Health Insurance - Ask MHG
Medical & workers compensation insurance
I am not employed, or have been employed in the industry, but my wife has been in the industry since 93 and has held various positons (crew placement, chief stew, etc) Her most recent gig was chief stew on a private M/Y, that was flagged from one country, and docked in another outside of the US.
She was hurt on the boat while it was docked for between season work. Subsequently she had to return home for care on her injury (ankle). At first we thought it would be a 2-3 month leave to recover, but unfortunately it turned into a much worse situation. She has since had 3 surgeries, and has been out of work for 18 months. Fortunately her medical expenses have been covered by the boat and the insurance policy it has. Unfortunately her wages were not covered, and it has created a huge financial burden on us, to the point where we may file for bankrupcy, and worse, we may loose our house.
Sadly, this is a very serious issue that requires awarness brought to all involved. I would hope that the industry, through crew agencies will bring this to light for owners and crew to be fully aware, and protected. As it is now, it seems as though this industry has the ability to treat crew as a commodity rather than a valued employee.