Tail insurance

March 19, 2008

I just graduated from my nephrology fellowship and am to start work part-time with a medical group, with the mutual understanding that I will move on within two years. Do I need tail insurance, and if so, who should cover it?

Q. I just graduated from my nephrology fellowship and am to start work part-time with a medical group, with the mutual understanding that I will move on within two years. Do I need tail insurance, and if so, who should cover it?

A. You’re right in being concerned about tail coverage now rather than later. You should have a written employment contract and the tail coverage issue should be covered in the contract.

Since coverage will be very expensive, try to negotiate for the employer to pay. Ask up front how much the insurer for the group will charge. Both you and the employer need to understand the financial cost.

Lee J. Johnson, Esq.

Lee Johnson, a healthcare attorney in Mount Kisco, NY, specializes in risk management issues. She can be contacted at 914 666-4301 or lj@bestweb.net.

The answers to these queries are general opinions and are not intended as substitutes for legal advice. You should not rely on these replies in making decisions involving questions of law, but should instead consult with competent legal counsel.