May 23

Let’s Get ‘Technical’ With Your Protection

In January 2013, CPH & Associates announced more than 25 new occupations that are eligible for professional liability insurance coverage. Today, we’d like to highlight all our “techies” that we provide protection for:

  •  Behavior Techniciantech
  • Bio-Med Tech
  • Blood Bank Tech
  • Cardiology Tech
  • Clinical Lab Tech
  • Community Health Tech
  • Dialysis Tech
  • EKG/EEG Tech
  • Histology Tech
  • Lab Tech
  • Med. Tech Assistant
  • Medical Record Tech
  • Mental Health Technician
  • Nuclear Med Tech
  • Radiological Tech

In late 2012, Fresenius Medical Care came under scrutiny for putting patients at risk for heart attacks and death from GranuFlo and NaturaLyte, drugs used during their kidney dialysis treatments. Collectively the facility has been accused of over 900 careless deaths. In this particular case, Fresenius is both the facilitator of the treatment AND the manufacturer of the drug, making this a seemingly slam dunk case for attorneys. However, had Fresenius only been the manufacturer, claims attorneys could have had a compelling case that shoddy dialysis technician work was to blame. Had this situation arose, technicians would not have been provided coverage from the medical center and left on their own to battle potentially hefty fines and irreparable career damage.

If you’re an active technician, or looking to get into the field, it is essential you’re covered with professional liability insurance to protect your career! Not sure if you have the right kind of coverage? Check out How To Know If You Have The Right Coverage. CPH and Associates strives to simplify every step of the process from application to filing for claims if the situation arises. We also offer a suite of additional benefits to give you around the clock support! Read the rest of this entry »

May 21

But I Have A Group Insurance Policy At Work? Why Nurses Need An Individual Plan

keepWith the recent boom in the healthcare industry, nurses are now in high demand! According to the Bureau of Labor Statistics, the nursing profession is estimated to grow by as much as 26% over the next few years. In large part, this growth is attributed to our aging population, new technological advancements, and an increased focus on preventative care. However, hospitals and doctor’s offices aren’t going to be the only hiring grounds. Many elderly patients are opting for registered nurses to provide in-home care.

Regardless of your employer, as a registered nurse of any kind it is of the upmost importance to protect your career with professional liability insurance. If working for a facility, it is unlikely their insurance will cover you should an accident arise. It has also been known to happen that if a hospital loses a lawsuit it will in turn sue the nurse to recover damages. Don’t be reliant on an employer, only YOU can protect yourself.

If a liability case arises and you’re not covered, not only are you putting your hard-earned career on the line, but you’ll also be responsible for legal fees and any expenses incurred if there is a trial. Obtaining individual coverage will not only protect YOUR best interest, but also enable you to have coverage no matter where you’re practicing, giving you the peace of mind knowing that you’re covered wherever you go.

CPH & Associates offers nurse malpractice insurance for registered nurses LPN/LVNs, and nurse aides through cphins.com, and for a variety of other nurse occupations through nurseins.com. When it comes to protecting your assets, it is always better to be safe than sorry! Make the investment in yourself for the best coverage you can afford

May 16

Miracle Of The Monthly Massage – How To Lower Your Daily Blood Pressure

massageIn addition to living a heart healthy lifestyle of smart eating and regular exercise, a monthly massage can be a powerful tool to help reduce tension, stress, and ultimately lower your daily blood pressure! Often when we think of massage, a spa-like ambiance comes to mind and usually with it a spa-like price tag. However, Western research studies showing tremendous health-benefits, the practice of using massage to help alleviate medical conditions is growing rapidly.
Therapeutic massage has been proven to boost the immune system, increase blood circulation, soothe pain from chronic conditions, and increase a person’s overall physical and mental well-being. It is linked to improved posture and respiratory circulation as well.

When a person is feeling stressed, the body releases a chemical called Cortisol, a facilitator of hypertension. High levels of this hormone have been linked to weakening immune systems since Cortisol kills cells important for immunity health. Massage counteracts the intensity of Cortisol, reducing your stress levels, and helping to lower the likelihood of catching a cold or illness.

massage1
Studies have also credited massage with alleviating hypertension, which reduces the likelihood of having a heart attack, stroke, or kidney failure. Researchers have stated that applying strategic pressure to the body stimulates the vagus nerve in the brain which controls the regulation of blood pressure. As a result, massage is also a highly effective treatment for headaches. With over 68 million Americans identified with high blood pressure, in addition to the 8% of our adult population walking around undiagnosed, we must as a community educate on preventive practices. To learn more about other preventative measures for battling high blood pressure, see our post from last week [B1] in honor of National High Blood Pressure Awareness Month.

The goal of therapeutic massage is ultimately to help patients relax. A fast-paced lifestyle without proper preventative measures can take a toll on both physical and mental health. The effects of just one massage can result in increased feelings of happiness, alertness, and creativity lasting for a series of days or even weeks. CPH and Associates is proud to provide liability coverage for Allied Health professionals working in the massage industry and who are contributing to a positive impact in the daily lives of many people!


May 13

Honoring The Hospital Field With “National Hospital Week”

Created as an effort to educate society and to promote good will and trust, National Hospital Week was born in Chicago during 1921. Founded by a magazine editor, he suggested sharing information about hospitals would help to alleviate public fears that shrouded the institutions at the time. Today, National Hospital Week, currently sponsored by the American Hospital Association, is one of the nation’s largest healthcare events. Dedicated to celebrating the historical evolution, technological advancements, and devoted professionals that promote an environment of quality care.hosp

CPH and Associates is honored to provide a peace of mind for Mental Health and Allied Professionals, enabling them to stay focused on their patients care and worry-free about their liability coverage. In celebration of National Hospital Week, and in the spirit of educational awareness, we would like to highlight two Allied Health professions we proudly provide coverage for at CPH.

1. Certified Case Manager

Case managers are often also associated with the terms care coordinator or care management. These individuals design and monitor care plans, including coordinating care needs, evaluating patient progress, and measuring outcomes in terms of patient satisfaction.

Offering a wide array of services, case mangers work with individuals and families to cope with difficult or complex medical situations. This includes identifying needs, goals, and available resources to help the patient and/or families achieve a better quality of life. Beyond facilitating care, at times case managers will also advocate on behalf of clients to obtain needed services.

Records indicated there are around 30,000 Board-certified case managers throughout the country. Certification ensures that case managers are skilled, professional, and properly trained. It is also required for case managers looking to specialize in a particular field of care. Case managers work with a wide range of specialties including: occupational services, disabilities, mental health care, long-term care, addictions, child welfare, chronic illnesses, and immigrant/refugee services. Employment is provided through public, nonprofit, and for-profit sectors.

 2. Medical Record Administrator

Medical Record Administrators are a unique contribution to patient care. Most have little to no contact with the patient, but play a crucial role in ensuring high quality care. Fit to be seen as the hospital librarian, MRAs are responsible for collecting a patient’s health records and verifying the information is accurate and complete. Their primary goal is to minimize mistakes, requiring an attuned eye and strong attention to detail. MRAs must assemble all documentation throughout the life of patient care, including visits, treatments, and prescribed medication.

With Electronic Medical Records quickly becoming the preferred method of tracking patient care, this transition places increased responsibility on existing MRAs. It also creates a market need for technologically savvy MRAs, causing experts to believe this will be a rapidly growing profession throughout the next few years to take on converting patient paper-files into a new electronic system. Read the rest of this entry »

May 09

Recognizing “Nursing Home Week” With 3 Tips For Liability Prevention

teamSponsored by the American Health Care Association, this year May 12-18th marks the observance of National Nursing Home Week (NNHW), an initiative to raise awareness and show support for nursing care staff, volunteers, residents, and their family members. This national week of recognition encourages communities to celebrate and promote those that make a positive difference in the lives of residents living under nursing home care.

CPH and Associates is proud to support our Allied Health Professionals who contribute to the betterment of daily living for our aging population. For more information on Nursing Home Week visit them on Facebook.

 3 Tips for Nursing Home Liability Prevention:

1.      Know Your Plan – preventive measures are essential for successfully preventing a liability claim. Establish and maintain a written program for routine housekeeping, maintenance repairs, safety code compliance, and emergency circumstances. Delegate tasks on a daily, weekly, monthly, quarterly, and/or annual basis to ensure all bases are covered.

Examples to include: daily floor inspections for spills or damage, cleanings, and quarterly reapplications of non-slip coatings. Have a routine housekeeping staff with a written cleaning schedule, and an assigned supervisor to inspect their work. For mechanical, electric, and plumbing issues, be sure all staff knows where to find repair service contact information in cases of emergencies. Safety code plans should check alarms, sensors, monitors, and that there are an adequate number of fire extinguishers. A detailed emergency evacuation plan should include procedures for in the event of: fire, disruptive intruders, adverse weather, and power failures.

2.      Put Your Plan To Practice – Throughout the week have scheduled resident safety inspections to ensure proper working order of bathroom facilities, in-room call buttons, and that there are no present hazards for residents. Staff should be trained and well-versed on emergency plan procedures and requested to participate in annual re-certifications. Conduct practice drills at least once per quarter or as required by your local ordinance. Read the rest of this entry »

May 07

Ease The “Pressure” By Celebrating National High Blood Pressure Education Month!

heartAlso known as Hypertension, a national average of 68 million Americans are living with this ‘silent killer,’ making the odds as high as every 1 in 3 adults – yikes! The good news? High blood pressure can be controlled, reduced, and best of all, prevented with proactive measures!

The Center for Disease Control and Prevention officially proclaimed May as National Blood Pressure Awareness Month starting in 1984 with an official motto of: “know your numbers.” Blood pressure readings have two numbers, the systolic pressure (the higher number) and diastolic pressure (the lower number). Ideally your numbers should read around 120 over 80, but usually the lower the pressure, the better. High blood pressure is typically diagnosed when your systolic pressure exceeds 140.

Two of the leading causes of death in the United States, heart attack and stroke, are primarily a result of living with long-term high blood pressure. It also contributes to the onset of other physical impairments including congestive heart failure and kidney disease. In addition to the 68 million recognized patients, about 8% of all U.S. adults have hypertension but have never been diagnosed. The most frequently cited cause is due to the high content of sodium found in processed, packaged, and restaurant food like bread, cold cuts, pizza and poultry being identified as main culprits.

It’s absolutely imperative to have your blood pressure checked regularly, and to live mindfully in order to maintain normal pressure, however if you’re near or above unsafe levels now is always better than later when seeking out professional help to revitalize your health! CPH is proud to support our Allied Health Professionals including nutritionists, dietitians, physicians, and counselors in their mission of bringing better health to their communities!

foodUnlike many diseases, high blood pressure can rapidly decrease when patients are committed to reducing sodium intake. Start today!

Live Heart Healthy:

  • More fresh fruits and vegetables
  • Consciously read nutrition labels and choose lower sodium options
  • Maintain a healthy body weight. Make light exercise a habit.
  • Cook from home to control the amount of sodium put into your meals
  • Inquire about low sodium options at restaurants
  • Reduce or eliminate smoking and/or alcohol consumption

May 02

Better Safe Than Sorry! Why Interns Need Insurance

Taking the first step out of the classroom and into the real-world working environment is a significant achievement along an intern’s chosen career path. Whether it be clinical-study for nursing, therapy, or another Allied Health profession, as the saying goes – an ounce of prevention is worth a pound of cure, and that goes double when facing an intern malpractice lawsuit.

Accidents happen. Even the most careful and observant are bound to make mistakes eventually. However, when it comes to making mistakes regarding diagnosing a person’s health, not having insurance can be risky. It is absolutely vital that both employers and interns are protected, and aware of possible ramifications of declining coverage. When people file for a malpractice suit, they typically list everyone that was in contact with their case including students. If this happens while you are involved with the patient, how will you protect yourself? Intern malpractice coverage is the best safeguard from the financial and professional costs of allegations.

For Interns

Most, if not all of the places you intern with will have their own professional liability insurance, but having your own is a matter of protecting your own interests and your future. A professional liability insurance policy will cover you from expenses generated by legal processes, provide you with an attorney who will be dedicated to defending your interests, and will offer you guidance in the event of a lawsuit.

You wouldn’t want to compromise your career before it even begins! Intern Malpractice Coverage ensures you’re covered while learning, and gives you a peace of mind for the future of your career. At the end of the day, what matters most is that our healthcare providers of tomorrow are trained to be the best they can, and the best way to ensure this is by removing the burden of liability. The cost of professional liability insurance pales in comparison to the cost of defense should you ever encounter a lawsuit. Click here to get a free instant quote from CPH.

If you are an intern/post-master’s AND you are required by your state to complete a number of supervised hours towards a license, you are eligible for the “Intern” rate. If you are currently insured and originally applied under student or trainee status, you must upgrade your policy to reflect your new employment status. After intern hours are completed and you receive the full state license or certification, you may be eligible for the 50% savings off of the first year of your professional rate at the time of your next renewal. This rule is subject to review based on the state you live in.

fill Read the rest of this entry »

Apr 25

Allied Health Liability Insurance: Why It’s Important

allied-healthcare-weekIt is an unfortunate reality of every allied health provider’s career: At some point there could be a mistake or critical error that occurs in administering health care and that could cause problems in the form of a lawsuit. Everyone – audiologist, dietitian, nutritionist, occupational therapist, or speech pathologist/therapist – needs to be aware that liability insurance could save them from a drain on personal finances should a patient file suit, claiming malpractice.

Take Mary for instance. She has been counseling her patients for 25 years. One day she woke up not feeling well, but had a stacked day and couldn’t just skip out on going to the office. She needed to be there for her clients, but her head felt so fuzzy. She arrived to the office and got through her first two client meetings and headed into the third. She so just wanted to go home and curl up in bed but she continued pushing on.

This client was always a bit of a headache to deal with, the session moved on and the client today seemed extra hostile. He began saying very hurtful things to her, 30 minutes into the session she had had enough. She stood up and told her client what was on her mind. Unfortunately words were exchanged and before she knew it, she had said some things to her client that were inappropriate. Two weeks later she received a letter from an attorney that a lawsuit had been filed against her.

Luckily, she had a professional liability insurance policy with CPH & Associates. She immediately called and went through the process of getting an attorney and legal advice on how to proceed. It wasn’t a pleasant day for her, but she was happy she had protection.

If you are sued, you need to ask whether you can afford a defense attorney and, worse, if you are able to pay restitution.

Professional liability coverage for the allied healthcare provider is important to protect you from errors or omissions – after all, you are human and no matter how careful you are, mistakes could occur. Professional liability insurance, known as errors and omissions insurance, will act to protect you and your assets. A professional liability insurance policy can be designed to fit your needs and help you to save money at the same time. Most of all, it can gain you peace of mind. Read the rest of this entry »

Apr 24

3 Ways To Celebrate Your Administrative Staff

Administrative StaffWednesday, April 24th, is Administrative Professionals Day, set aside to recognize the work of secretaries, administrative assistants, receptionists, and other administrative support professionals.

The idea for the day began in 1952 with Mary Barrett, president of the National Secretaries Association, now called IAAP (International Association of Administrative Professionals), and C. King Woodbridge, president of Dictaphone Corporation. Both served on a council addressing a national shortage of skilled office workers.

In 1955, the observance date of National Secretaries Week was moved to the last full week of April. The name was changed to Professional Secretaries Week in 1981, and became Administrative Professionals Week in 2000 to encompass the expanding responsibilities and wide-ranging job titles of administrative support staff.

The IAAP created National Secretaries Week (now Administrative Professionals Week) with two objectives in mind: to recognize “the secretary, upon whose skills, loyalty, and efficiency the functions of business and government offices depend,” and to call attention “through favorable publicity, to the tremendous potential of the secretarial career.” Today, it is one of the largest workplace observances and is celebrated worldwide through community events, social gatherings, and individual corporate activities.

For the people who enhance your workplace and provide valuable support and expertise, here are three ways to show your appreciation:

1. Take them out to a nice restaurant for lunch

2. Let them take off half the day or leave in the early afternoon

3. Give them a gift they will love, such as an American Express gift card or another or a gift card to their favorite store.

It’s important to recognize those people who help you and your business in countless ways. Don’t forget about these valuable personnel during Administrative Professionals Day on April 24.

Apr 18

Add A Little Humor To Your Life in Lieu of Humor Month

LaughterLaughing off your troubles is one of the best medicines, and what better time to battle the blues than during National Humor Month?

When is National Humor Month, you ask? Well, you’re in it. So if you’re thinking of eating the rest of those chocolate Easter eggs as a way to feel good about yourself – or if you’re planning a long jog to release those endorphins to put you in a better mood – don’t forget to also turn on the comedy during the month of April. Laughing, it turns out, gives you immediate results on the “feel good” meter.

National Humor Month was founded in 1976 by author and humorist Larry Wilde, with the intent of heightening public awareness of the therapeutic and restorative values of joy and laughter. Studies show that laughter improves health. It changes us physiologically, boosting the heart rate, increasing blood flow and delivering oxygen to the body’s tissues. And there’s more good news: We actually burn calories while we laugh!

Here’s more benefits derived from the power of laughter:

  • It reduces stress
  • Can reduce pain
  • Strengthens the immune system.
  • Helps the heart
  • Can act to relax the body

So go ahead and have yourself a giggle; watch funny videos, read a funny story or play a funny trick on someone. And if you’re starting to feel it, pull out all the stops and treat yourself to a belly laugh. By allowing yourself to laugh and have fun, you’re not only re-energizing your system, but your life. And that’s a lot to laugh about.

Older posts «