Professional Liability Insurance

[AuntC_NC]

Has anyone had to use their professional Liability Insurance to cover legal fees for an attorney to represent you before the BON? How does this work? Is the insurance billed by the attorney or does the RN pay the attorney and then submit claim for reimbursement?

[RiskManager]

The CNA policy, as sold by NSO, provides for up to $ 25,000 reimbursement of legal defenses for a 'licensure defense' action. What usually happens is that the provider pays the legal bills from the attorney, and then submits the bills along with some claim paperwork to the insurance company, who then sends the provider a check. Some attorneys send a monthly bill to the provider and expect payment right then, while other attorneys, who do a lot of this work for CNA, send just one bill at the end of the case to the provider who then submits it to the insurance company, gets a reimbursement check and then pays the legal bill. Especially if you use an attorney recommended by CNA, they are familiar with how the process works, are confident that you will get reimbursed, and are more likely to hold off on insisting on payment until the case is over. It would be unusual for the attorney in a licensure defense action to bill CNA directly; it has to go through the policyholder first who then puts in for reimbursement of the claim.

[AuntC_NC]

Thanks for the info.....my policy is with Proliability adminstered by Mercer