Physicians Malpractice

June 30, 2010 by · Leave a Comment
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physicians malpractice

Lawyer Najdovski Urges: “Research Your Physician Or Surgeon”

The Najdovski Law Firm PLLC urges patients to research the qualifications and experience of the physician or surgeon when important and possibly life-altering treatment is planned, before making a decision. It is not uncommon that on complicated or specialized treatment such as cancer treatment or birth defect or birth injury cases for the patients to obtain a second and at times a third opinion from a doctor specializing in that field. Having worked on many medical malpractice cases, attorney Najdovski is familiar with the terrible consequences of using a bad doctor. To avoid medical malpractice, attorney Najdovski strongly urges New Yorkers to take advantage of several websites that provide information on New York State doctors.

In this day of abundant information on the web, it is in a patient’s best interest to thoroughly research his or her physician. A great place to begin is the several websites that provide information about New York State doctors. For instance, the New York State Physician Profile is a convenient way to research your physician: nydoctorprofile.com The New York State Physician Profile was created after former Governor George Pataki signed the New York Patient Health Information and Quality Improvement Act of 2000 (find a link) to make it possible for residents of New York to get information about doctors.

Attorney Najdovski would like patients to know that certain information is required to be available on all physicians, so it is in the patient’s best interest to carry out at least basic background research on each doctor he or she uses. Doctors are required to report information about their medical education, information about translation services at the doctor’s office, and information about legal actions taken against the doctor. There are also many doctors who provide further information, although it is not required to do so. To see all the information that is available for each doctor, search on any doctor’s name.

Another resource is http://www.op.nysed.gov/opsearches.htm, the Office of the Professions Online Verification Search. Here you can find information on any licensed professional in New York State.

The New York State Department of Health is also a great resource for finding physician details and other health-related information. http://www.health.state.ny.us/nysdoh/healthinfo/index.htm
This site is a very comprehensive resource and includes some basic information on laws and legal matters as well.

Each of these online resources is a great way to begin your research on a New York State doctor. Once you have basic information about the doctor, attorney Najdovski suggests that it is also a good idea to talk to current patients and former patients before making your decision. Remember that you are placing a great amount of trust and confidence in this individual, so you will be rewarded by taking the time to research him or her.

Unfortunately medical malpractice cases do still occur. If you have been a victim of a bad doctor or negligent hospital, you should contact an experienced medical malpractice lawyer immediately. The Najdovski Law Firm PLLC’s Founding Member has been litigating medical malpractice and injured children’s cases for over 20 years. Visit the firm’s website at www.medical-attorneys.com for more information.

physicians malpractice
Physicians struggle to survive doctor shortage
Doctor Raymond Fodor has a problem not found on any X-ray.  It’s in his business’s bottom line.  Fodor…  

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Professional Liability Insurance Architect

June 27, 2010 by · Leave a Comment
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Professional Liability insurance architect
Freeport native to be installed a judge
Mary Mahler doesn’t exactly see herself as a pioneer, but she does admit to admiring one. “I admire Judge Hayden,” said Mahler. “She was influential in encouraging women in law. She was an admirable pioneer for women coming through the ranks.
More Green Space – Less Garage Space – Robotic Parking Systems, Inc.

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Veterinary Professional Liability Insurance

June 26, 2010 by · Leave a Comment
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veterinary Professional Liability insurance

How To Transport Your Horse Safely

Never undertake a journey with your horse unless you have planned thoroughly. Horses can become stressed during transportation, especially when the weather is very warm. The health and safety of your horse is of paramount importance.

Some horses will not show outward signs of stress when being transported. So make sure you keep an eye on the horse’s behaviour and heart rate. Horses are intelligent enough to be able to remember well. Remember this when your horse doesn’t seem to want to enter the trailer.

Horseboxes will be places to fear if you use strong-arm measures in putting the horse in the box. You must avoid introducing an inexperienced horse too suddenly to such travelling. You need to have a lot of patience, encouragement and consistency.

It’s essential to realize that towing a horsebox is not something that anyone can do. If you passed your driving test after 1997, then you must take a test to legally tow a trailer or drive a horsebox. If you are not experienced, you may want to look into some professional training.

Never have a horse in the box or trailer when you are learning. Especially tricky is reversing a trailer so you should make sure you are confident in doing this before you decide to try it with a horse inside it.

Good ventilation of the horsebox is vital. There needs to be a good air flow so there is maximum air circulation. Sometimes swerving or emergency stops are unavoidable, so make sure you are prepared for this. You need to have first aid equipment for both you and your horse. In case of an emergency you should always have your vet’s number readily available. It’s also a good idea to have your horse insurance documents in an easily accessible place in case your horse should need immediate veterinary treatment following an accident.

Horses that are travelling need to be encouraged to drink. This will prevent dehydration and also reduce the risk of impaction colic. Your horse’s health will be assured by frequent stops for water.

Since horses prefer to travel when it’s cool, plan your trips so that travelling in the heat is avoided. It’s essential that your horse gets plenty of fresh air. You must also keep the horsebox very clean and try to travel only when it’s cool. Your horse will need to drink often when hot and humid weather causes it to sweat profusely. Respiratory problems can result from an ammonia build-up, so ensure that the trailer is kept scrupulously clean. The cost of an unexpected visit to your vet can be surprisingly high – especially if your horse insurance provider denies liability on account of your alleged negligence.

Water to which horses are unaccustomed can sometimes be off-putting. To make sure your horse will drink during your travels start putting a splash of Gatorade into their water. So you put a dash of Gatorade in their water when you are travelling. By doing this you make the water more appealing to the horse.

Should you be unfortunate enough to have a collision, it’s important that all the details required by your equine insurance company are up to date. Your journey can be a pleasure if you make proper plans and take everything that your horse might need.

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Nursing Malpractice Insurance

June 22, 2010 by · Leave a Comment
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nursing malpractice insurance
nursing malpractice insurance

Nursing Midwives in the Medical Field

Midwifery is the term traditionally used to describe the art of assisting a woman through the process of childbirth. In the modern context, this term is used to describe the activities of these health care providers who are experts in women’s health care, which includes giving prenatal care to expecting mothers. They attend the birth of the infant and provide postpartum care to the infant and mother. Practitioners of midwifery are known as midwives, constituting a small but visible minority of the health care field.

Midwives are autonomous practitioners who are specialists in matters regarding normal pregnancy, childbirth and postpartum. They generally work to ensure that women under their care have a healthy pregnancy and natural birth experience. Recognized by most of the field as primary care givers, midwives are trained to recognize and deal with deviations from the norm. Obstetricians, on the other hand, are specialists in illnesses related to childbearing. The two professions can be complementary, but are often at odds with each other, since obstetricians are taught to actively manage labor, while midwives are taught not to intervene unless necessary.

Midwives refer a patient to an obstetrician when a woman requires care beyond her area of expertise. In many jurisdictions, these professions work together to provide care to childbearing women, while in others only the midwife is available to provide care. Midwives are trained to handle just a few situations that are considered abnormal, including breech birth and posterior position, using non-invasive techniques. In many areas of the world, traditional midwives, called “traditional birth attendants” by the World Health Organization (WHO), are the only available providers for childbearing women. In the United States, they are divided into nurse midwives and direct-entry midwives.

A nurse midwife is a midwife who enters midwifery after first completing a full accredited nursing education program. All nurse midwives have their Bachelor’s degree, and the great majority have Master’s degrees as well. Nurse midwives deliver about ten percent of the births in the United States, and a slightly greater percentage in most other Westernized countries. Most operate only out of hospitals, since they are prevented by malpractice insurance rules and other concerns from performing home deliveries. Many would prefer to have the option of also being allowed to work outside the hospital.

American nurse midwifery originated during the Great Depression as a service for poor families in rural areas with little access to physicians. They gradually shifted their focus to the inner city, which was becoming the locus of much of the poverty and poor medical care in America of that era. At first, nurse midwives were considered marginal members of the medical community at best, which considered delivering babies to be the exclusive domain of obstetricians. With years of lobbying and shifting cultural mores, they have gradually become accepted as full partners in the medical field. With this acceptance has come limitations; there are requirements that nurse midwives practice under the supervision of an obstetrician and meet restrictive insurance requirements preventing them from having the freedom in their practices that many would prefer.

Direct-entry midwives are a separate category. These are midwives who have entered the practice of midwifery directly, without first passing through nursing training. In the Western nations, direct-entry midwives handle only two percent of all births, with the exception of a few European countries where the number is closer to twenty-five percent. Modern direct-entry midwives have their origins in the lay midwifery movement of the 1970s, but as they gradually professionalized and gained a body of experience, many came to prefer the term direct-entry as a profession in it’s own right.

Direct-entry midwives mostly deliver children in the home of the patient or in birth centers where they run their practices. Most direct-entry midwives are still not allowed hospital privileges at all, and their practice remains totally illegal in nine states in America, where they are liable to be arrested for practicing medicine without a license.

Direct-entry midwifery began as an organic response to the many counter-culture movements in the late 1960s and 1970s, based on a distrust of traditional procedure and unnecessary technology, and also the feminist call for a more woman-centered worldview. Direct-entry midwife centers sprang up independently in several different regions of the country, most notably in Santa Cruz, California, Vermont, and the commune known as “The Farm” in Tennessee, which was the home of founding mother Ina May Gaskin. At that time it was mostly an internal way of dealing with birth for drop-outs who had left most of the institutions of traditional society behind them to join the commune environment, but as those drop-outs began reintegrating themselves with mainstream culture in the 1980s and settling for the jobs and house in the suburbs after all, they took the practice of midwifery with them, and thus began a long process of making midwifery a profession all on it’s own.

The controversy between nurse midwives and direct-entry midwives has been pretty stormy. Nurse-midwives feel that their direct-entry counterparts undermine the years of work they have done to have midwifery be accepted as a fully legitimate and scientific enterprise, and they tend to be suspicious of direct-entry midwives’ lack of formal college-level training. Direct-entry midwives, from their side of the issue, criticize nurse-entry midwives as having abandoned the values which make midwifery distinct from obstetric practice. They also fear and resent the efforts which some nurse midwives have made to make the practice of midwifery without nurse’s training illegal.

Nobody has said the word “monopoly” yet, but it’s clear that midwives and particularly direct-entry midwives might feel that this is just what the child-birthing industry suffers under. In the United States, midwifery is still seen as a dodgy practice, and obstetricians range from acceptance to hot protest. Considering that there are many fields in medicine, such as physician’s assistants, where practice is also not allowed without direct supervision by a more educated overseer, many have asked what would be the harm in nurse midwives practicing under supervision as they have been doing. This controversy may yet reveal deep-seated animosity between political camps of health care workers before it plays out.

Does national health care work in Canada?

Yes, works fine, I have talk with 100s who say it’s great. It is a bold face lie they come to the USA for health care, they don’t. Of the 100s I have talked with most don’t own a car or travel. The Nurse I talk with everyday tells me Doctors there also think it’s working fine. The Neocons like to point to malpractice insurance as the reason for high cost’s it’s not. That’s just another lie. 1/10 of one percent is insurance.
Neocons want to get $1 million for their Dad who died but they don’t want you to get a dime when yours dies as a direct result of negligence.
It does work well for the poor. According to the poor i talk with. Yes they tell me long lines are common. I pay my Doctor $75 for a office visit and wait 1 hour many times. It’s no biggy when your sick.
We spend $500 billion on defense and we only spend 14 percent of outlays on Social programs. 3000 died on Sept. 11th. that’s 1/10 of one percent who will die this year because of no health insurance in America.

Our National Health Care system works, but it definitely needs serious upgrades to tackle issues like lengthy wait times and lack of General Practitioners. It does bring a lot of personal relief to Canadians that we can go in to see Doctors and Dentists, and receive basic services, without incurring large personal costs.

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Professional Liability Insurance Rate

June 21, 2010 by · Leave a Comment
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Professional Liability insurance rate
professional liability insurance rate
Vigil Health Solutions Reports 4th Quarter and Annual Results
VICTORIA, BRITISH COLUMBIA–(Marketwire – 06/21/10) – Vigil Health Solutions Inc. (Vigil) (TSX-V: VGN – News ) announces the results of operations for the fiscal year (FY10) and the fourth quarter, ending March 31, 2010. Highlights — Revenue was $4.06 million compared to $4.51 million in the prior year, a decrease of 10%. — Grew service and maintenance revenue and one-off sales by 33% in the …

Lapsing E&O Insurance Coverage – How to Keep Continuous Liability Insurance Coverage

If you’ve decided to purchase professional liability insurance, you know the value of protecting your business against claims of professional negligence. But it’s also critically important to understand the reasons why, as long as you’re in business, you should never let your policy lapse.

Claims Made Vs. Occurrence Insurance Policies

Also known as errors and omissions insurance or E&O insurance, Professional Liability Coverage comes into play when and if a client should allege that you or someone you employ made an error or omission in the course of doing your job, causing the client a financial loss. In such cases, E&O claims insurance would pay for your legal defense as well as any settlement the court orders you to pay as compensation to your client, for any covered claims up to the limits specified by your policy.

Professional liability policies are nearly always written on a claims-made basis rather than an occurrence basis. What this means is that coverage depends on two factors: when the alleged omission or error occurred, and when the lawsuit is brought.

Retroactive Date of Inception

The most important dates to keep in mind are your policy’s termination date and its retroactive date of inception. What is a retroactive date of inception? Also called a “prior acts coverage date,” your retroactive coverage date (a.k.a. retro date) establishes exactly when your coverage begins. In most cases, this date will be the date you first bought your policy. Some comprehensive E&O insurance plans also offer prior acts coverage, in which cases your retro date may be a date prior to your policy purchase.

For a claim to be covered, the alleged error or omission must be covered by the policy and must have taken place on or after the retroactive date of coverage, but before the policy’s expiration date; and the claim must be made while the policy is still in force. The claim must also be reported to the insurance carrier within the time frame stipulated by the policy.

So, let’s say you bought your errors & omissions coverage June 1, 2008, and that’s your retroactive date of inception. Any claims related to errors and omissions you may have made prior to that date aren’t covered. Your policy’s termination date was May 31, 2009, but you renewed it to maintain continuous coverage. Your renewal date was June 1, 2009, so your new termination date is May 31, 2010 – but your retroactive date of inception is still June 1, 2008. Any covered claims related to work between June 1, 2008, and May 31, 2010, would be covered – as long as they are made and reported to your carrier while your policy is still in force.

But what happens if you choose not to renew your E&O policy? Let’s say a client hires you to do a project, but stipulates in the contract that you must purchase E&O insurance for your business. When the contract job is complete, you let the insurance policy lapse because you think it’s no longer needed. Months later, your client slaps you with a lawsuit alleging that it was able to trace the cause of a financial loss back to a mistake you made while working on the project. Because your E&O insurance policy is no longer in force, you have no coverage for that lawsuit – even though the policy was active when the error was made.

Regardless of what your retroactive coverage date is, if you let your claims-made policy lapse, your coverage for prior acts is gone. You could lose coverage for years of work. Coverage starts all over again, with a new retro date, on the day your policy is reinstated.

Tail Coverage

Does this mean that you’ll need to pay premiums to continue your professional liability policy indefinitely, even if you retire or decide to close your business?

In such cases, you can purchase coverage for an extended reporting period beyond your policy’s expiration date, allowing continuous coverage for any claims that may be brought after your business has ceased. This extension, known as “tail coverage,” typically lasts from one to five years.

Tail coverage only includes claims related to errors and omissions that took place after your retroactive coverage date of inception and while your business was operational; it doesn’t cover claims related to work you may do after your business has closed.

Costs for tail insurance coverage vary, as can the amount of time coverage is extended, so ask your agent or broker for details.

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