Providing You With Immediate Financial Assistance

April 8, 2020

Dear Doctors,

MEDICAL MUTUAL applauds your ability to persevere in the face of this pandemic and the resulting impact on your patients and practices. I join you in experiencing the current pressure and difficulty of sustaining a practice in this unprecedented time and pray for the health of all our patients. Hopefully, we will be fully engaging with them in the near future.

To provide immediate financial assistance to you and your practice, MEDICAL MUTUAL has notified the Maryland Insurance Administration that we will apply a 25% “pandemic credit” for the period April 1, 2020 through December 31, 2020 to every medical professional liability policy issued by the Company.  

As you are aware, your second quarter invoice for the period of April 1, 2020 through June 30, 2020 was satisfied with the application of the 25% Special Dividend credit that was announced at the end of last year. Any portion of the 25% Special Dividend credit not needed to satisfy your 2nd quarter invoice will be applied to your 3rd quarter invoice (July 1, 2020 through September 30, 2020). This, in addition to the 25% pandemic credit for both the 2nd and 3rd quarter invoices will result in an over 50% reduction to the normal premium due on your 3rd quarter invoice.

We realize that you currently have no balance due as a result of the application of the 25% Special Dividend. While 3rd quarter bills will not be mailed until late in May, we want to announce the 25% pandemic credit as soon as possible so that you are aware of the financial relief that will decrease the premium due on your 3rd quarter invoice from MEDICAL MUTUAL. In addition to the reduced premium, MEDICAL MUTUAL also is extending the payment date by an additional 30 days, which gives you until mid-July, 2020 if necessary to pay your reduced invoice.

This is just one of several actions we have taken to help you during this challenging period. We have expanded rules for practicing telemedicine, eliminated time restrictions for policy suspensions, and frozen retirement benefit restrictions to allow retired Doctors to assist during the pandemic. For a complete and current list of changes, and for a comprehensive source of information related to the COVID-19 pandemic, please visit our web site at


George S. Malouf, Jr., M.D., FACS

Chair of the Board