For Your Insurance Needs…

SBCMS offers members a variety of insurance plans for individuals, their families and employees through Marsh Affinity Group Services. Following is a list of the programs available. Please visit their website at www.marshaffinity.com for more information, or to request brochures and applications.

Workers' Compensation - Members Alert! Take 30 seconds of your time to do a workers' compensation rate check! Rates continue to drop on workers' compensation insurance. They will again on July 1, 2007. Open this link, fill out the form, fax it back and see how much you can save with the society's program. Workers' Compensation insurance is required by law and covers your employees in the event of a job-related injury. Coverage is standardized by state law and includes hospital and medical expenses, work-related disability income and a death benefit.

Long Term Disability - Long term disability coverage helps protect your income in the event you become totally disabled. The plan includes Medical Specialty Definition of Disability and a choice of elimination periods. Optional Benefits include Cost of Living Adjustment and more!

Long Term Care - Up to $6,000 per month in benefits are available. No prior hospitalization or home confinement required. The plan covers losses resulting from Parkinson's disease, senile dementia and Alzheimer's disease. Members, spouses, parents (in-law) and grandparents (in-law) are eligible to apply.

Medical - Enjoy a special CMA discount on all Blue Shield small group (2-50 employees) medical programs. Or, take advantage of PacAdvantage - let each employee choose their own health plan. No statement of health required!

Term Life - You and your spouse may apply for up to $1,000,000 of benefits at competitive group premiums. Plan features include Waiver of Premium and an Accelerated Death Benefit.
Catastrophe Major Medical - This high deductible program provides a supplement to your basic medical coverage, especially if you're insured through an HMO. Also included is a nursing home benefit of $500 per week for up to 3 years.

Business Owners Package - This coverage provides property and liability protection for your practice.

Business Overhead Expense - Pays the normal and fixed expenses of running your office while you are disabled so you don't have to use your personal disability income. In a group practice, it pays your share of fixed expenses.

Group Universal Life - Participate in an optional cash account and earn a minimum of 4% interest on deposits.

And more... Dental, International Accident & Medical Insurance plans, Equipment Protection Program, Accidental Death & Dismemberment, Member Assistance plans and Discount Vision & Prescription Drug plan are also available. Call a Client Service Representative at (800) 842-3761 for more information on SBCMS sponsored plans. Or, visit our web site at www.marshaffinity.com or e-mail us at CMACounty.Insurance@marsh.com.

Marsh Affinity Group Services
A service of Seabury & Smith, Inc.
Insurance Program Management
CA License #0633005

SBCMS & NORCAL Mutual Insurance Company
A Partnership for Your Protection!

It is essential in today's highly litigious environment that physicians have the right malpractice coverage from the right carrier. If you are not already insured by NORCAL Mutual Insurance Company, we encourage you to consider making NORCAL your medical/malpractice carrier.

NORCAL was created by and for physicians, and was born at the grassroots medical society level out of a spirit of partnership and physician advocacy. Nowhere is this more apparent than in their aggressive approach to claims handling. They understand that it's not just about paying claims settlements or jury awards; it's about preserving your reputation and good standing as a physician. NORCAL will never settle a claim for "nuisance value" or pressure you to settle even though the standard of care was met. There is no limit on what they will spend to defend you against a non-meritorious claim. In addition, they routinely invoke countersuit legislation to discourage and deflect frivolous lawsuits.

Local Medical Review Advisory Committee (MRAC)
The SBCMS-NORCAL partnership includes a Medical Review Advisory Committee (MRAC), which allows a panel of local peer physicians to determine the standard of care in medical malpractice cases.

Legislative Advocacy
One way NORCAL and SBCMS fight to keep rates at a reasonable level is through tireless legislative advocacy on behalf of California physicians. In particular, we devote tremendous resources to defending and upholding the Medical Injury Compensation Reform Act (MICRA).

Free CME Courses to NORCAL Policyholders
All courses are approved by the Accreditation Council for Continuing Medical Education. CME courses can help you identify risks in your practice, improve patient care and communication, and fulfill your continuing medical education requirements. Take advantage of one of NORCAL's great value added services. Contact NORCAL's Risk Management Department at (800) 652-1051 ext 2244 to register, or visit NORCAL online at www.norcalmutual.com/cme

Physicians Administrative Defense (PAD) Coverage
PAD Coverage protects policyholders from the devastating financial impact of administrative actions by paying for their defense costs. For members of SBCMS, the $1,000 PAD deductible is covered.

Contact NORCAL
Molly Farrell, Account Representative
(800) 652-1051 ext 2854

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