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Common Questions
Before You Reach Out
Do I need prior locum experience to start?
No. The LTA curriculum meets you where you are. The Locum Launch program is built for physicians with zero locum experience. The Independent Physician Masterclass is appropriate for beginners and experienced physicians alike. Many physicians enter LTA while still fully employed — the goal is to build the infrastructure before you need it, so your first assignment is profitable from day one.
What is a Locums Brief, and why does my CV not work?
Your traditional physician CV was built for residency committees and promotion boards — audiences who read slowly and have context to interpret fellowship names and journal publications. In the locum market, the decision-maker is a medical director between cases or a recruiter juggling dozens of openings. Ten pages produce one realistic behavior: a glance at page one and a pass. A Locums Brief distills what matters for that snap judgment into a tight 1–2 pages, optimized for a 30-second scan. It's one of the first things we build with every physician in the program.
Who pays for tail coverage — me or the agency?
It depends entirely on what your contract says — and most agency contracts are drafted to protect the agency, not you. A claims-made policy without a tail coverage obligation converts your malpractice protection into a liability the moment an assignment ends. LTA's contract curriculum teaches you the exact clause language to require: "Agency/Facility shall, upon termination of this Agreement for any reason, purchase an Extended Reporting Endorsement (tail coverage) sufficient to cover all claims arising from professional services rendered by Physician during the term of this Agreement, at no cost to Physician." Most physicians skip this. This is not a section to skim.
What is the FMV Triangle and why does it matter for locum physicians?
Every locum tenens contract, medical directorship, and call coverage arrangement in the United States carries Fair Market Value language — often without explaining what it means or who bears the compliance burden. The FMV Triangle is the three-vertex test every compensation arrangement must pass: Fair Market Value, Commercial Reasonableness, and Volume/Value Independence. Miss any one vertex and the arrangement is at risk regardless of how comfortable the other two feel. Volume II of the Beyond Locums Series teaches this in full; the programs address the application of FMV to locum rate-setting, direct contracting, and medical director arrangements.
Should I set up an LLC, S-Corp, or professional corporation?
The right entity depends on your state, your specialty, your income level, and your long-term practice structure. What is clear is that a W-2 employment structure hides the full cost of working for someone else — and an independent physician running a business needs to understand the entity decision before accepting the first 1099-NEC. The programs and the Beyond Locums curriculum walk through LLC vs. S-Corp vs. PC (PLLC), Solo 401(k) vs. SEP-IRA, quarterly estimated taxes, Section 199A, and how to build a tax structure that captures the full financial advantage of independent practice.