|Loss of life||$25,000|
|Loss of entire sight or both eyes||$50,000|
|Loss of speech and hearing in both ears||$45,000|
|Loss of one hand and the entire sight of one eye||$45,000|
|Loss of one foot and the entire sight of one eye||$45,000|
|Loss of the entire sight of one eye||$35,000|
|Loss of speech||$30,000|
|Loss of hearing in both ears||$30,000|
|Loss of hearing in one ear||$15,000|
|Loss of all toes of one foots||$15,000|
|Loss of or loss of use of:|
|Loss of use of both hands||$45,000|
|Loss of use of both feet or both legs||$45,000|
|Loss of use of one hand and one foot||$45,000|
|Loss of use or one arm||$30,000|
|Loss of use of one leg||$30,000|
|Loss of use of one foot||$30,000|
|Loss of thumb and index finger of the same hand||$15,000|
b) ParalysisClass 1
|Quadriplegia||total paralysis of both upper and lower limbs||$1,000,000 under 70 years of age|
|Paraplegia||total paralysis of both lower limbs||$1,000,000 under 70 years of age|
|Hemiplegia||total paralysis of upper and lower limbs of one side of the body||$1,000,000 under 70 years of age|
|Serious brain injury resulting in permanent total disability||$1,000,000 under 70 years of age|
|Quadriplegia||total paralysis of both upper and lower limbs||$50,000 under 80 years of age|
|Paraplegia||total paralysis of both lower limbs||$50,000 under 80 years of age|
|Hemiplegia||total paralysis of upper and lower limbs of one side of the body||$50,000 under 80 years of age|
c) Other coverages directly related to the AD&D policy when applicable include:
- Emergency Travel Benefits – $250
- Funeral Expense – $10,000
- Eyeglasses and contact lens expense – $250
- Rehabilitation benefits – $25,000
- Home alteration benefits – $25,000
- Repatriation benefit – $25,000
- Tutorial fee benefits – $5,000
d) Critical Incidence Stress Counselling
- Off-ice maximum per incident pre insured – $2,500
- For all insureds – $10,000
- Off-ice maximum per incident – $2,500
2.4.3 – Major Medical/Dentala) Accidental Dental Expense BenefitWhen accidental injury to whole or sound teeth shall, within 30 days, require treatment, the plan will pay for reasonable expenses actually incurred within 42 weeks after the date of the accident.Maximum $1,250 per tooth, up to a $2,500 maximum.If, due to the age of the covered members, dental development is not sufficient to permit treatment within 52 weeks, a report from the dentist or dental surgeon is required within 90 days of the date of accident, stating pertinent facts as to the damage. On receipt of a satisfactory report, the incurred expenses will be paid, subject to a maximum future treatment limit of $2,500. Capped or crowned teeth shall be deemed as whole or sound.b) Accidental Medical Treatment BenefitsWhen my reason of injury, and within 30 days from the date of accident, the insured person required medical treatment or incurs expenses for any of the following services, while under the regular care and attendance of a legally qualified physician or surgeon who is not a member of the immediate family of the injured person with respect to items 1 through 7:
- Private duty nursing by a licensed graduate nurse (R.N) who does not ordinarily reside in the insured person’s home or is not a member of his/her immediate family;
- Ambulance transportation, when such service is provided by a Professional Ambulance Service of the nearest approved hospital which is equipped to provide the required and recommended necessary treatment, ambulance expenses will be reimbursed at 100%;
- Hospital services for which benefits are not provided by any Federal or Provincial Government Hospital Insurance Plan administered by the Province or Territory in which the insured personal normally resides, whether paid or not;
- Rental of a wheelchair, iron lung and other durable equipment for therapeutic treatment, not to exceed the purchase price prevailing at the time rental became necessary;
- Fees of a licensed physiotherapist, athletic therapist, chiropractor or osteopath recommended by a legally qualified physician or surgeon, will be reimbursed up to $500 in any one hockey season. No payments will be made to any team personnel who refer players to their clinic for treatment.
- Drugs and medicines purchased by prescription made by a physician or surgeon.
- Miscellaneous expenses such as hearing aids, crutches, splints, casts, trusses, and braces, but excluding replacement thereof.
Hockey Canada will pay the necessary expenses actually incurred, therefore, by or on behalf of an insured person within52 weeks as a result of any one accident. Any sub limits or co-insurance indicated above shall apply.Hockey Canada shall not be liable for any expense incurred for treatment or services by a legally qualified physician or surgeon.The policy is subject to and shall not contravene any Federal or Provincial statutory requirement with respect to hospital and/or medical plans, nor shall it duplicate any benefits which are provided under any Federal or Provincial Hospital or Medical Plans, or any other providing a reimbursement expense.c) Prosthetic Appliance BenefitMaximum $1,000.Will pay all reasonable costs for the purchase of artificial legs, eyes, etc. necessitated by accidental injury.d) Tuition Expense BenefitMaximum $2,000.In the event that an accident confines the covered member to his or her resident or hospital for a period in excess of 40 consecutive school days, within 30 days of the accident, the cost of tutorial expenses of a qualified teacher will be paid to a maximum of $10/hr.e) Emergency Taxi and Travel Expense BenefitMaximum $140 per accident.The benefit will pay the reasonable expense incurred for a licensed taxi to transport the eligible member to the nearest hospital or a doctor’s office, where immediate medical attention is required. In certain circumstances Hockey Canada will consider the reimbursement of fuel for a volunteer who provides the same service due to immediate need of medical attention.The Travel Expense Benefit will pay the cost of all reasonable travel expenses incurred as a result of an accidental injury. Treatment must begin within 30 days of an accident for coverage to apply.NOTE: For the emergency taxi benefit and the travel expense, all bills or receipts must be submitted.f) Loss of Income BenefitMaximum $250/week, $1,000/claim, 14 day waiting period.In the event that an accident results in the covered member incurring a loss of earnings in excess of 30 consecutive days we shall provide reimbursement for those earnings lost for the next 30 day period. We shall do this based on $250 per week/$1,000 maximum per claim limit. This benefit is not intended to reimburse for missed Officiating assignments, or act as a supplemental to any other loss of income benefit. Proper documentation of the lost earnings in the form of a Statement of Earnings and Deductions will be required.g) Concussion InjuriesConcussion injuries involved many different interventions. Hockey Canada will consider the following coverage related to a concussion which has been diagnosed by a physician.
- Physiotherapy under the current maximum of $500 per year.
- Neuropsychology, which falls under the current physiotherapy maximum per year.
- Tuition expenses as previously described.
- NOTE: Hockey Canada Insurance does not cover expenses for baseline testing.