The Agent’s Advocate | March 2026
Dividend Announced for 2026
The Doctors Company is returning approximately $14.3 million in premium dividends in 2026, bringing the total amount of dividends declared to date to $500 million.
Eligible members* will receive a dividend on their policy renewals between July 1, 2026, and June 30, 2027. 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 Academy of Otolaryngology–Head and Neck Surgery (AAO-HNS) and the American Society of Plastic Surgeons® (ASPS®) may also receive a dividend.
| State/Society | Percent | |
|---|---|---|
| 2026 | 2025 | |
| Florida | 8% | 8% |
| Idaho | 3% | 3% |
| Illinois | 10% | 10% |
| Maryland | 10% | 10% |
| Massachusetts | 5% | 8% |
| Michigan | 7% | 7% |
| Montana | 8% | 8% |
| North Carolina | 4% | 6% |
| Ohio | 9% | 9% |
| Oregon | 0% | 3% |
| Texas | 7% | 5% |
| Virginia | 3% | 3% |
| Washington | 4% | 7.5% |
| Wyoming | 10% | 10% |
| AAO-HNS | 3% | 0% |
| ASPS | 2% | 2% |
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.
Dividend distribution eligibility is based on practice location or participation in a qualifying medical specialty society:
- If an insured is a member of the AAO-HNS or ASPS and does not practice in a qualified state, they will receive the medical specialty society dividend percentage.
- If an insured practices in a qualified state, they will receive the state dividend percentage.
- If both situations apply, the insured will receive the respective AAO-HNS or 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.
