Malpractice Insurance, Yea or Nay? - page 2
Our nursing school has been encouraging us to get malpractice insurance before we start clinical in Jan. I don't think this is a reflection of our class, hehe :) , but rather the opinion of the... Read More
Dec 8, '02Occupation: Registered Nurse From: US ; Joined: Nov '99; Posts: 829; Likes: 166I vote yes fortoo. I have mine through NSO as well, and it's less than $100/year. You should do it to protect yourself, just in case. No one else is going to care about your license but you.
Dec 8, '02Occupation: RN-i (RETIRED) Specialty: ORTHOPAEDICS-CERTIFIED SINCE 89 ; From: US ; Joined: May '00; Posts: 14,479; Likes: 2,298Always had it, always will.
Dec 8, '02Occupation: RN Joined: Apr '01; Posts: 141; Likes: 4Ditto....
Nurses Service Organization....
Ridiculously affordable; that is, compared to what doctors are paying these days...
Dec 8, '02Occupation: Utilization Review, prior Intake Mgr Home Care Specialty: 40 year(s) of experience in Home Care, Vents, Telemetry, Home infusion ; From: PA, US ; Joined: Oct '00; Posts: 27,546; Likes: 13,751Check out:
Malpractice: A Step-by-Step Guide to Understanding the Process, Part 1, By Colleen Lindell, RN, MHSA, CLNC:
"Because you're human and work in a stressful, complex, and ever-changing environment, you can't rule out the possibility that you'll be involved in a malpractice case. In this article, I'll lead you through the legal process and provide practical tips if you're called to testify in a malpractice trial. But first, let's review some prevention tips and techniques and define our terms."
http://www2.nurses.com/content/news/...ature+ArticlesLast edit by NRSKarenRN on Dec 8, '02
Dec 8, '02From: NY, US ; Joined: May '02; Posts: 4,130; Likes: 91Originally posted by traumaRUs
I have always had and get it through the Nurses Service Organization - advertised highly in the journals. Have never had any luck finding anyone else that offers it. Currently, it runs about $92/year.
Dec 9, '02Occupation: RN Joined: Aug '01; Posts: 2,276; Likes: 42Originally posted by Anaclaire
By the way, some hospitals will tell you they carry a malpractice policy for you... don't trust it to be a good one that will offer great protection... after all, when it comes down to it in the end, the hospital is going to cover their hiney first, the physicians, second and you last...
Get your own!!!
I wouldn't trust my facility to back me up for anything. Whatever happens, it is always nursing's fault. CYA!! My motto for my whole nursing career!!
Dec 9, '02Joined: Oct '00; Posts: 8,729; Likes: 8,411I have it, and I don't tell anyone, and I plan on not talking to anyone about an incident until I talk to my own lawyer, not the hospital's lawyer...no one.
Dec 9, '02Occupation: Nursing student Joined: Nov '02; Posts: 389; Likes: 10Malpractice insurance is like life insurance...you don't look forward to using it, but it's nice to know it's there.
I agree with the 'get your own' school of thought; most hospitals carry some sort of umbrella policy for their employees, but if push comes to shove, you really want your OWN lawyer working for you. Not one that is also trying to protect the hospital or the physician. Having your own malpractice insurance doesn't make you more likely to be sued--in fact, it may have the opposite effect, since most insurance companies don't take kindly to frivolous legal action.
When I was still thinking about medical school, a family friend told me that after 10 years in practise, the litigation rate for OB/GYN doctors is 100%--this means that at the ten year mark, EVERY SINGLE OB/GYN in practise will have been sued. Why? Well, eventually, you birth a baby with CP or Down's or whatever and the parents can't handle it, so they sue you in order to assuage their grief. It has NOTHING to do with your level of competence.