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dragonfire123

dragonfire123

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dragonfire123's Latest Activity

  1. dragonfire123

    Pros and cons of nursing insurance

    Thanks for the feedback and linked articles/discussions. Very helpful -- I feel I made a wise decision in getting malpractice insurance based on what I've read and what others have recommended (including a few notable colleagues and attorney friends), but I remain doubtful I will convince my spouse.
  2. dragonfire123

    Pros and cons of nursing insurance

    I have been working as an RN for a few years now, and in that time I have always held nursing insurance, discounted through my membership with my state nursing association. However, most of my coworkers are uninsured and question why I even have it. They say that I would be covered under my facility's nursing insurance and lawyer in the event of a malpractice suit involving me and that having insurance puts me at greater risk of getting sued, should be uncovered that I am insured. Funnily enough, my spouse (also a nurse) also feels the same way -- that I am spending money needlessly and putting us both at risk. I have kept the insurance because I was always under the impression that should I ever be involved in a case, my employer would protect me but its lawyers would always be primarily concerned with protecting the facility (not me) and that my license would be at risk (with the board of nursing), should my license be called into question. While I feel I am a safe and thoughtful nurse, I have held the insurance to afford me some peace of mind. I don't see $100 a year as a needless expense and I am inclined to think that the notion of me being 'more' at risk of getting sued for personal assets is more of a myth. Any thoughts and opinions (informed by experience) would be greatly appreciated. Thanks.