Published
I was always told not to get my own policy, since people can't take what isn't there (and I have no assets- lol), unless I worked for myself....
Not having a lot of money or assets won't keep someone from suing you. But not having any protection can ruin your financial situation further. Just in legal fees alone.
I've been sued- and it was hell. But there was nothing they could get (maybe my card table - LOL)....they also sued the administrator, DON, and weekend day nurse (this from a granddaughter that never made a peep until granny was dead from renal failure that the rest of the family had decided to not pursue with dialysis....it was settled- I was ready for court).
Since all was conducted within the facility policies, the company took care of the legal bills.
It was more emotionally draining than any insurance could take care of- but if people want to get it, it's not going to do damage- just give the complaintant more money. :)
It's not going to hurt to have it- just saying what I had been told from day one :)
For me, I don't need it...been disabled for 7 years. I keep my license mostly for my own reasons to not have to say I WAS a nurse... worked to hard to give it away -- plus I've become my own full time jobs !!
I hear ya!
I don't carry it anymore either, I do case management and the way I am going I am rapidly becoming my own full time job, too...the trouble is, I can't afford to pay myself!!!
Also, you need to consider legal representation in front of the BON - this is usually covered by your private malpractice. If you are named in a lawsuit and it is settled on your behalf, it WILL BE reported to the BON. Then, when (if) you get contacted for an investigation, you need your OWN attorney. The malpractice coverage from your employer does not cover this aspect of a lawsuit.
Plus, when you appear before the BON, you wan an administrative law attorney, not a malpractice attorney. They are two different types of lawyers.
NinetyNine
22 Posts
What are your thoughts on malpractice insurance? Even if covered under your employer, do you still carry your own?