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Medical Liability Mutual Insurance Company

News Update!
 

Webinar - Telehealth in the age of Covid-19


MLMIC annnounces coverage continuation for returning
physicians Volunteering to Battle covid-19

As part of MLMIC's ongoing support of the medical community as it takes on COVID-19, any retired physician returning to volunteer and aide in the COVID-19 efforts who was last insured by MLMIC prior to their retirement will have access to professional liability coverage without requiring any new premium.  The same policy benefits and coverages will be provided as when the volunteering physician was actively practicing medicine and last insured with MLMIC.

Retired physicians who were last insured by MLMIC and choose to volunteer should simply call (800) ASK-MLMIC or click HERE.


MLMIC and COVID-19 Update

For the most up up-to-date COVID-19 information and to learn how MLMIC is supporting the medical community
(click here).  Also, please make note of the following numbers and link:


MLMIC.com Blog - Cuomo Executive Order Grants Immunity to Healthcare Providers During COVID-19 Emergency


COVID-19:  An important message for mlmic policyholders

As our thousands of New York physicians, nurses, allied professionals, facilities, and dedicated health care teams engage the coronavirus COVID-19 on the front line, we want to reassure you that MLMIC Insurance Company stands with you. Our top priority is to do everything we can to support you.  Our staff remains directly available via phone (800) ASK-MLMIC (1-800-275-6564) and every effort will be made to handle inquiries and answer questions regarding claims, coverages and policies on an immediate basis.  MLMIC’s toll free 24/7 Legal Hotline - (855) FAKS-LAW can help address many questions or concerns that may arise.  For the latest information on this developing issue, follow us on Twitter and LinkedIn - and look for updates on the MLMIC Blog.

https://twitter.com/MLMIC  •  https://www.linkedin.com/company/mlmic  •  https://www.mlmic.com/blog

While the elements of battling this unprecedented virus are changing with each new day, MLMIC is making every effort to develop and deploy resources (i.e., targeted Risk Management publications, free online webinars, etc.) on such pressing issues as the use of Telemedicine to assist you as you fight through this truly challenging time. Further information will be provided over the coming days.

On behalf of everyone at MLMIC, we thank you for your service, expertise and efforts in keeping all of us safe and healthy.


MLMIC Resources

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MLMIC Research Library

The MLMIC Research Library's services are available to all policyholders on a complimentary basis.  MLMIC owns a large collection of medical malpractice risk management book and DVD titles that can be borrowed for up to a five week loan.  Some recent additions include:

  • Legal manual for New York physicians
  • 2019 hospital accreditation standards
  • 2019 standards for ambulatory care
  • ASHRM health care claims and litigation playbook
  • The EMTALA answer book 2018
  • HIPAA compliance handbook 2018
  • Long Term Care State Operations Manual
  • Theft prevention guide for senior living

Why MLMIC?

NYACP continues to endorse MLMIC as a membership benefit because, for over 40 years, the Medical Liability Mutual Insurance Company (MLMIC) has put the interests of policyholders first. Their mission has always been to provide the highest quality liability insurance at the lowest possible cost consistent with long term viability.

MLMIC charges premiums that are specialty and territory specific, without a profit motive or high operating expenses.  When MLMIC’s financial results turn out better than expected, dividends are shared with policyholder holders. To help the insured avoid claims, effective risk management programs are developed that provide CME credits, a 5% premium discount, and the opportunity to qualify for free excess insurance funded by New York State.  For policyholders that get a claim, MLMIC vigorously defends the standard of care, closing the vast majority of cases without a loss payment.

Today, MLMIC is the leading medical and dental liability insurer in New York State, and they insure approximately 15,000 physicians, 5,000 mid-level and allied health practitioners, 4,000 dentists, and 40 hospitals. MLMIC remains a mutual insurer owned by their policyholders.  If you want an insurance carrier that truly looks out for you, please visit MLMIC.com or call (800) ASK-MLMIC.

Healthcare Weekly

Read the latest MLMIC Insurance Company news - plus other relevant and valuable industry articles.

Click here to read MLMIC's Healthcare Weekly

MLMIC Risk Management Tip #25:

Tip #25:  Managing Negative Online Reviews

The Risk:  Healthcare providers recognize that along with their practice websites, public websites such as Yelp, Healthgrades, and Rate MDs, and social media sites like Facebook and Twitter, can be used as marketing tools to inform the public of their services.  The online community, however, is then afforded an opportunity to respond, rate, and, at times, complain about those services.  These statements and reviews are readily accessible to anyone with an internet-ready device to open and read.

While there is a basic instinct to immediately respond to negative online reviews, healthcare providers must remember that privacy rules make a complete response via social media inappropriate, and responding directly to an online post puts the healthcare provider at risk of disclosing protected health information (PHI).  Your response may not contain any identifying statements, but the mere recognition of a patient-provider relationship is a potential HIPAA violation.

Recommendations...
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MLMIC's November 2019 Case Review Publication
This issue of MLMIC's Case Review can be obtained in print (PDF) or as a podcast which will allow
policyholders and non-policyholders alike to listen to an audio version of each case study and its accompanying legal and risk management analysis.  The cases in this issue include:

  • Case Study #1:  Multiple Failures in Care Result in Neurologically Impaired Infant
  • Case Study #2:  Questionable Eye Care and Records Lead to Large Settlement

MLMIC's Fall 2019 Dateline

Articles featured in this publication include:

  • The Risks of EHR Software Changes and Upgrades
  • Case Study:  Double Amputation and Finger Pointing at Trial Result in Large Settlement
  • Don't Let Treatment Refusal Result in Legal Liability
  • Risk Management Tip#26:  The Proper Use of Scribes

>>Read More


MLMIC's July 2019 Case Review Publication
This issue of MLMIC's Case Review can be obtained in print (PDF) or, for the first time, as a podcast which will allow policyholders and non-policyholders alike to listen to an audio version of each case study and its accompanying legal and risk management analysis.  The cases in this issue include:

  • Case Study #1:  Gastroenterologist and Hospital Absolved after Disastrous Outcome
  • Case Study #2:  Poor Communication Regarding Medical Management Results in Patient Death

MLMIC's Spring 2019 Dateline

>>Read Dateline


MLMIC's March 2019 Case Review Publication
This issue of MLMIC's Case Review newsletter features the following cases:

  1. Summary Judgment Granted to Internist after Patient Expires
  2. Lost Medical Records Result in Severe Allergic Reaction

>>Read Case Studies


AM Best Assigns Credit Ratings to MLMIC Insurance Company
AM Best has assigned a Financial Strength Rating of A+ (Superior) and a Long-Term Issuer Credit Rating of
"aa-" to MLMIC Insurance Company (MLMIC) (New York, NY).  The outlook assigned to these Credit Ratings is
stable.  >>Read More


MLMIC Joins Berkshire Hathaway Family of Companies

MLMIC has announced the official completion of its conversion from a mutual company to a stock company and its acquisition by National Indemnity Company, a subsidiary of Berkhire Hathaway.  The cash consideration resulting from the conversion will be paid out to eligible policyholders as promptly as practicable.  >>Read More


MLMIC Offers CME Modules to Address Diagnostic Errors

MLMIC has recently announced that a new series of CME modules addressing diagnostic errors is now available online.

High Exposure Liability: Errors in Diagnosis – Parts I & II feature a physician expert and a defense attorney discussing high exposure liability claims associated with errors in diagnosis. The top medical factors that contribute to diagnostic errors are reviewed, and strategies to prevent claims are outlined. A case study analysis illustrates the key medical and legal issues that impact the outcome of a diagnostic error claim. Risk management strategies to help physicians improve the quality of patient care and reduce their potential liability risk are also provided.

To learn more about MLMIC’s CME modules, including how to register and view them, please click here or contact MLMIC.


Dealing with Patients Who Have Compromised Driving Ability

One of the most difficult decisions an individual faces is whether and when to surrender his/her driver's license and stop driving.  In addition, physicians are often in a quandary regarding the extent to which they are obligated to report to the New York State Department of Motor Vehicles when they believe a patient should not be operating a motor vehicle.  It is recommended that you take a few minutes to read this important and informative article.  >> Read More


What to Do When Patients Record Conversations with Their Patients

The use of cell phones by patients and families for the purpose of recording conversations with their healthcare providers is a topic of serious concern to many physicians.  >>Read More



Medical Liability Mutual Insurance Company (MLMIC) was formed in 1975, in cooperation with the Medical Society of the State of New York (MSSNY).  It is a mutual professional liability insurance company, which means that it is owned by the healthcare providers it insures. Headquartered in New York City, MLMIC has field representatives throughout the State, as well as three regional offices located in Syracuse, East Meadow, and the Albany area.

Management and direction of MLMIC is accomplished through a Board of Directors, comprised of physicians, dentists, and hospital administrators.  Policyholders have full voting rights on management issues. MLMIC is an active participant in the national organization, Physician Insurers Association of America (PIAA), and has been a leading force in development of risk management programs and systems, cause of loss identification, and patient safety education.                                         


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Last Updated:  4.1.2020

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