If University of Pittsburgh determines that you do not qualify as an eligible full-time student, your coverage will be terminated retroactive to the effective date, and no premium will be refunded. Refunds will only be given if you drop below full-time student status and notify UPMC Health Plan by September 30, 2008 (annual term), or January 31, 2009 (spring term), and no claims have been filed for you or your covered dependents, or if you enter the armed forces.