If you leave The Doctors Company for reasons other than death, permanent disability, or permanent retirement, your Tribute Plan balance is forfeited. If you obtain coverage from The Doctors Company at a future time, your balance and years-of-continuous-coverage credit start over. However, effective October 1, 2016, if you leave The Doctors Company and return in 12 months or less, your Tribute balance and years of continuous coverage can be reinstated. If you suspend and then reinstate your coverage, your share of the loyalty pool will be adjusted to account for the suspension, and your suspension period will not count toward the years-of-continuous-coverage requirement. A former member who rejoins The Doctors Company after obtaining coverage with TDC Specialty Insurance Company's non-standard physician program (with no gaps in coverage) will have his or her Tribute Plan balance and years-of-continuous-coverage credit reinstated.
Under certain circumstances, Tribute accounts may also be reinstated for groups that leave The Doctors Company but rejoin within a year. Contact Member Services at (800) 421-2368 for complete details.