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Programs for Members
In this section, you will be able to review many of the programs
MPT offers to Members, including some which could lower your assessments.
If you have any questions regarding these programs, be sure to
call Membership Services at (800) 252-7706, or E-mail us.
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To view / print the application associated with one of the
programs listed below, click on the underlined program
name. Most of the available documents are in Adobe™ pdf format. If you are unable to view/print the application, you can request it be faxed, mailed or e-mailed to you. Please note that not all programs will have an application.
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will reduce your assessments by up to 50% over a three-year period.
To qualify, you must work 20 or less hours per week (16 hours
per week if you are an anesthesiologist). Generally not available
to surgeons.
will reduce your assessments over a five-year period (approximately
20% per year.) To qualify, you must reduce your practice to a
lower level within your specialty (e.g. from Ob/Gyn to Gyn Surgery).
Members age 58 and above with no open claims can immediately reduce
to the lower risk class, bypassing the usual 5-year reduction
process.
provides you with tail coverage at no cost, provided you fully
and completely retire from the practice of medicine, and have
reached the age of 58. The current year's assessment is prorated
to the month you retire. Generally, your Initial Trust Deposit
is refunded if it has been on deposit at least ten (10) years.
for Members who are 55 to 57 years of age, have been with MPT
for at least 10 years and have ceased the practice of medicine.
Once approved for this program, the next assessment will be reduced
by 25% the first year, 65% the second year, and 90% the third
year and thereafter until the Member reaches 60 years of age.
Once you do reach the age of 58, you can then be converted to
retirement status.
for Members age 58 and above, who have ceased their private practice
and wish to continue practicing in certain non-private-practice
settings. No MPT coverage is provided to the physician for this
work. Future assessments are waived and the Member pays CAP/ MPT
dues until such time as he decides to fully retire. The Member
is then converted to retirement status.
for Members who become disabled and cease all practice
of medicine. Under this program, the Member remains liable for
all dues and assessments until he has been disabled for 90 consecutive
days. At that point, all monies paid by the Member during the
90-day period are returned and the Member is relieved of any further
financial obligations until he again begins practicing.
Higher Limits of Liability
MPT has several different limits of liability available to you.
In addition to the standard limits of $1 Million / $3 Million,
we provide $2
Million / $4 Million and $5
Million / $5 Million. Higher limits generally require the
use of arbitration agreements and/or attendance at an MPT Risk
Management Program if you have not attended the program in the
last three years.
MPT offers coverage for certain categories of employees. There
is no charge for coverage for registered nurses, licensed vocational
nurses, medical assistants, technologists or technicians, or clerical
employees. Coverage is available for a fee, to certain paraprofessionals,
for example, Nurse Practitioners and Physician Assistants. Coverage
can be shared with the Member's limits of liability, or can be
separate from the Member's limits.
If a Member has a medical corporation or is part of a medical
partnership, MPT may provide coverage for that entity. In certain
cases, an application is required and there is a fee for the coverage.
Coverage is available on a shared or separate limit basis. If
all physicians associated with the entity are MPT members and
all paraprofessionals are covered by MPT, entity coverage on a
shared limit basis is available at no cost. For those corporations
or partnerships wanting a separate limit of liability, entity
coverage is available for a fee.
Locum Tenens Coverage
Each Member is provided with 30 days of locum tenens coverage
at no charge. There is a daily charge for coverage beyond the
30 free days, based on the Member's risk class. No application
is required, just a copy of the locum physician's C.V., along
with his California medical license number and a listing of the
dates the locum tenens will be working for the Member.
Death
In the unfortunate event that a Member passes away, the estate
is provided with free tail coverage for the entire time that the
Member was covered by MPT. The Initial Trust Deposit is immediately
refunded and the current year's assessment is prorated to the
month the Member died.
Termination of Membership
There are several methods by which a Member can terminate coverage
with MPT. Members can terminate without tail coverage or request
that MPT provide tail coverage. Tail coverage can be obtained
in three ways: 1) purchase tail coverage, 2) terminate but agree
to remain liable for assessments for a period of at least three
years, or 3) transfer the membership to a new physician joining
MPT. Regardless of when you terminate your membership, you are
still obligated for the full payment of the current year's assessment.
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Part-time Practice - (Rev 10/04)