If a claim is made after retirement, are you still covered?

• A. No, coverage ends at retirement
• B. Yes, you are covered for life as long as you continue to pay into the program
• C. Only for one year after retirement
• D. Only for acts committed before retirement

Answer: (B)

After retirement, you can still have protection for claims if you keep paying into the professional liability program. This type of coverage is set up so that claims made after you stop working can still be covered, provided you continue to contribute (or maintain the policy). If you discontinue payments, the coverage ends and a post-retirement claim may not be covered. Some plans also offer tail coverage if you’re leaving, but the key idea is ongoing protection as long as you keep paying into the program. The other options assume coverage ends at retirement, lasts only a year, or only covers pre-retirement acts, which isn’t how this type of professional liability protection operates.