Doctors of BC has discontinued the legal expense insurance program that was launched in September 2015 due to an unfavorable combination of high program costs and low member use. The program ceased at 12:01 a.m. 31 December 2016.
The program included a legal advice helpline and insurance to cover the costs of some legal expenses. The helpline ceased on 31 December 2016, but any member claims opened in 2016 will carry on to their normal conclusion, even if that crosses into 2017. For any potential claim that has taken place in the coverage period (prior to 12:01 a.m. on 31 December 2016) but hasn’t yet been submitted to the carrier, the member has 120 days from the date of the event to submit the claim paperwork.
Since the plan’s inception, just 3% of members used the plan, with an accepted claim frequency of 0.09%. The program also experienced a number of complaints, primarily from members indicating that neither the legal advice helpline nor the legal expense reimbursement program covered their specific concern. If it had continued, the price per member would have grown in 2017 because of a price increase from the carrier.
The Insurance Committee is currently looking for alternatives to this program, including using a different carrier or the use of a legal advice helpline only.
If you would like more information, please e-mail firstname.lastname@example.org or call 1 800 665-2262. To contact the carrier, please call 1 877 333-4088.
Above is the information needed to cite this article in your paper or presentation. The International Committee
of Medical Journal Editors (ICMJE) recommends the following citation style, which is the now nearly universally
accepted citation style for scientific papers:
Halpern SD, Ubel PA, Caplan AL, Marion DW, Palmer AM, Schiding JK, et al. Solid-organ transplantation in HIV-infected patients. N Engl J Med. 2002;347:284-7.
About the ICMJE and citation styles
The ICMJE is small group of editors of general medical journals who first met informally in Vancouver, British Columbia, in 1978 to establish guidelines for the format of manuscripts submitted to their journals. The group became known as the Vancouver Group. Its requirements for manuscripts, including formats for bibliographic references developed by the U.S. National Library of Medicine (NLM), were first published in 1979. The Vancouver Group expanded and evolved into the International Committee of Medical Journal Editors (ICMJE), which meets annually. The ICMJE created the Recommendations for the Conduct, Reporting, Editing, and Publication of Scholarly Work in Medical Journals to help authors and editors create and distribute accurate, clear, easily accessible reports of biomedical studies.
An alternate version of ICMJE style is to additionally list the month an issue number, but since most journals use continuous pagination, the shorter form provides sufficient information to locate the reference. The NLM now lists all authors.
BCMJ standard citation style is a slight modification of the ICMJE/NLM style, as follows:
- Only the first three authors are listed, followed by "et al."
- There is no period after the journal name.
- Page numbers are not abbreviated.
For more information on the ICMJE Recommendations for the Conduct, Reporting, Editing, and Publication of Scholarly Work in Medical Journals, visit www.icmje.org