South Dakota does not require Workplace Accidental Insurance for O/O's....My last carrier demanded I have it, probably for the reasons you posted...I now have a choice.
But Hawk it appears to be in the lease? The resident is just in a expensive hotel room with room service... Nothing can or should be expected from them ...common courtesy would be nice tho but it's not a mandate.
I see nothing wrong with that policy... This is America... You get the service you pay for... The lady was NOT a patient... She had a lease and details Were probably included about policy. That is like expecting the laundromat attendant to catch the rinse cycle for you.
All you need is to collect for a nice chunk of time off like me 8 weeks for carpel tunnel ...work related 75% of my gross about $4,000 worth... Got my premium money back, as premiums are a business expense. Regular HC provider paid medical bills..
happiness is fleeting...just look at Underdog...November he was at his end....today he is ready to buy the COE a dinner...funny what a load or 2 can do...;)