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There are many ways to self-insure
Posted by NYSaab [Email] (more from NYSaab) on Wed, 9 Nov 2005 10:09:00
In Reply to: Re: From my experience, most do....., JimBlake
[Profile/Gallery]
, Wed, 9 Nov 2005 09:52:21
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In addition to true self-insurance where the company is liable for all lossess (though usually done throught a captive -- company owned -- insurance company), there are other ways to self insure.
The most common is the use of a deductible. The company will pay up to say $100,000 per claim and then the insurance company covers the excess. The premium is rated based on the size of the deductible.
The problem with GM and the like is multi-faceted. Its not just the premium being paid to insurers, but also the level of benefits, i.e., employee is entitled to two pairs of glasses a year instead of one (just doubled to the cost) or three dental cleanings a year instead of two.
posted by 69.122.203...
Posts in this Thread:
- OT: Why don’t large corporations self insure?, steve, Wed, 9 Nov 2005 08:57:16
- Really great for employees - while they are employed, DER, Wed, 9 Nov 2005 20:37:11
- they often do, Dean, Wed, 9 Nov 2005 14:34:23
- Probably for reasons of medical privacy., Jeff B, Wed, 9 Nov 2005 10:17:38
- Why don’t large corporations self insure? (long), michael p, Wed, 9 Nov 2005 09:36:43
- From my experience, most do....., MI-Roger
, Wed, 9 Nov 2005 09:19:02
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