CATASTROPHIC ACCIDENT INSURANCE PLAN

The Catastrophic Accident policy covers: all currently registered member players, coaches and officials; and those insured as Non-Members under the program while participating in a Covered Activity.

Covered activities are defined as the following for Players, Coaches, Managers and Officials:

1) Scheduled games, team practice sessions, camps, clinics, tournaments or sponsored activities, provided they are under the direct supervision of a team official.

2) Group Travel as a Team directly to or from such scheduled practices, games or sponsored activities.

3) Other sponsored and supervised activities, such as team or league meetings, banquets and usual, non-hazardous fundraisers are also covered by both the accident and liability policies. Examples of non-hazardous fundraisers are bake sales, car washes and other similar events.  No coverage is provided for any event that includes fireworks.

4)  In  addition to the above, US Lacrosse Member Officials are also covered while officiating in any and all amateur lacrosse activities.  

  Policy Limits:

Catastrophic Expense Benefit: Once the injured person’s claim exceeds the deductible of $25,000 (within the 2 year incurral period), the claim will be eligible for coverage under this Catastrophic Accident policy. The Catastrophic Expense Benefit provides up to $1,000,000 to cover medical or dental expenses resulting from a covered injury.  Claims will be paid on a usual and customary basis relative to the geographic area where treatment was rendered.  Any subsequent medical or dental expenses resulting from that injury, such as additional surgeries or rehabilitation, would be covered for a 10 year period from the date of Injury.  In the event of a serious injury, this is meaningful since in a catastrophic situation, there may be medical or dental expenses that spread out over a period of many years.

Catastrophic Cash Benefit: If a covered injury to a member of US Lacrosse results in Paralysis or Coma within 180 days within the date of injury, the policy will pay a lump sum cash benefit to the injured participant, subject to the following conditions.  

1)      The paralysis or coma must last 12 consecutive months (the waiting period).

2)      After the waiting period, a physician must determine that the condition is irreversible and must result in permanent disability.

3)      The benefit is payable according to the schedule below

For Coma  --- $250,000 (100%)

For Paralysis of 2 or more limbs (upper and/or lower) --- $250,000 (100%)

For Paralysis of one limb (upper or lower) --- $125,000 (50%)

For Paralysis of one or more other parts of the body --- See Note

NOTE:  If the insured’s paralysis is a part of the body other than a limb, the percentage of the cash benefit used to determine the amount of the benefit will be adjusted in proportion to the extent of the paralysis. The final determination of comparable extent of the disability will be made through the use of the most current edition of the “Guide to the Evaluation of Permanent Impairment,” published by the American Medical Association.

Accidental Death Benefit: If injury to the insured person results in his or her death within 90 days of the date of the covered accident, then the company will pay the Accidental Death Benefit of $25,000.

If payment has been made prior to the payment of this benefit, under any other section of this policy, the company will then pay the accidental death benefit less any amounts paid under any other benefit section of this policy.

Accidental Dismemberment Benefit: The Accidental Dismemberment Benefit is payable as a percentage of the Principal Sum of $25,000:

Loss of:       

If more than one of such specified losses shall result from the same accident, only one amount, the largest, shall be paid.

Emergency Evacuation and Repatriation of Remains Benefits   This policy provides coverage for Emergency Medical Evacuation and Repatriation of Remains.  Both benefits have a limit of $25,000.

The Emergency Evacuation coverage will pay up to $25,000 if an injury or sickness occurs during the course of a sponsored trip, which necessitates an emergency evacuation.  The evacuation must be ordered by a physician who certifies that the severity of the injury or sickness warrants the emergency evacuation.

Emergency evacuation means:

1. The insured’s medical condition warrants immediate transportation from the place where the insured is injured or sick to the nearest hospital where appropriate medical treatment can be obtained.
2. After being treated at a local hospital, the insured’s medical condition warrants transportation to the place where he or she resides (provided such residence is in the US or Canada) to obtain further medical treatment or to recover.
3. Both 1) and 2) above.
4. Covered expenses under this benefit are expenses, up to the maximum, for transportation, medical services and medical supplies necessarily incurred in connection with the emergency evacuation.

Repatriation of Remains coverage will pay up to $25,000 for reasonable covered expenses incurred to return an insured person’s body home (to the US or Canada) if he or she dies during the course of a sponsored trip.

Covered expenses include:

1. Expenses for embalming, cremation, coffin and transportation.
2. Insurance applies only to expenses which are incurred by an insured while outside a 100 mile radius from his/her home or regular place of employment and which are coordinated through AIG International Assistance Services (AIAS).

Travel Assistance Services:  AIG’s International Assistance Services, Inc.  (AIAS) is a special benefit provided to US Lacrosse under this policy.  These services are available to US Lacrosse members while traveling to, from or during sponsored US Lacrosse events.  To be eligible for these services, travel must be outside a 100 mile radius away from the eligible person’s home or regular place of employment or assignment.  Coverage territory is worldwide.

Services Provided: Pre-Departure Services; Emergency Message Center; Medical Assistance; Medical Evacuation; Insurance Coordination; Emergency Cash; Travel Agency; Repatriation of remains; Legal Assistance; Lost Luggage/Lost Passport; General Assistance, such as advice regarding utilizing the services available in consulates, government agencies, translators and other service providers who assist with travel-related problems.  

This policy does not cover any loss, fatal or non-fatal, incurred or resulting from the following:

1.      Suicide or self destruction or any attempt thereat;

2.      Infections, except pyogenic infections caused wholly by a covered injury;

3.      War or any act of war, or accident while the insured person is in the military, naval or air service of any country;

4.      Accident incurred while the insured person is operating, or learning to operate, or performing duties as a member of a crew of any aircraft;

5.      Dental treatment, except as a result of injury to sound, natural teeth;

6.      Replacement of eyeglasses or eye examinations for the correction of vision or fitting of glasses unless the injury causes impairment of sight;

7.      Injury for which the insured person is entitled to benefits under any Worker’s Compensation Act or Law or any similar legislation;

8.      Hernia of any kind;

9.      The insured’s being intoxicated or under the influence of any narcotic unless administered by a physician.  

The Accident Insurance Program is underwritten by AIG Life Insurance Company of Wilmington, DE.  AIG Life is a member company of the American International Group (AIG), and is rated “A++” by A.M. Best’s rating company. 

If you are injured during a covered Lacrosse activity, you may obtain a claim form and instructions on filing the claim by clicking here:  How to File a Claim. No new claim needs to be filed in the event of a catastrophic accident claim. The catastrophic accident claim will be coordinated with the claim filed under the Base Accident policy.

All claims are handled and paid by Bollinger, Inc., insurance administrator for US Lacrosse.

This summary is a brief description only of the coverages, conditions and exclusions of the policy, and in no way affects or alters the scope of coverage provided.  For the full details of terms and limitations, please refer to the actual policy.