kanling

Proliability policy documents Proliability

Maybe I'm stupid, but it seems to me that if I don't like my salary or work environment... then I quit and go somewhere else. Adding union employee salaries and the new salaries for the extra employer management that is then needed doesn't magically release free money.

GBMC hospital recently started only hiring nurses with BSN degrees.

Here are the coverage details for the three companies when I was looking for insurance for Maryland recently. The link in Caffein's post above has explanations for some of the terminology. NSO/HPSO (CNA) Type of coverage: Occurrence1 mil/6 mil: $1081 mil/3 mil: $104500k/2.5 mil: $90(prices include annual membership fee)Defendant & Lost wages coverage: 25k limitLicense defense protection: 10k/25k (capped at $500/hearing)Assault protection: 10k/25kProperty damage: 500/10kDeposition representation: 10kMARSH/PROLIABILITY/CPH Type of coverage: ??1 mil/6 mil: $982 mil/4 mil: $114Defendant & Lost wages coverage: 10k limitLicense defense protection: 10k/25kAssault protection: 10k/25k (includes 10k property damage)Deposition representation: 5kCMFGROUP (AIG) Type of coverage: Occurrence1 mil/6 mil: $992 mil/4 mil: $114500k/1 mil: $58Defendant & Lost wages coverage: 5k limitLicense defense protection (administrative hearings): 5kAssault protection: 5kProperty damage: ?Deposition representation: 2500

Most nurses seem to use NSO without much thought. I couldn't stand to not know what the other options are, so I did some research. I found that there are really only three widely-available companies that sell liability insurance for nurses. The first post of this thread has a lot of links that turn out to be different names for the same insurance policies. NSO/HPSO are the same (CNA Insurance). Marsh, Proliability, and CPH are the same. Then there is CMF Group. It turns out that they are all pretty similar in price and coverage. All of them give very quick online price quotes and you can get coverage instantly online with a credit card. NSO is slightly more expensive than the others (and has a $2 nonsense membership fee to boot). The NSO policy is written with a lot of legalese but is very comprehensive. You can't pick your own lawyer if you have to go to a deposition and the $500 cap for a license hearing seems low. NSO does not offer a high-limit $2 million per incident/$4 million total policy like the other two. Marsh doesn't have any policy documents available online before purchase, so I don't have any particular comments. Marsh does offer a 10% discount for nurses working in a magnet hospital or for having certain certifications. CMF Group has a low-cost $500k per incident/$1 million total policy option that would be a good choice for younger nurses without many assets to protect. The insurance also includes a personal liability component which is good if you don't have homeowner's or renter's insurance. CMF has smaller limits on extra coverages (coverages beyond basic liability) than the other two companies.

Those downtown neighborhoods will be expensive. You can hunt online to find out how much. You might consider an apartment in Owings Mills or Pikesville for a year until you get familiar with the city. Baltimore's only subway line goes out there directly from Hopkins and there are a lot of apartment complexes.

I have been wondering for years how I get junk mail from people who know that I'm a nurse. And how it kept following me even when I moved. The only thing that made sense was that the mailers were getting the data directly from the MBON. But I couldn't believe that a Maryland State agency would be releasing personal data. I was wrong! And I didn't even have to call. The MBON is selling mailing list data on their own web site! This is completely outrageous in my opinion. http://www.mbon.org/main.php?v=norm&p=0&c=services/labels.html I hope I can at least call and get them to remove my name from the sales list. Don't they have to have a privacy policy? Don't they collect enough in fees from nurses? Am I just crazy that I am annoyed by this?

Sounds like a few trips might be in order to get familiar with the area. Where will your fiancee be working?

First the bad news: Maryland and Delaware don't have any kind of agreement on taxes. If you are a resident of Delaware and work in Maryland, you will have to do a tax return for both states. You will have to do a Maryland return for your income in Maryland using the non-resident form here: http://individuals.marylandtaxes.com/taxforms/07forms.asp and Maryland will screw you with a higher tax rate on that income than they would if you lived in Maryland. (Totally unfair since you are using less services- but that is typical Maryland style.) More information here: http://individuals.marylandtaxes.com/incometax/nrinsidemd.asp Now the good news: If you also have to file a Delaware income tax return because of additional Delaware income (or for whatever reason), you should be able to take a direct credit for the Maryland taxes you paid. So, you aren't really getting double taxed, you are just getting taxed at the higher of either Delaware or Maryland. (If that makes you feel any better.)

Sweet indeed. I'm surprised O'Malley hasn't started ending the tax reciprocity agreement with those states. But you have a slight mistake. Delaware is not on the list. Virginia is. And Delaware is a big exception. If you live in Delaware and work in Maryland, you will have to file a Maryland tax return on that income. And the worst part is, the Maryland income tax rate is actually higher for out-of-state residents than it is for in-state residents. A real scam... but it is Maryland after all.

That's what I expected, unfortunately. I don't know anything about PRMC. I guess I'll look into it. I assume it is also small and maybe not quite the place to gain experience. Vania, no I didn't go to Towson. I used to live in Montgomery county before I started at gbmc.

I work near Hunt Valley and a coworker once told me that High View was a ripoff. Something about low-quality construction and unhappy residents. I don't recall the details. You always have to be very careful when buying a condo... especially in this declining market.

I now have about two years experience at a good Baltimore area hospital (GBMC). I'm thinking about moving to Delaware, but I want to continue at a larger sophisticated hospital for a few more years to build up my experience. I know Christiana hospital, DuPont, Wilmington would be good in that respect... but what about the hospitals in Kent or Sussex county? Are they too small to meet my needs? Kent General, Beebe, Milford, Nanticoke... maybe there are others. (Are there any in Salisbury MD or accessible locations like that that may also be options?)

What makes you pick Mercy in Baltimore? Are you somehow limited to this area or could you go anywhere? I realize you are in Australia. I don't know where you live there, but my guess would be that living in downtown Baltimore would be a mistake for you. You should carefully research before committing.

Baltimore gets crazier. Last week there was yet another beating on a bus and I just heard on the radio that there was a stabbing on a bus a day or two ago. So I guess the rule is to stay off the bus if you live or work in Baltimore. If Hopkins were to somehow pick up and move, Baltimore would be in big trouble.