We discuss possibility of describing solar, atmospheric and LSND results with four neutrinos forming two quasi-degenerate pairs. The simplest versions of this 2+2 scheme with either $ν_e$ or $ν_μ$ mixing exclusively with sterile neutrino is disfavored by the SNO and atmospheric neutrino results respectively. A generalized scheme with sterile state participating in both the solar and atmospheric oscillations is still allowed. We show thasolar and atmospheric oscillations is still allowed. We show that the complex pattern of mixing needed for this purpose follows from a simple L_e+L_μ-L_τ-L_s symmetry. Specific form of L_e+L_μ-L_τ-L_s symmetric mass matrix is determined from experimental results. Two theoretical schemes which lead to this form and a proper breaking of L_e+L_μ-L_τ-L_s symmetry are discussed.

15 pages, LATEX, minor corrections; addition of few references