I now have $30,000 of accidental death and dismemberment coverage through my fabulous new job. My fabulous new desk job. Where I sit at a desk most of the day, interspersed with trips to the file cabinets, mail and copy rooms, and restroom. Can somebody please tell me why I need accidental death and dismemberment insurance for a job that, hopefully, won't put me in the way of anything that could accidentally dismember me?
Steph (my sister, as opposed to the others) pointed out that in the event of The Big One, my overhead cubicles could give way, and the crap inside of them could fall out. But most likely, I wouldn't be dismembered so much as knocked out and maybe buried under boxes of old stationery.
I suppose there could be a freak paper cutter accident. Or my fingers could get chopped off in a file drawer.
But if I were to accidentally die on the job, wouldn't that be covered under my life insurance? And what's considered an accidental death anyway? Would it have to be accidental on my part, or on the part of another party?
All these questions. Anybody have the answers?
North Korea Run and Bike Tours
2 hours ago
I think the dismemberment part could happen while you're playing in the revolving door.
ReplyDeleteI'm no insurance agent, but I think this insurance will cover you off the job as well. So imagine you get side swiped by one of those San Francisco trolley thingies and it severs your right arm. Your accidental death and dismemberment coverage will pay for your care and rehabilitation; meanwhile, your insurance company will go after those trolley people. The insurance is there so your credit card doesn't have to be!
ReplyDeleteI hadn't thought about the revolving door liability, Steph. You have a good point.
ReplyDeleteAs for the cable cars, realistically, the bigger danger is from the city buses. They routinely run over people, but most of those folks just die, they don't become dismembered. In any event, there are already several suits pending, and my company would just have to cue up. Good point though, thanks Jackie. And here I was, sitting at my desk being sad because it looked like nobody was reading today.
Several years ago I saw Death Cab for Cutie open up for the Dismemberment Plan in DC. A great show, to say the least. They called it the Death and Dismemberment Tour.
ReplyDeleteRandom...I know.
My ex worked for a symphony, and reading the D&D policy was creepy. Of course, musicians get more than average folk for losing a finger, but pinky pay-offs varied, as it's not so important for some instruments.
ReplyDeleteAnd watch out for those cable cars! In a 1970 court case, a woman got 50k after a cable car crash gave her a "demonic sex urge". Wonder what the pay offf for nymphomania is!
Random, but very funny. Thanks for the laugh!
ReplyDeleteAnd this is what I've been missing by not reading "Clairnation." This post and comments is worth getting back to my daily read!
ReplyDelete