O.k I am 17, and home schooled, I am in 11th grade ( I missed the cut off date). the problem is I have diabetes. I get my insurance through my dad’s work, but to keep it after i turn 18 ( i will still have one year of school left) I need to prove that I’m doing school. how do I do that? I get tested yearly through the state, but i geuss that doesn’t count. I tried looking to see if I could do the K12 thing for my last year, but they don’t have it in Oregon. any help or advise would be great!!!!
Answer
Is your family a member of HSLDA?
Each member family receives a student and teacher ID card yearly as proof of homeschooling. That may be one way. Also if you are members and the insurance company gives you trouble, HSLDA (Home School Legal Defense) may be able to help. They assist home schoolers with all kinds of legal difficulties.
Another option may be to enroll in an Umbrella School. Many can be quite expensive. We found HomeLife Academy the least expensive. For about $70 a year ($120 for your senior year), you can enroll in HomeLIfe, then you will be a student in their school. They even issued working papers for my son when he was 16 and wanted to get a job. You can continue using what ever curriculum you have been using. You will have a personal Counselor who will assist you with course selection if necessary, graduation requirement, college applications, etc. You can contact your counselor for assistance by phone or email. Your parents just submit your grades on line and HomeLife will issue you a Diploma when you graduate and also provide transcripts for colleges. They could verify that you are one of their students for your insurance.
O.k I am 17, and home schooled, I am in 11th grade ( I missed the cut off date). the problem is I have diabetes. I get my insurance through my dad’s work, but to keep it after i turn 18 ( i will still have one year of school left) I need to prove that I’m doing school. how do I do that? I get tested yearly through the state, but i geuss that doesn’t count. I tried looking to see if I could do the K12 thing for my last year, but they don’t have it in Oregon. any help or advise would be great!!!!
This is a good question and the right answer will probably also save you a lot fo questions when it comes time for you to go to college (if that’s the plan). With that being said, maybe now is a good time to start getting material together for verification purposes anyhow.
The first thing to do would be to contact the insurance company as an anonymous person requesting information. Find out what they require as proof of schooling from homeschooled students. Do you have to register in the state if Oregon? I know some states you do and some you don’t.
I imagine that they may require a copy of your curriculum through high school as well as your grades. They may even want quarterly reports. Like I said though, the best thing to do would be to contact the insurance company and ask for details onproving you are in school. Why anonymous? Because if you give your name they are going to look up your file and probably ask a lot of questions that are off the focus of what you need to know. Also, its just safer so that your parents don’t get some type of review ro something they weren’t expecting.
Have your dad call the insurance company and ask what “proof” they require to demonstrate that you are doing school. Do they need a copy of your registration form/letter? Do they need a work sample portfolio? Do they need a report card or transcript? It seems that test results should be adequate, but insurance companies are not in the business of monitoring compulsory attendance laws, so it is probably something relatively simple and non-intrusive to your privacy rights, which submitting testing results would be.
Usually college students just have to demonstrate that they are still dependents, which means submitting some type of tax document that shows you are still under the care of your parents.
If you are homeschooling according to the law in your state, then that is all you need to do.
Provide the insurance company with a copy of the homeschool law, and/or a letter from a homeschool association or organization you are involved in that states you are legally homeschooling according to the laws of Oregon (cite the law). If that is not available, an affidavit written by your parents should suffice.
You will probably not have any problems anyway. You are in 11th grade, and 12th grade naturally follows that.