The LRFA Supplemental Health Care Plan helps guard against unforeseen expenses, by providing monetary compensation for each day of your hospital stay. This benefit also applies if you are hospitalized while traveling abroad. Benefits from this plan are paid directly to the member or to a member authorized person, regardless of any other health coverage the individual may have.
Eligibility & Enrollment
Anyone who wishes to be accepted into one of the Supplemental Health Care plans must be at least 18 years of age and in good health. To apply for coverage, current LRFA members must complete and return form (F-40) 
.
Anyone who is not currently an LRFA member must also send in a completed LRFA membership application form F-48(a) along with the appropriate fees.
Waiting Periods
In order to qualify for benefits, the following waiting periods apply (from the date of acceptance into a plan):
- One (1) month waiting period - for anyone who is currently and has been an LRFA member for a continuous period of one year or more; (Benefits may be available immediately in the event of an accidental injury)
- Three (3) month waiting period - for all individuals enrolling in a Supplemental plan along with LRFA membership application.
(Maternity benefits are only available when the mother has been a member of that specific coverage group for at least nine (9) months prior to delivery.)
LRFA Plan Types
The Supplemental Health Care Plan consists of 5 groups: I, II, III, Special A and Special B. These coverage groups entitle the member to monetary compensation for each day of hospital stay. The member may also receive compensation up to four (4) weeks after being discharged from the hospital if hospitalization was a result of an accidental injury. If the accidental injury results in out-patient care, the member is eligible for benefits up to two (2) weeks with a written conformation of disability from the physician. In addition, if a member of group I, II or III suffers the loss of his/her hand, foot or sight, this plan will cover each loss with the following one time benefits: $1,000 (group I), $2,000 (group II), $3,000 (group III).
Not Covered
You are not eligible for benefits if you are hospitalized due to a mental illness, AIDS, war injuries, or injuries resulting from participation in demonstrations or police actions. Benefits do not apply if you are receiving medical care in nursing homes, convalescent residences, mental institutions, extended care facilities, state hospitals, VA hospitals, or drug and alcohol rehabilitation clinics.
Requests for Benefits
Benefits may be requested from the LRFA office, no later than six (6) months after treatment or examination. The participant must complete and sign a benefit request form, and submit it along with all hospital and physician bills (or legible copies). Bills must clearly show dates of treatment, types of treatment/operation, and diagnosis.
These pages are designed to provide general descriptions of our benefit plans and further restrictions may apply or may have changed. For further information, please contact the LRFA office or refer to specific plan Regulations.
