Quote from elkpark
This is a fairly controversial issue in nursing, and there are plenty of people who will argue one side or the other. There have been several other recent threads on this board that have gone into great detail about the pros and cons of carrying your own liability insurance -- you may want to search and review them for more info.
(I would never consider practicing a single day without my own liability coverage.)
Cost for health insurance coverage will vary greatly from employer to employer -- you just have to find out what benefits different facilities offer as you interview.
Having worked in a lawfirm exclusively practicing medmal/neglect-I would never consider practicing a single day WITH liability coverage.
Knowing how the system works on both sides-
Nurses, think about this for a minute.
Your facility has insurance for medmal/neglegence:
they are sued by a family member, citing neglegence.
The facility contacts their insurance, who has lawyers
They are defending the employee's actions (which means your actions).
If you have insurance, the attorneys might pursue you.
If you do not have insurance, the attorneys will eventually drop you, (unless you are wealthy.)
People talk about having their own insurance because the facility will not defend them...... What do you think the lawyers are defending? not the doors or windows, not the carpet or desks, they are defending "employees actions".
It is also said that if a person doesn't like the way the lawyers are defending the facility, then they have their own lawyers to do things differently. Wrong. Defending attorneys are not going to fight each other- bigger chance of losing all that way. And if a client thinks that they are going to run their defense, boy have you got another "think" coming.
Yes, this angers me because I see insurance companies gaining millions, and lawyers gaining millions, and hard-working nurses paying.
If you plan on intentionally being a bad nurse, violent acts, illegal acts, violating policies, then, for heaven's sake, get insurance. Some insurance does not cover "intentional" acts. But for those of us who are good, honest day to day nurses, facility insurance covers the actions.
Most of us are not rich. It would take an attorney more $$$ and time then they could afford to go after non-wealthy, working class people.
Just think about it before you throw more money into the money pot.