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Student Insurance for Work-Study and Job Training

When students participating in work-study and job training programs receive a wage, they are eligible for workers' compensation benefits provided by their employer if they are injured on the job. However, students working without compensation, those receiving stipends, or those who participate in job-shadowing, are not eligible for workers' compensation benefits.

Although many students have personal medical insurance benefits available to facilitate the treatment of the student by the medical provider, for those who do not, there is a concern that treatment may be denied or delayed due to the absence of insurance.

For this reason a low cost accident insurance product has been designed to meet the needs of uninsured students, who work without compensation in work experience situations and for which they receive curricular credit. Coverage extends past the end of the traditional school year if the student continues to earn curricular credit during school vacation periods.

Insurance Coverage

This insurance covers the student:

  • While at the approved worksite and under direct supervision
  • While traveling directly and without interruption between the school and the worksite
  • While traveling directly and without interruption between the worksite and the student's home, provided that such travel has been arranged by and is at the direction of the school

Policy Limits

  • Maximum per injury is $250,000
  • Accidental Death Benefit is $10,000
  • Accidental Dismemberment, Paralysis, Loss of Sight up to $20,000
  • Motor Vehicle limit per injury is $5,000

Insurance Cost

The cost of this insurance is $10 per year.