|
Why buy this insurance plan?
The cost of education today is a substantial investment. Students and parents may face significant financial loss if students
are unable to complete a term due to illness (physical or psychological). This plan may be especially useful if students have a
health condition that could compromise their ability to complete a term.
This plan:
- Significantly extends and enhances the University's published withdrawal policy.
- Provides funds that can help to pay back loans, grants, scholarships and out-of-pocket expenses.
- Is offered by A.W.G. Dewar, Inc., a private insurance carrier, and originated in 1930 to protect the financial investment of
students and parents in education.
- Is available at over 1100 schools throughout North America.
Eligibility All
registered students at the University of Michigan (Ann Arbor and Dearborn campuses) may purchase the plan for the 2007-2008 school
year. It will be available on the Flint Campus at a later date.
Benefits and
Documentation The plan refunds 85% of
the insured term's tuition, mandatory fees (excluding required health
insurance for international students), and Ann Arbor campus only
University Housing fees (room and board), less any refund or credit
due from the University, if students withdraw from the University
due to physical or psychological reasons.
For injury or sickness withdrawals, a licensed physician must provide a written statement that a physical condition is the
reason for withdrawal.
For psychological/emotional withdrawals, the student must be confined in a hospital for two consecutive days during the term. A
licensed doctor must provide a written statement that a psychological/emotional condition is the reason for withdrawal. Diagnosis must be
classified in accordance with the American Psychiatric Associations's Diagnostic and Statistical Manual (DSMV-IV).
In both cases above, a "complete withdrawal" from the University is required. This means that the student will not be able to
complete the term and will not receive any academic credit because of injury or sickness. This coverage does not apply if students drop
classes and do not completely withdraw for the term. A written statement from a doctor certifying the injury or
sickness and college verification will be required.
See withdrawal information:
Exclusions (what this plan does not cover):
- War or any act of war, declared or undeclared
- Terrorism
- The use of any drug, narcotic or agent which is similarly classed or has similar effects (except when it is prescribed by a doctor)
- Taking part in a riot
- Failure to attend classes for any reason other than injury or sickness
- Withdrawal when credit was received for an incomplete term
- Nuclear reaction, nuclear radiation or radioactive contamination
Coverage Periods The
Tuition Refund Plan covers a full term from first to last day of
classes, less any monies refunded by the University based on date
of withdrawal. Ann Arbor campus only University Housing reimbursement
is based on authorized move-out date.
Coverage can be purchased for a year or a single term. If you purchase coverage for a full year but for any reason
the student does not return for subsequent terms, notify the insurance company and any unused premium will be refunded.
Costs will
be set in July of each year. Estimated costs range $99-$355 per
term and depend on actual tuition and housing costs on each campus,
graduate/undergraduate status, and resident/non-resident status. See
Dewar website for costs (select University of Michigan and Ann Arbor or Dearborn campus).
How to apply Starting in August 2007, you can apply either online at
A.W.G. Dewar, Inc. (select University of Michigan) or via paper applications that will be sent to
each incoming student at Ann Arbor and Dearborn campuses in August.
Applications must be postmarked by the following dates in order to begin coverage, and no application will be accepted after these dates:
| Term: |
Fall |
Winter |
Spring |
Spring/
Summer |
Summer |
| Purchase Deadline: |
September 10 |
January 10 |
May 10 |
May 10 |
July 10 |
Payment must be submitted at the time of application.
Claims should be reported within 30 days from
occurrence or as soon as it is reasonably possible.
Claim forms with full instructions are available online at A.W.G. Dewar, Inc., at the
UM-Ann Arbor Office of the Registrar, UM-Dearborn Office of Registration & Records and UHS Managed Care/Student Insurance Office.
The student's doctor should complete the medical form.
Benefit payment will be made to the University to be credited to the student's account. UM grants or scholarships will be credited
back to the University. Benefits not required to settle the student's account with the University will be refunded to the student through
the University.
Further information
A.W.G. Dewar, Inc.
Four Batterymarch Park, Quincy, MA 02169
Phone 617-774-1555
Email trp@dewarinsurance.com
Information, online applications, and claim forms (choose University of Michigan)
UHS Managed Care/Student Insurance Office
Phone 734-764-5182 or toll-free 866-368-0002
Email mancare-stuins@umich.edu
Information, applications and claim forms
Ann Arbor Campus Information Centers
Michigan Union and Pierpont Commons
Brochures only
UM-Ann Arbor Office of the Registrar
500 South State Street
Brochures and claim forms
Full Term Tuition and Fees
How to Withdraw from a Term
UM-Dearborn Office of Registration & Records
4901 Evergreen Road
1169 University Center
Dearborn, MI 48128
Phone 313-583-6500; Fax 313-593-5697
Brochures and claim forms
Withdrawing from Term
Tuition and Fees
|
