Malpractice insurance?

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Specializes in LTAC.

I am a newer grad and working in an LTAC facility, and want to get some kind of . But I am lost on where to go to get it? Any advice? Thank,you!!

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NSO. They have really low rates for new grads...like $50 for the first year.

Enjoy your job!

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Specializes in Urology, ENT.

i just got one with Marsh. I'm not with the ANA, and I paid $80.

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Specializes in retired LTC.

NSO - used by many.

As for , just to paraphrase that old American Express commercial --- " don't work without it!"

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I carry NSO but the facility I work at doesn't know. Remember, If you have deep pockets, you are a target. Many nurses I know don't carry insurance since to hospital covers them.

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Specializes in OR, Nursing Professional Development.
Many nurses I know don't carry insurance since to hospital covers them.

Except the lawyers are looking out for the hospital's interest and not the nurse's. having your own gets you someone looking out only for you. I wouldn't trust any hospital who tells me I don't need my own.

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I dont care if a hospital covers me or not. I will always carry my own . I use NSO.

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I carry NSO but the facility I work at doesn't know. Remember, If you have deep pockets, you are a target. Many nurses I know don't carry insurance since to hospital covers them.

Not so. If you type "" into the window at the top of this page, you'll get a number of links to previous threads on this, and some to companies that sell it. I've had NSO for decades.

https://allnurses.com/general-nursing...es-583077.html

Some folks will say that they have heard that only people with insurance get sued, under the "deep pockets" theory of litigation, or that the hospital's insurance will cover you for nursing malpractice. Neither is true. Problem is that if your hospital has a judgment against them for something you did, they don't pay it, their insurance carrier pays it. And then, no matter what the hospital promises you, the insurance carrier is entitled by law to recover their losses...from you. My dad wrote insurance on hospitals for years and told me never, never, never go "bare" (without my own insurance) unless I was perfectly comfortable living under a bridge, with no real estate, no money, and no car.

Yeah, I know, there are laws protecting some assets under bankruptcy. But they could garnish your wages more or less in perpetuity, and that wreaks hell with your credit rating. You wanna deal c that? Not I, since decent malpractice insurance is good for short money.

Make sure the policy you buy is clear to you: Does it cover you only while it's in force (while you're still paying for it), or does it cover you for things that happened while you were paying for it in the past, even if you aren't working now and don't think you need insurance? Be sure it pays for your own lawyer, too, or supplies one to defend you (never, never rely on the hospital's lawyer to defend you-- conflict of interest there; they do not have your best interests at heart no matter what they say).

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