South Carolina Medical Malpractice Joint Underwriting Association
Part Time Physician/Dentist Discount

The JUA will permit a discount for the following part time physicians and dentists:

• Retired non-practicing physicians or dentists donating time to charitable or non-profit organizations (i.e. Free Clinic)
• Residents moonlighting at rural or small community emergency room departments
• Part time and/or semi-retired physicians or dentists who are working no more than eighty-five hours per month
• Moonlighting physicians and dentists who  are active military service requesting coverage for outside activities.
• Government employed physicians and dentists requesting coverage for outside activities (such as VA hospital, state or county health department or a teaching hospital).
• Physician and dentists who are employed by a hospital or other facility requesting coverage for outside activities.

Credits provided by the JUA are:

• 50% credit for up to 21 hours per month
• 40% credit for 22-43 hours per month
• 30% credit for 44-85 hours per month
• 0% credit for over 85 hours per month

Conditions:

• A Part Time Physician/Dentist Professional Liability Application must be completed by the applicant every year for the purposes of determining whether the applicant is eligible for this type of coverage.
• The hours reported to the Association for rating purposes are subject to audit, at the Association’s discretion.
• No other credits apply concurrent with this rule except for Risk Management Discounts.
• Physicians or dentists who are subject to experience rating or schedule rating surcharges are not eligible for this part time discount.