The Agent’s Advocate | March 2025
Dividend Announced for 2025
The Doctors Company is returning approximately $15.1 million in premium dividends in 2025, bringing the total amount of dividends declared to date to more than $485 million.
Eligible members* will receive a dividend on their policy renewals between July 1, 2025, and June 30, 2026. As in previous years, members must practice in a dividend-eligible state or belong to a select medical society to receive dividends.
Your renewal commissions are calculated on gross premium before dividends are applied.
Members in the states listed below are eligible to receive a member dividend of up to 10 percent. Members of the American Society of Plastic Surgeons® may also receive a dividend.
Members of The Doctors Company will first be eligible for dividends three years after joining. The same three-year period applies to members added to groups.
| State/Society | Percent | |
|---|---|---|
| 2025 | 2024 | |
| Florida | 8% | 7% |
| Idaho | 3% | 2% |
| Illinois | 10% | 8% |
| Maryland | 10% | 10% |
| Massachusetts | 8% | 8% |
| Michigan | 7% | 7% |
| Montana | 8% | 8% |
| North Carolina | 6% | 6% |
| Ohio | 9% | 9% |
| Oregon | 3% | 0% |
| Texas | 5% | 5% |
| Virginia | 3% | 5% |
| Washington | 7.5% | 7.5% |
| Wyoming | 10% | 10% |
| American Society of Plastic Surgeons | 2% | 4% |
| AAO-NHS | 0% | 7% |
Dividend distribution eligibility is based on practice location or participation in a qualifying medical specialty society:
- If an insured is a member of the American Society of Plastic Surgeons (ASPS®) and does not practice in a qualified state, he or she will receive the medical specialty society dividend percentage.
- If an insured practices in a qualified state, he or she will receive the state dividend percentage.
- If both situations apply, the insured will receive the ASPS dividend percentage instead of the qualified state percentage.
Please note: Medical specialty society members in California will not receive a dividend, and accounts with negotiated profit-sharing or retrospective rating arrangements are not eligible. Also, experience rated accounts are not eligible for a dividend.
*Applies to full-time members.
