Nice idea but I think sentiment is getting in the way or logical thinking here. I'm all for helping out in an informal way as the case may arise, but really, ignorance/laziness/pretending you can't afford it is no defence in not having proper life insurance/assurance-it's advertised enough!!
For setting up something like this there are all sorts of legal issues to overcome and that's before you even get onto who would run it. I'm also thinking about what happened to the money paid into the Fairpak Christmas Trading Scheme which went bust a couple of years ago and that's without even considering the possibility that somebody could do a runner with the premiums.
For the small amount of monthly premium suggested it would simply be easier to put that into your own life policy. You would also get the money invested properly. (Can you imagine if some members of this Benevolent Fund disagreed with the return on the investment or how it was being invested. Or what about if two c/c's died within a very short time of each other and there were not enough funds in the pot to pay out both?)
(Robert I do accept you have an insurmountable problem but would the c/c fund not have to come up with similar "rules".)
A further problem, what if a c/cer dies and does already have lots of cover; would they still be eligible to call upon the fund?
Several of you mention tying a premium into something you already get like chemicals etc. Well here's another thought....
Why doesn't the NCCA do something like this
, but maybe that is opening another can of worms entirely. :
I'm sorry to be so negative, but it really is a non-starter.
PS If you can't afford your own premiums then you are doing something wrong. Perhaps you should increase your cleaning prices-afterall that is one of the reasons we say that we charge a proper price for cleaning, in other words it's to cover all the costs of living and not just creating beer money.
Roger
