Little League Insurance Info

WARNING: Protective equipment cannot prevent all injuries a player might receive while participating in
Baseball / Softball.

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:
    1. 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.
    2. 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.