Michelle Morse

Michelle’s Law

This is wonderful news to everyone with a chronic disorder and in college: on October 9, 2008, Michelle’s Law became Public Law No: 110-381.

Who is Michelle and what is the law? I just read about Michelle Morse. She was a lovely young lady from New Hampshire who sadly died of cancer. 

On June 25, 2007, Rep. Paul Hodes [D-NH] of New Hampshire introduced the bill. He’s my new hero.

Michelle’s Law “amends the Employee Retirement Income Security Act of 1974 (ERISA), the Public Health Service Act, and the Internal Revenue Code to prohibit a group health plan from terminating coverage of a dependent child due to a medically necessary leave of absence from a postsecondary education institution or any other change in enrollment at that institution that commences while such child is suffering from a severe illness or injury and causes such child to lose full-time student status before that earlier of: (1) one year after the first day of the medically necessary leave of absence; or (2) the date on which such coverage would otherwise terminate under the terms of the plan. Requires certification by the child’s attending physician. Applies such requirement to coverage offered in the individual market.”

Your child with hemophilia or VWD in college might find it necessary at some point to miss a lot of school, if he or she has a bad bleed, surgery or inhibitors. If your child loses their student status, they might not be covered under your insurance.

Michelle’s Law now makes it impossible for an insurance plan to terminate your child if he or she misses a lot of school due to medical reasons and loses their full time status. Every kid with a bleeding disorder in college should be made aware of Michelle’s Law.

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