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Student Accident Insurance Notice
Student Accident Insurance Notice
Lori Youngclaus
Thursday, September 10, 2020

The Eatontown Board of Education has purchased insurance coverage to protect all students against accidental injury during all school sponsored and supervised activities, whether at the school or away. This coverage is provided by Berkley Life and Health Insurance Company.

This insurance plan is Excess coverage: i.e. you must submit all bills to your own insurance carrier first. The school policy will pick up the unpaid balances, up to the limits of the policy.

Although this coverage is very broad, there are restrictions, limitations, and exclusions in this policy. In some situations, medical bills may not be covered in full. Parents should understand that medical expenses are their own responsibility, not the schools. Some of the important benefits and limitations of the plan are: 

  1. Maximum Medical Benefit is $1,000,000.
  2. Treatment must commence within 90 days of the date of injury, or there is no coverage. 
  3. Physical Therapy Treatment (including Chiropractic) has a limit of $10,000. (A letter of Medical Necessity is required).
  4. Benefits are payable for up to 3 years from the date of injury.

All injuries should be immediately reported to a coach, nurse or faculty advisor. Claim forms will be provided by the school, but it is the parents’ responsibility to: 

  1. Submit the claim form with Part 1-B filled out completely (any omissions will delay the processing of the claim). 
  2. Submit all itemized bills (monthly statements will not do). Submit the statement (EOB-Explanation Of Benefits) received from your own insurance carrier showing amounts paid and balances due, or, a letter of denial stating the claim is not covered. One of these letters is required for any payments to be made.

If you have no other medical insurance, you will receive a letter from your insurance carrier requesting employer information. Fill this out and return it to the carrier immediately and the claim will be processed. Failure to return this letter will result in a delay or denial of the claim.

It is your responsibility, and to your benefit, to submit the necessary papers as soon as possible, as the claim cannot be paid until all papers are submitted. Only one claim form per accident is required. 

All claim forms, bills, and the letters from other insurance carriers are to be forwarded to, and questions regarding the coverage answered by: Bob McCloskey Insurance, P.O. Box 511, Matawan, NJ 07744, 800-445-3126, www.bobmccloskey.com.

If you wish to purchase 24 hour coverage for your child, it is not automatic. You must complete an application by contacting Bob McCloskey Insurance.