USC Tuition Refund Insurance Program

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General Information

Tuition Refund Insurance is an optional insurance that students may purchase for a small fee during fall, spring and summer terms. It provides a refund of tuition and fees to a student who must withdraw from all classes due to an illness or accidental injury. Tuition Refund Insurance protects the significant financial investment a student makes in tuition at USC. USC has contracted with A.W.G. Dewar, Inc. to provide this program.

What Tuition Refund Insurance Covers

This insurance covers 100 percent of the tuition and mandatory fees (excluding the student Health Insurance Fee) for the semester if a student withdraws from all classes due to injury or sickness. For withdrawals from all classes due to a psychological or emotional condition (as defined in the DSM-IV manual), the coverage is 80 percent. The plan covers payments made directly by the student, loans, grants or scholarships. USC grants and scholarships are credited back to the university.

What Tuition Refund Insurance Does Not Cover

Tuition Refund Insurance does not cover the following: war or any act of war, declared or undeclared; the use of any drug, narcotic or agent which is similarly classed or has similar effects, unless it is prescribed by a doctor; taking part in a riot; failure to attend classes for any reason other than injury or sickness; withdrawal, if the student receives full or partial credit for an incomplete term, or due to completion of academic requirements, or early graduation; suicide or intentionally self-inflicted injury or sickness; or nuclear reaction, nuclear radiation or radioactive contamination.

Cost

By default, at the time you register, Web Registration will enroll you in Tuition Refund Insurance. This will result in a charge equal to approximately .37 of 1 percent of your tuition and mandatory fees, which will be added to your student account.

Enrolling and Opting Out of Tuition Refund Insurance While Registering for Classes

The Web Registration system automatically enrolls students in Tuition Refund Insurance.

The student may decline Tuition Refund Insurance up until the 20% deadline of the session (week three for general semester sessions) by clicking on the Tuition Refund Insurance tab in Web Registration.

Enrolling and Opting Out of Tuition Refund Insurance After Registering for Classes

Students may opt to purchase or decline Tuition Refund Insurance up until the 20% deadline of session 001, or the end of week three of the fall and spring semester. The deadline to purchase or decline Tuition Refund Insurance in the summer will be the 80% deadline of Session 050. For the exact date, please visit the Schedule of Classes at www.usc.edu/soc and click on the term, then click on Registration Calendar. Students who wish to change their Tuition Refund Insurance setting may do so on Web Registration by clicking on the Tuition Refund Insurance tab and following the system prompts.

Coverage Periods

Tuition Refund Insurance provides coverage for one semester. (For instance, insurance purchased for the fall semester covers courses taken only in the fall.) The insurance becomes effective at the start of the semester and extends until the end of the final exams period.

How to File a Claim

  1. Contact the Registrar One Stop Center or call (213) 740-8500 to verify that you purchased Tuition Refund Insurance for the semester in question. Only students who purchased Tuition Refund Insurance may file for a tuition refund from Dewar Insurance, Inc.
  1. Withdraw from all your courses as soon as possible after the occurrence of illness or injury and before the withdrawal deadline (80% into the respective session). If the onset of the medical problem occurs after week the withdrawal deadline, please see the Special Circumstances section. To withdraw from classes, please use one of the following options:
    1. Access it through myUSC Click on the Tuition Refund Insurance tab and follow the system prompts..
    2. Email us from your USC email account requesting a withdrawal. Please provide your USC ID number in your request and state that you need to withdraw for medical reasons.
    3. Authorize another person to withdraw from the classes on your behalf. Your authorization (this can be a hand-written document) must include your name, your USC ID number, the name of the person you would like to designate as your agent, a brief statement requesting withdrawal from all classes for medical reasons, and your signature.
    4. Fax your request to the Registrar One Stop Center at (213) 821-3724. Please include your USC ID number, a copy of your USC ID card or driver’s license, a brief statement requesting withdrawal from all classes due to medical reasons, and your signature. To ensure immediate processing, please call the Registrar One Stop Center at (213) 740-8500 after you send the fax.
    5. Mail your withdrawal request to the Registrar One Stop Center. Your request must include your USC ID number, a copy of your USC ID card or driver’s license, a brief statement requesting withdrawal from all classes due to medical reasons, and your signature. Please mail your request to:

University of Southern California
Registration Department
700 Childs Way, JHH-106
Los Angeles, CA. 90089-0912

  1. Request a College Medical Withdrawal Certificate packet from the Registrar One Stop Center by emailing us or calling (213) 740-8500. Registration staff will provide the form as soon as they determine that the student needs to withdraw for medical reasons and that the student purchased Tuition Refund Insurance.
  2. Complete the (white and yellow) student portions of the College Medical Withdrawal Certificate forms. Mail the completed white form to the Registration department. Your physician must mail the completed yellow form to Dewar Insurance, Inc. at the address listed on the form. If you received medical treatment for the illness or injury at a USC student health center, please mail the yellow form to the address below so that the physician may fill it out:

Student Health Center
Attention: Office of the Executive Medical Director
Los Angeles, CA. 90089-0331

After You File a Claim

Your top priority is to return to good health. The Registrar One Stop Center will work in collaboration with the Cashiers Office to certify your claim and forward the claim to Dewar Insurance, who will send a check to the university. Benefit payment is made to USC to be credited to the student’s account. USC grants and/or scholarships will be credited back to the University. Benefit payments not required to settle your student account with USC will be refunded to you through the Cashiers Office.

Special Circumstances

University policy states that students must withdraw from classes by the withdrawal deadline for the specified term. If the onset of the medical problem occurs after W deadline, students should request grades of IN (incomplete) from each instructor. For more information, please see the USC Catalogue for definitions of IN and time limits for completion.

If the medical problem occurred before the Drop/Add deadline, but it was impossible to officially withdraw due to incapacitation, contact Petition Services in the Lobby of John Hubbard Hall or call (213) 740-7741 to explore possible resolutions. The process for requesting exception to the university’s withdrawal policy involves both academic and medical documentation. The university does not guarantee approval of such requests. Only students who purchased Tuition Refund Insurance may file for a tuition refund from Dewar Insurance, Inc.

Contact Us

If you have questions regarding the Tuition Refund Insurance program or if you need assistance filing your claim, please contact The Registrar One Stop Center or by phone at (213) 740-8500.