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Long term care and Malpractice Insurance

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Can you please explain when you feel a long term care facility should get malpractice insurance and what the indications might be for such?

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https://brainmass.com/law/history-and-philosophy-of-law/long-term-care-malpractice-insurance-33373

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Please see attached.

1. "Can you please explain when you feel a long term care facility should get malpractice insurance..."

Medical malpractice insurance is a must for anyone involved in providing health care, including long term care facilities. There's no doubt about it - the number of malpractice lawsuits is rising in epidemic proportions (one reliable indicator). Health care facilities and health care professionals must take the proper precautions to minimize risk and to protect their livelihood.
(http://www.camedicalmalpractice.net/).

In fact, in the "Suggested Minimal Guidelines for Nursing Homes or Other Long-Term Care Facilities" by L D H P Medical Review Services Corporation (Submitted December, 1999), one of the guidelines is for the long term care facility is to have malpractice insurance. Therefore, this too is a good indicator that malpractice insurance is necessary.

See http://www.iii.org/media/hottopics/insurance/medicalmal/ for further information on this topic.

2. "...what the indications might be for such?"

One reliable indicator is that the number of cases of malpractice lawsuits are on the rise. For example, see URL: http://www.floridamalpractice.com/cases-nursinghomes.htm for various malpractice suite files against nursing homes also attached for convenience).

Second, as mentioned above, since malpractice insurance is a recommended guideline for Nursing Homes or Other Long-Term facilities (i.e., in the "Suggested Minimal Guidelines for Nursing Homes or Other Long-Term Care Facilities" by L D H P Medical Review Services Corporation (Submitted December, 1999). Therefore, this too is a good indicator that malpractice insurance is necessary.

Third the increased risk factors due to elder abuse laws and the greater variety of more recent lawsuits brought against long-term facilities are two good indicators: For a fuller explanation read the following article:

The Insurance Crisis for Long Term Care Facilities

By Ira M. Gottlieb
Introduction
Obtaining affordable liability insurance policies for long-term care facilities (Skilled Nursing Facilities, or "SNFs") was once an easy task to accomplish. In the past the market for such insurance was marked by its sleepiness and by the simplicity of the basic information needed to write coverage for multiple perils at SNFs. But today, those times are a distant memory for the long-term care ...

Solution Summary

This solution explains when a long term care facility should get malpractice insurance and what the indications might be for such. Supplemented with examples of malpractices cases.

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