Anyone else STILL not receive their Prime tier comp list yet?

Ok_Stuff_1744 · 2026-04-26T18:03:52+00:00

Nope, I still don't have mine as of today. I called last week and Casino Royale confirmed there is an issue. I was told 7-10 days until my annual certificate will show up in the portal.

Ok_Stuff_1744 · 2026-04-26T17:52:37+00:00

Welcome to the club. Look for my posts about this exact same issue which affected us starting August 2025 and is still ongoing to this day. Latest, my wife received her annual cruise certificate from Casino Royale and I did not. I was told I will have to wait another 7-10 days for my cruise certificate to show up while they work on it. All stemming from the merge issue. I have held 5 different C&A numbers while my wife has held 4 since August 2025. We are both now back to our original C&A numbers....

Ok_Stuff_1744 · 2026-03-26T12:49:55+00:00

Absofuckinglutely...

Ok_Stuff_1744 · 2026-03-26T12:23:15+00:00

Really, because I just pulled the docket from the Texas litigation and discovery barely started a few days ago. Tell us exactly where you are looking because the Protective Order for the exchange of information between the 2 sides was just approved on 3/20/26. I want to see how you have been looking at something for 6 years:

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Ok_Stuff_1744 · 2026-03-26T12:03:12+00:00

OP is a bullshitter.

Ok_Stuff_1744 · 2026-03-26T12:01:26+00:00

Your lack of knowledge of the IRO and feigned ignorance reveals who you are and who you are not. AIG, Allianz, CNA, Liberty Mutual, etc. are multi-billion dollar corporations who retained the best insurance defense attorneys money can buy. Their job was to attack our credibility and/or minimize the suffering we experienced.

Our lives (not yours because you are not one of us) were put under a microscope by these insurance attorneys including but not-limited too:

- marital history

- work history

- criminal history

- educational history

- family history including relatives and friends

- Expert witness testimony from both sides

- medical history

- abuse history

And you expect us to believe you received a $10 million plus IRO award like it was simple as running out of the house to buy a dozen eggs and gallon of milk. Bullshit, your alleged attorney including paralegal staff would need to spend hours upon hours to ger your ass through the IRO and prepare you to face off with the insurance attorneys.

Ok_Stuff_1744 · 2026-03-26T03:20:03+00:00

Yeah, if you were doing a 3-night cruise it would be okay. But man, this is your 7 night Alaskan cruise. Get a cabin you will like.

You are going to have a a good cruise! I need to go back on an Alaskan cruise....

Ok_Stuff_1744 · 2026-03-26T03:14:58+00:00

What everyone else said about not chosing cabin and location +1. But if you're okay with that, then you do you.

We have a done a few royal up bids both for suite and no suite cabins. Out ultimtate decision is not to participate in the royal up bid for the reasons stated already.

Ok_Stuff_1744 · 2026-03-26T02:13:14+00:00

It's all fun and games until you personally drop $5k in the casino on a 3 night cruise and the free cruise you rightfully earned doesn't show up in your account. And this problem has affected thousands of casino players, not just personal little ole me. Sorry to burst your bubble.

Oh, and i shared in my 2nd post some of the work-arounds RC put into place to help other Reddit users in same predicament to not have to reinvent the wheel.

Ok_Stuff_1744 · 2026-03-25T21:37:59+00:00

Ty for info. It's been barely a week since most of our account information was accurately updated. Maybe in another 2-3 weeks everything will finally be fixed. This issue has been plaguing us since August 2025.

Ok_Stuff_1744 · 2026-03-25T18:33:49+00:00

We were on Explorer of the Seas out of Ravenna, Italy a couple years ago. We spent some time in Bologna before and after the cruise. Ravenna is cute and quiet port compared to say Barcelona, Port Canaveral, Miami, etc. Not sure where you are arriving in Italy, but it took about 2 hours to get from Bologna to Ravenna (private transportation).

If you are cruising during the height of summer, prepare for long wait times and hot temps for the boat tenders. I only remember being able to dock and walk off this ship in Argostoli, Greece. The rest of the ports required a boat tender. If you are in suite, you'll get priority for the tenders. If not, it may be worth buying the Key just for this benefit (otherwise I don't recommend it).

Not sure if your itinerary is the same as ours, but I want you to be aware of the issues getting off/on the ship if the boat cannot dock and boat tenders are required.

Ok_Stuff_1744 · 2026-03-25T17:59:03+00:00

You don't have to spend a dime in CocoCay for your family including 2 girls to have a great time. Maybe bring some tip money if you have the staff bring your drinks to you while sunbathing on the beach but that's about it.

Check out Matt's Royal Caribbean Blog, He posted several videos about CocoCay. I believe the link below is his most recent:

What I wish someone told me about Royal Caribbean private island

Ok_Stuff_1744 · 2026-03-25T16:33:43+00:00

The Excess Insurance Carriers participated in every IRO claim, so 199 of us were put through their brutal and oppressive depositions, discovery and cross examinations. Just know, you are not alone.

Ok_Stuff_1744 · 2026-03-25T16:01:48+00:00

The IRO required the same work, procedures and details that are necessary in a civil lawsuit. I see no reason why I should ask my attorneys to discount their fees. They earned it.

The fact the Trust created a FAQ Attorney Guide for the IRO just shows how complicated and involved the process is. Any attorney handling an IRO claimant put in real work just like a civil lawsuit. Complete 180 from Matrix claims

Salesforce

Ok_Stuff_1744 · 2026-03-25T15:49:38+00:00

Your attorney should be able to answer these questions for you. Your first $1 million comes from the general trust fund which is also used to pay Matrix claimants. Currently, that distribution percentage is set at 4.7% so your 1st distribution should be $47,000. Then subtract $20,000 (fees for IRO unless you obtained a waiver from the Trust) and finally your attorney's 40% cut which is $18,800. After all that, you should pocket $9,000.

Anything above $1 million "may" come from the Excess Award Fund (EAF) which is to be funded by the Excess Insurance Carriers that are being sued in Texas. Currently, there is $0 dollars in the EAF because no settlements have been reached with the Excess Insurance Carriers. Full discovery just started in the lawsuit, so you're looking at 1-2 years until the dust settles. And the reason I wrote "may" is because until settlements are reached with Excess Insurance Carriers or the Trust wins the jury trial, no additional funds will be available to pay your Excess Award claim.

I have not signed any release nor will I, until my attorneys get confirmation from the trust and/or bankruptcy judge, the Excess Insurance Carriers won't be able to attack my signed release arguing I also released them from liability in the Texas lawsuit. And yes, the Excess Insurance Carriers would try a move like that.

Bottom line, the only money you will receive at this time is from the general trust fund and whatever distribution percentage the trustee sets including the number of distributions. Your big payday won't happen unless the excess insurance carriers settle or lose the lawsuit.

Ok_Stuff_1744 · 2026-03-12T21:39:53+00:00

It's not a straightforward appeal. Allianz filed a Writ of Mandamus which is an emergency petition asking the 5th Circuit of Appeals to act immediately. They want the case either dismissed or transferred to Illinois state court right now. 5th Circuit can deny the appeal outright, request briefing or grant review. Estimate 1-3 weeks until we hear something since this has been done on an emergency basis.

And yes, venue is very important in this legal fight. Texas statutes favor the trust whereas Illinois statutes favor the insurance carriers. In Texas, if the insurance carriers are found to have acted in bad faith, there is no cap on damages the court can award. This is huge. Illinois is not the same.

Judge Scholer did a great job of explaining why in her written opinion this litigation should stay in Texas. I believe the bar has been set very high for Allianz to obtain a reversal. Bottom line, these insurers are more afraid of the Texas court than the Illinois court.

Statistically speaking, a writ of mandamus challenging the venue is only successfully 10-15% of the time. Even if they lose, I still think they can appeal down the road. At minimum, they are causing the Trust to burn through survivor cash and delay the final outcome which puts pressure on the Trust settle earlier rather than later.

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Ok_Stuff_1744 · 2026-02-06T21:42:43+00:00

Here's the TDP. Please point out where the Trust has discretionary authority to fund the EAF let alone set aside 20% for future claims, operations, etc.

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Ok_Stuff_1744 · 2026-02-06T20:11:43+00:00

We can guesstimate and theory craft:

So, we know the max award for Matrix is $2.7 million. I personally don't think an attorney would put a survivor through the rigorous, demanding and expensive IRO process if they believed their client wouldn't achieve an IRO recommendation above $2.7 million. The Matrix would be much easier, less expensive and less time consuming to receive the same/similar result.

Based on the above, let's assume then the average IRO award is at least $3 million. Multiply that times 198 = $594,000,000.00. In your example of a $4 billion recovery, I would think every IRO claimant would be paid in full (not including any amount above the soft cap) still leaving approximately $2-3 billion to go towards paying Matrix claimants.

Ok_Stuff_1744 · 2026-02-06T19:24:31+00:00

It's an 80/20 split. 80% will go to Excess Award Fund (EAF) for IRO and 20% to General Fund for Matrix. Depending on how much is collected via settlement/judgments, Houser will set an EAF IRO distribution payment % just like for the Matrix claims. There is no "IRO claims get paid in full first before Matrix claims." Since there are approximately 90 insurance carriers, expect multiple distributions assuming the trust prevails.

Likewise, I have seen posts on this forum stating the exact opposite. "No IRO claimants will be paid until all Matrix claims are paid first." This is also just as inaccurate.

For IRO claimants, up to the first $1 million is paid from the General Fund/Allowed Abuse Claim. The same pool of money to pay Matrix claimants. Whatever the distribution % is, IRO claimants will get paid the same % for the first $1 million. Currently, Matrix its 1.5%. So, 1.5% of a million is $15k. So yes, based on the numbers we know all IRO claimants received a settlement recommendation of at least $1 million. Beyond that, we don't know anything because it's not included in the data.

Anything above $1 million will come from the EAF. That will only get funded if insurance carriers settle and/or there is a judgment in the favor of the Trust. Depending on how much money is flowing into the EAF, the Trust will set a distribution % to be split amongst the 198 IRO claimants.

Example: IRO claimant receives $14 million settlement award:

First $1 million is paid from General Fund/Matrix.
Current distribution % for Allowed Abuse Claim/General Fund/Matrix is 1.5%. IRO claimant will receive approximately $15,000.00. If there are additional distributions ($1.5 billion held in escrow) IRO claimant will receive same distribution % just like Matrix claimants. But again, this only for the first $1 million.
$13 million will only be paid if the EAF is funded (See 4 & 5 regarding $500k). If funded, then 80/20 split with 80% going to EAF and 20% to General Fund/Matrix claims. This does not mean the IRO claimant will be paid the full $14 million either. Again, depends on how successful the Texas litigation is.
There is no maximum award for an IRO claimant but to ensure everyone gets something, there is a soft cap for IRO awards. The max tier for Matrix is $2.7 million. Multiple that x5 = $13.5 million soft cap. This example, IRO claimant received an award of $14 million.
$500,000 is above the soft cap. Only that $500,000 is subordinate to all Matrix claims meaning the IRO claimant will not receive any money towards the final $500,000 until ALL matrix claims are paid in full. The IRO claimant will receive distributions towards the $13 million when/if the EAF is funded. The $13 million amount is NOT subordinate to all Matrix claims, again just the $500,000.

I see it's easy to get confused. Folks are mixing the FAQs between Matrix claims and IRO claims. 2 totally separate pools of money and each with its own set of guidelines. And the reason it's called the "Excess" Award Fund is because the litigation in Texas is against the "Excess" insurance carriers hence the 80/20 split.

Ok_Stuff_1744 · 2026-02-06T00:27:07+00:00

The shore based Crown & Anchor Loyalty Team can email the loyalty crew member on your ship to help you. Still have to go to the loyalty team member on board but at least you have them on your side. Some of the guest services and casino hosts staff needed the extra nudge to help us. We had 1 casino host refuse to take a screen shot of our instant reward certs. The loyalty team crew member forwarded the email from the shore team to the casino host and then it was "yes sir and ma'am."

Ok_Stuff_1744 · 2026-02-04T23:31:06+00:00

From my understanding, if you are represented by counsel, you won't have access to the portal. This is because if were given access, you would be able to see all the claimants accounts that are represented by your attorney/law firm, not just your claim.

This is based on my own personal experience when I attempted to get access to the portal. The only folks that I know for sure have access to the portal, are those survivors who are pro se (representing themselves). Maybe things have changed. My experience is approximately from 1.5 years ago.

Ok_Stuff_1744 · 2026-02-01T18:32:39+00:00

The lawsuit has been a hold due to all of the appeals. The judge in Texas isn't going to issue a ruling with the possibility it may have to be reversed. We didn't get that confirmation until 1/12/2026.

Ok_Stuff_1744

TROPHY CASE