Federal, state and local governments, state regulatory bodies, insurance companies and specialized agency/administrators like Myers-Stevens & Toohey are all working to address issues for insureds that are causally connected to the COVID-19 pandemic. As compensating changes are made to our student insurance programs and procedures, we will detail them here.
MODIFIED CLAIM REPORTING AND FILING:
The recent school closures impacted our traditional claims process. Previously, when a student suffered a school-related injury, the first step was to immediately report the injury to school officials and then ask for Part A (School/Parish Statement) of our Student Accident & Sickness Insurance Claim Form to be fully completed and signed by an authorized school official. Parents would then take the partially completed form, fill out and sign their sections and follow the instructions provided.
With schools closed for the indeterminate future, it may be difficult to obtain a physical form from the school and equally difficult to have an official complete and sign Part A for reportedly school-related injuries. As such, we’ve developed new procedures.
We have three broad categories of insureds. They are:
1) Students enrolled on a voluntary-purchase basis for School-Time and/or tackle football related injuries only (VOL);
2) Students from schools that purchase coverage on a blanket basis (BLANKET);
3) Students enrolled on a voluntary-purchase basis for a) Full-Time 24/7 Accident and/or b) Dental Accident and/or c) Student Accident & Sickness and/or d) Worldwide Exchange (FULLTIME).
Obtaining a claim form –
For all three categories, the first step now is getting a claim form – Claim forms can be obtained directly from us by calling 800 827-4695 or by requesting via email at firstname.lastname@example.org or by fax at (949) 348-9350 or (949) 348-2630. We will also have a fillable pdf available on this website shortly.
With claim form in hand…
FULLTIME – Parents/legal guardians and students of legal age may complete and sign Part A on their own, providing as much information as they can. Reporting to school officials if school related is encouraged but not required. Complete the rest of the form, sign and return per instructions on the form.
VOL – Immediately report school related injuries using remote contact instructions provided by your school/school district if applicable. Complete Part A as fully as possible, providing all the same information given to the school including the name and title of the school official the injury was reported to. Complete the rest of the form, sign and return per instructions on the form. Our Claims staff will follow up through our established school/district contacts to verify information provided.
BLANKET – Immediately report school related injuries, emergency sickness or other covered losses to the school using the remote contact instructions provided by your school/district if applicable. Complete Part A as fully as possible, providing all the same information given to the school including the name and title of the school official the injury/loss was reported to. Complete the rest of the form, sign and return per instructions on the form. In addition to helping us verify circumstances surrounding a reported loss, please know that we rely on the school/district to confirm that the claimant is an enrolled student. Our Claims staff will follow up through our established school/district contacts to verify information provided.
Claim filing –
Our plans typically ask for a claim to be filed within 90 days from the date of loss. You are encouraged to file as soon as possible but we are able to accept otherwise eligible claims for up to one year and 90 days from the date of loss.
If you need help –
Whether it’s obtaining a form, completing a form, getting itemized bills from the provider(s) who treated your child or any other matter, please contact us. We’ll be happy to help!