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Frequently Asked Questions
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FAQ
General
Who can answer my questions about my premium and coverage?
How can I access current Managing Risk materials?
Is it true that I can earn premium discounts through “Risk Rewards”?
What mechanisms are in place to support me in the event of a claim?
What is ISMIE Mutual doing to counteract the medical liability crisis?
A.M. Best Rating 2009
What is ISMIE Mutual’s A.M. Best rating?
What is an A.M. Best rating?
How does A.M. Best determine a rating?
Will ISMIE Mutual experience a change to its rating in the future?
What about other companies in Illinois and their A.M. Best rating?
Dividend Program
Do I have to apply for the dividend?
Who is considered an “eligible insured”?
How will the individual amounts for a physician be determined?
Why does the dividend only include the first million in coverage?
How will the dividend be paid?
Is the determination of the dividend pools a fixed amount for future years?
When originally announced, this was to be a two-year program. Is this now a four-year program?
ISMIE Mutual's Relationship with Brokers
Why does ISMIE Mutual work with brokers?
How are brokers compensated?
If I don’t use a broker, and ISMIE does not have to pay commission, why can’t I receive a discount?
Why doesn’t ISMIE stop using brokers, so as to bring premiums down?
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