> The cheaper one,
>$10/week for the employee, covers something like $10K
>of hospital bills (no surgery, IIRC), and max. $10K
>for accidents, $5K per accident. You know, like if
>you break your arm twice in a year.
My mother, who's in a nursing home in NJ, broke her elbow last year. She was taken to the hospital, her arm put in a cast, stayed there two nights, and returned to the nursing home. The bill, for extremely low-tech interventions: $21,000. So don't break your arm more than once every other year!
Doug