THOROUGHBRED RACING ASSOCIATION OF OKLAHOMA BENEVOLENCE GUIDELINES

These guidelines have been established to outline the benevolence benefits funded by the TRUST division of the Thoroughbred Racing Association of Oklahoma. This is a guideline of the benefits and eligibility requirements for this benevolence program. This guideline is as accurate as possible; this guideline is not the final disposition.

FACTS:

• This is NOT an insurance program. It is an Owner funded assistance program
  
• This program is NOT intended as a SUBSTITUTE for private insurance. All TRAO members are urged to carry insurance from a provider in case of catastrophic illness
  
• The benevolence Trust Committee has the FINAL determination of ALL claims filed
  

ELIGIBILITY:

• TRAO Members (Owners, Trainers)
  
• TRAO Members Employees’ (Full-Time employees’ include the following; Assistant Trainers, Exercise Personnel, Foreman, Grooms, Hotwalkers of the current live meet) (Full-Time employees’ must be continuously employed by the TRAO member trainer for no less that (30) consecutive days) (TRAO Benevolence Committee has the right to inspect payroll verification to insure that employment guidelines have properly been met)
  
• To become eligible for Benevolence assistance, the TRAO member must have (3) starts at the current live meet or a combination of (3) starts between (2) Oklahoma thoroughbred meets that are in operation simultaneously.
  
• Free lance Exercise Personnel and Pony Personnel are NOT eligible for benevolence assistance
  
• ALL requesting benevolence assistance MUST fill out a benefits request form and provide OHRC license. Benevolence benefits will be denied until these steps have been completed. All TRAO members’ employees’ requesting benevolence assistance must have their employer (Trainer – Assistant Trainer) sign the benevolence request prior to the issue of benevolence assistance.
  
• Owner, Trainer and Assistant Trainers dependents under the age of 18 are eligible
  

BENEFIT LEVELS

• MEDICAL $2,500 PER CALENDAR YEAR (INCLUDES RX)
  
• DENTAL $500 PER CALENDAR YEAR
  
• VISION $200 PER CALENDAR YEAR
  
• EMERGENCY APPROVED ON INDIVIDUAL CASE BASIS
  
• DEATH APPROVED ON INDIVIDUAL CASE BASIS
  MAXIMUM FAMILY BENEFIT PER CALENDAR YEAR IS $4,000
  

All appointments through TRAO partners will incur NO out of pocket expense until the maximum benefit assistance level is met. After the benevolence maximum is exhausted the TRAO member or the TRAO Member employee is solely responsible for the remaining balance. If you use the service(s) of your own private physician, you must submit original receipt(s) for re-imbursement.

When submitting re-imbursement for RX, the original receipt must accompany the request. This includes what the prescription is written for.

TRAO will supply copies to the benevolence requester of the original receipt if requested.
ALL benevolence requests must be made within (30) days after the close of the current live meet
ALL benevolence requests must be made within (60) days of the procedure

NOT ELIGIBLE FOR BENEVOLENCE ASSISTANCE

• INJURY/ILLNESS DERIVED FROM AN EMPLOYMENT SITUATION (ANYTHING ASSOCIATED WITH WORKING) (INCLUDES RX)
• DRUG/ALCOHOL/SUBSTANCE ABUSE (INCLUDES RX)
• COSMETIC SURGERY (INCLUDES RX)
• SEXUAL ENHANCEMNT (INCLUDES RX)
• SEXUALLY TRANSMITTED DISEASE (STD) (INCLUDES RX)

Please contact the TRAO office if you have any questions.

Thoroughbred Racing Association of Oklahoma
ATTN: Danielle Barber
One Remington Place
Oklahoma City, Oklahoma 73111
405-427-8753

UPDATED: JANUARY 2010

 

 
All Content Copyright © 2010 Thoroughbred Racing Association of Oklahoma