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R&R Insurance Blog

Disability a Higher Risk for Women

Posted by Donald Levings

Single wage earners need to see to it that their greatest asset, their ability to earn income, is adequately protected. Also, as more of today's households are dependent on dual incomes, it becomes crucial to protect both of them. Even if their employer offers group disability insurance, in many cases, the amount of the coverage is insufficient to protect their needs and won't allow them to continue the lifestyle they have become accustomed to.

Read the full article

Topics: Employee Benefits, Healthcare, Disability Insurance

Needlestick Reduction Impacts Healthcare Worker Employee Safety

Posted by Maureen Joy

Healthcare workers are frequently exposed to bloodborne pathogens. OSHA - Occupational Safety & Health Administration together with NIOSH - National Institute for Occupational Safety and Health is continously working to educate employers and employees about these hazards and the best means of prevention.

A recent NIOSH-supported study shows how the Needlestick Safety and Prevention Act (NSPA) and OSHA’s Bloodborne Pathogens standard have significantly reduced needlesticks and bloodborne disease exposure for healthcare workers as recent as December 2011. OSHA's revised standard requires employers to provide safety-engineered devices to workers who are at risk for exposure to bloodborne pathogens, to include employees in the selection of these devices, to review exposure-control plans at least annually, and to maintain specific sharps-injury logs.

For more information about bloodborne pathogens and needlestick prevention, visit OSHA's Safety and Health Topics page . To request a review of your organization's bloodborne pathogen plan or other safety programs contact Maureen Joy with R&R Insurance's Resource Center.

Topics: Safety, OSHA, Workers Compensation, Healthcare, Resource Center, Business Insurance

Home Care Employees - Preventing Workplace Violence

Posted by Maureen Joy

Home healthcare workers can find themselves in unprotected and unpredictable environments and can be vulnerable to verbal abuse, stalking, threats of assault, and even homicide.

NIOSH -National Institute for Occupational Safety and Health has published a new resource (PDF*) to assist employers in preventing violence against home healthcare workers. This factsheet offers strategies for workers and encourages employers to establish a zero-tolerance policy for violence and provide workers with violence-prevention training. OSHA - Occupational Safety & Health Administration has guidelines for preventing workplace violence for health care and social service workers. For more information, visit OSHA's Workplace Violence or CDC/NIOSH’s Occupational Hazards in Home Healthcare sites.

Contact R&R Insurance - Resource Center if you would like to discuss this or other employee work place exposures

Topics: Safety, Workers Compensation, Healthcare, Resource Center, Business Insurance

Improper Use of Bed Rails in Nursing Homes

Posted by Resource Center

In Phoenix AZ, The FDA issued guildlines to help prevent dangerous situations that occur with bed rails and the elderly getting trapped between them. The article describes ways that the elderly may be harmed and how to create a safer environment for them.

December 07, 2011 -- A few years ago, the U.S. Food and Drug Administration (FDA) issued guidelines to stem the growing numbers of elderly who had become entrapped and injured with bed rails. While these devices were designed to keep the elderly from rolling out of bed and preventing injury, they can also create equal harm. This happens when an elderly patient - particularly one suffering from Alzheimer's or another form of dementia becomes trapped between the mattress and the bed rail.

The FDA guidelines now instruct nursing home and hospital personnel how to make complex calculations to determine if beds are safe. Gaps in the assembly of a hospital bed can occur when different manufacturers make the separate parts - bed, rail, frame and mattress.

Prevention of Bed Rail Accidents in the Elderly:

By law, bed rails should only be used in a nursing home setting with a doctor's order. Mistakenly, some staff members believe that the use of bed rails are a protective device and use them arbitrarily without a doctor's order. Training is imperative for these staff members so that injury or accidents can be prevented. That training will have the staff member do the following:

- Push the mattress to one side to determine if a gap any more than four fingers in width can be made between the mattress and the bed rail.

- Monitor elderly patients, especially ones with dementia and Alzheimer's so that they don't climb over the bed rails and suffer an injury from a fall.

- Check that bed rails have been placed in the upward position prior to leaving the nursing home room.

The Most Common Bed Rail Injury:

Proper training helps prevent the most common bed rail injury - falling over the railing. This type of injury is more devastating than a simple fall from the bed, due to the extra height from which the senior may tumble. Another type of injury that is common with bed rail use involves falls after the bed rails have been lowered. Since those who are bedridden have muscle deterioration, a fall after the bed rail has been lowered is quite common. Other injuries from bed rails can include:

- Chest compression

- Suffocation

- Strangulation

- Death

To learn more about bed rail use and what can happen, if bed rails are not used properly, please visit the website of nursing home abuse attorneys Cullan & Cullan, M.D., J.D. in Phoenix and Scottsdale, Arizona at www.stopnuringhomeabuse.org.

Topics: Healthcare

Cyber Liability Seminar Announced

Posted by Resource Center

R&R Insurance announces the date for the new Cyber Liability seminar, which will cover how a business can protect itself against cyber crime, will be Wednesday, October 5, 2011, 8:00am - 11:30am, held at the MRA conference Center in Waukesha, WI.

Companies receive an average of 4 million attacks against their networks on a daily basis. Sure, companies can employ the best IT talent around, but that’s no guarantee that your network won’t be compromised, or that your data won’t be breached. No system is 100% secure!

How can a business protect itself against a costly data breach or a business-halting compromise to their network?

Attend our free Cyber Liability Seminar. Learn this and a whole lot more...

Recent news about data breaches and losses sustained due to lack of insurance coverage for cyber crime:

UWM: 75,000 records breached!
Texas Spends $1.8 Million on Data Breach As Lawsuits Loom
WellPoint Fined $100k for Failing to Report Data Breach
Losing the War on IT Security
Sony Laid Off Employees Before Data Breach Lawsuit
RockYou Data Breach Lawsuit Moves Forward
Data breaches may lurk in office copiers and printers
Michael's Department Store Breach 4 Suspects Sought
Average cost of a corporate data breach is $7.2 million
Class slams Michaels for Data Breach

357 People Affected by Data Breach at North Carolina's Wake Forest Baptist
Nurse Accused of Accessing 2,500 Medical Records at Memorial Hospital in Colorado
Walgreens.com site exposed patients’ pharmacy records to other patients?
Hospital employee and three others accused of stealing patients’ identities
An unintended exposure leads to a mea culpa from an online psychiatry journal
Personal Info Stolen From Patients At DeKalb Medical
Drug, paternity test records exposed
Morgan Stanley loses 34k customer records on unencrypted CDs
Groupon loses 300,000 user details
SEGA hacked, records exposed
Eight million health records lost on NHS laptop

R&R Insurance Cyber Liability eBook


Topics: Cyber Liability, Healthcare, Resource Center, Business Insurance, Municipalities LWMMI, No system is 100% secure, data breach

Is Your Healthcare Practice Covered For Compliance Allegations?

Posted by the knowledge brokers

In 2009, medicare reclaimed $2.51 billion from physicians and other health-care providers which is a 29% increase over the prior year. Over $441 million in federal medicare money was returned in 2009 which was a 29% increase over 2008.

R&R Insurance offers protection for your practice and reputation with FFActs Regulatory Compliance Insurance. Coverage Includes:

  • Protection from Alleged Medicare/Medicaid Overpayment and Commercial Payor Audits (including RAC)
  • Alleged Violations of HIPAA (Patient Privacy), STARK (Patient Referral) and EMTALA (Emergency Room Treatment)
  • For Medicare Commercial Payor audits, Regulatory Insurance covers penalties, fines, defense and consulting work up to $1 million for a single claim
  • provides experience legal experts and consultants
  • Offers protection from six year Medicare look back period
  • Board of Medical Examiners review coverage included

For more information about Regulatory Compliance Insurance, contact a knowledgebroker.

Topics: Healthcare, RAC audits, regulatory compliance insurance, Business Insurance, FFActs, protect your practice

Cardiology Physician Group Covered For $2.4 Million Repayment

Posted by the knowledge brokers

A four-physician cardiology group in Mississippi was targeted by the Center for Medicare Services (CMS). After an initial review of 159 claims, CMS determined that 30 were improperly paid. Based on the error rate, CMS demanded more than $2.4 million be repaid to the Medicare program within 30 days.

Fortunately, the group had purchased the Regulatory Compliance Insurance coverage and immediately reported the audit. The response to CMS resulted in the overpayment amount being reduced to less than $3,000. The cost of the expert defense work was significant, but was fully covered by the insurance policy minus a small deductible. The cost of the insurance was less than $7,000 for the group.

Topics: Healthcare, medicare services, regulatory compliance insurance, medicare program, Business Insurance, CMS, cardiology, physician cardiology group

HIPPA Regulations Another Liability For Hospitals

Posted by the knowledge brokers

Rules governing the restricted use of patient information create an additional liability exposure for the healthcare industry. The final HIPAA regulations establish the first ever national standards for privacy of health information. Enforcement activity for non-compliance may become an additional challenge for hospitals that are governed by these regulations in the near future.

R&R Insurance offers coverage that provides defense and indemnity protection for fines and penalties levied by Federal or State enforcement agencies as a result of government allegations of HIPAA regulatory violations.

For more information about Regulatory Compliance Insurance, contact a knowledgebroker.

Topics: Healthcare, HIPAA, Business Insurance, health-care industry

AHA's RACTrac Traces Hospital RAC Activity Impact

Posted by the knowledge brokers

Centers for Medicare & Medicaid Services (CMS) Recovery Audit Contractor (RACs) conduct automated reviews of Medicare payments to health care providers—using computer software to detect improper payments. RACs also conduct complex reviews of provider payments—using human review of medical records and other medical documentation to identify improper payments to providers. Improper payments include:

  • incorrect payment amounts;
  • incorrectly coded services (including Medicare Severity diagnosis-related group (MS-DRG) miscoding;
  • non-covered services (including services that are not reasonable and necessary);
  • duplicate services.

AHA created RACTrac—a free, web-based survey—in response to a lack of data provided by CMS on the impact of the RAC program on America's hospitals. Hospitals use AHA’s online survey application, RACTrac, to submit their data regarding the impact of the RAC program. Survey questions are designed to collect cumulative RAC experience data, from the inception of a hospital’s RAC activity through the 4th quarter of 2010. Survey registration information and RACTrac support can be accessed at ractracsupport@providercs.com 1-888-722-8712.

For more information about Recovery Audit Contractor, contact a knowledgebroker.

Topics: Healthcare, Recovery Audit Contractor (RACs), RAC activity, Business Insurance, Centers for Medicare & Medicaid Services (CMS), hospital’s RAC activity, Medicare Severity diagnosis, RAC Program

STARK Violations - Non Compliant Healthcare Referral Agreements

Posted by the knowledge brokers

Patient referral relationships and financial incentive arrangements between hospitals and other healthcare services could be found in violation of the current STARK regulations (Non-Compliant Referral Agreements). Hospital contracts, leases and other side agreements are now under intense scrutiny and could prove costly to hospital practices for unintentional violations. Understanding the laws governing referral relationships is essential as well as having the proper coverage in case of an investigation and possible allegations.

More Stark Violations and Civil Monetary Penalty Claims

For more information about Regulatory Compliance Insurance, contact a knowledgebroker.

Topics: Healthcare, STARK violations, non-compliant referral agreements, Business Insurance, FFActs, referral relationships, financial incentive arrangements, patient referral relationships, hospital contracts, STARK regulations