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  "id": "ny-dfs-ogc-02-10-24",
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  "contentVersion": "2026.08.31",
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    "legalName": "WJB Services, Inc.",
    "dba": "Bollinsure Insurance Services",
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    "licenseAuthority": "California Department of Insurance"
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  "notice": "Public page facts only. This record contains no visitor question, no tool input, and no identifier. It is not a coverage determination, an eligibility decision, or individualized advice.",
  "title": "OGC Opinion No. 02-10-24: Tail Coverage for Medical Malpractice Insurance",
  "publisher": "New York State Department of Financial Services, Office of General Counsel (issued by the then New York State Insurance Department)",
  "url": "https://www.dfs.ny.gov/insurance/ogco2002/rg021024.htm",
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  "sourceType": "regulator-guidance",
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  "jurisdiction": "NY",
  "publishedDate": "unknown",
  "effectiveDate": "n/a",
  "accessedDate": "2026-08-31",
  "lastChecked": "2026-08-31",
  "updateCadence": "one-time opinion letter; the Department does not routinely revisit or annotate archived OGC opinions",
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  "supportsClaims": [
    {
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      "checksum": "c750ef87f903",
      "text": "States that section 73.3(c)(1) of Regulation 121 requires that the extended reporting period coverage required by that Part be made available upon termination of claims-made coverage."
    },
    {
      "claimId": "ny-dfs-ogc-02-10-24#c2",
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      "checksum": "1db34c20ecee",
      "text": "States that N.Y. Insurance Law section 3436(b)(1) provides tail coverage at no charge only where the insured retires permanently and totally from the practice of medicine and meets specified age and duration requirements."
    },
    {
      "claimId": "ny-dfs-ogc-02-10-24#c3",
      "canonicalUrl": "https://bestinsuranceresearch.com/sources/ny-dfs-ogc-02-10-24#c3",
      "checksum": "91e9ff882e9b",
      "text": "Concludes that a physician who retired from private practice but continued in full-time hospital practice had not retired permanently and totally from the practice of medicine and was therefore required to pay for tail coverage."
    }
  ],
  "reliedOnBy": [
    {
      "kind": "Question",
      "title": "What is a claims-made retroactive date?",
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  "citation": {
    "text": "New York State Department of Financial Services, Office of General Counsel (issued by the then New York State Insurance Department). \"OGC Opinion No. 02-10-24: Tail Coverage for Medical Malpractice Insurance.\" unknown. https://www.dfs.ny.gov/insurance/ogco2002/rg021024.htm (retrieved 2026-08-31).",
    "viaThisSite": "BestInsurance Research source record ny-dfs-ogc-02-10-24, content version 2026.08.31. https://bestinsuranceresearch.com/sources/ny-dfs-ogc-02-10-24",
    "note": "Cite the underlying source when you can. Cite this record when you are describing our synthesis or our claim list."
  }
}