Understanding Nurse Liability report
- 6Dec 27, '12 by GrnTea, BSN, MSN, RNI receive these very interesting updates periodically and thought they might be of good general interest, to contribute to the recurrent "losing my license!!" and "should I have malpractice insurance?" threads.
"The report offers nurses...greater insight into malpractice claims as well as licensing board actions brought against their colleagues and facilities. ... Surveys were conducted using practitioners having experienced a professional liability claim along with those who did not to compare factors which may have contributed to increased exposure.
Understanding Nurse Liability, 2006-2010: A Three-Part Approach (Full Report)
Understanding Nurse Liability, 2006-2010: A Three-Part Approach (Summary)
This three-part report covers professional liability claims, licensing protection claims and selected samples from the NSO 2011 Qualitative Nurse Work Profile Survey.
Highlights of the report include:
- Professional Liability Claims: Over $83 million was paid in indemnity (judgments and settlements) and expenses on behalf of nurses during the study period, realizing an average total incurred of $204,594 per claim.
- License Protection Claims: Fifty-seven percent of RNs who experienced a license defense paid claim worked in a hospital while 56% of LPN/LVNs worked in an aging services setting.
- Nurse Work Profile Survey: The number of claims significantly increased, the longer respondents worked as nurses. The highest percentage involved respondents who had worked more than 21 years as a nurse."
- 3Dec 28, '12 by traumaRUs, MSN, APRN, CNS AdminNot true at all. First, the hospital or practices malpractice must pony up the money for a claim. It is only if it goes over a certain amt (Usually set by the state) that your malpractice would kick in. This is YOUR protection - your employer is NOT going to go to the BON with you if you have a complaint, they are not into protecting YOU once the malpractice claim is settled. If any money is paid on your behalf, the BON gets a notification and your license is then subject to discipline. Your employers malpractice insurance stops once their portion of the suit is settled. They are not going to give a hoot what the BON does or does not do to your license.
- 1Dec 28, '12 by GrnTea, BSN, MSN, RNQuote from JacktasticI remember being told once that simply having malpractice insurance, makes you vulnerable as a deep pocket. It's still my precluding fear.
This is the biggest misconception there is about having insurance. It is total nonsense. My dad was an insurance exec for years and insured a lot of hospitals. He made me get insurance the day I graduated and I've had it, in one form or another, ever since. One thing I learned was that if the hospital's insurer has to pay a claim because of something you did, they are perfectly within their legal rights to turn around and recover their loss from YOU, and no amount of verbiage from the hospital about what a nice person you are is going to stop them.
Never, never, never, never go without your own insurance. It will also pay for your own attorney-- do NOT believe for one minute that the hospital's law firm cares about you. They will throw you under the bus in a heartbeat if it saves the hospital's interest, since you do not pay them and as above, the insurer will go after you anyway and they know it. They will also defend you at the BON if needed-- and they will do an excellent job, because they work for YOUR insurance.
- 2Dec 28, '12 by somenurseQuote from shamrokksMost employers carry malpractice on their nurses...you may want to check into it with them. If not you can get a policy for fairly cheap.
A long time ago, i was actually a defendant in a lawsuit. I never met the patient, never got report on the patient, wasn't my patient, but, i did answer the code, and i was working on the floor when the patient committed suicide in a hospital, so my name was included in the patient's family's lawsuit. Their complaint had nothing to do with the code itself, nor how it was run,
but, on the fact the patient was not protected from suicide while in a hospital. It was unknown the patient was suicidal, he was in for a gall bladder removal.
Horribly upsetting for all.
I remember that night clearly, all staff nurses were replaced by other nurses who'd been scraped out the float pool, or called in from home. The hospital top dogs and their LAWYERS all arrived to help us document the event.
Years later, I move to another state, and later, to yet another state. I move a lot. More years and years pass. I think it was about 10 or 15 years later, i am working in the ER in another state,
and some sherriff arrives, says he wants to talk to me, alone. He asks if there is some quiet room we can go to to talk.
He looks rather sick and worried.
Instantly, my heart is racing. My teenagers, are both driving cars now, where are they? My mind is racing, well, they rarely drive out of our own town, and they are not in THIS E.R., so they are dead? Are my kids dead? Is it my dad? Has he had an accident? Is it my sweetie, did he have some heart attack or something? Who is hurt, who is hurt? I have no words to describe to you, the state of absolute terror i had gotten myself into by the time this sherriff and i got to the "quiet room" of the ER, where families whose relatives are dead,
are told their family member is dead.
The sheriff stalls, and stutters around, trying to get his words out. Finally, he says, "You are a defendant in a negligent homicide case by some patient." and hands me the paper work. I was SO RELIEVED my kids are not dead somewhere, i cried out, "That's it? I am being given some paperwork for a court case? OH WONDERFUL!!" and i wanted to hug that guy.
he was baffled at my joyous reaction to being sued, til i explained what *I* had been imagining he'd come to tell me. Made a bunch of legal papers seem not so bad! ha. this sheriff later told me, his wife was a nurse, and it seemed a horrible thing to him, so he was nervous how i'd react to such a paper.
My old hospital payed for my entire trip back, all my expenses, and paid for our lawyer, and it was rather fun to see everyone again, like a re-union,
and we were all amazed at the stories our lawyer, who specializes in DEFENDING nurses (hard to find that kind of lawyer) told us of other cases against nurses that he'd defended. Amazing stories.
We had a jury trial which lasted several days. I had to testify, it was kinda scarey, but, our lawyer had given us tips on how to answer questions, and i had done nothing wrong.
Everyone involved was found to be innocent.
anyway, i was not only found innocent, i was found "not involved"/charges dropped completely, and the judge even admonished them for including me at all.
so most of the time, depending on the way it is worded on employee applications, or BON applications, i can often say no to such questions.Last edit by somenurse on Dec 28, '12