The Catastrophic Accident policy covers: all currently registered member players, coaches and officials for injuries in excess of a $25,000 Basic Accident Policy Limit.

Covered Activities

Covered activities are defined as the following for Players, Coaches 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 or as a group of officials, 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, and when acting as an Assignor for Lacrosse activities.

Coverage Description

Catastrophic Accident Policy Limits:

Catastrophic Medical 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 Medical Expense Benefit provides up to $1,000,000 to cover medical expenses resulting from a covered injury. Claims will be paid on a reasonable and customary basis relative to the geographic area where treatment was rendered. Any subsequent medical expenses resulting from that injury, such as additional surgeries or rehabilitation, would be covered for up to 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 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 from 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 has resulted 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.

Policy Exclusions

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. 

Underwriting Company

The Accident Insurance Program is underwritten by by Markel Insurance Company, Glen Allen, VA.  Markel is rated "A" by A.M. Best's rating service.

How to File an Accident Claim

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, 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.