I neglected to take my daughter off my insurance after she graduated college and turned 24 years old. She did not and does not live with us.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Oct 26, 2010

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Insurance Question from Garland, TX

Asked on 10/26/2010

I neglected to take my daughter off my insurance after she graduated college and turned 24 years old. She did not and does not live with us. I did not provide proof of her being a full time student as I have the previous years before. My insurance company continued to take premiums out of my check for her coverage and will not pay me back. She was not insure-able and yet they keep the money. Is there anything I can do?

Answer given on November 05, 2010

If the insurance company denies coverage for your daughter due to her age and no longer being a student, then they should refund the premiums they took from you.  I would first try calling the company again.  Try to speak to a supervisor who has more authority.  If you are unsuccessful, you do have the option of going to your Dept of Insurance and asking for their assistance.   The Dept is there to represent you, the customer, and they can often talk to the company and work out a settlement on your behalf.

If your insurance is through your employer, you can also ask the employer to assist you in getting the refund.


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