a good idea for them to examine any contractual agreements they have with employers or partners. The documents may require them to secure the coverage when they cancel their insurance policies. Tail coverage continues insurance protection for future claims stemming from when a physician’s insurance policy was in force. Tail coverage is free if a doctor has had claims-made policy with TMLT for the five years before retirement and is 50 or older. TMLT policyholders who don’t qualify for free cover- age pay a one-time charge for the endorsement. “Tail coverage continues until the limits provided are ex-
hausted by claim payments. Until the endorsement limits have been consumed, TMLT pays all legal costs related to defending covered claims,” Mr. Alexander said. TMLT’s standard tail endorsement is valid indefinitely.
Mr. Alexander acknowledges that physicians’ practice and financial circumstances differ and that their coverage needs vary. TMLT underwriting staff can assist policyholders who are retiring or who are thinking of altering their practices. For more information, call TMLT underwriting services at (512) 425-5800. For a summary of the statute of limitations for medical pro- fessional liability in Texas, visit the TMA website at www.tex
med.org/StatuteOfLimitations. TMLT is the only medical professional liability insurance provider created and exclusively endorsed by TMA. n
Crystal Conde is associate editor of Texas Medicine. You can reach her by telephone at (800) 880-1300, ext. 1385, or (512) 370-1385; by fax at (512) 370-1629; or by email at
crystal.conde@
texmed.org.
• Decrease in proportions of medical graduates selecting • primary care specialties, 1997–2006
15.7% to 6.7% general internal medicine
17.6% to 6.9% family medicine
10.2% to 6.6% general pediatrics
8.2% to 6.1% obstetrics-gynecology
“Primary Care Specialty Choices of U.S. Medical Graduates 1997–2006,” June 2010 Academic Medicine
• Increase in proportions of medical school respondents • choosing subspecialties, 1997–2006
6.8% to 11.4% internal medicine subspecialties
2.2% to 4.4% pediatric subspecialties
Responses from 102,673 medical graduates to an Association of American Medical Colleges graduation questionnaire, 1997–2006 June 2012 TEXAS MEDICINE 21
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