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For Parents and School Administrators

How To File A Claim

If a student is injured in an accident during interscholastic sports or another Missouri State High School Activities Association sanctioned activity, report the accident to the principal's office immediately to obtain claim-filing instructions. The school will mail an accident report to the insurance agency that processes claims, the Lawrence E. Smith and Associates Agency. The agency will then mail to the parent's home a claim form to complete along with detailed claim completion instructions. It is the parents' responsibility to make certain the  claim form along with itemized copies of unpaid medical bills are mailed to the claim processing agency within 90 days from the date the accident occurred. THE COMPLETED CLAIM FORM MUST BE FILED WITHIN 90 DAYS FROM THE DATE OF ACCIDENT to be eligible for any available school policy benefits.

 

The school insurance policy is not intended to replace family or group health insurance policies.  If other insurance or an HMO, PPO or similar pre-paid medical plan covers your family, you are encouraged to utilize your HMO or PPO participating physicians, hospitals and other medical service providers to receive maximum benefits payable from your personal insurance source and the school policy.  

The school policy will only consider payment of medical bills that are not paid or payable from other collectible sources of coverage. The school policy has limitations and does not guarantee that parents will receive 100% cioverage for all medical bills.  Doctors, hospitals and other medical service providers are free to establish their own fee levels.  However, the school insurance policy pay benefits subject based on the benefit levels and terms stated in the policy. FILING A CLAIM DOES NOT GUARANTEE THAT YOU WILL BE REIMBURSED FOR YOUR CHILD'S MEDICAL EXPENSES. THE SCHOOL POLICY HAS LIMITATIONS AND EXCLUSIONS THAT MAY APPLY TO YOUR CHILD'S CLAIM. We encourage all parents to read the sections in this website summarizing the policy benefits, terms, limitations and exclusions.

It is the parents financial responsibility to pay for any medical expenses not covered by the accident policy purchased by the school.  

It is the parent's resonsibility to mail the completed claim form along with copies of all itemized medical bills and a copy of the explanation of benefits received from your personal family insurance indicating what they will or will not pay to Lawrence E. Smith & Associates, Agency. The claim form must be submitted no later than 90 days after the date of accident to be eligible to receive any school insurance policy benefits.   Copies of itemized medical bills are needed to process your claim. You only need to submit ONE completed claim form for each accident. You do not have to send another claim form if you are submitting additional bills that come in later. To submit additional bills, simply note on the bills the student's name and school district where your son or daughter attends school and forward to the Lawrence E. Smith and Associates Agency claims office.

IMPORTANT: When contacting the agency claim office about a claim, please state the full name of your injured son or daughter and the name of the SCHOOL DISTRICT where he or she attends school. The school district name is needed to locate the student’s claim records for you. Generally, valid claims are processed within 10 working days after receipt of the completed claim form, itemized bills and written evidence of what medical bills were paid or not paid by any other collectible sources of coverage.

For additional information regarding the school policy go to the 'Important Links' tab at the top of this page.

 

PLEASE DO NOT CALL THE SCHOOL ABOUT THE STATUS OF A CLAIM! The school does not process or keep records regarding claims.  

CONTACT  Lawrence E. Smith & Associates Agency claim office: Phone 800-325-1350 or Fax 636-532-1737 Email  info@lesmith.net

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