With the level of education costs increasing, we have had a concern for the student who suffers a serious illness or accident and has to leave Vanderbilt for medical reasons before the semester is completed. In many instances, it means not only the loss of time invested in studies, but also the loss of the semester's costs.

We are pleased to advise you of an insurance program, the Tuition Refund Plan offered by A.W.G. Dewar, Inc., which will minimize the financial portion of the loss. This elective insurance plan provides coverage for tuition and housing charges. The tuition for academic year 2012-2013 will be $41,088, and the estimated housing charges will be $9,028.

This plan significantly extends and enhances the University's published refund policy. Even after the university's policy has expired, you are assured of a 100% refund throughout the term. This is especially beneficial when you are forced to withdraw and then return for a later term, as you will not have to pay to repeat lost credit hours. The chart below illustrates how the Tuition Refund Plan complements our refund schedule for tuition charges.

If the Withdrawal Occurs During:	University Refunds	T.R.P. Refunds	Student Receives
Week One	100%	0%	100%
Week Two	95%	5%	100%
Week Three	85%	15%	100%
Week Four	80%	20%	100%
Week Five	75%	25%	100%
Week Six	65%	35%	100%
Week Seven	60%	40%	100%
Week Eight	55%	45%	100%
Week Nine	50%	50%	100%
Week Ten	40%	60%	100%
After Week Ten	0%	100%	100%

Dewar CRP Details concerning the plan.  Should you decide to participate, it is vital that you return the application before August 15, 2012.  If you have questions about the Tuition Refund Plan, please contact Andrew P. Martinson with A.W.G. Dewar, Inc. at (617) 774-1555. You may also view a brochure.

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