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browningny | Have a quick question on insurance coverage? |
I'm a sophmore in college, and i'm on my dad's insurance plan, however the rules are that i'm a full-time student. Well since january first i was, but yesterdayy i had to drop all my classes and withdraw from school to help pay for rent/other debt until i can go back next fall, does anyone know if i'm still covered for a few weeks, or how this works since i'm not in school, but was signed up in january? |
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Insurance Biz CT
|
Typically, if you withdrew after the start of the month, your coverage would end at the end of that month. You are, however, eligible for COBRA or state continuation.
I will tell you that once your insurance carrier certifies that you are a full-time student, they don't ask you to re-certify until next year. You may not hear from them again until September. You would be running the risk of being found out if you don't tell them that you are no longer eligible for coverage.
I would suggest that, if you no longer meet the requirements (age and full-time status) that your father notify his human resources department and you look into the cost of coverage through COBRA, or seek out individual coverage. If, in the fall, you are once again eligible (enrolled again as a full-time student), you can be re-enrolled in your father's plan |
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steffo
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It depends on your dad's company. Sometimes companies ask to see every report card or class schedule as proof of student enrollment. Some companies do this once a year some do it 3 times a year. If your luck you may be able to get away with it till the end of the semester, but if they ask for your grades they'll noticed that you droped your classes. They can go back and terminate your coverage from the date you droped your classes. So don't risk it, because they'll go back and request a refund for any claims they may have paid out, in turn they become your responsibility. hope this helps. |
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joer2424
 |
Be more specific on insurance. Im assuming your talking health insurance.. but if your talking auto insurance, here is my answer.
You still have insurance even though you are not in school. Insurance coverage follows the vehicle, not the person. Again I will state this one more time. Insurance coverage follows the vehicle, not the person. Full-Time student only meens a discount or pro rate of insurance. So if you are not a student right now or wont be, Chances are that your insurance company will not know unless the policy holder(your dad) tells them that you are no longer a student. Then your rate would probably increase. Your coverage would not drop. So if you dont tell them, and you enroll again full time in the fall... the gap is probably small enough that they would not notice and your insurance rates would stay the same. If you are involved in a car accident and you are the driver. The claims adjuster will probably not even ask or care if you are a student or not. Your vehicle is still covered if you father is paying the bill.
Joseph Rice
Claims Adjuster |
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Gentleman
|
You are not covered any longer , the contract covers you as long you are in school and if you incur any claims your Dad Will be liable to repay the claim because you aren't at school . |
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Custo
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It depends on your plan, and the company your dad works for. Some will let you stay on the insurance, until the beginning of the next semester; which would in this case, be Fall of 07.
Some say that you will lose your coverage as soon as you're no longer a FTS, except for summer break. Or sometimes at the end of the month you quit school in...
You'll have to call the insurance, or ask your dad to call human resources with his company. They'll be able to tell you for sure. |
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michelob86
 |
It depends on the policy.
Are you still enrolled in the university, and just taking a hiatus? Or will you have to fully re-apply next fall?
If you're still enrolled, then you're probably OK. If you're completely out of school and have to re-apply, your coverage probably ends the last day of the month in which you quit. |
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CaseyAngelEyes
 |
I would suggest playing it safe & getting at least a cheap policy. You may want to try a website that compares multiple companies at once to get you the best price. I am paying less than ½ after I did.
Go to: http://www.insureme.com/landing.aspx?Refby=616163&Type=health
Take care,
Casey |
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Drew S
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I'd Say your covered but If you dont know just call them up and ask them....But dont tell them u dropped out if its only going to be a few weeks. |
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