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No excuse to do embarrassing carwash or GoFundMe for a loved one! For the respect of your dignity in life and in transition JOIN LECDALIFE / LECDALIFE-KIDS with all your family members, friends, and community!
LECDA-LIFE INSURANCE PROGRAM
For the purpose of LECDA-Life, residency means a person’s place of domicile. This means that you must not only be a resident of any locality in the US, but you must be living there with the intent of making it your fixed and permanent home. For deaths that occur outside of the USA, items as utility bills and official documents may help prove USA residency requirement at the time of death of the deceased member.
Criteria & Membership
- Members must be a United States resident by basic definition.
- Though social security or green card is necessary at enrollment, proof of USA residency is expected when filing for benefit for deaths outside the USA.
- Membership is open to any group of 20 or more members such as family, cultural, social, alumni, professional, or religious groups.
- A $20 onetime enrollment fee per member is due at a member’s enrollment.
- An annual administrative fee of $12 is due by January 31st or right after a member becomes matriculated.
- There is no age limit to membership but there are waiting periods to be vested: The waiting period for members 50 years and under is 3 months Waiting period for members 51 years and above is 5 months.
- If a member withdraws from LECDALIFE and decides to rejoin, he/she will pay a $300 reactivation fee, and in addition, pay back, retroactive contributions on all deaths during the period when his/her membership had lapsed.
Member’s Benefit
- A Member’s benefit is $15,000 standard compensation paid in event of the death of a member who is in good standing.
- $5000 for U.S/Mexico/Canada (USMC) resident member who dies outside U.S/Mexico/Canada and is buried in the country of death.
- When a member dies, the member’s anticipated benefit is divided equally over the total number of existing members to determine the contribution of each member towards the payment of the compensation to the next of kin of the deceased member.
- Group contribution for every death incidence will be the total amount for compensation divided by the total number of members, multiplied by the number of members of each group.
- Decision of place is not required at registration but needed from the family of the deceased member, through its group coordinator, at the death of a member for appropriate benefits.
Enroll Today & Enjoy Life
LECDA-LIFE KIDS INSURANCE PROGRAM
LECDALIFE KIDS is an affordable life insurance program developed and run by Lebialem Cultural and Development Association (LECDA-USA Inc.) aimed at addressing the shortcomings of group life insurance programs and intended to provide funeral assistance to its registered members in good standing.
Enrollment requirements
- Be a resident of US, Canada, or Mexico
- Pay a one-time registration fee of $20
- Pay an annual administrative fee of $12
- Upon enrollment, there is a waiting period of 60 days to qualify for benefits.
- A parent/legal guardian of the child enrolling must be a member of LECDALife.
- Name of the child, date of birth, names of both parents, and their LECDA-Life matriculation numbers if applicable.
- Parents can also enroll in LECDALife while enrolling their children.
Criteria & Membership
- LECDALIFE has realized that many kids in North America (US, Mexico, and Canada) are currently not covered by any life insurance program.
- Many parents who enrolled their children in the adult program of LECDALife struggle to make payments when a death occurs.
- To lessen the financial burden, LECDALIFE has created LECDALIFE-KIDS.
- LECDALIFE-KIDS PROGRAM is for children below 18 years.
- Children in this program will only contribute when a death occurs in their category (0 to below 18 years of age).
- Once a child turns 18, he/she will be transferred to the adult program upon request.
- No registration fee will be required for the transfer.
Member’s Benefit
- When a death occurs in U.S/Mexico/Canada (USMC) or any country, $10.000 will be disbursed to parents/legal guardians for funeral expenses, irrespective of place of burial.
- When a death occurs in Africa and burial is in the country of death, the sum of $5000 will be disbursed to the deceased parents/legal guardians for funeral expenses.
- The sum disbursed to the beneficiary will be raised by dividing it by the number of children enrolled and active in the program.
- Coverage for the Kids’ program begins on May 20, 2021.
Enroll Today & Enjoy Life
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