10 most surprising things from the nurse's claim report

10 Surprising Facts from the Nurses Claim Report 

In the Nurses Claim Report, NSO and CNA review and analyze malpractice and licensing claims to help nursing professionals understand their areas of greatest vulnerability.  Included within the report are CNA’s loss control recommendations on how to avoid what can be a very stressful experience. 

Over $90.3 million was paid for malpractice claims over a 5-year period by CNA, the underwriter of the NSO Nurses Professional Liability Program.  Another $5.1 million was paid to help defend over 1,300 license complaints over the same period. 

Armed with the knowledge gained from the Report, nurses can reduce their risks of potential litigation and take steps to help improve patient outcomes.   Here are the top 10 findings from the report: 
  1. Nurse malpractice claim costs are significant.  The average cost of a registered nurses’ malpractice claim is $201,916.   
  2. Death remains the most common patient injury that results in a lawsuit.  It accounts for 44.3% all malpractice claims against nurses. 
  3. The majority (58.8%) of claims resolved for less than $100,000.  Just 3.1% of nurses’ malpractice claims paid the full policy limits of $1 million.  
  4. Comas resulted in the highest severity among patient injury claims, averaging $620,833.  They were often due to medication errors.  The high cost reflects the need for lifelong medical care. 
  5. Med/surgical is the most frequently sued nursing specialty (36.1%), followed by gerontology (16.4%) and home health/hospice (12.4%).    
  6. Allegations related to treatment and care continue to represent the highest percentage (45.9%) of all malpractice claims asserted against nurses. 
  7. Lawsuits against nurses due to medication errors were reduced by nearly half, while the claim cost almost doubled since the last 5-year study. 
  8. The number of license defense paid claims increased by 15.4% since the last study in 2010.  The average cost to hire an attorney to defend a nurse before the state licensing board increased by 18.9% to $3,988 during the same period. 
  9. Unprofessional conduct resulted in the majority of license complaints (24.2%) made against RNs.  The majority of complaints against LPN/LVNs involved medication errors. 
  10. Experience as a nurse does not equate to less risk of malpractice claims.  The majority of nurses (85%) who experienced a malpractice claim had been in practice at least 16 years. 
Topics:

#Claim #Nurses #Records #Safety


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Frequently Asked Questions

You have questions. We have answers. (It's why we're here.)



What kinds of activities might trigger a disciplinary action by a licensing board or regulatory agency? 


The fact is anyone can file a complaint against you with the state board for any reason—even your own employer—and it doesn’t have to be solely connected to your professional duties. All complaints need to be taken seriously, no matter how trivial or unfounded they may appear. 


How does a shared limit policy work?


A shared limit policy is issued in the name of your professional business or company. The policy provides professional liability insurance coverage for the business entity named on the certificate of insurance and any of the employees of the business entity, provided they are a ratable profession within our program. Coverage is also provided for locum tenens professionals with whom the business entity has contracted for services the locum tenens performs for the business entity.

The business, and all eligible employees and sub-contractors you regularly employ, will be considered when determining your practice’s premium calculation and share the same coverage limits you select for the business.


We have a shared limit policy. Are employees covered if they practice outside our office?


The policy covers your employees outside the office as long as they are performing covered professional services on behalf of your business.

If your employees are moonlighting, either for pay or as a volunteer, they should carry an individual professional liability insurance policy to cover those services. Otherwise, they might not be covered for claims that arise out of these activities.



There are plenty more where those came from.


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