Lecda Life

Standard Benefit Package

A member in good standing receives a standard compensation of $15,000 upon death, irrespective of where they die or are buried. LECDALIFE is unique in covering burial in the US, Cameroon, or other parts of the world.

Half Benefit Rule

A member who dies within one year (365 days) after becoming active with a policy or matriculation number will receive half of the standard benefit package ($7,500), provided the member was in good standing at the time of death.

Contribution Example

The benefit is raised by dividing the payout by the number of existing adult members.

Example (with 3,000 adult members):
$15,000 ÷ 3,000 members = $5.00 per person.
An affiliated group of 20 members will receive an invoice of $100 ($5 x 20).

Residency and Enrollment

• Residency: Member must be physically present in North America at registration (includes domiciled or long/short stay visitors).
• Group Enrollment: Membership is open to any group of 20 or more members such as cultural, social, alumni, professional, or religious groups.
• Family Groups: A family of not less than 10 members can enroll independently as a group in LECDALIFE.
• Individual Enrollment: Individuals can enroll only through an affiliated group.

Waiting Period, Fees and Reinstatement

• Waiting Period: 5 months or 150 days for every new or returning member.
• Fees (After Waiting Period): Enrollment fee: $20 and Annual administrative fee: $12 (Two payments due).
• Reinstatement: Members who withdraw and rejoin must pay a $300 reactivation fee plus retroactive contributions on all deaths during their lapsed period.
• Enrollment Window: From the 20th to the 28th of every month or during special annual enrollment.

Delinquency and Benefits

• Prompt Payment: Groups must make prompt payment on an invoice’s deadline to remain in good standing.
• Delinquency Risk: Late or non-payment puts the group at risk of not benefiting at the time of a member’s death.
• Benefit Package Increase: The Death Benefit Package may increase based on LECDALIFE consultation with its existing members.

Documents Needed to Claim Benefits

• Death Certificate.
• Identification and contact information of next-of-kin by Group Coordinator.
• Photo of the deceased member (to be shared on LECDALIFE WhatsApp).
• Proof of USA residency (required only for death outside the USA).
• LECDALIFE Claim Form completed and notarized by the beneficiary.
• Note on Fund Use: Payment is for funeral assistance, but LECDALIFE does not dictate how the beneficiary uses the funds.

LECDALIFE Presenting at Funeral

LECDALIFE is committed to having an administrator or representative at the funeral of a deceased member.

The Group Coordinator is expected to provide funeral information ahead of time and negotiate a prime time slot for the representative to:

• Present the condolence message.
• Publicly hand the check to the beneficiary.

Enrollment Requirements and Eligibility

• Eligibility: Children below 18 years.
• Residency: Must be a resident of North America with a physical address in the USA.
• Parent Requirement: A parent or legal guardian of the enrolling child must be a member of LECDALIFE.
• Fees: $20 one-time registration fee and $12 Annual administrative fee.
• Waiting Period: 5 months or 150 days upon enrollment.

Required information: Child’s name, date of birth, names of both parents, and their LECDALIFE matriculation numbers (if applicable). Parents can also enroll in LECDALIFE while enrolling their children.

Benefits and Contributions

• Benefit Payout: When a death occurs, $10,000 will be disbursed to parents or legal guardians for funeral expenses, irrespective of the place of burial.
• Contribution: Children in this program will only contribute when a death occurs in their category (0 to below 18 years of age).
• Payout Calculation: The $10,000 sum is raised by dividing it by the number of children enrolled and active in the program.
• Transfer to Adult Program: Once a child turns 18, he/she will be transferred to the adult program. No registration fee is required for the transfer.