Archive for the ‘Assisted Living Insurance’ Category

Assisted Living Insurance Tips For Protecting Your Patients

Friday, May 13th, 2011

May 13, 2011 | by Crystal ++

Having the right assisted living insurance is critical. But even Sexual Abuse and Molestation coverage will only get you so far. You can do your due diligence when hiring employees, but at the end of the day, you as the owner, are taking a leap of faith with that person. You have the responsibility of protecting your patients, not only your employees but from other patients, and visitors. Here are a few things you can do to minimize risk at your assisted living facility.

Perform Criminal Background Checks On All Employees

Your clients are elderly and many of them may be sick. It is important you know the people to whom you are entrusting their lives. In 2010, a certified nursing patient was sentenced to 60 years in prison for four counts of sexual battery against patients for whom he was responsible. Later, the former director and other executives of the nursing home were reprimanded for not noticing the abuse sooner. Don’t put yourself in this situation. Get background checks for all of your staff.

Perform Criminal Background Checks On All Residents

It is not only employees who can harm your patients but other patients as well. Your residents spend a good amount of time together, so it is important to protect your patients from potentially violent acts, no matter who the attacker is. In 2010, a nursing home came under fire after a patient, who was a convicted sex offender, was found assaulting a female dementia patient. If you allow sex offenders to reside at your nursing home, it is important that all staff members are aware and necessary precautions are taken. Better yet, screen these patients out by conducting background checks.

Review Your Sign-in Procedures For Visitors

It is not feasible to expect a nursing home to run a criminal background check on all visitors. But it is reasonable to expect a nursing home to protect their patients from all visitors. A man in Michigan was recently charged with sexually assaulting a comatose patient in a local nursing home. He was visiting another patient of the home. It is important to not allow visitors to come and go unmonitored. Make sure to keep a list of approved visitors for each patient, require photo ID from all visitors, and only allow visitors access to monitored areas.

Following these tips, along with purchasing Sexual Abuse and Molestation coverage will go a long way in protecting your patients. DO NOT forget to add this extremely important coverage to your assisted living insurance!

**For more information about Assisted Living Insurance contact me at CToney@SouthernStatesInsurance.com or call me at (678) 715-9119.

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Three Reasons To Add Professional Liability To Your Assisted Living Insurance

Friday, May 13th, 2011

May 13, 2011 | by Crystal ++

When it comes to assisted living insurance, Professional liability is NOT the same as General Liability. Professional liability covers mistakes made in regards to the services you perform for your clients. For nursing homes, it will cover medical incidents, also including the dispensing of food and beverages. Here are a few claims that Professional Liability will cover when added to your assisted living insurance policies.

Medication Errors

Nurses at assisted living facilities and nursing homes usually have multiple patients that they care for daily. Each patient will more than likely need different medications at different dosages. If the wrong medicine or wrong dosage is given to a patient, the results can be disastrous.

Unfortunately these mistakes happen daily. Recently a staff member at a nursing home mistakenly gave an Alzheimer’s patient drugs for her central nervous system and heart. This caused her blood pressure to drop, and the patient died three days later.

Food Illness

Older adults are more susceptible to food poisoning because of their weakened immune systems. If you add illness, and/or disease, their immune systems are even weaker and their bodies cannot fight off infectious organisms.

Food poisoning can also lead to dehydration and can cause the development of pressure sores. This is why it is so important to make sure all food is properly stored, and date marked. Staff members should also be aware of any allergies each patient has and prepare food accordingly.

Accidental Patient Injuries

Many of your patients will need assistance getting in and of their bed. Quite a few of them might also be confined to a wheelchair. While lifting a patient multiple times a day, accidents can happen, even when a patient is in the care of the most careful staff member.

Each of these events can spur lawsuits against your assisted living facility. They can occur at any time, some more often than others. Considering that 1.5 million preventable adverse drug events occur every year in the United States alone, professional liability is important to include in your assisted living insurance package.

**For more information about Assisted Living Insurance contact me at CToney@SouthernStatesInsurance.com or call me at (678) 715-9119.

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Three Ways To Minimize Risk At Your Assisted Living Facility

Friday, May 13th, 2011

May 13, 2011 | by Crystal ++

Even if your assisted living insurance portfolio contains Professional Liability, the truth is people make mistakes. Unfortunately, in nursing homes, mistakes can lead to patient injuries, and in the worst case scenario, death. Lawsuits arising from such events can quite simply put you out of business. So it is critical to have a Professional Liability policy. Even so, here are three things you can do to minimize risks associated with running an assisted living facility.

1. Ensure All Nurses Have Proper Training And Licensing

This one may seem like a no brainer. But because of the lack of a national database to keep track of nurses with blemishes on their records, and the increasing need for nursing homes to use temp workers, the number of nurses working without a license, with a suspended license, or with a criminal background is increasing.

It is frighteningly simple for a nurse with a suspended license, criminal background, or one who was fired to be hired by a temporary staffing agency. So, make sure to do your own background checks, even if you are using a temporary staffing firm. It is also important to have a strict training process for all new hires, and continuing training for all employees.

2. Maintain A Sufficient Staff-To-Patient Ratio

Most people know what it is like to be overworked. Employees that are stretched too thin and in a rush tend to make more mistakes. But in the assisted living business, a mistake can cost a life. It is important to make sure you have enough staff to properly care for each patient.

As recently as last year, a large nursing home chain was fighting an under-staffing class action lawsuit. The verdict was for $671 million to be paid to the members of the class. Don’t let this happen to you. Make sure you have plenty of staff to keep things running smoothly.

3. Ensure Patients Have Medical Plans And Up-To-Date Posted Medical Schedules

In assisted living facilities, it is so important for each patient to receive the medical care they need. Nurses and staff members at a nursing home usually have several patients they care for. Therefore, it is important that all patient records be kept up-to-date.

It is also important that their medical plan and medicine schedule be kept in a designated area. Many nursing homes have created a check list for each patient that outlines their medical needs and their medicine schedules.

A nurse’s job can be stressful. They are responsible for the health and well being of several people each day. Therefore, mistakes can be and are made. Besides having Professional Liability in place, these tips should help you minimize risk at your facility.

**For more information about Assisted Living Insurance contact me at CToney@SouthernStatesInsurance.com or call me at (678) 715-9119.

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