Professional liability insurance also known as professional Indemnity Insurance provides cover to physicians or nurses against claims on potential negligence made by their clients or patients. In the medical profession, this insurance takes the form of Medical Malpractice. Liability Insurance on the other hand only aims at covering bodily injury, damage to property, personal injury or advertising injury claim. Professional services such as those offered by physicians may cause claim without evidence of bodily injury, advertising injury, property damage or personal injury. Instead claims are made on grounds of negligence, inaccurate advice, misrepresentation, violation of fair dealing or good faith which would fail to trigger the general liability policy (Brooks, 2007, p.51).
To explain further, Professional liability policies are set up on the basis of claims made which are related to incidents that occur before the activeness of the coverage. There is therefore a great need to continue coverage as termination would in effect create the notion that there was no previous coverage on any incidents (B rooks, 2007, 63).
The basic reason for seeking a professional liability insurance cover would be to protect ones liability in the event of being sued for actions taken or neglected to take which occur in form of accidents and errors that may result in harm or loss on the part of the client. Such a policy covers legal charges which are an expensive undertaking as well as compensation that may arise as a result of being found guilty.
Another reason would be the risk covered by it. This policy takes coverage of the risk of exposure to liability which is goes beyond that of liability insurance (Brooks, 2007, p.72). Loss of important documents or data as well as libel or slander can also be covered under this policy.
In my opinion, the right time to ask about Professional Liability Insurance coverage is the day I am hired, that is, the day I am eligible for my salary and not the day I am paid my salary. I would also ask about this when I am responsible for a particular work whose insurance may be best covered by this policy so as to avoid any liabilities that may occur knowingly or unknowingly.
The questions to be asked would include: Do you have any insurance cover for both employees and clients in the clinic? If yes, which are these policies? What is the extent, in terms of risks, of their coverage? Are they general, that is, do they cover everyone or are they specific, covering only specific professionals? Are employees allowed to take up other insurance covers incase they are not covered fully by the available insurance policies When does a person start to be covered by the said policies? Under what circumstances would the insurance policy be terminated? These queries would best be directed towards the employer (Books, 2007, pp.76-82).
Provided that the employer is unable to give such information, I would proceed to get information from the lawyer representing the clinic or the clinic’s insurance broker. Where the interviewee confirms the clinic is well covered by the liability insurance and that one is allowed to seek another insurance policy, I would opt to purchase the Professional Liability Insurance as the Liability Insurance is conditioned to cover only bodily injury, damage to property or advertising injury claim. On the other hand, Professional Liability Insurance covers claims which may not cause bodily injury. It also covers legal expenses accruing from charges pressed on claims made for errors and omissions.
Chemical Dependency is a word used interchangeably with terms such as alcoholism, addiction, substance abuse, drug addiction or substance dependence. It is a primary illness which is characterized by addiction to mood altering chemicals (Di Nitto and Mc Neece, 2000, p.12). Chemically dependent persons may be continuously drawn to the use of these substances. First of all, I would seek information regarding signs and symptoms of chemical dependency to verify my assumptions on the colleague; I would then seek information to help the colleague discretely and effectively. Personal responsibility refers to an obligation to oneself (Mc Neece, 2000, p.44). The individual duty of ensuring good behavior and character irrespective of background or the kind of conditioning one receives. It is accepting personal accountability for actions occurring in a person’s life. My personal responsibility is to help out both my colleague and the patient to avoid future blame and ensure that the situation is controlled and that everything goes back to normal. Since I found out about the situation I stand accountable for actions that may occur after hence my responsibility to control the situation.
My responsibility to my colleague is to ensure that he or she gets help. Following the information researched, I would inform my colleague of the impact of chemical dependency on him and the job environment as well. I would then advice him or her to seek professional evaluation and recommend appropriate treatment. This would be followed by requesting them to take provisions available such as sick leave or unpaid leave to find adequate time to address the problem.
My responsibility to the patients is to ensure that they obtain proper services for their health and well being (Di Nitto and Mc Neece, 2000, pp.53-55). To ensure that this is achieved, I would step in to help my colleague regarding the patient he or she is attending to ad subsequently notify the administration so that my colleague’s duties may be assigned elsewhere while he or she seeks help.
Personal liability refers to the obligation for which an individual is responsible and which compensation may be satisfied by his or her assets. In this situation, I have no personal liability as I do not own the property where the clinic is based as personal liability covers damages as a result of occurrences on one’s property. Secondly, my actions are not negligible to act as reasons for personal liability.
I have not signed an organ donation card because; of fear of match failures of organs or tissues donated; fear of physical exploitation as a result of negligence from the medical practitioners and financial exploitation from payments received from donations made; health conditions such as fear of being disfigured or suffering from long-term illnesses; ignorance on basic information as pertains to organ donation and age concerns (Beasley, 1998, p.20). There is a great possibility that I would change my mind following the enlightenment that; anyone can donate irrespective of their age; it is a fast and simple process; organs or tissues from a single donor can be of benefit to more than 40 people on the waiting list; donations made would be used to save individuals on the waiting list rather than the rich who are able to part with large sums of money to save their relations (Beasley, 1998, p.38).
Several approaches can be adopted by the government to address the shortage of organs needed for transplant. These include;
Monetary incentives for signing up to be a donor. Since most people withdraw based on it being on a voluntary basis, providing such incentives would go a long way in addressing this shortage.
Social incentive programs that ensure members sign a legal agreement to direct their organs to those on the transplant waiting list would also curb this shortfall.
Another mechanism is to ensure that the burden of donation decision is removed from the next of kin. Primary consent laws and donor registries would effectively address this.
The screening of patients before deaths should be encouraged especially where individual’s survival for a while is affected in one way or another by factors such as accidents. Potential donors would be identified while recipients would be given organ preserving drugs to keep their organs viable till the suitability of transplants is determined. This would reduce loss of organs that would be of benefit to recipient (Beasley, 1998, p.42).
Verbal abuse, just like assault and battery can be very disheartening. It is a major cause of high employee turnover, low productivity and lack of teamwork at the workplace. It takes various forms ranging from being ignored or curt with a person, sarcastic remarks, ones performance being talked about publicly to being blamed frequently for mishaps that are evident (Keashly, 1996, p.28).
Verbal abuse may occur as a result of my behavior. The first step is to check myself so as to have a deeper insight and degree of my self honesty. I may be lazy or ineffective hence may be the cause of propagating the situation. Where I am able to verify that I am not the cause, I would speak to the other person about their behavior and its subsequent impact on my performance. To some extent, these behaviors may occur as a result of lack of boundaries from my end, thus, I would set up limits for them to respect. Calling on their verbal behavior at instances where it is vivid is another mechanism that I would use. For example, just when someone has a rolled their eyes, I would ask them how that behavior would contribute to the attainment of their personal or institutional goals.
Incase this behavior continues,
I would opt to file a formal complaint with a Human Resource Professional of the company to take appropriate action. If it does not stop due to factors such as dealing with a person from a high position, I would keep a journal of abuses which would incorporate the time, words used and witnesses present to act as evidence in a court of law (Keashly, 1996, p. 74).
I have chosen New York City as my study area. I am interested in the Registered Nurse’s job and the main employers include; Mt. Sinai hospital, St. Luke’s Roosevelt Hospital and Bellevue Hospital.
I would however choose to work at Mt. Sinai Hospital as it provides opportunities to grow by conducting frequent seminars and workshops for nurses on different aspects which are based on current information. Secondly, the hospital introduced a ‘cultivating caring community’ initiative which works towards helping nurses work better as it integrates basic communication skills to workers as well as patients.
Lastly it offers a supportive and friendly working environment whereby nurses are able to get information from the available staff members who are friendly and ready to offer such information (Paul and Richard, 1997, p.95).
The salary benefits are also welcoming in this institution with ranges between $60,0000and $90,000 dollars as compared to Roosevelt and Bellevue whose salaries range from $50000 to $75000.
Beasley, C. et.al. (1998). Demystifying Organ Donation: a world view. New York: Routledge.
Brooks, S. (2007).The Impact of Medical Professional Liability on Access to Care. Oxford: Oxford University Press.
Di Nitto, D., Mc Neece, A. (2000). A Systems Approach of Chemical Dependency. London: Darton.
Keashley, L. (1996). The Conceptual and Empirical Evidence on Verbal abuse. USA: Sage.
Paul, W., Richard, M. (1997).The Viability of Nursing in American Hospitals. New York: McGraw Hill.
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