Student Insurance: Do You Have the Right Protection?

With so many other things on your mind when your student son or daughter heads off to college for the first time, it’s easy to overlook the need to make sure they’re properly protected with good insurance coverage.

The two key areas of risk are their medical coverage and damage or loss of personal property through accident or theft.

Health insurance options include allowing the student to stay on their parents’ plan (up to age 26), joining the college’s own plan (if it has one) or buying separate, subsidized coverage under the provisions of the Affordable Care Act. Some individual student policies may provide dental and eye care coverage, while others might have limits including no coverage for accidents caused by drinking or drugs, or they might place a ceiling on the maximum coverage per accident or illness.

Personal property insurance may be covered under an existing homeowners policy, but at a lower limit.  If not, you will definitely need protection – up to 50,000 campus property crimes are reported every year.  If your student lives in an apartment or rent house, a renters policy is an inexpensive way to insure their belongings.

If you need information either about coverage under your existing policies or about guidance on new student insurance requirements, please contact us.

Stay Safe on the College Campus

In a matter of days or weeks, many young people will be tasting their first experience of living away from home, as they begin their college education. The experience should be fun as well as enlightening. But it can also be dangerous for the unprepared. So, if you’re off to college or you know someone who is, here are some simple safety rules to share:

Fire: Make sure there are smoke alarms installed wherever you’re living and that you have a fire escape plan. If you’re in a dorm or other large building, find out where the fire escapes are.

Property Security: Don’t leave wallets/money, laptops and other valuable items unattended in your room unless you’re the only occupant and the door is locked.

Auto Security: Try to park in a well-lit space and, if possible, within sight of your room. Always arm your car alarm when you leave the vehicle.

Personal Security:

  • Don’t drink and drive and don’t travel with a driver who has been using either.
  • Don’t walk alone around the campus late at night, especially if you’re a woman.
  • If you must walk alone, don’t wear headphones.
  • Walk away from altercations.
  • Don’t share computer passwords and other confidential information.

You’ll possibly also discover that your school has its own safety program. If so, take the time to find out about it. It could be a life-saver.

Campus Shootings
Despite recent incidents and widespread publicity about them, most colleges and campuses have never experienced a serious shooting incident, but students should still know what to do if it happens.

If the shooting is outside and you can quickly get inside a building and lock the door, do so. Otherwise, look for somewhere near to hide. If there’s nowhere, lay flat on the ground and stay still. Only call 911 if you’re in a safe place and will not draw attention to yourself.
If the incident happens inside a building but outside the room where you’re located, barricade the door and stay inside, turning off lights and remaining quiet. Turn off your cell phone ringer but don’t switch the device off. Consider sending a text message rather than calling 911, so you don’t have to use your voice.

These are common sense rules. Stillness and silence are the best way of remaining unobserved. And don’t try to be a hero!

How to Avoid Loan Repayment Demand

College is expensive and student loans have become a fact of life in recent years. It can be a struggle to pay them off but it can be even tougher if you have to repay the loan sooner than expected through no fault of your own.

Most student loans must have a co-signer, usually a parent or grandparent. It’s a sort of guarantee in case you default. But this pro-vision backfires if your co-signer hits financial problems of their own. Then, even if you’re making your repayments regularly, the lender may be allowed to demand repayment of the full sum immediately.

The way to avoid this is to request a release for the co-signer from the original agreement. The Consumer Financial Protection Bureau has more, and sample request letters, here: http//

Now Is the Time to Get Your Shots

When you’re rushing around with 101 other issues to deal with, it’s easy to overlook one of the most important contributors to good health – immunization. So here’s a reason to keep in mind: August is National Immunization Awareness Month.

Immunization isn’t just something for kids. People of all ages need vaccines: infants, pre-teens and teens, younger adults and seniors. So, use this campaign month to check that your own vaccinations are up to date.

For adults, it’s not just about getting your flu shot either. You might also need protection against tetanus, shingles, HPV and pneumonia – and, if you’re under 55, even shots for measles, mumps and rubella. Plus, if you travel abroad, you might need other inoculations.

If you want to make checking your status easy and a bit of fun, try this quiz from the Centers for Disease Control and Prevention: – after gathering relevant information, it’ll tell you exactly which vaccines you may need.

Of course if you’re unsure about which vaccines you need or if you’re not in good health, consult a professional first.

Is That Safety Gate Truly Safe?

Without safety gates, parents, carers and pet owners would never be able to take their eyes off their charges who would be in constant danger – or just getting themselves in trouble! But what many users don’t realize is that some of the gates themselves may not be as safe as you might think. In fact, almost 2,000 kids end up in the emergency room every year, with injuries caused by climbing or falling through gates.

That number, say researchers at the Nationwide Children’s Hospital in Columbus, Ohio, is double what it was 20 years ago. And most of the victims were under two years old, the majority of them boys.

Fortunately, the vast majority of the injuries were minor, including cuts and bruises, but the potential for more serious injury is there if you use the wrong kind of gate in the wrong place.
For example, gates used at the top of stairs should be hardware-mounted (bolted to wall frames), rather than the pressure types that use springs or stoppers that you unscrew to press against walls. Fixed gates can also be used elsewhere in the home but pressure-mounted gates should only be used at the bottom of stairs or as room dividers.

Most experts also believe that safety gates should not be counted on once a child reaches the age of 2 because of the risk they’ll try to open or climb over it.

The researchers say greater efforts are needed to promote proper usage of gates, ensure safety in product design, and increase awareness of age-related recommendations for use of gates.

When you buy a gate, check for a sticker saying it’s certified by the Juvenile Product Manufacturers Association (JPMA). You can also download a buyer’s guide from the JPMA at

According to Consumer Reports magazine, you should choose a gate with a straight top edge and closely-spaced (less than three inches apart), rigid, vertical slats or a fine mesh screen.
If you choose a model with mesh panels, look for a fine weave, it adds, because wider holes could provide a foothold for climbing, or trap fingers. It should also be at least three-quarters of your child’s height. And, of course, you should always follow the manufacturer’s installation instructions. For the full article, visit: