1. When can I expect my dividend check?

Look for your dividend check to arrive the last week of March or in early April.

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2. What can I do if my check is lost, damaged or destroyed?

Notify NCMIC and we will request a stop payment on that check and reissue a new dividend check as quickly as possible. You can contact an NCMIC customer service representative at dividend@NCMIC.com or by calling toll free 1-800-769-2000 ext. 3808.

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3. To what address will the dividend be mailed? Home or business address?

The check will be sent to your standard NCMIC mailing address automatically. If you would like to change your mailing address for all correspondence (not just your premium dividend check), please call an NCMIC customer service representative toll free at 1-800-769-2000 ext. 3808. If you wish to receive your check at a new address, please notify us by February 28, 2010.

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4. Who determines if a dividend will be issued and how much will be paid?

The NCMIC Board of Directors meets annually in the fourth quarter to determine if a dividend will be declared and what the overall amount will be. This decision is based on the ongoing financial stability of the company, return on investments and how well you, our policyholders, have managed risk in your professional practices.

This is the 14th consecutive year in which NCMIC has issued a premium dividend. The premium dividend is just one of the many reasons it pays to be an NCMIC policyholder.

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5. How are premium dividend checks calculated?

Because your dividend is a reward for your continuing commitment to NCMIC, the amount of your check is calculated based on your premium paid and the length of uninterrupted time you've been protected by NCMIC.

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6. If I don't receive my check in the mail, how long should I wait before contacting NCMIC?

Please allow at least 30 days to ensure that the postal service has had adequate time to deliver the check to you.

We will do everything we can to get the checks processed and in the mail on or shortly after March 22, so please wait until at least April 21 before contacting NCMIC.

If you have not received your check by that time, please contact us by e-mail at dividend@ncmic.com or call an NCMIC customer service representative toll free at 1-800-769-2000 ext. 3808.

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7. Can I apply my dividend check toward my annual premium?

Of course. At your next billing statement, simply endorse your dividend check as "payable to NCMIC Insurance Company" and return it by mail with a check for the remainder of your premium. On the other hand, if your next bill won't be arriving for a few months, it may be easier to cash your dividend check now and just handle your next billing statement when it arrives later.

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