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Kelly Nichols '12
Major: Elementary Education, Integrated Liberal Studies
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- Tuition Insurance
We heard you! You and your family have been asking for protection for your financial investment in your education and we are pleased to announce that Curry is now offering optional tuition insurance. We have partnered with Sallie Mae to offer an opt-in Tuition Insurance Plan.
Protect Your Tuition: Review important information about protecting your tuition in the event you are unable to complete classes due to a covered medical condition. For more information contact Sallie Mae at (877)445-0264 or click on www.TuitionInsurancePlan.com/curry.
TUITION INSURANCE FREQUENTLY ASKED QUESTIONS:
Provided By: Sallie Mae
Why might Tuition Refund Insurance be right for me?
College is one of the largest investments a family will make, however, it often goes unprotected. If a student is forced to withdraw from school for medical reasons, your family could face serious financial repercussions if your school's tuition refund policy does not apply to the withdrawal's unique circumstance and timing. Tuition Refund Insurance reduces the financial risk inherent in the investment in higher education by refunding lost tuition, academic fees and other related expenses should a student be forced to withdraw for medical.
What is covered by Tuition Refund Insurance?
Up to 100% of covered fees up to the chosen policy limits for:
- Withdrawal of the covered student from an academic program due to illness or injury.
- Withdrawal of the covered student from an academic program due to emotional, mental or nervous disorder (Two-day hospitalization required).
- Death of the covered student during the dates of coverage.
- Death of the tuition payer (if different from the student) that results in the student's withdrawal from an academic program.
In order to qualify for "medical withdrawal" the student must have gone through the school's official process for withdrawal, and must have confirmation from a physician that withdrawing from the academic program is recommended for medical reasons.
What are "Covered Fees"?
"Covered Fees" includes the cost of tuition and other academic fees for the covered semester(s). Other costs, such as books purchased directly through the school or the loss of unused room and board costs, may also be covered, up to the policy limits.
If a school provides a partial reimbursement at the time of withdrawal, Tuition Refund Insurance coverage will cover any remaining balances up to the policy limits for covered fees.
What is not covered by Tuition Refund Insurance?
Coverage is not available if the covered student has:
- Voluntarily withdrawn from an academic program.
- Been dismissed from an academic program for academic or disciplinary reasons.
- Incurred a "loss"(injury, illness or death) that occurs prior to or after the period of coverage.
Please note: Coverage is available to any student healthy enough to begin classes. However, if the student has been diagnosed with or is showing symptoms of an illness at the time of enrollment in the Policy, and is forced to withdraw later due to the progression of that illness, coverage would be denied.
- Failed to attend classes for any reason.
- Graduated or completed classes early.
- Been inducted or drafted into the Armed Forces.
- Modified their enrollment status. For example, if the covered student switches from a full-time to a part-time academic program, this Policy would not cover the difference in tuition costs. The student would still be eligible for coverage for tuition paid for their current program, up to the policy limits, should they withdraw for medical reasons.
For a full disclosure of coverage information and exclusions please read through the Tuition Refund Benefit Summary and the full Policy.
Who is eligible for Tuition Refund Insurance Coverage?
Any student who is healthy enough to begin classes, attending an accredited academic program that offers this Tuition Refund Insurance program, and responsible for tuition costs, may purchase Tuition Refund Insurance. This includes students at a college or university, private high school, professional development or trade school, or other academic program.
What does Tuition Refund Insurance cost?
You may purchase different levels of coverage depending on your needs. Check with Sallie Mae for details on pricing.
When can I purchase Tuition Refund Insurance Coverage?
You must purchase the policy prior to the first day of classes.
If I want to increase my limits, do I have to buy more coverage prior to the first day of classes?
Yes, a student needs to purchase any additional coverage prior to the first day of classes.
What is the start date of coverage?
Coverage begins on the first day of school. Nothing is covered prior to that date.
How long does the policy last?
THe policy begins on the first day of classes and covers a traditional academic year, including fall and spring semesters.
How are the policy limits defined?
The full annual premium is divided by whatever number of terms your school uses. For example, for a student with $30,000 annual coverage, whose school follows a traditinal academic calendar, the student would have the ability to file one claim per semester (2 claims in total), and receive up to $15,000 per semester. If a student attends a school on a quarter system, the premium would then be divided by four.
Am I covered while studying abroad?
Yes. Coverage terms apply for any enrolled student, regardless of the location of the academic program. This includes programs outside of the U.S. and Semester-at-Sea programs, however, programs must be affiliated with your school.
Are substance abuse and pregnancy covered?
In order to be eligible, the medical withdrawal must be certified by the student's attending physician as being a condition that prevents them from school attendance for the balance of the term. The conditions, alone without a physician's certification of disability, would not trigger coverage. Conditions relating to substance abuse must meet the DSM-IV requirements and have a 2-day hospitalization.
Are mental health conditions covered?
The indicated covered fees will be paid if the medical disability is due to emotional, nervous or mental disorders as certified by a physician. The covered person must incur a hospital confinement of at least two consecutive days during the period of coverage and completely withdraw from all activities for the balance of the period of coverage. The disorder must be officially diagnosed as an emotional, nervous, or mental condition as shown in the DSM-IV manual.
How do I file a claim?
A student can notify Sallie Mae Insurance Services of a claim by calling 877-445-0264 or by emailing email@example.com. Sallie Mae Insurance Services will work with the underwriter, Markel Insurance Company, on behalf of the student to process the claim. The underwriter will issue the payment directly.
Who receives claim payment?
Payments will be made directly to the policyholder. Claim payments are made once all of the requested documentation is processed and approved. In most cases, the insured's school is the policyholder and will receive payment on behalf of the insured. If there is no outstanding tuition payments due, the school will forward the payment to the insured. In instances where the school is not the policyholder, payments will be issued to the insured.
What documentation is required to submit a claim?
Students are required to submit a completed claim form, as well as additional verification information from their school and attending physician. For more information on what is required in order to file a claim please email Sallie Mae at firstname.lastname@example.org or call 877-445-0264.
Can a student file a claim for the same condition in each semester?
Yes. As long as the student is provided a clean bill of health prior to the start of the second semester, if the student suffers from the same or similar condition and is forced to medically withdraw again during a new semester they would be covered.
What is the cancellation policy?
Policies may be cancelled and refunded in full prior to the first day of classes. For cancellation inquiries call 877-445-0264 or email Sallie Mae at email@example.com.