Yes. Provided all policy premiums have been paid, NORCAL will generally waive the tail premium for a physician if he or she retires completely from the practice of medicine at age 55 or older and was insured with NORCAL 60 months; becomes totally and permanently disabled (and is unable to continue practicing as a physician or surgeon); or dies during the policy period. Additional benefits may apply for those physicians who were insured with NORCAL before October 1, 2005.

Extended Reporting Period Coverage (also known as tail coverage) is generally available for an additional premium upon the cancellation or non-renewal of a policy. If purchased, it covers claims resulting from medical incidents or occurrences that occurred on or after the policyholder’s retroactive date and before the policy termination date and that are first reported to NORCAL after the policy is terminated.

If a qualified beneficiary waives COBRA coverage during the election period, he or she may revoke the waiver of coverage before the end of the election period. A beneficiary may then elect COBRA coverage. Then, the plan need only provide continuation coverage beginning on the date the waiver is revoked.

A tail insurance policy is an endorsement to the current policy that extends the reporting period of a claim after a claims-made policy has expired or has been canceled. Since most healthcare providers carry claims made insurance policies, tail insurance provides important protection against claims that could be made months or even years after care was provided to a patient. HU provides free tail coverage to retiring owner who have been a policyholder for at least five consecutive years.

If you are currently enrolled in a plan of comparable coverage (see question below), you can submit an on-line waiver form. To submit an on-line waiver form, go to www.kosterweb.com, click on Student Access, select Vanderbilt University and click on Online Forms. There are currently four forms available on-line. Select the appropriate form: Spring/Summer Waiver Form (for students newly enrolled at Vanderbilt University for the Spring/Summer Semester)

Following the completion of six months of continuous disability, the premium due will be waived until the first semi-annual payment date which follows recovery or receipt of maximum benefits.

A plan may not require any payment until 45 days after the qualified beneficiary's initial election. If a qualified beneficiary fails to make the initial premium payment within the 45-day period, the plan administrator may terminate the COBRA coverage. Thereafter, payments are due on the first of each month, subject to a 30-day grace period. The provision of medical care through a cafeteria plan (as defined in Section 125) or other flexible benefit arrangement constitutes a group health plan.

The primary characteristics impacting a physician’s premium include the physician’s medical specialty and geographical territory, whether or not the physician is requesting prior acts coverage, the desired limits of liability, the discounts for which the physician qualifies and the physician’s previous claims experience.

Yes, if you have coverage through a major medical insurance plan comparable to SHIP. For waiver qualifications, instructions, forms, and FAQs, please see Waivers.

Subject to certain conditions, NORCAL can suspend a physician’s policy when he or she ceases practicing as it relates to that policy for situations such as a sabbatical for additional training, maternity or family leave, or when the physician is between practices. The minimum and maximum periods of time that a policy may be suspended are sixty days and one year, respectively.

The following are the significant circumstances under which a discount is offered on the amount of premium to be paid: where the insured is prepared to bear a fixed amount in respect of every claim for damages to the vehicle a discount, commonly referred to as bonus, is allowed on the premium, when no claims are made against the policy during the relevant previous year note: a loading called malus is otherwise charged on the premium, if the insured has made a claim during the relevant previous y.

It is very important that you maintain continuous malpractice coverage throughout your career in family medicine. California has a claims-made insurance market. You can be sued but not be covered for your defense if you receive notice of a lawsuit for something that happened while you were insured, but have already terminated your policy with that insurance company. Tail insurance is supplemental coverage to a claims-made policy for incidents that happened under an old malpractice policy.

The warranty covers everything that is manufactured by Mooney Airplane Company and excludes vendor supplied equipment. These are covered under separate vendor warranties.

If you are required to pay a percentage of the cost for your health insurance coverage due to having less than 20 years of creditable service, you may waive health/dental/vision coverage. You will still receive basic life insurance coverage, as it is provided to all eligible members receiving a pension benefit. You must contact your retirement system in writing to request waiver of the coverage.

If you have adequate medical and dental coverage elsewhere, you can waive coverage in the medical and dental plans by completing the Blue Cross Medical and Florida Combined Life Dental enrollment form and waiver of coverage sections. You must include a copy of your current medical insurance card with the enrollment form.

No, I feel this is the barometer of what your dog is thinking and is too important to remove. Of course, you could have it removed at any time, but I would not encourage you to.

Yes. Consignment, antique and art auctions normally have buyer’s premiums and, in our opinion, this is a proper practice.

You should contact your employer to determine the employer's intent to pay the premium. You may wish to contact the insurance company to determine how long the payment has been in arrears, if the insurance company has provided a grace period for late payment, and how long the employer has been given to make the payment.