Legionnaire Insurance Trust - Underwritten By Life Insurance Company Of North America Legionnaire Insurance Trust Program Veterns Be Aware!! They don't break the law but they aren't here to pay your claims, just to collect premiums. Santa Barbara, California

I am a 4 year policy holder with the LIT, specifically the Hospital Indemnity Plan.  I am an Agent Orange induced Muliple Myeloma cancer patient and have spent literally 1 1/2 years in-hospital, for chemo, radiation and bone marrow transplants.  While I first applied for LIT back in 2008, I did not have occasion to file my first claim until sometime in 2009, a bit after the obligatory 1 year period for pre -existing conditions had passed.  Upon filing my first claims, I too received a request for my medical records for the last 2 years, as did my Oncologist.  Needless to say, I was as upset as the complainant here, as those medical records entailed visits to at least 7 different Physicians, the V.A. and three different hospitals.  However, before I or my Oncologist had time to respond, I received a notification that my claim had been received, was being processed and that I needed to do nothing further.  About 10 days later my first two checks arrived.  I can only assume that whomever began to process my first claim(s) failed to recognize that I had exceeded (by 2 months) the 1 year "look back" period for pre-existing conditions and had sent out the med records request erroneously and, that someone at LIT had caught the mistake and corrected it on the spot.  Although I have never received any explanation of what went on, I HAVE submitted at least 7-10 more claims since then, some for very lengthy cancer stays, and have received, promptly and accurately, payment within 10 days to 2 weeks, no further questions asked.

I have found my investment in LIT to be a VERY valuable addition to my overall health insurance plans, and HIGHLY RECOMMEND the plan to EVERYONE who may even remotely envision the need for hospitalization in their future.

As for the original complainant, I am truly sorry to hear of your problem with LIT subsequent to your Dad's hospitalization and suspect that it may have to do with the "look back" period for pre-existing conditions, if your Dad had the policy less than a year.  If you envision, God forbid, that your Dad will have to endure subsequent hospitalization(s) in the future, my advice would be to work out the initial problems with LIT and continue the policy.  In my experience, I just cannot think of any program that is more worthwhile and a better investment than the LIT.

GOOD LUCK!

It is not possible to determine from this complaint why there was a delay on this claim.   It sounds like this is the LIT Hospital Indemnity Plan. The reason medical records may have been requested in this case is because the coverage requires an investigation into whether or not there is a pre-existing condition.   In the case of this plan, there is a waiting period before pre-existing conditions may be covered.  All claims for newly insured members are handled this way according to the contract. This provision is clearly disclosed when a member signs up for coverage.  It is not hidden in any way.  We regret that there appears to have been a misunderstanding in this case.  The Legionnaire Insurance Trust has provided over $500 million of benefits to Legionnaires over the course of its over 40 year existence. That would tend to underscore its value to thousands of Legionnaires.

It is not possible to determine from this complaint why there was a delay on this claim.   It sounds like this is the LIT Hospital Indemnity Plan. The reason medical records may have been requested in this case is because the coverage requires an investigation into whether or not there is a pre-existing condition.   In the case of this plan, there is a waiting period before pre-existing conditions may be covered.  All claims for newly insured members are handled this way according to the contract. This provision is clearly disclosed when a member signs up for coverage.  It is not hidden in any way.  We regret that there appears to have been a misunderstanding in this case.  The Legionnaire Insurance Trust has provided over $500 million of benefits to Legionnaires over the course of its over 40 year existence. That would tend to underscore its value to thousands of Legionnaires.