FAQs
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FAQs

TDIC continues to receive inquiries from TDIC policyholders on how to assess and manage the risk of potential exposure.

Practice Management FAQs
Coverage Economic Relief Employment

Who qualifies for the new premium grace period?

All current policyholders with payments due through June 30 will have until June 30 to make those payments.

 

Will payment be due even if dentists offices have yet to reopen by June 30?

This unprecedented health crisis continues to evolve. As of the time the decision was made, most local and emergency declarations were scheduled to sunset well before that date. We will continue to monitor the situation and will advise policyholders of further changes to this policy.

 

With many policies renewing on July 1, what other opportunities are there for dentists to help manage their cash flow?

Eligible members can switch from an annual or semi-annual premium payment option to a monthly payment option to help with short term cash flow.

 

What if a patient claims to believe they acquired the coronavirus in my practice? Will TDIC defend me?

TDIC can’t make a blanket coverage determination, and a claim would have to be filed for TDIC to fully evaluate coverage for your particular case.

You should notify your professional liability carrier immediately to advise of a potential claim. Regardless of whether a patient can conclusively demonstrate that they acquired the virus from your practice, you should consult with your professional liability carrier to develop a plan to address the patient’s concerns. The plan’s approach may simply be to demonstrate the appropriate infection control procedures the office has taken and to have further discussion with the patient to determine when they first developed symptoms.

Whenever you are in doubt about how to handle a situation, TDIC’s Risk Management analysts can work with you to find a solution. To schedule a confidential consultation with an experienced risk management analyst, visit tdicinsurance.com/RMconsult or call 800.733.0633.

 

Clinical FAQs
Infection Control Informed Consent Patient Screening Practice Interruptions Telehealth

Can I wash or reuse face masks?

Single-use masks, or disposable masks, should not be washed for the purpose of reusing with patients.

 

What do I do if I run out of face masks, gloves, or other PPE?

The FDA has stated that it is continuing to monitor the domestic and global supply chain for potential disruptions or shortages and will “use all available tools to react swiftly and mitigate the impact to U.S. patients and healthcare professionals.” In the meantime, the agency encourages healthcare facilities to report any supply disruptions to deviceshortages@fda.hhs.gov.

If you do not have adequate supplies to meet regulations, you should reschedule patient appointments when required PPE is replenished for your office.

 

Should my office provide face masks to patients while they wait for treatment?

Face masks should be used by people who show symptoms of COVID-19 to help prevent the spread of the disease to others. Dentists are advised to only proceed with appointments for patients who do not show symptoms, and the CDC does not recommend a face mask for people who are well.

In small or crowded waiting rooms that offer less than six feet of distance between patients, office staff can offer patients the option to wait in their cars and receive a phone call or text message when it is their turn for treatment.

 

What policies and practices should my office follow to minimize the chance of exposure?

Interim CDC guidance for businesses and employers recommends that:

  • Employers encourage employees who report symptoms of acute respiratory illness to stay home and not return to work until they are free of symptoms for at least 24 hours without the use of fever relieving or symptom altering medications.
  • If an employee appears to be sick upon arrival to work, they should be separated from other employees and sent home immediately.
  • Employees cover a cough or sneeze with a tissue and disinfect frequently touched objects and surfaces using a regular household cleaning spray or wipe.
  • Employees wash hands often with soap and water for at least 20 seconds. If soap and water are not readily available, an alcohol-based hand sanitizer with at least 60% alcohol can be used.

CDC recommends employers place posters that encourage coughing and sneezing etiquette and proper hand hygiene at the entrance to their workplace and in other areas where they are likely seen.

 

I don’t have enough N95 masks for all my staff. Must clinical staff wear N95 masks?

The type of personal protective equipment that should be worn will depend on the procedures being performed. Under OSHA, PPE is considered “appropriate” only if it does not permit blood or other potentially infectious materials to pass through to or reach the employee's work clothes, street clothes, undergarments, skin, eyes, mouth, or other mucous membranes under normal conditions of use and for the duration of time which the protective equipment will be used.

If the decision is made to use respirators in your facility, OSHA does maintain requirements for medical evaluation and fit-testing in their toolkit for health care use of respirators.

OSHA’s Bloodborne Pathogens standard (29 CFR 1910.1030) requires that workers be protected from exposures to blood and body fluids that may contain bloodborne infectious agents. OSHA's Personal Protective Equipment standard (29 CFR 1910.132) and Respiratory Protection standard (29 CFR 1910.134) require protection for workers when exposed to contact, droplet and airborne transmissible infectious agents.

CDC has more information on the differences between N-95 respirators and surgical masks. The ADA also offers tips on how to avoid counterfeit masks.

 

Contact TDIC

800.733.0633
riskmanagement@tdicins.com

For policyholders in Idaho, Oregon, Montana, Tennessee or Washington, call 800.452.0504.

TDIC Endorsed Brokers

TDIC Insurance Solutions
California, Arizona, Illinois, Minnesota and Nevada
Phone:800.733.0633
Email: insuranceinfo@tdicins.com

Montana, Oregon and Tennessee
Phone: 800.452.0504
Email: protected@tdicins.com

Conrad-Houston Insurance (Alaska)
Phone: 907.276.7667
www.chialaska.com

Idaho Dentist Insurance Agency (IDIA)
Phone: 208.371.3052
Email: mike@idahodia.com
www.theisda.org

Jerry Hay, Inc. (Hawaii)
Phone: 808.521.1841
www.jerryhay.com

Mid-Atlantic Insurance Resources (New Jersey)
Phone: 877.476.4588
Email: MAIR@pdais.com
www.midatlanticir.com

Pennsylvania Dental Association Insurance Services (PDAIS)
Phone: 717.234.6530
www.pdais.com

Washington State Dentists’ Insurance Agency (WDIA)
Phone: 800.282.9342
www.wdiains.com