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IARP CONNECT Code of Conduct

  • 1.  Professional Healthcare Liability Insurance by Mercer

    Posted 08-26-2016 10:38

    Recently Cheryl Kaufman raised the following question about coverage for life care planners on a post on the LCP Forum.

    Here's Cheryl's post and the follow-up from IARP's account manager at Mercer

    To the life care planners out there... 

    I have had Professional healthcare liability insurance coverage with Mercer through IARP member benefits. However, Mercer will no longer provide Rehab Professionals/Life care planners with coverage for any claims "based on or arising out of any actuarial act, error or omission." 

    While I am hoping I never need it, I was wondering if you might make a recommendation for an alternate professional liability insurance company that provides coverage for claims arising from errors or omissions. 

    Thanks so much.

    Regards,

    CK 

    Cheryl Kaufman, RN, BSN, CLCP, CNLCP
    CK Medical-Legal Consulting Services, LLC
    cklegalmed@msn.com  

    _________________________________________________________________________________________

    IARP's account manager at Mercer

    From: Ingledue, Heather
    Sent: Thursday, August 18, 2016 12:10 PM
    To: 'Carl Wangman'
    Subject: RE: LCP Forum Post: Professional Healthcare Liability Insurance 

    Carl, 

    I have reviewed in detail the non-direct patient care endorsement that was introduced in 2014 to include coverage for Life Care Planning. This endorsement was created prior to my time with Mercer; however, it was my understanding IARP had a lot of input in the structure of this endorsement 

    Our program is intended to be healthcare focused where we are extending coverage for direct and non-direct patient care, such as life care planning. It is not our intent to cover exposures related to non-healthcare activities such as those of an actuary or economist. While I recognize life care planners may work with actuaries, it is my understanding they do not do the actuarial science or valuations behind the plans. 

    The exclusion states the following:

    “To claims based on or arising out of any actuarial act, error or omission” 

    I did receive a call last evening from Cheryl and will be returning her call this afternoon.

    Regards,

    Heather

    Heather Ingledue, Senior Associate, Relationship Manager
    Mercer Consumer | +1 940 205 7838 | heather.ingledue@mercer.com
    www.mercer.com | Mercer Consumer, a service of Mercer Health & Benefits Administration LLC

    In CA, dba Mercer Health & Benefits Insurance Services LLC | CA Ins. Lic. # 0G39709 | AR Ins. Lic #100102691

    ------------------------------
    Carl Wangman, CAE
    Executive Director
    carlw@tcag.com
    Glenview United States
    ------------------------------


  • 2.  RE: Professional Healthcare Liability Insurance by Mercer

    Posted 08-26-2016 11:13
    Wow, Carl. Penelope

    Caragonne and Associates, LLC

    Mexico Office: 
    79 Calle Hidalgo
    45920 Ajijic, Jalisco
    Mexico

    Fedex or UPS Document Packages:
    Penelope Caragonne, Ph.D.
    Sol y Luna Logistics
    Plaza     Bugambilias #54 Local 4
    #71-388
    Jalisco,     45920 MX  

    US Mail Forwarding:
    Penelope Caragonne, PhD.
    827 Union Pacific Blvd., 071388
    Laredo, TX  78045

    Website: www.caragonne.com
    Email:    Mail@Caragonne.com
    1-866-285-0665   Toll-Free US
    1-214-764-1728   Laredo/Dallas/Ajijic
    1-312-803-2299   Telefax US

    This communication, together with any attachments hereto or links contained herein, is intended for the use of the intended recipient(s) only and may contain information that is confidential or legally protected. If you are not the intended recipient, you are hereby notified that any review, disclosure, copying, dissemination, distribution or use of this communication is STRICTLY PROHIBITED. If you have received this communication in error, please notify the sender immediately by return e-mail message and delete all copies of the original communication, along with any attachments hereto or links herein, from your system.

    On Fri, Aug 26, 2016 at 9:38 AM, Carl Wangman via IARP Connect




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  • 3.  RE: Professional Healthcare Liability Insurance by Mercer

    Posted 08-26-2016 11:32

    So what is the deal…is this company now bailing out after all these years??

     

     

     

    Ronald Smolarski

     

    ron@beaconrehab.com

    www.beaconrehab.com

    (800) 821-8463

     sig

     




    Original Message


  • 4.  RE: Professional Healthcare Liability Insurance by Mercer

    Posted 08-26-2016 11:36

    Absolutely not.  Mercer responded to a detail about coverage.  There is no change.  Mercer will continue to provide coverage as it has for many years.

     

     

     

    Carl A. Wangman, CAE

    Executive Director

    International Association of Rehabilitation Professionals (IARP)

    1926 Waukegan Road, Suite 300

    Glenview IL 60025-1770

    Tel.:888-427-7722 Ext. 3058

    Fax: 847-657-6963

    www.rehabpro.org

     

    IARP Is proudly managed by The Center for Association Growth (TCAG)

    www.tcag.com

     




    Original Message


  • 5.  RE: Professional Healthcare Liability Insurance by Mercer

    Posted 08-26-2016 12:25
    Carl, people are having difficulty with the link on the IARP website for Mercer.  Is it down?

    Sherry
    Sherry A. Latham BSN, RN, 
    CLCP, MSCC, CNLCP
    Oklahoma Medical Legal Consulting Services LLC
    P.O. Box 721943
    Norman, OK  73070
    405-288-0125
    fax:  405-288-0126
    Cell:  405-640-4381



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  • 6.  RE: Professional Healthcare Liability Insurance by Mercer

    Posted 08-26-2016 13:11
    I echo what Carl has said as this has been my understanding since my term as IARP President from 2005-07 when the issue of professional liability coverage for the membership was one of the priorities of my term. This language is consistent with how our policy has always existed. If your scope of practice allows you to work as a RN, Rehabilitation Counselor or related allied health professional member of IARP covered by the policy, your work as a life care planner will be covered.

    If you work as an economist or actuary, however, you need a separate policy that is available from carriers that write such coverage.  Stick to life care planning and you are covered. Stick to your clinical scope of practice and you are covered. Of course, I will defer to our Mercer rep for definitive answers to questions as per what was sent out earlier today, but I see no changes from where I sit.  Our firm has its coverage with Mercer and are covered for what we are qualified to do.  I would also encourage our members to run the policy language by your personal attorney if you wish.

    Bob

    Robert H. Taylor
    4745 Tanglewood Trl
    Boulder, CO 80301-3928
    (928) 713-6833




    Original Message


  • 7.  RE: Professional Healthcare Liability Insurance by Mercer

    Posted 08-26-2016 16:34

    From my quick read of this, should it be an issue that IARP explore?

     

    Betty Overbey, RN, CRRN, CDMS, CCM, CRP, MSCC

    Life Care Planner / Case Management Consultant

    Medical-Rehabilitation Resource Consultants, Inc.

    P.O. Box 3285

    Glen Allen, VA 23058

    (804) 747-8575

    Fax: (804) 747-8625

     




    Original Message


  • 8.  RE: Professional Healthcare Liability Insurance by Mercer

    Posted 08-26-2016 17:50

    I called this company and told them that I belong to AREA and what they do.  These are rehab counselors that also do economic evaluations.  I also requested to know if FCE evaluators are covered and again they said yes.  The insurance agent said that they would cover my insurance.  However Bob said they will not.  Which is it, can someone respond.  Other people have told me that this company does not cover LCP, which again is a concern.

     

     

     

    Ronald Smolarski

     

    ron@beaconrehab.com

    www.beaconrehab.com

    (800) 821-8463

     sig

     




    Original Message


  • 9.  RE: Professional Healthcare Liability Insurance by Mercer

    Posted 08-26-2016 18:00
    Ron, I did not say they would not cover economic evaluations. The language from the Mercer rep in a prior email from Carl is was what I was referring to.  I do not know why some people are concerned about whether life care planning is covered.  I think that was addressed by the Mercer rep in Carl's email.  I do suggest that the question of "economic evaluations" might want to be clarified with Mercer by IARP leadership.   Their reference to "actuaries" etc. defines a totally different kind of expert than what I would expect the IARP policy with Mercer would cover.

    As with anything with regard to insurance coverage, check with your own attorney or call Mercer and pose the specific question you may have.  I do not see any issue if you do life care planning and are qualified to practice as a life care planner. Certification would seem to satisfy that requirement.  If you are not certified in life care planning and practice as a life care planner, you might want to re-visit that.

    Please don't think that I am giving any legal advice. I am not. I am trying to share some of the history here and support what Carl posted earlier.

    Bob

    Robert H. Taylor
    4745 Tanglewood Trl
    Boulder, CO 80301-3928
    (928) 713-6833



    Original Message