I was just saying if you get tossed off her account for false info, they could close her account for her too (or raise her rates or something). Even if it is work they could use that as an excuse to raise the rates for her company's insurance and when the company asks why they'll tell the company that it was you/your mother that caused the rates to go up. Her work could then be just a little unhappy with her :-) Been there, a friend's done that; she had had breast cancer and didn't tell the company hiring her and then the insurance was really high for everyone and when the company asked the insurance company why. . . Fortunately she was "worth it" to her company but they were not pleased she didn't disclose and they were caught flat footed. You could get your mom in trouble is all I was worried about (and not be covered if you're not taking classes whatever semester yet -- just because you are "in" a school you also have to be taking classes there and have an active student card to get services).