Claims Appeal Process

LGIT offers a unique Appeals Process for members who believe coverage should not be denied in a specific claim. This process is available only to LGIT members and cannot be utilized by a third-party claimant.

The assigned claims representative will inform the member whenever coverage is determined not to apply. If the member disagrees with the Claims Staff’s decision, they have the right to initiate an appeal using the following procedure:

1. Formal Request
   The member must submit a written request for a hearing to the LGIT Claims Committee, which is comprised of local government officials from LGIT member entities.

2. Scheduling
   The Director of Claims places the appeal on the agenda for the next Claims Committee meeting.

3. Claims Committee Hearing
   At the meeting, the member has the opportunity to present its case for coverage. The Claims Committee then determines whether or not coverage should be granted.

4. Appeal to the Board of Trustees (if necessary)
   If the Claims Committee denies coverage, the member has the right to request a hearing before the Board of Trustees. The member may attend and present its case. The Board will then decide whether to uphold the Claims Committee’s recommendation or to extend coverage.

5. Final Option – Arbitration
   If the Board of Trustees also denies coverage, arbitration may be pursued as a final option.