Asked Questions (FAQs)
Q: Once I submit my application what is the usual turn around time?
A: Most applications are processed within 48 hours of receipt. If
the application is returned by postal mail, several days must be
allowed for delivery time each way. Sending your application by
fax with a credit card authorization allows the quickest response.
Q: Can I request a specific effective date?
A: You may request a specific date but it may not be earlier than
the date after receipt of your application (at 12:01 AM) by the
program administrator, CM&F Group. If you indicate an effective
date of your current policy in item 1 b. of the application, that
will be the effective date of coverage unless you indicate otherwise.
Note, no coverage can be considered activated as of any effective
date until you receive confirmation of the acceptance of your application
in the form of your delivered insurance policy.
Q: Whom do I contact to obtain status of a faxed application?
A: Allow at least 2 hours for receipt and acknowledgement of your
fax before calling for confirmation. Then call CM&F Group at
Q: How soon can I obtain proof of coverage?
A: You should allow 2 to 4 weeks from the submission of your application
to delivery of your policy by postal mail. If you need a more immediate
confirmation in the form of a “certificate of insurance”,
you can call CM&F Group at 800/221-4904. Allow about 1 week
to receive it.
5) Q: I need coverage for my moonlight practice position
only – Do you have moonlight policy coverage available?
A: Yes, there are discounts for both moonlighting and part-time
Q: What are the payment options available?
A: Payment may be by check or credit card. There are no separate
installment or premium finance options.
Q: Do I need to send full premium or are there installment options
A: Send the full premium amount by check or credit card authorization.
Installment plans are not available at this time.
Q: What is the difference in “Claims Made” policies
A: Refer to the following article for a detailed explanation: http://www.epreceptor.com/aapa_insurance/Malpractice-Insurance-Bridging-Your-Gap.pdf.
9) Q: Can I carry an individual policy as well as be covered
under my supervising physician’s policy? Whose policy will
cover if a claim should arise?
A: Refer to the following article
for a detailed explanation.
Q: Can I obtain an insurance policy if I have a temporary license?
A: As long as your licensed is valid for PA practice and you provide
your license number in your application, where requested, you are
eligible for coverage.
11) Q: Can I have policy mailed to my home address instead
of work address?
A: Use your home address in completing the application. That will
become your legal address for receiving notices under your policy.
Notify the program administrator, CM&F Group, promptly if you
have a change of address.
Q: What information do I need to submit if I have had a claim/incident?
A: Refer to the following article for a detailed explanation: http://www.epreceptor.com/aapa_insurance/Staking-your-Claim.pdf.
Q: Will my application be automatically denied if I have had a claim?
A: No, neither acceptance nor denial is automatic. Your application
must be specifically approved. If you have had prior claims, you
must provide full details with your application. Refer to the following
article for a detailed explanation: http://www.epreceptor.com/aapa_insurance/Staking-your-Claim.pdf.
Q: How can I advise the insurance company of any changes? i.e.:
address, employment or limit change request.
A: Send all requests in writing to CM&F Group, 99 Hudson St.,
12th Floor, New York, NY 10013-2815 or fax any changes to 212/608-4378.
Q: What limits option should I choose?
A: Refer to the following article for a detailed explanation: http://www.epreceptor.com/aapa_insurance/Professional-Liability-Insurance.pdf.
Q: Do you have a health plan available for AAPA members?
A: We have a Disability Income Plan and a Group Term Life Plan in
most states. We do not have plans for major medical coverage (to
cover physician and hospital charges for illness or injury).