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Locums CME #73 | 8 Ways for Locum Tenens Providers to Maximize Income, Essential Asset Protection for Locums, Beating Locums Burnout & More

Editor’s Note

Locum tenens continues to move from a short-term staffing solution into a strategic career choice for clinicians navigating a rapidly changing healthcare environment. As compensation pressures, administrative burden, and workforce shortages reshape traditional care models, more providers are approaching locums with greater intention around income, flexibility, and long-term sustainability.

This edition explores how that strategy plays out in practice. We lead with a look at income optimization, examining how assignment selection, tax planning, and financial structure can directly influence earning potential. Elsewhere, stories highlight the importance of choosing the right agency, building systems that travel between assignments, and exploring nontraditional pathways that allow clinicians to expand opportunities while maintaining greater control over how and where they work.

At the same time, broader industry signals remain impossible to ignore. Regulatory strain, productivity pressures, and evolving care models continue to challenge permanent staffing environments, reinforcing the value of adaptable coverage and flexible career paths. Together, these perspectives reflect a growing reality across medicine: locum tenens is an increasingly durable way for clinicians to build careers aligned with both career goals and personal priorities.

– The Locumpedia Editorial Team

Lead Story

8 Smart Ways Locum Tenens Physicians Can Maximize Their Income

February 12, 2026 | VISTA Staffing

The message is clear. Higher locum tenens pay doesn’t magically appear just because you’re 1099. The biggest lever is assignment selection, with rural and midsize facilities paying up when coverage’s thin. High-demand specialties can clear hourly rates above $300, with premium slots often tied to short-notice shifts, weekends, holidays, and call. It’s a reminder that “flexibility” is only profitable if you’re aiming it at the right kind of demand.

The second lever is taxes, and it’s where many independent clinicians leave real money behind. VISTA Staffing runs through a practical deduction list that hits the locum reality, including travel and lodging, mileage, licensing and DEA fees, CME, health insurance premiums, and retirement contributions. It also calls out IRS per diem rules and the 20% qualified business income deduction, which can change the size of your taxable income when your paperwork’s tight. If you’re treating tax planning as a once-a-year scramble, you’re likely paying more than necessary.

Then there’s stability. Building systems that smooth out the gaps between assignments, including a 3 to 6 month emergency fund and structured retirement vehicles like a Solo 401(k), SEP-IRA, or HSA, can help reduce income volatility. It also points to “quiet” income streams such as chart review, expert witness work, and consulting that can keep cash flow from turning lumpy. Read more here.

Your Locums Prescription

How to Choose a Healthcare Staffing Agency

February 9, 2026 | Weatherby Healthcare

Choosing a staffing agency is ultimately a risk management decision, not a shopping exercise. Recruiters and agency support teams function as part of your clinical infrastructure, touching licensure, credentialing, scheduling, and travel. A strong agency should be able to explain its process, timelines, and who owns what step without drifting into vague reassurance. If they can’t tell you how delays are prevented, delays are likely.

The practical takeaway is what to pressure-test before you sign anything. Ask how they handle licensing support, credentialing turnaround, and communication once you’re on assignment. Get clarity on how call coverage, schedule changes, and time-off requests are managed in real life, not in a sales pitch. If you’ve ever been stuck in a credentialing bottleneck, you already know why this matters.

The financial side is quieter but just as important. Contracts are where pay can leak due to mismatched expectations around hours, calls, and reimbursement terms. A clinician-first agency should be willing to walk through agreements line by line, confirm what’s compensated, and put expectations in writing. Read more here.

Why a Forensic Psychologist Chooses Locums Contract Work and Thinks You Should Too

February 6, 2026 | LocumTenens.com

This profile makes the case that contract work isn’t only for hospitalists and ED clinicians. A forensic psychologist lays out why locum tenens work fits a specialty built around court schedules, evaluations, and variable caseloads. The appeal isn’t only travel or novelty. It’s the ability to shape your workload, pick environments that fit your practice style, and avoid getting boxed into a single institution’s bureaucracy.

A key advantage is portability. For clinicians in niche specialties, the value proposition is often access, not volume. Contract work can widen your referral base and expose you to different systems without locking you into one employer’s infrastructure. It can also help you build a diversified income mix when traditional full-time roles are scarce or geographically limited.

One important consideration is operational discipline. Specialty locum work tends to live or die on documentation quality, scheduling reliability, and clear scope boundaries. If you’re stepping into forensic, psych, or similarly specialized roles, the contract needs to spell out expectations around reports, timelines, and support staff. Read more here.

Life, Love, and Locums: How to Build a Locums Practice Together

February 12, 2026 | Hayes Locums

This story follows two ophthalmologists who turned locum tenens into a shared project after their kids left for college. It’s less romance, more logistics. The pair targeted assignments that let them stay close to family while benefiting from a change of environment. Even working in the same facility, their days looked different, which is a realistic preview for dual-specialty couples.

The operational takeaway is coordination. Couples who want to work in the same market need a plan for licensure timelines, credentialing lead times, and schedule alignment. You’re balancing two specialties, two sets of requirements, and often two different clinical footprints inside the same hospital. The “adventure” part only works if the paperwork’s in place and the start dates are real.

It also hints at a longer-term benefit. After 25 years in academic medicine, they used locum work to test different practice environments and rediscover what fit, including teaching opportunities and new teams. That’s a strong use case for mid- and late-career clinicians who want variety without compromising their professional identity. Read more here.

A Career in Remote Medicine: Lessons from the Field

February 12, 2026 | LinkedIn

Wilderness Medical Staffing shared a LinkedIn post highlighting founder Mary Ellen Doty, NP, and the release of her book, “Medicine at 50 Below.” The post reflects on her decades of practicing medicine in remote and underserved regions and the experiences that shaped the company’s focus on rural and remote healthcare.

Doty’s perspective reinforces an important reality of rural assignments. Practicing in remote settings can be professionally meaningful and financially rewarding, but it also requires comfort with independence, limited resources, and small-team environments. Clear expectations around scope, support, and emergency backup remain essential for clinicians considering this type of work.

Remote medicine also emerges as a deliberate career path rather than a one-time experience. For clinicians interested in underserved or adventure-based assignments, firsthand experience and strong agency support can play an important role in long-term success. Read more here.

AI on Call

Wellness Retreat

Physician Resilience: Why Systems Matter More Than Heroism

February 11, 2026 | KevinMD

KevinMD challenges the “medical hero” myth and replaces it with something clinicians can actually execute. The argument is that sustained performance comes from an internal operating system built on small, repeatable decisions, not adrenaline and late-night brilliance. The post frames reflection as a safety mechanism that protects judgment before the performance begins to suffer. It also strips wellness down to infrastructure, noting that clinical decision-making becomes harder when providers are depleted.

That’s a useful lens for clinicians who move between facilities. Locum work throws you into new workflows, teams, and documentation norms, and willpower won’t help when the environment’s noisy. Simple rules for notes, results follow-up, and what you do when you’re overloaded can keep you clinically steady while you’re still learning the local system. Checklists and templates aren’t crutches. They’re how you reduce risk when the setting changes every few weeks.

The broader takeaway is control. You can’t take charge of a hospital’s staffing grid or an EHR build, but you can control the systems you carry with you. If you’ve been riding motivation, this is a nudge to build processes that hold up on day 3 of a new assignment, when the novelty’s gone, and the pace is real. Read more here.

Physician Burnout Is Not Going Away; Experts Offer Ideas On Reducing Regulatory Burdens

February 13, 2026 | Medical Economics

Medical Economics ties burnout to policy mechanics, not personality. It reports on a February 11 Senate Special Committee on Aging hearing titled “The Doctor Is Out: How Washington’s Rules Drove Physicians Out of Medicine,” centered on prior authorization, documentation, and compliance work that crowds out patient care. The story highlights a feedback loop: administrative burden fuels burnout, burnout drives exits, and exits deepen shortages, especially in rural and underserved areas.

The numbers are what land. A 2026 MGMA survey of more than 230 physician practices found over half had lost at least one physician to burnout in the past three years, and more than 75% said regulatory burden played a significant role. That’s an employment market signal, not a wellness slogan. When permanent teams can’t retain clinicians, coverage gaps widen and demand for short-term staffing rises.

Policy changes matter in your day-to-day work. The discussion includes streamlining prior authorization, improving EHR usability and interoperability, and standardizing payer forms. For locum clinicians, this is the difference between a clean workday and a documentation trap that follows you home. Read more here.

Doctors’ Notes

What Unmarried Physicians Should Know About Asset Protection and How to Keep Yourself Safe

February 14, 2026 | White Coat Investor

White Coat Investor spotlights an asset protection blind spot that hits single, high-income clinicians hard. The post argues that “not married” doesn’t mean “not exposed,” especially when common-law claims or litigation can still drag assets into years of legal conflict. It positions being unmarried as a strategic planning window, before assets are commingled and before anyone can claim a legal stake. The central tool discussed is the Domestic Asset Protection Trust, an irrevocable structure designed to shield assets from future creditors.

The details are specific enough to be actionable. It says 17 states explicitly allow this structure, and it sets a rough usefulness threshold, suggesting clinicians under $2 million net worth may find the complexity outweighs the value. It also puts real price tags on the table, estimating setup costs of $18,500 to $25,000, with more for complex transfers like real estate. Wyoming gets singled out for a 90 to 120-day waiting period for protection and for legal features that can keep proceedings sealed.

If you’re 1099, you’re already building your own financial scaffolding. This is a reminder that malpractice limits and professional visibility can create exposures that basic insurance doesn’t fully solve. The bigger lesson is timing. Asset protection started after a claim appears is usually too late to count. Read more here.

The Physician Work-Pay Gap Widens

February 10, 2026 | Becker’s Hospital Review

Becker’s reports a financial squeeze inside physician enterprises that’s getting harder to ignore. Using Kaufman Hall’s Physician Flash Report data from more than 200,000 employed providers across more than 100 specialties, it shows productivity rising faster than pay. Work RVUs per FTE increased 7% since 2023, while compensation rose 6% and reimbursement declined 1% based on net patient revenue per wRVU. In plain terms, clinicians are producing more and getting less per unit of work.

The downstream effect is subsidy pressure. Becker’s says the median investment per physician reached $315,358 in Q4 2025, up 4% since 2023, with labor expenses at 84% of total physician practice costs. Kaufman Hall estimates that, at a median subsidy of $236,290 per provider and a 1% hospital operating margin, physicians would need to generate roughly $17 million in downstream revenue to offset that investment. That’s a high bar in a tight reimbursement environment.

This is the kind of market signal that shows up in contract negotiations. When employed models get stressed, systems look for flexible staffing and ask clinicians to do more with less. Locum clinicians should watch how sites handle volume, staffing ratios, and documentation expectations, because the economic pressure doesn’t stay in the boardroom. Read more here.

Transitioning from Academia to Corporate Chief Medical Officer

February 10, 2026 | YouTube

Dr. Nisha Mehta speaks with Dr. Neel Shah, Chief Medical Officer at Maven Clinic, about his transition from academic medicine and public health into a leadership role at a rapidly growing healthcare startup. The conversation explores how the CMO role evolves as organizations scale and the skills physicians may need when moving into corporate or innovation-focused environments.

The discussion also examines how virtual care, wearable technology, and direct-to-consumer healthcare models are reshaping care delivery. Dr. Shah reflects on how clinical leadership helps shape company culture while working alongside nonclinical experts driving healthcare innovation.

For clinicians curious about nontraditional career paths, the episode offers a perspective on how medical expertise can extend beyond clinical practice into strategy, leadership, and emerging healthcare models. Read more here.

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