Terms & Conditions

By using this website you agree to these terms. If you do not agree, please do not use the site. This site is operated by Longshoremen Members & Family Insurance.

The information on this website is provided for general reference only. It is a summary and is not a contract of insurance.

Coverage is governed solely by the terms, conditions, limitations, and exclusions of the issued policy or certificate. If anything on this site conflicts with the policy, the policy controls.

Premium rates and benefit amounts shown on this site are current as published by the carrier and are subject to change. Rates may vary by plan, age, coverage tier, and state of residence.

Eligibility for guaranteed issue amounts depends on the enrollment period and the terms in effect at the time you apply.

Nothing on this site is legal, tax, medical, or financial advice. Speak with a licensed Benefit Advocate about your own circumstances before making a coverage decision.

This site links to resources hosted by the insurance carrier and other third parties, including claim forms and enrollment portals. We do not control those sites and are not responsible for their content, availability, or privacy practices.

The content, layout, and design of this site are owned by us or our licensors and may not be reproduced without permission. Carrier brochures and forms remain the property of their respective owners.

To the fullest extent permitted by law, we are not liable for any loss arising from your use of, or reliance on, information found on this site.

We do not warrant that the site will be uninterrupted or error-free.

We may change the site or these terms at any time. The date at the top of this page shows when these terms were last revised.

Questions about these terms? Call 800-652-8281, or write to us at 3012 19th Street, Suite B, Metairie, LA 70002.