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Group Discount Buying Program
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CAP Group Long Term Disability Insurance Policy and CAP Group Life Insurance Policy*
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CAP members receive medical liability protection from the Mutual Protection Trust (MPT). Since 2006, MPT has earned A.M. Best Company's A+ ("superior") rating, demonstrating MPT's financial strength and its ability to meet ongoing coverage and contractual obligations.
The Mutual Protection Trust (MPT) is authorized under Section 1280.7 of the California Insurance Code as an unincorporated interindemnity arrangement among physician members of the Cooperative of American Physicians, Inc. (CAP). Members do not pay insurance premiums. Instead, they pay tax-deductible assessments, based on risk classifications, for the amount necessary to pay claims and administrative costs. No assurance can be given as to the amount or frequency of assessments. Members also make a tax-deductible Initial Trust Deposit, which is refundable according to the terms of the MPT Agreement. ©2016
*Some restrictions and limitations may apply.
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