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30

Jan, 2017

What Parents Should Know Know About Little League Insurance

WHAT PARENTS SHOULD KNOW ABOUT LITTLE LEAGUE® INSURANCE

The Little League Insurance Program is designed to afford protection to all participants at the most economical

cost to the local league. The Little League Player Accident Policy is an excess coverage, accident only plan, to be used

as a supplement to other insurance carried under a family policy or insurance provided by an employer. If there is

no primary coverage, Little League insurance will provide benefits for eligible charges, up to Usual and Customary

allowances for your area. A $50 deductible applies for all claims, up to the maximum stated benefits.

This plan makes it possible to offer exceptional, affordable protection with assurance to parents that adequate

coverage is in force for all chartered and insured Little League approved programs and events.

If your child sustains a covered injury while taking part in a scheduled Little League Baseball or Softball game or

practice, here is how the insurance works:

1. The Little League Baseball and Softball accident notification form must be completed by parents (if the

claimant is under 19 years of age) and a league official and forwarded directly to Little League Headquarters

within 20 days after the accident. A photocopy of the form should be made and kept by the parent/claimant.

Initial medical/dental treatment must be rendered within 30 days of the Little League accident.

2. Itemized bills, including description of service, date of service, procedure and diagnosis codes for medical

services/ supplies and/or other documentation related to a claim for benefits are to be provided within 90 days

after the accident. In no event shall such proof be furnished later than 12 months from the date the initial

medical expense was incurred.

3. When other insurance is present, parents or claimant must forward copies of the Explanation of Benefits or

Notice/ Letter of Denial for each charge directly to Little League International, even if the charges do not

exceed the deductible of the primary insurance program.

4. Policy provides benefits for eligible medical expenses incurred within 52 weeks of the accident, subject to

Excess Coverage and Exclusion provisions of the plan.

5. Limited deferred medical/dental benefits may be available for necessary treatment after the 52-week time limit when:

(a) Deferred medical benefits apply when necessary treatment requiring the removal of a pin /plate, applied to

transfix a bone in the year of injury, or scar tissue removal, after the 52-week time limit is required. The

Company will pay the Reasonable Expense incurred, subject to the Policy’s maximum limit of $100,000 for any

one injury to any one Insured. However, in no event will any benefit be paid under this provision for any

expenses incurred more than 24 months from the date the injury was sustained.

(b) If the Insured incurs Injury, to sound, natural teeth and Necessary Treatment requires treatment for that

Injury be postponed to a date more than 52 weeks after the injury due to, but not limited to, the physiological

changes of a growing child, the Company will pay the lesser of: 1. A maximum of $1,500 or 2. Reasonable

Expenses incurred for the deferred dental treatment.

Reasonable Expenses incurred for deferred dental treatment are only covered if they are incurred on or before

the Insured’s 23rd birthday. Reasonable Expenses incurred for deferred root canal therapy are only covered if

they are incurred within 104 weeks after the date the Injury occurs.

No payment will be made for deferred treatment unless the Physician submits written certification, within 52

weeks after the accident, that the treatment must be postponed for the above stated reasons.

Benefits are payable subject to the Excess Coverage and the Exclusions provisions of the Policy.

We hope this brief summary has been helpful in providing a better understanding of the operation of the Little

League insurance program.

Contact Us

East Jefferson Little League

PO Box 403 
Port Hadlock, Washington 98339

Email Us: [email protected]
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