Tuition Refund Plan

About the Tuition Refund Plan

You have made a substantial investment in education. The information below explains how to protect your financial commitment against loss due to absence, dismissal, or withdrawal. Since the school cannot refund or cancel unpaid obligations, it is strongly recommended that all parents participate in this plan. 

Why do you need the Tuition Refund Plan?

Every year thousands of students are forced to withdraw from independent schools. These are some reasons why:
  • Scholastic failure
  • Injury or sickness
  • Financial problems
  • Change of objective
  • Emotional difficulties
  • Death of parent or student
  • Transfer of family
  • Disciplinary dismissal
  • Job Relocations
Your financial obligation to the school is for the full annual tuition as stated in the school’s enrollment contract. The school’s expenses are incurred on an annual basis; therefore, the school cannot afford to refund the tuition or cancel unpaid obligations if your child is forced to withdraw during the upcoming academic year.

If your son or daughter withdraws, the Tuition Refund Plan will pay benefits (subject to its terms, conditions, and limitations and based on the amount insured) to the school, which provides substantial assistance in meeting your financial obligation.

The school will refund to you remaining benefits not required to meet your obligation to the school.

Tuition Refund Plan

PLEASE READ THIS INFORMATION CAREFULLY. THE PLAN PROVIDES EXCELLENT PROTECTION AT A MODEST COST. 

The tuition refund plan is in use at over 1,200 leading independent schools and colleges.

Print this Document

Tuition Refund Plan Digest

List of 7 items.

  • Claims

    Claims must be reported within 30 days from the date of separation. Benefit payment is made to the school to be credited to the student’s account. Benefits not required to settle your account with the school, if any, will be refunded to you by the school.
  • Cost

    The cost of the Tuition Refund Plan is detailed in your enrollment materials. Written notification of enrollment in the Plan must be made by the first class day. Premium payment is due within ten days after the first class day of the academic year.
  • Definitions + Conditions

    The “academic year” (referred to as “period of coverage” in the policy) upon which benefits are based consists of the actual calendar days in the school year (including weekends, holidays and vacations) beginning with the first day of formal academic instruction (excluding preseason athletic practice, orientation, registration and graduation days) and ending with the last day of formal academic instruction, including examinations.
     
    “Medical absence or medical withdrawal” means complete, involuntary severance from classes as certified to and regularly treated during the period of coverage by a legally qualified medical practitioner, not related to the student.
     
    “DSM IV” is the American Psychiatric Association’s Diagnostic and Statistical Manual.
     
    “Non-medical withdrawal” means complete, voluntary severance from classes for the balance of the academic year. “Dismissal” means complete, involuntary severance from classes by the school authorities for scholastic or disciplinary reasons for the balance of the academic year.
     
    “Unused yearly insured fees” means the portion of the insured fees paid or payable by the insured student/parent for the remaining time in the current school year after the student’s withdrawal or dismissal.
     
    Note:
    • Medical benefit period ends immediately upon student’s resumption of classes at any school or upon becoming employed.
    • For medical withdrawals, coverage ceases on the last day of formal academic instruction by the school due to any reason other than coverage for epidemic closure.
  • Not Covered Under the Plan

    Excluded under Medical Benefits (A) Absence or Withdrawal due to:
    1. War or any act of war or terrorism 
    2. Taking part in a riot 
    3. Pregnancy and/or childbirth 
    4. Use of any drug, narcotic or agent which is similarly classed or has similar effect unless given by and while under the care of a doctor 
    5. Suicide or intentionally self-inflicted injury or self-inflicted sickness 
    6. Alcoholism or use of alcohol 
    7. Nuclear reaction, radiation or radioactive contamination 
    8. Failure to attend classes for any reason other than injury or sickness 
    9. Injury or sickness for which medical care was received within 180 days prior to the effective date.
    Excluded under Non-Medical Benefits (B&C) Withdrawal or Dismissal due to:
    1. Being inducted into the armed forces or being assigned alternative duty in lieu of active military service 
    2. Any hostile or warlike action or terrorism 
    3. Rebellion, riot or civil commotion 
    4. Any order of a de jure or de facto governmental or sovereign power directed to the student 
    5. Nuclear reaction, radiation or radioactive contamination 
    6. Destruction of any school facility due to any cause 
    7. Inability of the school to operate and provide formal academic instruction including closure for any reason 
    8. Temporary non-medical absences, suspensions, changes from resident to day status or schedule reductions 
    9. Boycotting of classes by the student 
    10. Completion of academic requirements or early graduation 
    11. Any withdrawal or dismissal prior to or within the first fourteen consecutive days beginning with the student’s first class day of attendance in the academic year. Claim forms with instructions are available at the school business office.
  • Period of Coverage

    Coverage is effective under the Plan as follows:
     
    Medical 
    From August 1 through the last day of the academic year.
     
    Non-medical 
    For the entire academic year after meeting the fourteen-day attendance requirement.
     
    Late-entering Students
    Students who commence classes after opening day may enroll in the Plan provided premium is paid within 10 days after starting classes. Medical coverage begins on the date the premium is received. Non-medical coverage is effective after the student has satisfied the fourteen-day attendance requirement.
  • Plan Benefits

    Medical Absence or Withdrawal
    • The Plan will pay 100% of the unused yearly insured fees, less a four day deductible period, provided an injury or sickness forces the student to withdraw from school or medical absence lasts for more than four consecutive days.
    • The Plan will pay 60% of the unused yearly insured fees, less a four day deductible period, provided a mental/nervous disability, as referenced in DSM IV, forces the student to withdraw from school or absence lasts for more than four consecutive days.
    • The Plan will pay 50% of the yearly-insured fees (prorated for every school day lost) when epidemic closure for contagious disease at your school is ordered by the Public Health Authority.
    Non-medical Withdrawal
    • The Plan will pay 60% of the unused yearly insured fees provided the student has attended more than fourteen consecutive calendar days beginning with the student’s first class day of attendance in the academic year.
    Dismissal
    • The Plan will pay 75% of the unused yearly insured fees provided the student has attended more than fourteen consecutive calendar days commencing with the student’s first class day of attendance in the academic year.
  • Underwriter

    The Tuition Refund Plan is underwritten by one of the member companies of OneBeacon Insurance Group, Canton, MA, for A.W.G. Dewar, Inc., dba A.W.G. Dewar Insurance Agency, Four Batterymarch Park, Quincy, MA 02169-7468.

    The name of each student is listed on a policy which is held by the school business office, not as agent for the insurance company, but on behalf of insured students and their parents.

    This document is a digest.

    Actual coverages are governed by the insurance policy on file in the school’s business office. Coverage may change each academic year. This information represents coverage for the ensuing academic year. The Tuition Refund Plan is the service mark of A.W.G. Dewar, Inc. G14220 2009/2010 NPTP 4DD.
1640 Kalmia Road NW
Washington, DC  20012
202-577-2000