Wildcat Club to pay for catastrophic injury insurance

CatThe Lake Highlands Wildcat Club has announced it will fund catastrophic injury insurance coverage for athletes and other students participating in UIL activities for the remainder of the school year, and Richardson ISD will pick up the burden after that. This is a major improvement (hopefully one which will never be needed), since RISD had been one of just 5 out of 65 of the largest school districts in DFW which provided none.

The policy will have a $25,000 deductible, meaning most injuries – things like broken legs or torn ACLs – would be covered by parents’ insurance. Only something catastrophic – a spinal cord or similar injury – would fall under the new policy.

“These injuries are actually quite rare,” said Scott Johnson, president of the Wildcat Club, “but if something does happen, we’ll be providing a lot of coverage – $7.5 million over ten years. The board felt like we should do whatever we could for the kids.”  The coverage extends to cheerleaders, members of the band and other UIL participants.

“The RISD is one of the few that didn’t have catastrophic injury insurance, and that surprised a lot of people, including the Wildcat Club,” Scott told me. The Wildcat Club will pay to cover LHHS, LHFC, LHJH and Forest Meadow, and the district will pay to include the four high schools and their feeder schools next year.


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  • Wildcat Dad

    Glad to see this being done. I wish there was some way to extend benefits to cover the more common injuries.

    The article mentions that “most injuries…. would be covered by parents insurance”. The reality is that many LH parents don’t have insurance, and many of those who do have a high deductible plan. Even those with insurance may pay a lot out of pocket for injuries over the course of a high school athletic career. My son played both football and basketball in RISD every year from 7th thru 12th grade. By the time it was all over his medical bills totaled about $20,000, much of it out-of-pocket. Thank goodness that two ACL surgeries were the worst we had to endure. I can only imagine how financially devastating a serious spinal cord or head injury would be.

    It does make me wonder how many potential athletes are discouraged by their parents from participating in HS sports due to the significant financial risk. I’ll bet a much more common scenario is parents encouraging their kids to be low injury risk golfers, cross country runners, or swimmers instead of football or basketball players with the higher risk for injury.

    The logical extension of this line of thinking is – are the sports programs of more affluent districts whose parents are more likely to be covered by a good insurance program (Allen, Southlake, Jesuit) more successful than less affluent districts (Sunset, Skyline, etc.) where participation may be discouraged by parents due to the financial risk of injury?

    Kudos to the Wildcat Club for taking an important step in protecting the kids and LH families from potentially devastating circumstances.

    most
    injuries – things like broken legs or torn ACLs – would be covered by
    parents’ insurance – See more at:
    http://lakehighlands.advocatemag.com/2014/01/wildcat-club-pay-catastrophic-injury-insurance/#sthash.eeGktxgu.dpuf
    most
    injuries – things like broken legs or torn ACLs – would be covered by
    parents’ insurance – See more at:
    http://lakehighlands.advocatemag.com/2014/01/wildcat-club-pay-catastrophic-injury-insurance/#sthash.eeGktxgu.dpuf