Gerald "Ray" Callas, MD, FASA
I became a part of the TMLT family as a policyholder in 2004, and was elected to the TMLT Board of Governors in 2013. And this year, it has been an honor to serve as Chairman of the TMLT Board of Governors.
I am excited to build on the strong foundation created by those who established TMLT, and the incredible leaders who came before me.
TMLT was successful from the beginning. In the mid-1970s, the idea of forming a self-insurance trust led by physicians sprang from a handful of physicians and a young Austin attorney. Working together, the governing board and staff took TMLT from a fledgling start up with a few hundred policyholders, to the leading writer of medical liability insurance in Texas.
And TMLT has expanded beyond Texas through its affiliate, Lone Star Alliance, RRG. We now cover more than 37,000 health care professionals nationwide.
In 2019 — as it was in 1979 — board members are driven by a calling to support physicians. We do this by offering flexible coverage for all practice types and any physician work arrangements. We cover all specialties in all areas of Texas.
We support physicians through our claims defense and risk management services. TMLT does not “settle” non-meritorious cases and will not settle a case without policyholder consent.
We have given back to physicians through our Trust Rewards and dividend programs. (We remain one of the only carriers with an active dividend program.) Since these programs began, we’ve paid over $316 million in dividends and allocated $205 million in Trust Rewards to Texas physicians.
We support physicians through our partnership with the Texas Medical Association, our support of the county medical societies, and our advocacy of the Border Health Caucus. TMLT Board members and staff also have a long history of fighting on the front lines to keep tort reform in Texas. Other advocacy efforts include helping to lessen the regulatory burdens placed on physicians.
Because TMLT is physician-led, Board members support physicians from within TMLT by giving critical input and feedback to staff on decisions that affect policyholders. We also support physicians through our involvement with the TMLT Claims Review Committee and the TMLT Underwriting Review Committee.