More Than 50% of Pro Riders Feel They Wouldn't be Adequately Financially Supported After Injury - State of the Sport Survey

May 5, 2021
by James Smurthwaite  
Welcome to the 2021 Pinkbike State of the Sport Survey. This anonymous survey is designed to help shed light on key issues affecting the professional field and elite competition. We surveyed the best riders in the world to hear their thoughts, ideas, concerns, and criticisms on mountain biking in 2021. We invited any rider who had finished in the Top 40 overall of their chosen discipline in either of the previous two seasons in either XC, enduro, downhill, or slopestyle & freeride, as well as notable non-competition riders and highly ranked juniors. To read the introduction to the survey click here, and to see all the other currently published SOTS articles click here.


Mille took a big slam but came back to take 2nd in juniors

The Pinkbike State of the Sport Survey has revealed that more than half of professional riders feel they would not be adequately supported in case of an injury.

Of the 196 riders surveyed, 101 (51.5%) either disagreed or strongly disagreed with the statement, "I would be adequately financially supported in case of an injury". 42 (21%) riders answered the question neutrally while only 53 riders (27%) felt they would be supported.

Of course, "adequately" could mean different things to different riders but even in the past few years, we've seen high-profile riders such as Brook MacDonald and Paul Basagoitia benefit from crowdfunding to supplement their recovery costs. Could lower profile riders with less cultural cache or a less well-publicised injury do the same?

This seems to be a trend across all disciplines, but freeride athletes, in particular, seemed the most worried about this. They had the highest proportion of riders who disagreed to some extent with the statement at 61.91%, From our freeride specific section of the survey, 63.2% of riders also agreed to some extent with the statement, "I have felt pressure to drop in at an event despite not being comfortable with the conditions." Although, it's worth noting that only 21 freeride/slopestyle athletes responded to the survey, far fewer than the other disciplines.

Enduro racers felt they were the next least secure at 54.69% followed by downhill at 54.29%. XC was the only discipline where a minority of racers felt they wouldn't be supported at 38.46%. Perhaps because of this, 70.9% of all respondents take out private insurance of some kind in case of injury or loss of earnings. In every discipline, the majority of riders take out private insurance, but freeride has the highest proportion (76.19%) followed shortly by downhill (76.06%) and the lowest uptake is in enduro (64.06%).

Some riders feel pressure to come back early from injury

We also asked riders to respond to the statement: "I have felt pressure to come back early from an injury". In total, 33.5% agreed with the statement and 41.6% disagreed with the remaining riders answering neutrally.

The disparity between freeride and slopestyle and the rest of the disciplines remained from the previous questions and this was the only discipline where a majority of riders had felt this pressure—57.15% of slopestyle riders had felt pressure to come back earlier from an injury, compared to 39.44% in downhill, 25.4% in enduro and 23.07% in cross country.

Whether this pressure is merely perceived, or overtly applied by sponsors and fans, it's clear that the precarious employment of professional mountain bikers contributes to some riders coming back from injury too soon. We asked riders what their sponsors value and more than 50% of riders said it was, "consistent results in my chosen discipline", something that would be impossible if they were off the bike with an injury. Other highly valued assets included, "active social media" (23.4%), "good, one-off results" (13.2%) and "face-to-face interaction with the public" (6.1%).

Riders are especially worried about concussions

As the science around the topic grows, it is becoming clearer that concussions can have long-lasting and serious effects on athletes even after they retire from the sport. Recent high-profile cases in mountain biking such as Anneke Beerten and Ethan Shandro show that head injuries are being taken more seriously, but they are still a grave concern for riders.

Riders were asked to respond to the statement, "I am worried about the long-term effects of concussions" and 29.8% strongly agreed and a further 40.9% agreed to it. in total less than 10% of riders disagreed to some extent with the statement. These results are consistent between the main racing disciplines but do not seem to be echoed in freeride and slopestyle, where nearly 30% of riders said they were not worried about the long-term effects of concussions.

The survey also showed that a majority of riders also believe there is not enough education for riders about concussions with 54% disagreeing with that statement. Thankfully, the UCI updated its guidelines surrounding concussions last year based on the 2017 Berlin concussion consensus, and the sport is slowly taking traumatic brain injury more seriously.

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Member since Nov 14, 2018
1,770 articles

  • 69 0
 This is hardly a surprise. My experience as a Trades-person has been that if you are injured even by negligence you are whisked out of there and black listed. For Competitive sports, your spot is gone the second you hit the ground for most people. just my 2cents
  • 11 0
 I can back that up. I broke my leg and lost my spot. Simple as that.
  • 160 31
 This is hardly a surprise. 50% of the pro riders they interviewed are from the U.S. and face the highest medical costs in the world because of a scam known as "privatized healthcare".
  • 47 165
flag SlodownU (May 5, 2021 at 10:29) (Below Threshold)
 @scott-townes: Our government is inept. I trust "privatized healthcare" more than our governments ability to administer healthcare to 500M people.
  • 67 9
 @SlodownU: Government wouldn't be administering healthcare, just removing the middle man that is insurance companies. What gives them the right to determine who gets care and who doesn't?
  • 56 3
 @SlodownU: We have 500M people? At best the illegal immigrant population is 11M. Add that to the 330M we already have and you get something that is not 500M
  • 17 1
 @scott-townes: yep, here if you break a leg you better start a gofund me account on the way to the ER.
  • 28 0
 @scott-townes: @scott-townes: It would be really interesting for them to break down the responses by country. Like you, I think that health care concerns from major injury are a bigger source of anxiety in the US than in other places.

I was a couple of payments away from paying off the 3.5k in uncovered cost (my insurance premiums are over 1k a month for our family for the "best" insurance available through my employment in public schools) for my son breaking both his arms a year ago.

He just broke his arm again. I just called the hospital and told them to total it up and add it to the bill.

I'm pretty sure I"m going to start carrying Spot or another MTB-focused waiver insurance on him and myself. I've heard about another "velosurance" or something that covers injury and bike theft.

Anyway, we have good jobs and good insurance, and this has been a hardship for us. I can't even imagine how other families in worse situations deal with unexpected health care costs.
  • 15 9
 @jeremy3220: Healthcare sucks in the US no doubt, but there are many people with decent employer sponsored plans. While biking I recently broke my collarbone and separated my shoulder bad enough to require surgery. I've paid $1250, my out of pocket max, and everything else is fully covered. Yes that's a huge chunk of change, but for many people not completely life changing. Healthcare can be done well in the US.
  • 11 1
 I’m also a tradesman. I’d love to say I disagree with you. But I don’t. I have seen it many times people hurt at work are not seen the same by management. Best bet is to find a company with a safe work culture. Not easy for everyone to do tho. I also used to believe management at inductions when I was told “we will never put production in front of safety” after 25 years in industry I’m finally working somewhere where I can see that reality getting closer and closer.
  • 15 4
 @PTyliszczak: when the average US household has (far) less than $1250 in liquid capital it is a huge chunk of change indeed.
  • 13 1
 @PTyliszczak: You should consider yourself lucky. Most people in the US, even those with what would be considered a good health plan would have much higher out of pocket maximums. Most decent plans have deductibles higher than $1,250. Its awesome that you have that kind of coverage, but don't assume everyone else has anywhere near something like that. The vast majority of people do not.

And that has nothing to do with how well healthcare can be done here. It simply means that whoever your employer is likely pays more for that good health plan. Unfortunately most don't.
  • 1 0
 @Hogfly: Bummer about your son. If possible try to use a non profit hospital. In my very limited experience, they seem to be more negotiable about payments. My mother's long battle with cancer may not have been as long if the local hospital wasn't a non profit.
  • 2 0
 @sino428: It's absolutely crazy how bad insurance has gotten There was a time when a huge benefit of working in public education was the high quality of the insurance. As I detailed above, I pay for the best insurance available to public school employees in Arkansas and still have a high deductible and pretty crappy coverage on prescriptions and such. I experimented with an HSA and high deductible for a while, but the math ended up not working on that either in the long run.
  • 2 0
 @kcy4130: Definitely! We use Arkansas Children's Hospital network for our kids and they're amazing. Very easy to work with their billing department and they try to help you out as much as possible.
  • 21 1
 @PTyliszczak: What happens if you lose your job? No more healthcare. Having the quality of coverage tied to your job is insane.
  • 3 0
 @Hogfly: Yea, unless they have had a major injury or illness I don't think many people realize how much you can still be on the hook for even with "good" insurance.
  • 22 0
 @Hogfly: one grand a month on insurance? God love the NHS while we still have it.
  • 24 2
 @scott-townes: It's probably exactly that. Having a fully privatized health care and health insurance system is absolutely mental and in no way adequate in a civilized country.
  • 9 3
 @deaf-shredder: Like the VA healthcare system that is so highly rated and adeptly run?
  • 27 10
 @sspiff: how many US households have payment plans for the latest cells phone they don't need, a vehicle payments, and credit card bills for their shopping habits but complain they have no savings or the ability to weather a rainy day, week, or month? We as a nation have a spending/consumption problem combined with little to no basic financial education.
  • 9 2
 @BenTheSwabian: Yeah my mind is blown by this discussion. When I get injured my first thought is around my ability to do my job, something I view as important and rewarding to me, and my recovery and I'm definitely not scared about the cost of that care and whether or not I can afford it. The tried and true counter argument is that we have longer wait times and the quality of our care is not as good. That hasn't been my experience and I have not seen stats to support it being a significant concern for other Canadians.
  • 21 1
 I love our "socialist" healthcare system in Germany. Received 1st class treatment after my nasty knee injury and I don't even have private health insurance, just the mandatory base coverage. 1st class means doctors and Physio therapy from professionals who also work with athletes on the national football team.
Overall I probably spent less than 100€ on treatment and medication out of my own pocket.
  • 6 7
 @sspiff: how many have the latest iPhones and a cool new car.
  • 7 10
 @Hogfly: sorry to hear about your son. My boys have had MX and MTB injuries. So have I. These are high risk sports and should be treated as such. If you have no means of paying your medical bills it might not be worth the risk to race. No one is forcing these mostly privateers into this situation. Also, my experience is racing is usually much worse for injuries than play riding given the added pace and pressure. Governments aside, this is just a reality. Especially with concussions and other lifelong injuries. I would also say that at some point it’s not fair to ask your fellow citizens to pay for someone else’s choice in a high risk activity. I don’t expect someone to pay my bills just because I decided to take part in an injury prone sport. I know this isn’t what you did. Just my 2 cents.
  • 6 0
 @sino428: @scott-townes: I may not have made my point very well and I 100% consider myself lucky. I was trying to say if my non-profit employer can get by with this level of coverage then it can be done by so many other employers/the government. The idea of what is an acceptable investment for your employee or citizens health and well being needs to change. This is getting so far beyond mountain biking though... Just know I am fully onboard with healthcare reform in the US and understand the difficulties the vast majority of Americans face.
  • 6 0
 @kleinschuster: I don't disagree. Want to know what else we have? Stupidly expensive healthcare.
  • 14 3
 @txcx166: Paralyzed from the neck down after a car accident? Why were you on the road last night sir? Ah, to see a movie? Well that's an activity you chose to do for pleasure and roads are a dangerous place, I'm sorry but this hospital stay is not covered.

Is that what you expect healthcare should be? Apply a test to the circumstances of all injuries to determine if it is worth covering?
  • 3 12
flag tacklingdummy (May 5, 2021 at 11:49) (Below Threshold)
 @scott-townes: I'd like to hear people experiences with socialized healthcare. I have heard bad experiences with long wait times being really bad and many denied procedures to cut costs. If the government can't run a simple agency like the DMV well, do you think they can run healthcare?
  • 18 1
 @tacklingdummy: not being financially ruined for life might be worth waiting a week or two for non-emergency treatments to some people.
  • 16 0
 @tacklingdummy: I'm not saying there aren't problems with some country's nationalized medical systems, but if you go to those countries, you'll mainly hear a bunch of people pretty happy with it and fairly puzzled by the insanity of America's approach if you get outside the "Ra ra, America does everything best, especially medicine and insurance!" bubble, which loves to put out a bunch of BS propaganda about how all the people living in countries with "socialized" medicine all hate it and it's like waiting in line for bread in the USSR or something, then you'll find out that a lot of the "horror stories" are outliers and can be matched 1:1 with equally horrific stories of botches and financial ruin under America's "amazing" medical system.
  • 8 0
 @tacklingdummy: read above. several good experiences. People like to find the bad experiences so they can prop up an argument against doing it here in the US. And OBVIOUSLY like anything there are going to be problems.

BUT I sure don't hear about countries WITH socialized healthcare wanting to get rid of it...
  • 18 0
 @tacklingdummy: socialized Healthcare in NZ is amazing. Last year I got run over by a boat while surfing (yes... crazy I know). Went to A&E and got head stitched up that evening, went to hospital for a CT scan which revealed fractured skull, saw specialist facial surgeon who confirmed no need for surgery and then saw specialist again 6 weeks later to confirm I was good to return to occupational scuba diving. Total cost..... nz$80.
  • 9 0
 @tacklingdummy: @tacklingdummy: Myself and my family have had no issues with wait times unless its a non-emergency, in which case I'll go to a walk in clinic. The only time I recall having a long wait (~6 hours) was when I went to emergency for a persistent migraine which was totally expected. Once I was seen by a doctor the care was great, though not fun at all, they even kept me overnight for observation. Showing up with a broken bone has always netted me near immediate care.

Just because a government funds healthcare doesn't mean management isn't staffed by experts in their field, just as a private business would. Do you have the same opinion of the military?
  • 6 0
 @tacklingdummy: Honestly I hear these concerns from Americans far more than Canadians. I'm not saying they are not out there and every province/region in Canada does things a little differently. I have never experienced huge wait times or poor quality care personally. I had my foot screwed back together last year after a mishap on the BMX and that care happened immediately with regular support and follow up. I was only on the hook for crutches and an Aircast with a grand total of under $100. A few years ago I had a bruised femur (they though it was broken initially due to the swelling and muscle damage [hit a tree]) and similar thing with x-rays and specialists all in a timely and thoughtful pattern with no real personal expense beyond my tax contributions to the system. I'm not saying it would work in the US the same, that it is superior etc... just letting you know my thoughts as a Canadian on those specific concerns.
  • 4 3
 @Hogfly: There are few differences I see where the countries with socialized healthcare works. They have much healthier populations (Korea, Switzerland, Sweden, Japan, Italy, Spain, etc) so, they don't need healthcare as much and are very health conscious. The US is the most obese developed country in the world and costs for care of those with chronic health issues is astronomical. The US government is very inefficient, doesn't know how to manage money or run anything, many politicians are in bed with the big players.

I live in California and Covered California healthcare is on tiered income system. The discounts are very substantial if you make less and are bigger the less you make. For those with the lowest incomes, they have everything covered with healthcare, dental, and vision. The California taxes are very high to pay for it.
  • 1 5
flag tacklingdummy (May 5, 2021 at 12:46) (Below Threshold)
 @maxxx: Experts are going to follow the money. Private sector is much more lucrative than working for the government. I don't understand your analogy to military. Please explain.
  • 1 2

Healthcare is excellent in the U.S.

It's just pricey. Very pricey. I wish my last surgery only cost me $1250... flippin chump change.
  • 5 10
flag misterkslays (May 5, 2021 at 13:46) (Below Threshold)
 @sspiff: People actively choose to neglect saving and saddle themselves with massive unnecessary debt to either make themselves feel good or elicit some social appearance. No one should feel bad about that or neglect it when discussing why people can't afford true necessities which in America is insurance. Plenty in America could easily have reasonable savings if they were to forgo the $100/month cell phone rental, $300/month vehicle lease or payment on massively depreciating asset, and $200 credit card payment for all the items bought from Amazon Prime just because it is easy. Those amounts put in a HYSA, market index ETF, or insurance policy would give them a dramatically different appetite for random life events. I agree that healthcare is expensive and there is likely some middle ground that isn't fully government run or fully private that could appease most. Will that happen anytime soon, no.
  • 6 2
 @kleinschuster: haha, your so out of touch it’s hilarious, must be nice being handed everything, yea man transportation isn’t a necessity especially if you live in a rural area, and 500 extra a month goes so far, clearly never worked a day in your life
  • 11 0
 @kleinschuster: "People should just do X Like I do!"

I guarantee if your hammer is "index fund ETF" (which I agree is historically correct) your experience is not typical. You think everyone on minimum wage has verizon and a BMW X1? Have you even seen a Walmart? Might be time to re-evaluate your assumptions of what plenty of Americans can easily do...
  • 16 0
 The systemic misinformation that so many Americans are a victim of, simply due to capitalist agendas being pushed onto them 24/7 is quite heart breaking, so many seem so afraid of 'socialism', not realising that not everything is an ultimatum, free healthcare doesn't mean the whole population will just stop working and the economy will crash.
I've lived in England, New Zealand and now Australia, I've broken my neck, wrist, leg, elbow, ribs and foot from riding as well as numerous other hospital visits... never paid a cent in hospital fees, maybe a few bucks for a prescription, a few bucks for ambulance insurance and the annual medicare levy, with Oz being the only place that charges the latter two fees.
America needs to wake up and embrace free healthcare as a basic right for all.
  • 5 8
 @pasthowling: I've been working continuously since I was 14 years old. Bought my own car at 16 a 96 Chevy S10 for $3500 and paid my own insurance and cell phone bill. Put myself through engineering school while working and continue to pay off my student loans for another 3 years. I haven't been handed a thing that I have not put personal mental or physical effort into. Nice assumption though. Come back to me with a legitimate justification for someone that makes less than $30k a year to have a car payment that is more than $200/month or a payment plan on the latest and greatest cell phone. You missed my point that $500/month does go far but too many people waste that amount or more on frivolous items that are not needed and then complain about not having money when issues arise followed by expectations to be helped out.
  • 7 4
I didn't miss your point, there was no point to begin with, you're out of touch, cool story brah
  • 5 5
 @Sardine: Didn't insert I or myself in any comment telling people do as I say. And never claimed to have a solution to get people change their habits just pointing out that bringing up lack of savings in regard to why people can't have insurance or are afraid of medical expenses is a bit ridiculous because it is mainly self inflicted. Retail investing is literally advertised on prime time TV now and simplified to the point of being a game. You can access the apps from a $50 phone just the same as a $1000 Iphone. Dumb luck will land enough people on a decently performing ETF if they are willing to put money into their future rather than an item to take pics of for IG. I don't think minimum wage people are driving X1s but plenty of people from minimum wage up to 6 figure earners have a car payment, cell phone bill, and credit card bill that consumes way too much of their income compared to what they could actually get by on.
  • 6 5
 @pasthowling: I'll reiterate since you missed reading comprehension. POINT: Don't complain about not having savings or the ability to pay for insurance if you spend more than you should on wants not needs. I never said transportation wasn't a need, it definitely is for most of the country. However, a $5000 car will get you to and from work just as good as a $20000 one. If you need a vehicle loan which lots choose to have that's $105/month instead of $435/month. A $50 phone will receive all the same messages and run the same apps as the $1000 phone.
  • 5 0
 @tacklingdummy: I don't think there is one superior system. I do believe it's more about how well the system is implemented, and regulated. I lived in Switzerland, the UK and now in the US...
(Obviously the followin is just just my own experience, so take with a grain of salt please)

I feel the quality of care in the US is absolutely top-notch. (Currently recovering from a broken wrist after a Friday fail :-P ). But costs are out of control, because there's so little regulation on tariffs, medication cost etc. If you have a chronic condition and the low income, it's not fun.

The NHS in the UK is a very impressive system, for most 'non-critical' treatments that you can wait for – and most medication was way cheaper than in the US. It really is awesome. However, the caregivers in the system are under a lot of pressure to cut cost. (And overworked, underpaid, understaffed....) The quality of care I experienced myself, and in my entourage, wasn't always amazing. On the flipside, nobody's excluded from access to the healthcare system.

Switzerland seemed a bit like a best/worst from both worlds system. Everybody must have 'public' health insurance, and that's not crazy expensive, but has restrictions (no free choice of doctor, shared hospital rooms) so many people tend to supplement with 'private' and more expensive health insurance on top of that.

Again, I don't think there's one system that is universally superior, it needs to work for the country… but every system needs to have some level of states controlled regulation and quality assurance, to step in when the system or market fails.
  • 6 5
 @kleinschuster: You sound pretty out of touch with the real world my friend.

So you consider a $300 car payment some sort of irresponsible luxury? 1) Most working class people need a car to live, and 2) a $300 car payment means a person financed roughly $17K at 3%. I'd hardly consider what you can buy for $17K excessive considering a base model toyota corolla costs over $20K. $17K is pretty much the bare minimum you can spend and buy a reliable car.

Also, as connected as everything is these days its almost impossible to not have an iPhone or some equivalent smartphone. They are a necessity more than a luxury at this point.
  • 2 0
 @tacklingdummy: Canadian experience. I had symptoms of a detached retina, went to emergency next morning, examined by doctor within an hour next day saw an eye specialist. No charge for anything.

Had headaches in late spring, referred to an neurologist, had to wait about 3 months for appointment. He sent me for a brain scan which was done within 10 days. No charge for anything.

I live in BC and the provincial medical insurance is now paid by the provincial government. Previously I had to pay about $100.00 per month for family coverage. Apparently Canadian taxes are relatively high to fund our medical.
  • 1 6
flag tacklingdummy (May 5, 2021 at 20:31) (Below Threshold)
 @kingbike2: The stories I have heard have not been great. Several weeks in hospital waiting for heart surgery and the patient was not able to leave the hospital. Another, I have heard was months waiting for knee surgery. A lot depends on the current situation, but on average most of the data I have seen, is longer wait times for socialized healthcare.

According to Wikipedia:

Patients in Canada waited an average of 19.8 weeks to receive treatment, regardless of whether they were able to see a specialist or not. In the U.S. the average wait time for a first-time appointment is 24 days (≈3 times faster than in Canada); wait times for Emergency Room (ER) services averaged 24 minutes (more than 4x faster than in Canada); wait times for specialists averaged between 3–6.4 weeks (over 6x faster than in Canada).

In the U.S., patients on Medicaid, the low-income government programs, can wait up to a maximum of 12 weeks to see specialists (12 weeks less than the average wait time in Canada). Because Medicaid payments are low, some have claimed that some doctors do not want to see Medicaid patients in Canada.,see%20a%20specialist%20or%20not.&text=In%20the%20U.S.%2C%20patients%20on,average%20wait%20time%20in%20Canada).
  • 6 1
 @tacklingdummy: you cut and pasted all that from Wikipedia, but left out this passage which was right between the two paragraphs you pasted. Odd, because it’s the part that basically says the numbers in the preceding paragraph are basically useless.

“It must be noted that the PNHP identified statistical issues with the Fraser Institute's reporting. Namely, the report relies on a survey of Canadian physicians with a response rate of 15.8%. Distributing these responses amongst the 12 specialties and ten provinces results in single-digit tallies for 63 per cent of the categories, and often only one physician falling into a given category. The much more credible study from the Canadian Institute for Health Information confirms that Canada is doing quite well in delivering care within medically recommended wait times.”
  • 1 2
 @sino428: Do a search. Most of the studies have similar numbers. 15.8% response rate is quite good for a study/poll like that because most have much smaller sample sizes like 1000 or so. Show me some reputable independent data that shows anything different, if you think the data is not correct.
  • 1 0
 @SlodownU: unreflected and uneducated regurgitation of reactionary slogans like that are the foundation of the system as it is in the US. Just wait until fate hits you with a big-enough sickness and you‘ll find out how „awesome“ the form of health-care-capitalism really is.
  • 8 1
 @sino428: Yes I do, you thinking it is a necessity is exactly my point. Too many people do not understand what is a true necessity and what is a want. No one needs a new car or a $17000 car, they choose to have it. A readily available 5-6 year old $8000-10000 civic will handle the majority of people's needs as well as be reliable and cheap to service. If you want or need a truck you can get an 8 year old Silverado or f150 for around same. There are plenty of smart phone alternatives that do essentially everything an iPhone does that are offered for free or very little with a service plan. Again no one needs to have the latest and greatest phone that they lease for $50-100/month. I haven't argued people should live like the Amish with no technology or transportation. Simply stating lots of people actively choose to over extend themselves financially and then complain when they can't handle an emergency. I'm completely in touch with the real world happily getting by with zero payments on my 2006 and 2008 vehicles, doing everything i need on my 3 year old Samsung S9, and slaying trails on my 5 year old bike.
  • 4 0
 @Mr-Gilsch: Same here, french "sécurité sociale", one of the most beautiful invention of modern times (with MTB it goes without saying). Ask Cécile Ravanel or Amaury Pieron !
Would be interesting to break down the datas by country, I think injury for american riders is not the same story as injury for european riders.
  • 3 0
 @ctd07: Sooooo true buddy ! Wake up america, taking care of people is not a sin!
  • 2 0
 @Lankycrank: Swiss guy here. The system that you are talking about is called "Hausarztmodell". In order to get a cheaper insurance rate, you have to select a doctor that will be your first contact. If he sees that you need special treatment, he will send you to a specialist. This system was only created to avoid that after consulting Doctor Google, everybody will panic and see the expensive specialists. In most cases there is no need for that. I never had problems to see specialists when it was necessary, your personal Doctor will arrange that for you.
  • 3 3
 @deaf-shredder: are you cool with removing all insurance? car? home? life? because medical insurance is no different.

what we need is the government 100% out of the medical game. it's medicare and medicaid that f*ck the system. You can't compete with the goverment on what they are willing to pay, and hence they wildly warp the market and inflate prices and then people scream they want the goverment to do....MORE!? how insane is that...lmao
  • 3 3
 @PTyliszczak: $1250 is a huge chunk of change? how much was your bike you were riding? which do you value more, your bike or the ability to use your arm?
  • 2 0
 @sspiff: that's the cost of an iphone 12pro. lol
  • 1 0
 @Hogfly: aflac. it is worth it if you need it.
  • 1 0
 @tacklingdummy: Most hospital admins are making well over 6 figures. Unless they want to move across the border there aren't any similar higher paying positions
  • 3 0
 @tacklingdummy: As for the military analogy, you argue your government is incapable of running a health care system, do you think they're equally inept at running the most powerful military on the planet? (granted the US military isn't known for being efficient with money)
  • 3 0
 @sino428: America is a Third World country now
  • 1 1
 @maxxx: Yes, I think the military has a ton of waste. I think the US gets too involved in other countries affairs. Most people hate Trump, but he didn't start any new wars which only a very few presidents can claim. Also, Trump cut military spending by 38 billion. There isn't a government agency I have seen that is run efficient as many private companies. If the government agencies were private companies they would all go bankrupt.
  • 2 0
 @conoat: People have a hard time paying $1250==it's a large amount of money. Maybe it's not to you or me, but it is to a lot of folks less privileged than either of us.
  • 1 0
 That's why I only work for union companies. I hurt my hip 2 years ago and before that I was off for 2 months due to eye surgery. Got back to work and started exactly where I left off. Prior to this several years ago I was off work for almost 2 years due to a bad car accident. Same thing, I was back right where I left off.
  • 3 0
 @snl1200: I am a Canadian and lived up there until 2014 before moving to the USA. For real emergencies the quality and speed of the two systems are probably identical. But for things like orthopedic issues (say a blown ACL) you can have a specialist visit, MRI, and surgery in about 10-days here vs 12+ months in Canada. But the downside is you will be receiving bills for over a year later, long after you thought it had all been taken care of and this is with an employer-based healthcare plan. These vary a lot but $500/month is a minimum for an individual and often there is a deductible (again it varies) that can be up to like $1500 before the insurance even kicks in.

So while I’ve benefited from the quicker service down here as I tend to not keep it rubber side down, I can’t wait to move back to Canada.
  • 1 0
 @Hogfly: I'm an educator in CA and get pretty solid insurance, Hopefully push never comes to shove.
  • 49 2
 I'm really digging this series. We can argue back and forth about whether athletes are under paid, but increasing our awareness of it can only help!
  • 7 0
 Agree! This series is great!
  • 10 0
 It is part of why sharing salaries with coworkers is protected by law. You can't advocate for your worth if you don't have a dataset to go from.
  • 9 2
 @adrennan: IMO companies should be required to publicly post median, mean, and stdev salaries and benefit packages for every job title. Transparency benefits the people!
  • 3 1
 @sspiff: How about first guarantee a decent minimum wage so that workers can be insured properly? Here in Ch I don't think it's even possible not to have insurance..

I feel embarrassed now that I know how some of my favourite riders are risking everything (And I mean literally everything) with just one crash
  • 2 0
 @pakleni: Where is all the guaranteed money and benefits coming from? Serious question. Is there enough revenue coming in to these organizations to cover these salaries and insurance for everyone? That’s what it comes down to at the end of the day.
  • 1 1
 @carters75: Well put. If somehow riders were paid soley on sales commissions, how would a minimum wage work?
  • 38 3
 Being a professional mountain biker is a poor career choice if you want decent pay or benefits.
  • 24 0
 The benefit of riding all the time is the draw
  • 3 0
 Yeah, that’s the problem.
  • 6 0
 @adrennan: It's hardly fun time riding for work all the time. Or taking huge risks to earn your piece. Doing huge moves on command rather than when you're feeling your best. Sounds awful to me TBH.
  • 1 0
 Agree with this. So far most of the poll questions are leading to this answer.
  • 4 0
 100% opts for this line of employment out of passion or lifestyle.

If you don't want to be paid like a mountain biker, don't be a mountain biker.

If you don't want to sustain the level of injury common with professional mountain bikers, don't be a professional mountain biker.

There are PLENTY other forms of professional employment to chose from....and you can ride (relatively safer) on non-work hours. Or for us career sales guys.....during work hours.
  • 1 0
 @alexsin: Agreed. The lifestyle of professional mountain bikers seems pretty terrible overall. Especially after seeing all that goes into keeping sponsors happy and dealing with contract negotiations. Even a corporate wage slave like myself rides two or three times a week. It's on my own terms and I actually have money.
  • 2 0
 @WalrusRider: @alexsin: However there are people who really enjoy the pressure of racing and the whole process of making them go crazy fast (testing, training, etc). Most of us are not those people and prefer to ride under our terms so it becomes obvious rather quickly why we are not even thinking about pursuing such career.
  • 23 0
 This makes me sad, and I don’t think it is exclusive to mountain biking. I quit competitive snowboarding at a high level because sponsors pressured me to compete while injured and didn’t provide any support during recovery. I was just an asset, not a person. Action sports has a long way to go in this realm.
  • 18 1
 Take it a step further. Its not just action sports. Its workers of all kinds. Many workers in all fields are treated as nothing more than an asset to make money for the company. In the US the large majority of people would be completely fucked if they suffered some kind of long term injury or sickness.
  • 2 0
 @sino428: You nailed it
  • 18 0
 Great series Pinkbike! Love the discussion and this is a complex one. I think our emotional selves want to see everyone supported but rolling that out in realistically and logically is really challenging. Certainly though at the highest level of the sport more can be done to ensure that those risking their meat for the masses have that accounted for by, at very least, the companies profiting most when risking their meat benefits them. It is a bad look when athletes foot the bill for major injuries incurred representing them- Mark Matthews comes to mind there. I am also awaiting this discussion to spiral into a comparison of health care systems and justifiably as that is a significant factor. Earning following an injury that bumps you from your previous level of performance and avoiding bankruptcy and homelessness paying for your injury are two very different discussions.
  • 17 1
 What is sorely missing regarding sport and injury is SLEEP. Study is sports injuries in adolescent athletes:

Chance of injury ~72% - avg sleep 6hrs
Chance of injury 60% - avg sleep 7hrs
Chance of injury ~34% - avg sleep 8hrs
Chance of injury ~18% - avg sleep 9hrs*

*From the book Why We Sleep.

There's also reduced cardiovascular output from sleep deprivation. But from a harm reduction perspective, I'd tackle sleep deprivation first.
  • 39 0
 As someone who already sleeps like shit, I will unironically lose sleep over this.
  • 4 0
 @brianpark: Brian, I'd highly recommend the book or look for Matthew Walker's podcasts (Peter Attia interview is good).

Sleep problems are tough to endure. Blank Stare
  • 3 0
 @njcbps: absolutely agree, that book is great!
  • 2 0
 100. Matthew Walker is a great recommendation and I think everyone needs to read that book. After well over a decade working in child and youth mental health, sleep has become one of the first things I take a look at. Rates of problematic anxiety and depression dramatically increase with lower sleep quantity and quality. With kids access to habitual caffeine use, stimulating digital media before sleep onset, and exposure to lights through media things look a little dire sadly at the moment on that front and it is impacting mental health. I don't have to look at the physical health stats given my primary professional focus but it does not surprise me. Great point and recommendation!
  • 1 0
 This is definitely subjective. 6 hours is my sweet spot for good sleep. Anything more and I feel like crap
  • 2 0
 @ThunderChunk: Not dismissing your experience, but according the scientific research the sweet spot is 7-9hrs.
  • 2 0
 @brianpark: I can only sleep for 4 hours at a time. I am sure my sleep issues are due to poor sinuses. When my sinuses are clear I sleep much better. I think a lot people's sleep issues are due to sinuses because if you are not breathing well, you can't sleep well.
  • 2 0
 @tacklingdummy: Truth. That's currently waking me up every night. And then it might take a few hrs to get back to sleep.

Hope there's is a remedy to your situation–that's difficult to survive on that level of sleep.
  • 2 0
 @tacklingdummy: do you have a humidifier? I was suffering with my sinuses drying out at night. Humidifier I can now sleep without waking up
  • 1 0
 @ThunderChunk: I had never considered that, and will keep it in mind. Thanks for the suggestion.
  • 1 0
 @ThunderChunk: I do have a humidifier and should try it again just to see if it can help. However, my sinus issues are likely more from allergies. Sinuses are really complicated and difficult issue to figure out.
  • 15 2
 This is one of my favorite discussion topics in action sports. Be it mountain biking, big mountain freestyle skiing, or really anything red bull sponsors, the topic of risk, consequence, and reward amongst pro athletes always come up, and should come up more.

I've vehemently boycotted Redbull Rampage for the last 3 years, each year expecting that a competitor dies. When competitors aren't willing to take a second run, because the risk (likelihood of crashing) and consequence (likelihood of serious injury) are both so high that they don't balance out with the reward (cash money), the event and underlying model is broken. It simply isn't sustainable for riders. But the sponsors profit. Need a reference, go watch the original Rollerball.

To be clear, this is not new nor unique to cycling. When Niki Lauda crashed at the Nurburgring in '76, caught in his car and on fire, Ferrari had lined up a new driver before Lauda made it to the hospital. For them it was about the victory, nothing more.

The sad reality is that as long as there are athletes who continue to line up on the start line, competing for 5-figure payouts (at best), while risking 6-figure injuries (on a good day), the model will persist. Worst still, the sliver of a percent who make it inspire the next generation of to go bigger and further under the name of 'progression.' These same teens fill up your Friday-fails.

A partial solution: Redbull, pay for your athlete's insurance, as a start. Be a model of decency. Give athletes and influencers a real and life-sustaining reason to want to work with you. Athletes, band together.
  • 1 0
  • 3 0
 Dude, I don't comment often but you hit the nail on the head. These people are filling up Friday Fails and here it is displayed for the world to see like some spectacle. Injury is no joke. these industries are built on the backs of people who love the sport and controlled by those who just want to make money. I've worked for too many people that care more about cash flow than they do about advocating for cycling.
  • 3 0
 @GPAnderson: but don't stop friday fails... Right?
  • 1 0
 The kid in me loves having my mind blown from rampage and freeride videos, but adult me totally agrees. Our sport doesn't do a good job of teaching/spreading awareness about risk evaluation and negotiation. For too many of us, it's a thing we have to learn the hard way.

Counter-example: here and there in Yoann/Remy/GCN tutorial youtube vids, you see them back down from features and explain their process for judging levels of risk. More of this please!
  • 15 0
 You should do a "state of comments"
  • 43 0
 Salty with a slight chance of insight.
  • 6 0
 @brianpark: I think that's the title of the PB comment coffee table book.
  • 1 0
 @brianpark: It would have to be done in comment form. So I guess we can call it mission complete
  • 10 0
 I think the 1.52% that strongly disagree about the long term effects of concussions have had to many concussions to answer that right.
  • 8 0
 I was in a tandem bike criterium in Oregon and there was a big crash. The worst was a woman who looked to have lost all the skin on her leg from hip to ankle. I could not believe that they didn't just call an ambulance. they actually took the time to call her insurance company to ask permission. That is insanity in a medical system folks.
  • 1 0
 All of the skin? Or just a few layers? Why would someone need an ambulance for a road-rashed leg? That seems a bit overboard unless she was criticaly injured and profusely bleeding from a gash or something. She probably didn’t want to take it unless it was covered, because she didn’t really need it.
  • 2 0
 @emptybe-er: She did end up leaving in an ambulance.

And yes it was bad. Leg was a mess, knee cap damaged, shoe torn off and ground down foot, lots of blood and bone sticking out on surface.

I have seen many road rashes over the years and this was the only one that gives me nightmares. I will never forget her screams.
  • 7 0
 This just reaffirms my belief that hobbies are best kept as hobbies. Having said that it would be a much less interesting hobby if everyone took this attitude, so kudos to the girls and guys putting it all on the line for our entertainment. It also helps that no one is ever going to pay to watch me ride.
  • 8 1
 And this is the PRO RIDERS......forget about the hundreds of younger riders trying to break through the ranks without ANY support. The event holders are propped up on the shoulders (and spines) of lesser experienced riders who take all the risks, while the sponsors make millions off t-shirts, decals, and energy drinks.
  • 9 1
 In this episode, 80 PBers yell their opinions on healthcare at each other over the internet, and nobody's opinion changes whatsoever.
  • 8 1
 If even NFL players can't get decent healthcare while they're playing, what hope is there for a niche sport like mountain biking?
  • 19 0
 The NFL is sadistically predatory over players. It's a use-abuse-toss out system where only a very very few players end up well-off (or even taken care of) for the long term. The NFL definitely shouldn't be the benchmark for any sport. . .
  • 1 1
 The hope is we can be the better example. Don't let brands mistreat riders.
  • 1 0
 @bonkmasterflex: The NFL is the first that came to mind because of CTE, but pick any major pro league around the world (NBA, MLB, Soccer/Football, motorsports, Olympics).
  • 1 0
 NFL players get great healthcare while they are playing. They have access to the best doctors in the world while they are still under control of the team (who wants them back on the field). Its after they are no longer useful as players that they get the shaft.
  • 7 0
 How lame is a country when athletes need crowd funds to get a decent treatment for an injury?
  • 10 0
 Its not just athletes. I read somewhere recently that 1 in every 3 fundraisers on go fund me is to help someone pay for medical bills. The fact that "medial bankruptcy" even exists in pathetic.
  • 4 0

Telling me. $1400 a month for insurance and you still have big copays and unpaid portions of procedures? Dental insurance is a joke.
  • 3 0
 How lame? More than you know. Search "7 year old Alabama girl sells lemonade to fund brain tumor surgery"
  • 4 0
 Not blaming the riders, sponsors, events or bike companies (although maybe I should find a place for some of the blame), but there is no way you should be a pro rider in this sport without insurance. You're definitely setting yourself up for a boat load of debt... in the US at least.

Concussions is another can of worms I suspect will be haunting us, myself included, for some time.
  • 2 0
 Seriously, that would be insane to not carry private insurance if you're a professional in this sport. Even in a country with more socialized and publicly available healthcare, you need your own insurance too.
  • 2 0
 @DylanH93: based on the previous salary survey, most riders aren’t paid enough to afford a decent insurance policy.
  • 5 0
 Bottom line is the Pro level riding is still a hobby for 99% of the "Pros". It's not a long term life plan. If you don't have a fall back (pun intended) plan for injury, your hobby could very well bankrupt you.
  • 4 0
 My country is poor, has lots of social problems, huge inequality and the worse politicians in the world. But if I broke my arms during a ride in the weekend, I can call an ambulance and they will take me to public hospital where I`ll be taken care of, free of charge. No matter if I need an X ray, a tomography or just cast to fix me. Its far from perfect, specially for the non emergency cases and that sucks (there is always room for improvement). But I feel sorry for those who cannot count on public healthy system.
  • 3 0
 I've seen first hand what happens to people when they don't follow the new concussion recovery protocol. Know a person who had a bad concussion a couple years ago while skiing and was more or less forced to go back into the office by his boss. He now has chronic migraines, speech and other cognitive issues. There isn't a hard line between a concussion and TBI. They slowly blur from one to the other.
  • 3 0
 A sport that is predicated on pushing the envelope, yet leaves those who do drifting on a sea of medical debt, is fairly typical. I don't have an answer to this, but it seems nobody else does either, other than agreeing to 'worry about it later'
  • 4 1
 Not sure how this is any different than any other professional sport. Any professional athlete gets supported as long as they can perform, that is what their job is. Careers are pretty short for most sports, whether due to injury or age. Heck, I am not a professional athlete, and my employer would stop paying me if I was unable to perform my job.
  • 4 0
 And the other 50% has a trust fund like most outdoor bro’s, hilarious that this is always missed, as Jake Phelps once said “skateboarding doesn’t owe you shit”, same with mountain biking
  • 2 0
 If US pro riders don't have coverage, racing is seriously playing with life changing consequences of getting injured, even if you do fully recover.
The added mental struggle of US healthcare is real. Even with simple injury, all the insurance company need to say is "that isn't covered" or "you went to the wrong hospital" and your life has changed financially. I broke my wrist, smashed my elbow - over $170,000 of cost! - and I was shorted so much healthcare, they wouldn't even give me arm cast! said - you're not covered for that.
  • 2 0
 The post I had all typed out was way too cynical... So I'll be short. The pay thing, this issue- to me, it's just life. There's never enough money, and the safety net is never big enough, it always takes too much work, and the reward is never sufficient.

Make choices, live with the consequences. No one gets a free pass in anything, and it's unlikely anyone (government, corporation, industry, people, etc.) is going to save you when things to tits up.

Stay safe out there, and try and have some fun along the way.
  • 3 2
 My insurance co-pays are enough to keep me from from high risk sends. Never mind if I had to miss work!

Pro riders are treated as independent contractors, every person for themselves in terms of the deals they can secure. No Union or "League", no standard for minimum pay or medical coverage. I don't see this changing anytime soon, or ever really. Roadies have been at it for over a hundred years, and have made little progress on this front.
  • 3 3
 They should Unionize! Maybe Red Bull might start ponying up some of those BILLIONS they make to support the athletes they exploit
  • 4 0
 @furiousstyles: Or maybe they just say “we’re out” and leave riders looking for another sponsor.
  • 7 0
 @furiousstyles: I'm not sure Redbull would be the first company I'd go after here. I have no idea what they pay but they are basically considered the gold standard among action sports sponsorships. I can't see that being the case if they weren't paying their athletes and supporting them well.
  • 2 0
 @sino428: Yup I've seen a few cases of Red Bull sending their athletes to specialists for injuries
  • 6 5
 Do people expect to be compensated by all employers if they're injured and unable to work? Insurance and workman's comp play a role for sure, but it's not just a simple black and white matter. You have to look at it from all angles.
  • 4 0
 WTF? Why isn't there a question asking how many have proper insurance coverage?
  • 1 0
 I was really wondering this too. But I've got to imagine it's very few who have nothing. I could see plenty being scared about it not being enough coverage but that would be insane to not have any private insurance. Even for the EU or CAN riders with public options. You don't want to be on a long waiting list for a specialist when you need physical therapy or some specific surgery asap.
  • 4 0
 The outcomes of this series could be very interesting from an industry perspective! Good on PB
  • 1 0
 Don't want to gaslight too hard, but do we know the red bull (or comparable - maybe someone like Fabio on Samsung) sponsorship status of the respondees? Would be interesting to see if there is a clear split - wondering how large/positive an effect they might have on this and, if there is a change at that level, how to provide the same level of care for lower profile riders.
  • 1 0
 I would think professional bikers (and athletes) would have disability insurance. Mine covers me even if I hurt myself biking for up to a year. I know more serious injuries take longer than a year to heal but it's better than nothing
  • 5 5
 Sounds like they need to review some basic disability insurance policies. I pay for my own in case something bad would happen to me so my family doesn't go without while I wouldn't be able to work. Adulting isn't easy or cheap but not doing anything and assuming you'll be fine or expecting someone else to pick up the tab through a GoFund me or other is idiocy and selfish.
  • 8 1
 I had a 250,000 dollar policy when i had my accident and they managed to wiggle out of it. Basically told me beciase they thought my employer was negligent I had to sue and they wouldn't cover me due to their negligence.

Lawyer told me I had a case against both the insurance and the employer, but becuase I didn't die/get visibly deformed(only 2 fractured vertebrae and a massive TBI)... I wasn't due enough to be worth his time. Wait time for federal court was 8+ years.

Told me it sucks, and that all of his TBI cases go that way becuase jury's think you are a liar if you arnt drinking your meals through a straw.

I had a high 6 figure job, I worked insanely hard/ needed luck to get. I have perminate deficiencys I will have to deal with. They will definitely effect my job prospects.

Get f*cked sit and spin is the systems response.

Tell me more about how I just need bigger bootstraps.
  • 4 9
flag misterkslays (May 5, 2021 at 11:37) (Below Threshold)
 @spinzillathespacelizard: you gave up after talking to a single lawyer? If so that was dumb. Sounds like you didn't read your policy before signing or didn't make the effort to have someone fully explain to you what it did and didn't cover. Bummer about your situation but most people work hard and rely on some luck. Nothing is guaranteed and being prepared to have something in place to help out if dire situations arise is still better than doing nothing and then complaining when something does happen or expecting others to bail you out of an unfortunate situation when you didn't do any preparation.
  • 4 3
 @kleinschuster: He did all that and it didn't help. The system is broken and needs repair.
  • 1 5
flag misterkslays (May 5, 2021 at 12:06) (Below Threshold)
 @jayacheess: You're assuming his situation was not outlined in his policy details and he got taken advantage of or dealt a bad hand by a greedy insurance company or lawyer. More often than not people don't read their policy, terms of use, or other legal items because they don't want to or simply don't understand the text. That ignorance doesn't provide a platform to complain from when the policy goes into the very specific actions it is detailed to handle. Granted I'm assuming the other side, no one knows the reality but his lawyer, provider, and self. Which system is broken? How much do you want to pay a self employed/contractor that makes less than $20k per year riding bikes and provides no tangible value to society doing the job they selected? Remember only 49% of the survey indicated that riding was their full income.
  • 2 0
 @kleinschuster: Maybe I'm misunderstanding the situation, but I interpreted spinzillathespacelizard's situation as not stemming from professional riding, but instead some kind of other professional or trade work. I agree with you that professional athletes - especially athletes in niche sports - have to accept that there's inherent risk when competing in what is realistically a frivolous pursuit (as much as I love it and wish I had discovered the sport when I was much younger), and that the money involved just isn't enough to protect everyone.

But if he was hurt doing trade work or some something similar, he absolutely should be taken care of - especially if his employer was not providing a safe working environment.
  • 1 2
 @jayacheess: I think we are more or less on the same page. Doesn't matter if he is a rider, plumber, or accountant. We don't know his situation exactly or whether the policy he has/had explicitly stated coverage for what he dealt with. It could have said we do not cover if X, Y, or Z happen. If it did and he didn't read it and is just upset now well that's just too bad. If he is owed proper compensation due to either his insurance or employer doing something shady but gave up after talking to a single lawyer it would seem that his situation was not that bad, again all speculation. My main point is that if you have insurance then you are much more likely to be able to tolerate an unexpected life event and not look for handouts from those that did plan on trials and tribulations. Will it help in every situation no, you can always find outliers.There is nothing stopping athletes at any level negotiating some form of insurance or comp towards insurance within their pay structure, the more that do it the more it would become the norm.
  • 2 1
 @kleinschuster: I talked to so many lawyers dude. Easily 12, I also had a brain injury while doing this. I couldn't read drive or think for more than an hr at a time for almost a year.

Your abilty to pursue the case has everything to do with how much your case is worth divided by how long to litigate. That's the math. For 8+ years of federal court to be worth it, your settle ment needs to be in the millions.. that settlement take 5 to 8 years. 5 to 8 years without income. Becuase it looks bad if you can still work at your previous level. So you can go on SSDI and get $400 a week? I made 5k a week before, good luck.

It's really common for TBI cases to be told they don't deserve as much because it's easy to bury or obscure the testing nessary.
It's also really common to have to pay out of pocket for most of your care if you have the means.
  • 2 0
 @spinzillathespacelizard: Insurance companies can be incredibly crooked. I entirely believe that you might have done your due diligence and paid for a coverage plan that should have paid out when you were injured, and then the insurance company just counts some beans and decides to give you the middle finger. This definitely isn't unusual. I'm surprised kleinschuster is having a hard time believing it.
  • 2 0
 @jayacheess: alot of Americans think it's your fault.

It's a cliché
  • 1 0
 @spinzillathespacelizard: that's unfortunate. Who was your policy with and was it short term or long term?
  • 2 0
 When over 50% of the surveyed riders are also on less than $20,000USD pa, is it really a surprise? It's definitely depressing.
  • 1 0
 I'm not going to pretend that I am old enough to "care" but all I have to say is it sucks to be injured. I finally got back on the trails last weekend and can slowly get back to it!
  • 3 3
 Honestly, this issue affects basically all Americans. Most are uninsured. Even if insured, you're still on the hook for a large sum. If you cannot work, you don't get paid, after your vacation, which is barely any in the US, is used up. In fact, my 2 weeks vacation time is also my sick time. So I can't even call in sick without that using my vacation time. When I was self-employed, I didn't have insurance and paid for medical out of pocket at the time of the visit. At the end of the year, I was fined by the government for not having insurance (Obama). It's funny to live in a society where they don't give a crap about basic accessible universal healthcare, but yet they'll churn out TRILLIONS in COVID aid for massive corporations and hand the people crumbs and of course the coming massive inflation and debt. Of course they want to "help" by vaccinating everyone with experimental mRNA "vaccines" because they care so much about our collective health; it's def not pre-planned disaster capitalism. Yeah... we got some problems that need sorting all around.
  • 3 0
 Well you know what they say, capitalism basically is socialism for the corporations
  • 3 0
 Without any political, national or global bias, speaking as a British citizen...

Thank you NHS!

Nurse Beer
  • 1 0
 its far past the medical care, its more around funding to cover private care physio and that common issue daily bills. even as a hobby racer found my cover and payouts through crashes a must have to cover all the above plus more.
  • 2 0
 Shocking news!
How about: more than 50% of population feel that they won't be adequately supported after a serious incident or injury?
  • 4 1
 It's remarkable that any US citizen would pursue mountain biking at all.
  • 1 6
flag chrishaugh (May 6, 2021 at 9:51) (Below Threshold)
 It’s remarkable that Canadians ALLOW their gov’t to continuously CUCK THEM F OUT!

  • 2 0
 Back in your hole Idaho fash
  • 3 1
 This just in: 50% of pro riders don't buy the right level of insurance cover.
  • 2 0
 Insurance is a good idea. For many eventualities.
  • 2 0
 "sécurité sociale" what else ? ;-)
  • 3 1
 America is a Third World country now
  • 1 0
  • 1 2
 Whats your sample group though? "Pro" hardly means what it ought to anymore.
  • 4 7
 No insurance no mountain biking, the idea to ride without being insured is just beyond me, i dont know how can people do that.
  • 22 2
 Because the US is one of the few developed countries that doesn't have some form of basic healthcare for all citizens. Mountain biking aside, there are many jobs that do not offer healthcare options that will force people to work while injured or lose their jobs.

I used to work for a major retailer back in the day. Girl got hurt on the job when some stock fell on her. She was forced to come in because they couldn't find anyone to cover her shift. She arrived to work in a wheelchair and doped up on prescribed pain meds to manage the pain. Next day she was set to open with me. Called my manager and told him it wasn't safe for her to work, nor was it ethical. He told me it wasn't his problem. So, I called her and said not to come in; I'd take the heat.

Long story sort, store manager flipped out, but then realized they were pushing the limits of the law an may get sued. The whole store talked about it like I was a hero. All for being a decent human being.

The fact that happens on the daily all over the country is a crime.
  • 3 3
 @TrailFeatures: you did good my friend.

But i still think everyone is responsible for their own wellbeing, if the government doesn't provide the Health benefits you want, you have to make a choice, pay insurance or go to a country that does provide it.
  • 1 7
flag chrishaugh (May 6, 2021 at 9:52) (Below Threshold)
 @TrailFeatures: cool story communist. There is always the option of leaving if we aren’t up to par with other “developed” countries.
  • 4 1
 @chrishaugh: Cool comment, sociopath. Obviously people actively suffering an injury borne on the job should continue to be exploited by bosses or deported... says you, a sociopath and a nationalist.
  • 3 0
 @Narro2: "pay insurance or go to a country that does provide it." Ever heard of engaging in the political process to advocate for improvements in quality of life, bro? Or are we just stuck eating the gruel the bosses give us, forever and ever?

Unjust systems need to be held to account. Blaming the poor is not a valid response.
  • 4 0
 @chrishaugh: "Emotional woman"??? That's umm like not a thing but I'll take the compliment. Whole lotta good performative machismo has done you between the brain worms, wild insecurity, homophobia, etc.

Gonna raise a toast to you when California expats price you out of Idaho. Thinking a gin spritz with a garnish of your tears. Yes, that'll be lovely *cheers*
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 @cyclecuse: i agree with you in a sense, unjust systems do need to be held accountable, the problem is that American population is not ready for universal health care, there are a lots of people that will abuse the system from all sides, medical, administrative and patients. I currently live in mexico which is supposed to have universal health care, my mother in law broke her femur a few months back, she needed inmediate surgery, they gave her a 6 week waiting time and an open room next to covid suspects, thats the result of a universal health care system in a country where most people abuse it.
Her family and i had to pay the bills on a private hospital to have surgery the same day as it was needed. Those were my eMTB savings btw.
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