‘‘(ii) from the date of termination of or 
release from military service, or from the 
date of application if made after termi-
nation or release from military service. 
‘‘(B) Any stay under this paragraph shall 
be—
‘‘(i) for a period of time equal to the 
period of the servicemember’s military serv-
ice or any part of such period; and 
‘‘(ii) subject to payment of the balance 
of principal and accumulated interest due 
and unpaid at the date of termination or 
release from military service, or the date of 
application, in equal periodic installments 
during this extended period at the rate of 
interest as may be prescribed for this obli-
gation, liability, tax, or assessment, if paid 
when due, and subject to other terms as 
may be equitable. 
‘‘(c) EFFECT OF STAY ON FINE OR PENALTY.—When 
a court grants a stay under this section, a fine or penalty 
shall not accrue on the obligation, liability, tax, or assess-
ment for the period of compliance with the terms and condi-
tions of the stay.
‘‘SEC. 702. POWER OF ATTORNEY. 
‘‘(a) AUTOMATIC EXTENSION.—A power of attorney of 
a servicemember shall be automatically extended for the pe-
riod the servicemember is in a missing status (as defined 
in section 551(2) of title 37, United States Code) if the 
power of attorney—
‘‘(1) was duly executed by the servicemember—
‘‘(A) while in military service; or 
‘‘(B) before entry into military service but 
after the servicemember—
‘‘(i) received a call or order to report 
for military service; or 
‘‘(ii) was notified by an official of the 
Department of Defense that the person could 
receive a call or order to report for military 
service; 
‘‘(2) designates the servicemember’s spouse, par-
ent, or other named relative as the servicemember’s 
attorney in fact for certain, specified, or all purposes; 
and 
‘‘(3) expires by its terms after the servicemember 
entered a missing status. 
‘‘(b) LIMITATION ON POWER OF ATTORNEY EXTEN-
SION.—A power of attorney executed by a servicemember 
may not be extended under subsection (a) if the document 
by its terms clearly indicates that the power granted expires
on the date specified even though the servicemember, after 
the date of execution of the document, enters a missing sta-
tus. 
‘‘SEC. 703. PROFESSIONAL LIABILITY PROTECTION. 
‘‘(a) APPLICABILITY.—This section applies to a 
servicemember who—
‘‘(1) after July 31, 1990, is ordered to active 
duty (other than for training) pursuant to sections 
688, 12301(a), 12301(g), 12302, 12304, 12306, or 
12307 of title 10, United States Code, or who is or-
dered to active duty under section 12301(d) of such 
title during a period when members are on active 
duty pursuant to any of the preceding sections; and 
‘‘(2) immediately before receiving the order to ac-
tive duty—
‘‘(A) was engaged in the furnishing of 
health-care or legal services or other services de-
termined by the Secretary of Defense to be pro-
fessional services; and 
‘‘(B) had in effect a professional liability 
insurance policy that does not continue to cover 
claims filed with respect to the servicemember 
during the period of the servicemember’s active 
duty unless the premiums are paid for such cov-
erage for such period.
‘‘(b) SUSPENSION OF COVERAGE.—
‘‘(1) SUSPENSION.—Coverage of a servicemember 
referred to in subsection (a) by a professional liability 
insurance policy shall be suspended by the insurance 
carrier in accordance with this subsection upon re-
ceipt of a written request from the servicemember, or 
the servicemember’s legal representative, by the insur-
ance carrier. 
‘‘(2) PREMIUMS FOR SUSPENDED CONTRACTS.—
A professional liability insurance carrier—
‘‘(A) may not require that premiums be 
paid by or on behalf of a servicemember for any 
professional liability insurance coverage sus-
pended pursuant to paragraph (1); and 
‘‘(B) shall refund any amount paid for cov-
erage for the period of such suspension or, upon 
the election of such servicemember, apply such 
amount for the payment of any premium becom-
ing due upon the reinstatement of such coverage. 
‘‘(3) NONLIABILITY OF CARRIER DURING SUSPEN-
SION.—A professional liability insurance carrier shall 
not be liable with respect to any claim that is based 
on professional conduct (including any failure to take 
any action in a professional capacity) of a 
servicemember that occurs during a period of suspen-
sion of that servicemember’s professional liability in-
surance under this subsection. 
‘‘(4) CERTAIN
CLAIMS
CONSIDERED
TO
ARISE 
BEFORE
SUSPENSION.—For the purposes of para-
graph (3), a claim based upon the failure of a profes-
sional to make adequate provision for a patient, cli-
ent, or other person to receive professional services or 
other assistance during the period of the professional’s 
active duty service shall be considered to be based on 
an action or failure to take action before the begin-
ning of the period of the suspension of professional li-
ability insurance under this subsection, except in a 
case in which professional services were provided after 
the date of the beginning of such period. 
‘‘(c) REINSTATEMENT OF COVERAGE.—
‘‘(1) REINSTATEMENT
REQUIRED.—Professional 
liability insurance coverage suspended in the case of 
any servicemember pursuant to subsection (b) shall be 
reinstated by the insurance carrier on the date on 
which that servicemember transmits to the insurance 
carrier a written request for reinstatement. 
‘‘(2) TIME
AND
PREMIUM
FOR
REINSTATE-
MENT.—The request of a servicemember for reinstate-
ment shall be effective only if the servicemember 
transmits the request to the insurance carrier within
30 days after the date on which the servicemember is 
released from active duty. The insurance carrier shall 
notify the servicemember of the due date for payment 
of the premium of such insurance. Such premium 
shall be paid by the servicemember within 30 days 
after receipt of that notice. 
‘‘(3) PERIOD OF REINSTATED COVERAGE.—The 
period for which professional liability insurance cov-
erage shall be reinstated for a servicemember under 
this subsection may not be less than the balance of the 
period for which coverage would have continued under 
the insurance policy if the coverage had not been sus-
pended. 
‘‘(d) INCREASE IN PREMIUM.—
‘‘(1) LIMITATION ON PREMIUM INCREASES.—An 
insurance carrier may not increase the amount of the 
premium charged for professional liability insurance 
coverage of any servicemember for the minimum pe-
riod of the reinstatement of such coverage required 
under subsection (c)(3) to an amount greater than the 
amount chargeable for such coverage for such period 
before the suspension.
‘‘(2) EXCEPTION.—Paragraph (1) does not pre-
vent an increase in premium to the extent of any gen-
eral increase in the premiums charged by that carrier