tariesen Posted October 14, 2016 Share Posted October 14, 2016 Hello all, I come seeking advice for my current situation. I am a new grad who, in hindsight, rather hastily signed on to a bad contract. Since June, I have been employed by a corporate-owned urgent care chain. During my short time with the company I have realized two things: (1) urgent care is not a good fit for me, and (2) the company has serious financial issues that has resulted in the delay in paying of all employees. Because of these issues, I have resigned my position and have potential job offers elsewhere. Given my short time with the company, they will not be covering the cost of my tail coverage. Does anyone have advice or recommendations as to what sort of policy I need to buy? Although I signed the contract in June, I have only worked as a PA with the company since September 5th so my risk is quite low. That being said, I'd rather be safe and get covered. Thanks in advance! Link to comment Share on other sites More sharing options...
GetMeOuttaThisMess Posted October 14, 2016 Share Posted October 14, 2016 Call Proliability and ask what your options are. Consider your own OOP occurrence based policy on top of what the employer offers and see if they'll (employer) cover the premium cost. If not, pay OOP. Link to comment Share on other sites More sharing options...
Moderator ventana Posted October 14, 2016 Moderator Share Posted October 14, 2016 skip it doc and company will get sued as well Link to comment Share on other sites More sharing options...
coloradopa Posted October 15, 2016 Share Posted October 15, 2016 Hello all, I come seeking advice for my current situation. I am a new grad who, in hindsight, rather hastily signed on to a bad contract. Since June, I have been employed by a corporate-owned urgent care chain. During my short time with the company I have realized two things: (1) urgent care is not a good fit for me, and (2) the company has serious financial issues that has resulted in the delay in paying of all employees. Because of these issues, I have resigned my position and have potential job offers elsewhere. Given my short time with the company, they will not be covering the cost of my tail coverage. Does anyone have advice or recommendations as to what sort of policy I need to buy? Although I signed the contract in June, I have only worked as a PA with the company since September 5th so my risk is quite low. That being said, I'd rather be safe and get covered. Thanks in advance! Consider something called a nose. Its like a tail but added to the front of the current policy. Link to comment Share on other sites More sharing options...
GetMeOuttaThisMess Posted October 15, 2016 Share Posted October 15, 2016 skip it doc and company will get sued as well The only issue that I see with this idea is that IF there were to ever be a claim filed you are on your own for your legal costs. The only reason I carry my own individual policy is for this reason. It is worth $900+/year OOP for the peace of mind that I won't have to fork over the cash to cover same. I'm in a tort friendly state so penalties for malpractice are capped. I agree with ventana that there are bigger fish in the sea for actual damages. Link to comment Share on other sites More sharing options...
mackjacks Posted October 20, 2016 Share Posted October 20, 2016 A friend had a similar situation after working at an urgent care for 6 weeks. They were able to purchase themselves a "moonlighting" occurrence based policy that covered 500 hours in a calendar year for a reasonable price. I think through CM&F. Link to comment Share on other sites More sharing options...
tariesen Posted October 31, 2016 Author Share Posted October 31, 2016 Thanks for all of the advice and input! I contacted the company that provided my malpractice insurance and was able to purchase tail coverage for the period of time that I worked (and thus would be liable). Cost me $379 - well worth it in my opinion. Link to comment Share on other sites More sharing options...
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