Physician Claims-Made Malpractice Tail Insurance & Pro-Rata Split Calculator
Hospital systems and private-equity medical groups routinely require departing physicians to pay 100% of Claims-Made Tail Coverage ($25,000–$65,000+) within 30 days of exit—even when laid off without Cause. Calculate your tail exposure & pro-rata vesting savings below, then scan your employment contract free.
Physician / Healthcare Employment Inputs
100% Physician Tail + Clawback
$64,200
$46,200 Tail + $18,000 clawback
With Pro-Rata Split Redline
$14,784
$0 on Without-Cause exit; 32% on voluntary
Exit Penalty Protected
$49,416
Saved via Employer Tail Vesting + RVU Forgiveness
Departure Scenario Comparison (Tail Premium: $46,200)
“CLAIMS-MADE TAIL COVERAGE ALLOCATION: Employer shall pay 100% of all Extended Reporting Endorsement ("Tail Coverage") premiums if Physician's employment terminates (a) by Employer without Cause, (b) by Physician for Good Reason, or (c) upon expiration of the Initial Term. If Physician resigns without Good Reason prior to the expiration of the Initial Term, Employer shall pay thirty-four percent (34%) of the Tail Coverage premium for each completed contract year of service (68% Employer share after Year 2), with zero negative RVU reconciliation or sign-on bonus clawback.”