THE TRUTH ABOUT MEDICAL MALPRACTICE LITIGATION

Size: px
Start display at page:

Download "THE TRUTH ABOUT MEDICAL MALPRACTICE LITIGATION"

Transcription

1 CENTER FOR JUSTICE & DEMOCRACY 185 WEST BROADWAY NEW YORK, NY TEL: THE TRUTH ABOUT MEDICAL MALPRACTICE LITIGATION Trt liability fr medical malpractice is designed t serve several functins: t cmpensate injured patients fr their harm, t encurage dctrs t take apprpriate safety precautins and avid undue risk in treating their patients, and t prvide a frum in which negligent physicians can be held publicly accuntable. The litigatin prcess can als prvide a means fr patients and their families t gain mre infrmatin abut the causes and circumstances f medical injuries. 1 PREVENTABLE MEDICAL ERRORS ARE WIDESPREAD BUT FEW INJURED PATIENTS FILE LAWSUITS. Each year, hundreds f thusands f Americans are killed r injured by avidable medical errrs. Accrding t a Nvember 2010 study by the Office f Inspectr General f the U.S. Department f Health and Human Services, abut 1 in 7 Medicare patients in hspitals experience a serius medical errr, 44 percent f which are preventable. 2 The Institute f Medicine s seminal 1999 study, T Err is Human, fund that between 44,000 and 98,000 patients are killed in hspitals each year due t preventable adverse events caused by treatment itself and nt an underlying cnditin. 3 The IOM used stringent criteria in chsing which adverse events t cnsider. The reprt als ntes, Sme maintain these extraplatins likely underestimate the ccurrence f preventable adverse events because these studies: 1) cnsidered nly thse patients whse injuries resulted in a specified level f harm; 2) impsed a high threshld t determine whether an adverse event was preventable r negligent (cncurrence f tw reviewers); and 3) included nly errrs that are dcumented in patient recrds. In ther wrds, the authrs f the IOM study made special care t ensure that nly incidents that were preventable r negligent were examined. Despite the amunt f preventable medical negligence natinwide, very few injured patients file suit. This was the finding f tw recent Natinal Center fr State Curts (NCSC) analyses f medical malpractice litigatin in state curts. 4 As NCSC researchers put it in their 2010 study, rarely des a medical malpractice caselad exceed a few hundred cases in any ne state in ne year. 5 MEDICAL MALPRACTICE LAWSUITS ARE RARE AND DECLINING IN NUMBER. Accrding t an April 2011 NCSC reprt, despite the widespread prevalence f medical negligence, 6 in 2008 medical malpractice case filings represented well under 2 percent f all incming civil cases, and less than 8 percent f incming trt cases 7 in the general jurisdictin curts f 12 states reprting.

2 NCSC data als shw that medical malpractice claims are becming less frequent. In an Octber 2011 study, researchers fund that frm 2000 t 2009, med mal filings fell by 18 percent in the general jurisdictin curts f seven states reprting. 8 In five f thse states, filings fell by between 18 and 42 percent. 9 These findings are cnsistent with NCSC s April 2011 med mal reprt which cncluded that [c]ntrary t the claims f sme trt refrm advcates, medical malpractice caselads have been decreasing ver time. 10 MEDICAL MALPRACTICE CASES ARE RARELY RESOLVED THROUGH TRIAL. In 2005, the mst recent year studied by the U.S. Department f Justice (DOJ), nly 7.8 percent f medical malpractice cases were dispsed f by bench r jury trial in 49 jurisdictins reprting. 11 Between 1996 and 2005, the number f medical malpractice trials cncluded in state curts in the natin s 75 mst ppulus cunties remained lw and fairly stable, increasing by nly 1.5 percent ver the ten-year perid. 12 In 2005, medical malpractice cases accunted fr nly 9.1 percent f all civil cases dispsed f by trial in state curts. 13 After examining lng-term data, DOJ fund that the number f med mal cases as a percentage f all civil trials in the natin s 75 mst ppulus cunties remained lw and relatively steady ver a 14-year perid, with med mal cases cnstituting 9.7 percent f all civil trials in 2001 and 11.3 percent f all civil trials in DOJ data shw that in 2005 medical malpractice cases accunted fr 14.9 percent f trt cases dispsed f by trial in state curts natinwide. 15 Lng-term data frm the natin s 75 mst ppulus cunties shw that the number f medical malpractice cases as a percentage f all trt trials remained lw and fairly stable frm 1996 thrugh 2005, increasing by nly 2.8 percent between 2001 and THE VAST MAJORITY OF TRUE MEDICAL MALPRACTICE CASES SETTLE. In a 2006 clsed claims study, the Harvard Schl f Public Health fund that nly 15 percent f claims were decided by trial verdict. 17 Other research shws that 90 percent f cases are settled withut jury trial, with sme estimates indicating that the figure is as high as 97 percent. 18 As Duke Law Prfessr Neil Vidmar, wh has extensively studied medical malpractice litigatin, testified befre the U.S. Senate, Research n why insurers actually settle cases indicates that the driving frce in mst instances is whether the insurance cmpany and their lawyers cnclude, n the basis f their wn internal review, that the medical prvider was negligent..an earlier study by Rsenblatt and Hurst examined 54 bstetric malpractice claims fr negligence. Fr cases in which settlement payments were made there was general cnsensus amng insurance cmpany staff, medical experts and defense attrneys that sme lapse in the standard f care had ccurred. N payments were made in the cases in which these varius reviewers decided there was n lapse in the standard f care. 19 Vidmar added, In interviews with liability insurers that I undertk in Nrth Carlina and ther states, the mst cnsistent theme frm them was: We d nt settle frivlus cases! The insurers indicated that there are minr exceptins, but their plicy n frivlus cases was based n the 2

3 belief that if they ever begin t settle cases just t make them g away, their credibility will be destryed and this will encurage mre litigatin. 20 Vidmar further testified, Withut questin the threat f a jury trial is what frces parties t settle cases. The presence f the jury as an ultimate arbiter prvides the incentive t settle but the effects are mre subtle than just negtiating arund a figure. The threat causes defense lawyers and the liability insurers t fcus n the acts that led t the claims f negligence. 21 JURIES ARE ABLE TO HANDLE MEDICAL MALPRACTICE CASES. Empirical studies cnsistently shw juries t be capable, effective and fair decisin-makers in medical malpractice cases. 22 Fr example, University f Missuri-Clumbia Law Prfessr Philip G. Peters, Jr. analyzed three decades f empirical research n jury decisin-making and reached the fllwing fur cnclusins: First, negligence matters. Weak cases rarely win, clse cases d better, and cases with strng evidence f medical negligence fare best. Secnd, the agreement rate between juries and experts is very high in the class f cases that mst wrries critics f malpractice litigatin, that is, cases with weak evidence f negligence. Juries agree with expert reviewers in eighty t ninety percent f these cases. That is a better agreement rate than physicians typically have with each ther. Third, the agreement rate is much lwer in cases with strng evidence f negligence. Dctrs cnsistently win abut fifty percent f the cases that experts believe the plaintiffs shuld win. Furth, the cnsistently lw success rate f malpractice plaintiffs in cases that expert reviewers feel they shuld win strngly suggests the presence f ne r mre factrs that systematically favr medical defendants in the curtrm, such as better litigatin teams r prnunced jury reluctance t find dctrs liable. Frm the perspective f defendants at least, jury perfrmance is remarkably gd. 23 JURIES ARE NOT ANTI-PHYSICIAN; IN FACT, THE OPPOSITE IS TRUE. Crnell University Law Prfessr Valerie P. Hans and Duke University Law Prfessr Neil Vidmar, leading experts in the field f jury research, explred the claims f dctrs abut unfair treatment by juries but the empirical evidence des nt back them up. The ntin f the pr-plaintiff jury is cntradicted by many studies that shw bth actual and mck jurrs subject plaintiffs evidence t strict scrutiny. 24 Interviews with Nrth Carlina jurrs wh decided medical malpractice cases led Prfessr Vidmar t cnclude that many jurrs initially viewed the plaintiffs claims with great skepticism. Their attitudes were expressed in tw main themes. First, they said that t many peple want t get smething fr nthing, a skeptical attitude abut claiming. Secnd, they expressed the belief that mst dctrs try t d a gd jb and shuld nt be blamed fr a simple human misjudgment. 25 Vidmar added, Indeed, these attitudes were even expressed in sme f the cases in which jurrs decided fr the plaintiff. One jury that gave a multimillin-dllar award fr a baby with severe brain injuries was very cncerned abut the pssible adverse effect n the dctr s medical practice. This des nt mean that in every such case jurrs held these views. Smetimes, evidence f the dctr s seemingly careless behavir caused jurrs t be angry abut what happened. Hwever, even in these latter cases, the interviews indicated that the jurrs had initially apprached the case with pen minds. 26 3

4 IT IS DIFFICULT FOR PATIENTS TO WIN MEDICAL MALPRACTICE CASES. In 2005, the latest year studied by DOJ, the plaintiff win rate fr medical malpractice was 23 percent. 27 Juries decided against medical malpractice plaintiffs mre than three-quarters f the time in Injured patients were mre successful befre judges, winning 50 percent f the time. 29 Lng-term data frm state trials in the natin s 75 mst ppulus cunties shw statistically significant decreases in win rates amng medical malpractice plaintiffs. Mre specifically, the percentage f successful plaintiffs fell by 17 percent frm 1996 t 2005 and by 27.7 percent frm 2001 t MEDICAL MALPRACTICE VICTIMS WHO PREVAIL AT TRIAL HAVE SUFFERED SEVERE INJURIES. Accrding t NCSC, in 2005, death was by far the mst frequent type f injury amng successful medical malpractice plaintiffs, accunting fr 22 percent f med mal victims wh prevailed at trial. 31 [I]n the paralysis/amputatin categry, 100 percent f medical malpractice cases in which the plaintiff received an award invlved paralysis caused by injury t the spine r brain In the brain/head injury categry, all injuries alleged by successful medical malpractice claimants were permanent Fr burns, laceratins, skin infectins, and ther skin injuries, all winning medical malpractice patients suffered permanent injuries. 32 MEDICAL MALPRACTICE VERDICTS ARE FAR SMALLER THAN COMMONLY BELIEVED. In 2005, the latest year studied by DOJ, the median award fr successful medical malpractice plaintiffs in state curt was $400, The median med mal award in jury-decided cases was als $400, In cntrast, state judges handed dwn a significantly higher median damage award t medical malpractice victims, $631, It is imprtant t nte that these median amunts d nt accunt fr pst-trial activity (such as award mdificatins) and appeals. 36 PREVAILING MEDICAL MALPRACTICE PLAINTIFFS RARELY RECEIVE PUNITIVE DAMAGE VERDICTS. In 2005, the mst recent year studied by DOJ, punitive damages were awarded in nly 1 percent f medical malpractice cases where victims established liability at trial. 37 Lng-term data frm the natin s 75 mst ppulus cunties shw that the percentage f successful medical malpractice plaintiffs receiving punitive damages is cnsistently lw 1.1 percent in 1996, 4.9 percent in 2001 and 2.6 percent in THERE ARE LEGITIMATE REASONS WHY SUCCESSFUL MEDICAL MALPRACTICE PLAINTIFFS RECEIVE LARGER AWARDS THAN OTHER PERSONAL INJURY PLAINTIFFS. Accrding t DOJ, in 2005, the median award fr successful medical malpractice plaintiffs was $400,000, cmpared t $19,840 fr ther successful persnal injury plaintiffs. 39 In analyzing the different medians, NCSC explained that [t]he larger damage awards in medical malpractice cases d nt necessarily imply that juries are acting irratinally r being verly generus t medical malpractice plaintiffs. First, damage awards in medical malpractice cases are generally prprtinate t the severity f the injury. Secnd, the high cst f pursuing a medical malpractice claim means that nly thse cases in which the plaintiff s injury is severe and the ptential damages very large are likely t make it t trial. Because ther types f trt cases are 4

5 less cstly t litigate, lwer-value cases f these types are mre likely t be filed and taken t trial than are lw-value medical malpractice cases. 40 MEDICAL MALPRACTICE AWARDS AND PAYMENTS REFLECT THE SEVERITY OF THE INJURY. After lking at the mst recent DOJ data available, NCSC researchers fund that [t]he mst serius injuries, such as paralysis and cancer, received the largest awards. Cnsistent with ther research, in medical malpractice cases death tended t be cmpensated smewhat less highly than sme ther serius injuries such as paralysis, in part because these injuries ften require cstly lifelng care. Less serius injuries, such as fractures and dental injuries, received smaller awards. 41 As Prfessr Vidmar tld Cngress in June 2006, [T]he magnitude f jury awards in medical malpractice trt cases psitively crrelated with the severity f the plaintiffs injuries, except that injuries resulting in death tended t result in awards substantially lwer than injuries resulting in severe permanent injury, such as quadriplegia. I and tw clleagues cnducted a study f malpractice verdicts in New Yrk, Flrida, and Califrnia. We als fund that jury awards f prevailing plaintiffs in malpractice cases were crrelated with the severity f the injury. 42 Public Citizen s mst recent analysis f Natinal Practitiner Data Bank (NPDB) data shws that the verwhelming majrity f medical malpractice payments cmpensate fr death, catastrphic harms r serius permanent injuries. 43 Of the 10,195 medical malpractice payments in 2010, 44 nearly tw-thirds (64.5 percent) cmpensated fr negligence that resulted in a significant permanent injury, majr permanent injury, quadriplegia, brain damage, the need fr lifelng care, r death. Mre imprtant, the dllar value f payments fr these extremely serius utcmes accunted fr an even higher prprtin mre than fur-fifths (82.1 percent) f the ttal value f malpractice payments last year. Nearly half the mney paid (46.6 percent) cmpensated victims and victims survivrs fr negligence resulting in death, quadriplegia, brain damage r injuries requiring lifelng care. 45 VICTIMS OF MEDICAL ERRORS ARE RARELY COMPENSATED. Accrding t Public Citizen s analysis f 2010 NPDB data, The number f medical malpractice payments made n behalf f physicians fell fr the seventh cnsecutive year in 2010, plummeting t the lwest ttal in the histry f the NPDB, which has tracked medical malpractice payments since In abslute terms, [p]ayments in 2010 were 19.6 percent fewer than in 1991, the earliest full year fr which the NPDB cllected data. Cmpared t the U.S. ppulatin, the number f payments was 37.5 percent lwer in 2010 than in Public Citizen s NPDB reprt als fund that there were 3,597 medical malpractice payments fr deaths due t negligence in This means that even if ne uses the lw end f the IOM estimate 44,000 deaths per year abut 12 times as many peple were likely killed in hspitals in 2010 because f avidable errrs as the number f malpractice payments t survivrs. 49 Using a 2009 Hearst Newspapers estimate (i.e., 200,000 deaths frm medical mistakes per year), just ne in 55 deaths was cmpensated. 50 In ther wrds, between 91 and 98 percent f deaths frm medical negligence did nt result in any liability payment. In additin, Public Citizen s analysis f NPDB data revealed that a ttal f 10,195 malpractice payments were made n behalf f dctrs in Thus, even by IOM s lw-end estimate f 44,000 deaths a year, abut fur times as many peple were killed by avidable errrs as received a medical malpractice payment fr any adverse utcme, including death. 52 And based n the 5

6 Hearst estimate f 200,000 deaths per year, abut 19 peple were killed fr every payment cmpensating any type f injury. 53 Accrding t DOJ s mst recent reprt n medical malpractice insurance claims in seven states frm 2000 thrugh 2004, mst claims were clsed withut any cmpensatin prvided t thse claiming a medical injury. 54 MEDICAL MALPRACTICE VERDICT PAYMENTS ARE FAR SMALLER THAN COMMONLY BELIEVED. In its 2011 NPDB study, Public Citizen fund that [t]he cumulative value f malpractice payments in 2010 was the lwest in the histry f the NPDB if adjusted fr inflatin by the cnsumer price index (CPI) r medical services index. In actual dllars, payments in 2010 were the lwest since As Crnell Law Prfessr Valerie P. Hans and Duke Law Prfessr Neil Vidmar explain in American Juries: The Verdict, The fact that the jury verdict is nt the end f litigatin is ften verlked in discussins f the rle f the jury. This is especially true f medical malpractice trials. 56 Accrding t the authrs, Research cnsistently indicates that utlier verdicts seldm withstand pstverdict prceedings. The judge may reduce the award by remittitur (the legal term fr a reductin), r the case may be appealed t a higher curt at which time the award may be reduced. Perhaps mst cmmn f all, the plaintiff and the defendant negtiate a psttrial settlement that is less than the jury verdict. Plaintiffs are willing t negtiate lesser amunts, the researchers added, because they need the mney immediately and cannt wait fr the years it will take t get the mney if the case is appealed. Als, there is a risk that an appeals curt will reduce the award r even verturn the verdict. 57 In the end, the plaintiff negtiates a settlement arund the defendant s insurance cverage. 58 Fr example, [s]me f the largest medical malpractice awards in New Yrk that made natinal headlines ultimately resulted in settlements between 5 and 10 percent f the riginal jury verdict actually being paid. 59 Similarly, Vidmar s Illinis study fund that settlements in his sample f large jury awards averaged nly 43 percent f the riginal verdicts. 60 Research by University f Illinis Law Prfessr David A. Hyman and clleagues frm the University f Texas, New Yrk University Law Schl and Gergetwn University Law Center shws that mst med mal jury awards receive pst-verdict haircuts. 61 Accrding t the Texas data: Seventy-five percent f plaintiffs received a payut less than the adjusted verdict (jury verdict plus pre-judgment and pst-judgment interest), 20 percent received the adjusted verdict (within ± 2 percent), and 5 percent received mre than the adjusted verdict. 62 Overall, plaintiffs received a mean (median) per-case haircut f 29 percent (19 percent), and an aggregate haircut f 56 percent, relative t the adjusted verdict. 63 The larger the verdict, the mre likely and larger the haircut. Fr cases with a psitive adjusted verdict under $100,000, 47 percent f plaintiffs received a haircut, with a mean (median) per-case haircut f 8 percent (2 percent). Fr cases with an adjusted verdict larger than $2.5 millin, 98 percent f plaintiffs received a haircut with a mean (median) per-case haircut f 56 percent (61 percent). 64 Insurance plicy limits are the mst imprtant factr explaining haircuts. 65 6

7 Mst cases settle, presumably in the shadw f the utcme if the case were t be tried. That utcme is nt the jury award, but the actual pst-verdict payut. The parties surely bargain in the shadw f the jury, but in mst cases, the terms f the bargain are shaped by the shadw f cverage. 66 Because defendants rarely pay what juries award, jury verdicts alne d nt prvide a sufficient basis fr claims abut the perfrmance f the trt system. 67 FAR FROM BEING BROKEN, EXPERTS SAY THAT THE CURRENT MEDICAL MALPRACTICE SYSTEM WORKS WELL. In an Octber 2011 study, Califrnia State University, Nrthridge Ecnmics Prfessr and Cat Institute Adjunct Schlar Shirley Svrny analyzed existing empirical data and fund that the medical malpractice system wrks just as it shuld. As Svrny explained, The medical malpractice system generally awards damages t victims f negligence and fails t reward meritless claims. Plaintiffs attrneys, paid n a cntingency basis, filter ut weak cases. Patients wh file valid claims are likely t cllect, generally thrugh ut-fcurt settlements. 68 The fact that settlement is cmmn suggests curts are prviding gd signals as t when plaintiffs will prevail. Under these cnditins, insurance cmpanies assess the validity f claims and settle valid claims rather than g t curt. 69 Critics f the system pint t the fact that many initial claims d nt invlve negligence. This can be explained by patients and their attrneys seeking t gather infrmatin abut the level f negligence assciated with an injury. Once discvery shws a small likelihd f success, many plaintiffs drp their claims. 70 Critics f the medical malpractice system pint t its high administrative csts. Yet, as ecnmist Patricia Danzn bserves, the bulk f administrative csts are limited t the small fractin f cases that g t curt. Meanwhile, the deterrent effect influences all medical practice. 71 In its 2006 clsed claims study, the Harvard Schl f Public Health reprted that legitimate claims are being paid, nn-legitimate claims are generally nt being paid and prtraits f a malpractice system that is stricken with frivlus litigatin are verblwn. 72 Amng the researchers mre significant findings: Sixty-three percent f the injuries were judged t be the result f errr and mst f thse claims received cmpensatin; n the ther hand, mst individuals whse claims did nt invlve errrs r injuries received nthing. 73 Eighty percent f claims invlved injuries that caused significant r majr disability r death. 74 The prfile f nn-errr claims we bserved des nt square with the ntin f pprtunistic trial lawyers pursuing questinable lawsuits in circumstances in which their chances f winning are reasnable and prspective returns in the event f a win are high. Rather, ur findings underscre hw difficult it may be fr plaintiffs and their attrneys t discern what 7

8 has happened befre the initiatin f a claim and the acquisitin f knwledge that cmes frm the investigatins, cnsultatin with experts, and sharing f infrmatin that litigatin triggers. 75 [D]isputing and paying fr errrs accunt fr the lin s share f malpractice csts. 76 Previus research has established that the great majrity f patients wh sustain a medical injury as a result f negligence d nt sue. [F]ailure t pay claims invlving errr adds t a larger phenmenn f underpayment generated by the vast number f negligent injuries that never surface as claims. 77 LITIGATION IMPROVES PATIENT SAFETY. David A. Hyman, Prfessr f Law and Medicine at the University f Illinis Cllege f Law, and Charles Silver f the University f Texas at Austin Schl f Law, have researched and written extensively abut medical malpractice. 78 They cnfirm, The field f surgical anesthesia, where anesthesilgists adpted practice guidelines t reduce deaths, injuries, claims and lawsuits, is a strng case in pint. [T]w majr factrs frced their hand: malpractice claims and negative publicity. Anesthesilgists wrked hard t prtect patients because f malpractice expsure, nt in spite f it. 79 As Hyman and Silver explain, the reasn why trt liability prmtes patient safety is bvius: Prviders are ratinal. When injuring patients becmes mre expensive than nt injuring them, prviders will stp injuring patients. 80 In a breakthrugh article by Gerge J. Annas, J.D., M.P.H., the New England Jurnal f Medicine cnfirmed that litigatin against hspitals imprves the quality f care fr patients. The authr wrte, In the absence f a cmprehensive scial insurance system, the patient s right t safety can be enfrced nly by a legal claim against the hspital. [M]re liability suits against hspitals may be necessary t mtivate hspital bards t take patient safety mre seriusly. Anesthesilgists were mtivated by litigatin t imprve patient safety. As a result, this prfessin implemented 25-years-ag a prgram t make anesthesia safer fr patients and as a result, the risk f death frm anesthesia drpped frm 1 in 5000 t abut 1 in 250, Numerus ther medical practices have been made safer nly after the families f sick and injured patients filed lawsuits against thse respnsible. In additin t anesthesia prcedures, these include catheter placements, drug prescriptins, hspital staffing levels, infectin cntrl, nursing hme care and trauma care. 82 As a result f such lawsuits, the lives f cuntless ther patients have been saved. The Harvard Medical Practice Study als acknwledged, [T]he litigatin system seems t prtect many patients frm being injured in the first place. And since preventin befre the fact is generally preferable t cmpensatin after the fact, the apparent injury preventin effect must be an imprtant factr in the debate abut the future f the malpractice litigatin system. 83 FEAR OF LITIGATION IS NOT THE MAIN REASON DOCTORS FAIL TO REPORT ERRORS. A January 2012 reprt frm the U.S. Department f Health and Human Services (HHS) fund that massive errr underreprting at hspitals is caused by widespread emplyee failure t recgnize patient harm. 84 Accrding t the HHS Inspectr General, [T]he prblem is that hspital emplyees d nt recgnize what cnstitutes patient harm r d nt realize that particular events harmed patients and shuld be reprted. In sme cases, he said, emplyees 8

9 assumed smene else wuld reprt the episde, r they thught it was s cmmn that it did nt need t be reprted, r suspected that the events were islated incidents unlikely t recur. 85 Accrding t a 2006 study by Dr. Thmas Gallagher, a University f Washingtn internalmedicine physician and c-authr f tw studies published in the Archives f Internal Medicine, Cmparisns f hw Canadian and U.S. dctrs disclse mistakes pint t a culture f medicine, nt lawyers, fr their behavir. 86 In Canada, there are n juries, nn-ecnmic awards are severely capped and if patients lse their lawsuits, they have t pay the dctrs legal bills yet dctrs are just as reluctant t fess up t mistakes. 87 Mrever, dctrs thughts n hw likely they were t be sued didn t affect their decisins t disclse errrs. 88 The authrs believed the main culprit is a culture f medicine, which starts in medical schl and instills a culture f perfectinism that desn t train dctrs t talk abut mistakes. 89 Research by Gerge J. Annas, J.D., M.P.H. fund that nly ne quarter f dctrs disclsed errrs t their patients, 90 but the result was nt that much different in New Zealand, a cuntry that has had n-fault malpractice insurance 91 (i.e., n litigatin against dctrs) fr decades. In ther wrds, [t]here are many reasns why physicians d nt reprt errrs, including a general reluctance t cmmunicate with patients and a fear f disciplinary actin r a lss f psitin r privileges. 92 THE BEST WAY TO REDUCE MALPRACTICE LITIGATION IS TO REDUCE THE AMOUNT OF MALPRACTICE. As the Rand Institute fr Civil Justice fund in its 2010 study f Califrnia malpractice: Our results shwed a highly significant crrelatin between the frequency f adverse events and malpractice claims: On average, a cunty that shws a decrease f 10 adverse events in a given year wuld als see a decrease f 3.7 malpractice claims. Likewise, a cunty that shws an increase f 10 adverse events in a given year wuld als see, n average, an increase f 3.7 malpractice claims. Accrding t the statistical analysis, nearly three-furths f the within-cunty variatin in annual malpractice claims culd be accunted fr by the changes in patient safety utcmes. 93 We als fund that the crrelatin held true when we cnducted similar analyses fr medical specialties specifically, surgens, nnsurgical physicians, and bstetrician/gyneclgists (OB-GYNs). Nearly tw-thirds f the variatin in malpractice claiming against surgens and nnsurgens can be explained by changes in safety. The assciatin is weaker fr OB-GYNs, but still significant. 94 These findings are cnsistent with the basic hypthesis that iatrgenic harms are a precursr t malpractice claims, such that mdifying the frequency f medical injuries has an impact n the vlume f litigatin that spills ut f them. Althugh this is an intuitive relatinship, it is nt ne that has been well validated previusly. It suggests that safety interventins that imprve patient utcmes have the ptential t reduce malpractice claiming, and in turn, malpractice pressure n prviders. 95 [N]ew safety interventins ptentially can have psitive effects n the vlume f malpractice litigatin a desirable result t seek ut, even beynd the immediate impact f medical injuries avided. 96 Presumably, the ne thing that all parties t the debate can agree n is that reducing malpractice activity by reducing the number f iatrgenic injuries is a gd idea. Arguments 9

10 abut the merits f statutry trt interventin will surely cntinue in the future, but t the extent that imprved safety perfrmance can be shwn t have a demnstrable impact n malpractice claims, that ffers anther fcal pint fr plicymakers in seeking t address the malpractice crisis. Based n the results f the current study, we wuld suggest that that fcal pint may be mre immediately relevant than has previusly been recgnized. 97 Updated January NOTES 1 Rbert C. LaFuntain and Cynthia G. Lee, Medical Malpractice Litigatin in State Curts (April 2011) at 1, fund at 2 U.S. Department f Health and Human Services, Office f the Inspectr General, Adverse Events in Hspitals: Natinal Incidence Amng Medicare Beneficiaries (Nvember 2010), pp. i-ii, fund at 3 T Err Is Human, Building a Safer Health System, Institute f Medicine, Rbert C. LaFuntain and Cynthia G. Lee, Medical Malpractice Litigatin in State Curts (April 2011) at 2, 7, fund at Richard LaFuntain et al., Examining the Wrk f State Curts: An Analysis f 2008 State Curt Caselads (Natinal Center fr State Curts 2010) at 26, fund at 5 Richard LaFuntain et al., Examining the Wrk f State Curts: An Analysis f 2008 State Curt Caselads (Natinal Center fr State Curts 2010) at 26, fund at 6 Id. at 2. 7 Ibid. 8 Natinal Center fr State Curts, Trt Refrms Can Shape Medical Malpractice Caselad Trends (viewed December 15, 2011), fund at 9 Ibid. 10 Rbert C. LaFuntain and Cynthia G. Lee, Medical Malpractice Litigatin in State Curts (April 2011) at 3, fund at 11 U.S. Department f Justice, Bureau f Justice Statistics, Trt Bench and Jury Trials in State Curts, 2005, NCJ (Nvember 2009) at 14 (Table 13), fund at 12 Id. at 12 (Table 12). 13 U.S. Department f Justice, Bureau f Justice Statistics, Civil Bench and Jury Trials in State Curts, 2005, NCJ (Octber 2008) (revised April 9, 2009) at 2 (Table 1), fund at 14 Id. at 8, 9 (Table 10). 15 U.S. Department f Justice, Bureau f Justice Statistics, Trt Bench and Jury Trials in State Curts, 2005, NCJ (Nvember 2009) at 2 (Table 1), fund at 16 Id. at 12 (Table 12). 17 David M. Studdert et al., Claims, Errrs, and Cmpensatin Payments in Medical Malpractice Litigatin, 354 N Engl J Med 2024, 2026 (2006), fund at 18 Testimny f Neil Vidmar, Russell M. Rbinsn II Prfessr f Law, Duke Law Schl, befre the U.S. Senate Cmmittee n Health, Educatin, Labr and Pensins, Hearing n Medical Liability: New Ideas fr Making the System Wrk Better fr Patients, June 22, 2006 at 17 (citatins mitted), fund at help.senate.gv/im/media/dc/vidmar.pdf. 19 Id. at 17-18, Id. at Ibid. 22 Fr an extensive list f studies demnstrating the cmpetence f juries, see, e.g., Testimny f Neil Vidmar, Russell M. Rbinsn II Prfessr f Law, Duke Law Schl, befre the U.S. Senate Cmmittee n Health, Educatin, Labr and Pensins, Hearing n Medical Liability: New Ideas fr Making the System Wrk Better fr Patients, June 22, 2006 at 10, fund at help.senate.gv/im/media/dc/vidmar.pdf. See als, Valerie P. Hans and 10

11 Neil Vidmar, The Verdict n Juries, 91 Judicature 226, 227 (March-April 2008), fund at Marc Galanter, Real Wrld Trts: An Antidte t Anecdte, 55 Md. L. Rev. 1093, 1109, n. 45 (1996), citing Michael J. Saks, Small-Grup Decisin Making and Cmplex Infrmatin Tasks (1981); Rbert MacCun, Inside the Black Bx: What Empirical Research Tells Us Abut Decisinmaking by Civil Juries, in Verdict: Assessing the Civil Jury System 137 (Brkings Institutin, Rbert E. Litan ed., 1993); Christy A. Visher, Jurr Decisin Making: The Imprtance f Evidence, 11 Law & Hum. Behav. 1 (1987); Richard O. Lempert, Civil Juries and Cmplex Cases: Let s Nt Rush t Judgment, 80 Mich. L. Rev. 68 (1981). 23 Philip G. Peters, Jr., Dctrs & Juries, 105 U. Mich. L. Rev. 1453, 1454 (May 2007), fund at 24 Valerie P. Hans and Neil Vidmar, The Verdict n Juries, 91 Judicature 226, 227 (March-April 2008), fund at 25 Valerie P. Hans and Neil Vidmar, American Juries: The Verdict. Amherst, NY: Prmetheus Bks (2007) at Ibid. 27 Rbert C. LaFuntain and Cynthia G. Lee, Medical Malpractice Litigatin in State Curts (April 2011) at 4, fund at 28 Ibid. 29 U.S. Department f Justice, Bureau f Justice Statistics, Trt Bench and Jury Trials in State Curts, 2005, NCJ (Nvember 2009) at 4 (Table 4), fund at 30 Id. at 12 (Table 12). 31 Rbert C. LaFuntain and Cynthia G. Lee, Medical Malpractice Litigatin in State Curts (April 2011) at 6, fund at 32 Id. at Id. at Ibid. 35 U.S. Department f Justice, Bureau f Justice Statistics, Trt Bench and Jury Trials in State Curts, 2005, NCJ (Nvember 2009) at 5 (Table 5), fund at 36 Ibid. 37 U.S. Department f Justice, Bureau f Justice Statistics, Punitive Damage Awards in State Curts, 2005, NCJ (March 2011) at 4 (Table 5), fund at 38 U.S. Department f Justice, Bureau f Justice Statistics, Trt Bench and Jury Trials in State Curts, 2005, NCJ (Nvember 2009) at 12 (Table 12), fund at 39 Rbert C. LaFuntain and Cynthia G. Lee, Medical Malpractice Litigatin in State Curts (April 2011) at 4, fund at 40 Ibid. 41 Id. at Testimny f Neil Vidmar, Russell M. Rbinsn II Prfessr f Law, Duke Law Schl, befre the U.S. Senate Cmmittee n Health, Educatin, Labr and Pensins, Hearing n Medical Liability: New Ideas fr Making the System Wrk Better fr Patients, June 22, 2006 at 10, fund at help.senate.gv/im/media/dc/vidmar.pdf. 43 Public Citizen s Cngress Watch, Medical Malpractice Payments Declined Again in 2010 (May 2011) at 2, fund at This reprt analyzes data in the Natinal Practitiner Data Bank released May Ibid. 45 Id. at Id. at Id. at Id. at 8 (Figure 5). 49 Natinal Academy f Sciences, Institute f Medicine, T Err is Human (1999). 50 Katherine Harmn, Deaths frm avidable medical errr mre than duble in past decade, investigatin shws, Scientific American Blg, August 10, 2009, fund at Cathleen F. Crwley and Eric Nalder, Dead By Mistake, Hearst Newspapers, August 9, 2009, fund at See als, Cathleen F. Crwley and Eric Nalder, Year after reprt, patients still face risks, Hearst Newspapers, September 20, 2010, fund at 11

12 51 Public Citizen s Cngress Watch, Medical Malpractice Payments Declined Again in 2010 (May 2011) at 4 (Figure 1), fund at This reprt analyzes data in the Natinal Practitiner Data Bank released May Natinal Academy f Sciences, Institute f Medicine, T Err is Human (1999). 53 Cathleen F. Crwley and Eric Nalder, Dead By Mistake, Hearst Newspapers, August 9, 2009, fund at See als, Cathleen F. Crwley and Eric Nalder, Year after reprt, patients still face risks, Hearst Newspapers, September 20, 2010, fund at 54 U.S. Department f Justice, Bureau f Justice Statistics, Medical Malpractice Insurance Claims in Seven States, , NCJ (March 2007) at 1, fund at 55 Public Citizen s Cngress Watch, Medical Malpractice Payments Declined Again in 2010 (May 2011) at 1, fund at This reprt analyzes data in the Natinal Practitiner Data Bank released May Valerie P. Hans and Neil Vidmar, American Juries: The Verdict. Amherst, NY: Prmetheus Bks (2007) at Id. at Id. at Ibid. 60 Ibid. 61 David A. Hyman et al., D Defendants Pay What Juries Award? Pst-Verdict Haircuts in Texas Medical Malpractice Cases, , 4 Jurnal f Empirical Legal Studies 3 (March 2007), fund at 62 Id. at 3, Ibid. 64 Id. at Ibid. 66 Id. at 4, Id. at Shirley Svrny, Culd Mandatry Caps n Medical Malpractice Damages Harm Cnsumers? Cat Institute, Octber 20, 2011 at 3, fund at 69 Ibid. 70 Ibid. 71 Ibid. 72 David M. Studdert et al., Claims, Errrs, and Cmpensatin Payments in Medical Malpractice Litigatin, 354 N Engl J Med 2024, 2025, 2031(2006), fund at 73 Id. at Id. at Id. at (2006). 76 Id. at Ibid. 78 David A Hyman and Charles Silver, The Pr State f Health Care Quality in the U.S.: Is Malpractice Liability Part f the Prblem r Part f the Slutin?, 90 Crnell L. Rev. 893, 917 (2005). 79 Ibid at 920, Maxwell J. Mehlman and Dale A. Nance, Medical Injustice: The Case Against Health Curts (2007) at 47, citing David A. Hyman & Charles Silver, Medical Malpractice Litigatin and Trt Refrm: It s the Incentives, Stupid, 59 Vand. L. Rev. 1085, 1131 (2006). 81 Gerge J. Annas, J.D., M.P.H., The Patient s Right t Safety Imprving the Quality f Care thrugh Litigatin against Hspitals, New England Jurnal f Medicine, May 11, Meghan Mulligan & Emily Gttlieb, Hspital and Medical Prcedures, Lifesavers: CJ&D s Guide t Lawsuits that Prtect Us All, Center fr Justice & Demcracy (2002) at A-36 et seq., B-12 et seq. 83 Maxwell J. Mehlman and Dale A. Nance, Medical Injustice: The Case Against Health Curts (2007) at 47, citing Paul C. Weiler, Jseph P. Newhuse, & Hward H. Hiatt, A Measure Of Malpractice: Medical Injury, Malpractice Litigatin, And Patient Cmpensatin 133 (1993). 12

13 84 Rbert Pear, Reprt Finds Mst Errrs at Hspitals G Unreprted, New Yrk Times, January 6, 2012, fund at (citing U.S. Department f Health and Human Services, Office f the Inspectr General, Hspital Incident Reprting Systems D Nt Capture Mst Patient Harm (January 2012), fund at pdf). 85 Ibid. 86 Carl M. Ostrm, Lawsuit fears aren t reasn fr dcs silence, studies say, Seattle Times, August 17, 2006, fund at (citing frm Thmas Gallagher, M.D. et al, Chsing yur Wrds Carefully: Hw Physicians Wuld Disclse Harmful Medical Errrs t Patients, Archives f Internal Medicine, August 14, 2006). 87 Ibid. 88 Ibid. 89 Ibid. 90 Gerge J. Annas, J.D., M.P.H., The Patient s Right t Safety Imprving the Quality f Care thrugh Litigatin against Hspitals, New England Jurnal f Medicine, May 11, Ibid. 92 Ibid. 93 Michael D. Greenberg et al., Is Better Patient Safety Assciated with Less Malpractice Activity? Evidence frm Califrnia, Rand Crpratin (2010) at x, fund at 94 Ibid. 95 Id. at Id. at Id. at

Small Business Fraud Custom Study among Small Business Owners Conducted for SunTrust Banks/National Small Business Association/Edelman

Small Business Fraud Custom Study among Small Business Owners Conducted for SunTrust Banks/National Small Business Association/Edelman Small Business Fraud Custm Study amng Small Business Owners Cnducted fr SunTrust Banks/Natinal Small Business Assciatin/Edelman Octber 17, 2007 Objective & Methdlgy Objective In cllabratin with SunTrust

More information

WHAT SHOULD I LOOK FOR WHEN I BUY HEALTH INSURANCE?

WHAT SHOULD I LOOK FOR WHEN I BUY HEALTH INSURANCE? WHAT SHOULD I LOOK FOR WHEN I BUY HEALTH INSURANCE? The Maine Bureau f Insurance 34 State Huse Statin Augusta, Maine 04333 207-624-8475 r 1-800-300-5000 (in Maine) http://www.maine.gv/pfr/insurance Paul

More information

What Does Specialty Own Occupation Really Mean?

What Does Specialty Own Occupation Really Mean? What Des Specialty Own Occupatin Really Mean? Plicy definitins are cnfusing, nt nly t cnsumers but als t many f the insurance prfessinals wh sell them. Belw we will try t prvide an understandable explanatin

More information

Whenever practicable, the cap should be discussed and specifically agreed with the other party. This is discussed further below, see Agreeing a cap.

Whenever practicable, the cap should be discussed and specifically agreed with the other party. This is discussed further below, see Agreeing a cap. Liability Briefing updated Octber 2008 Managing liability thrugh financial caps 26 Stre Street Lndn WC1E 7BT Tel: 020 7399 7400 Fax: 020 399 7425 Every well-run business must manage the risks that it faces

More information

Phi Kappa Sigma International Fraternity Insurance Billing Methodology

Phi Kappa Sigma International Fraternity Insurance Billing Methodology Phi Kappa Sigma Internatinal Fraternity Insurance Billing Methdlgy The Phi Kappa Sigma Internatinal Fraternity Executive Bard implres each chapter t thrughly review the attached methdlgy and plan nw t

More information

Annuities and Senior Citizens

Annuities and Senior Citizens Illinis Insurance Facts Illinis Department f Insurance January 2010 Annuities and Senir Citizens Nte: This infrmatin was develped t prvide cnsumers with general infrmatin and guidance abut insurance cverages

More information

CONTENTS UNDERSTANDING PPACA. Implications of PPACA Relative to Student Athletes. Institution Level Discussion/Decisions.

CONTENTS UNDERSTANDING PPACA. Implications of PPACA Relative to Student Athletes. Institution Level Discussion/Decisions. This dcument is intended t prvide NCAA member institutins with an infrmatinal guide regarding the ptential implicatins f the Patient Prtectin and Affrdable Care Act f 2010 (PPACA) when fully implemented

More information

Health Care Reform: The New Law

Health Care Reform: The New Law Health Care Refrm: The New Law Prfessr Sidney D. Watsn April 7, 2010 On March 23, 2010 President Obama signed int law the Patient Prtectin and Affrdable Care Act (H.R. 3590). On March 29, the President

More information

JOINT COMMITTEE ON HEALTH & CHILDREN- THURSDAY 22 JANUARY 2015 OPENING REMARKS, SIMON KAYLL, CEO, MEDICAL PROTECTION SOCIETY

JOINT COMMITTEE ON HEALTH & CHILDREN- THURSDAY 22 JANUARY 2015 OPENING REMARKS, SIMON KAYLL, CEO, MEDICAL PROTECTION SOCIETY THE CHALLENGES FACING THE MEDICAL PROFESSION ARISING OUT OF THE HIGH COST OF PROFESSIONAL MEDICAL INDEMNITY INSURANCE AND HOW THESE CHALLENGES ARE BEING MET JOINT COMMITTEE ON HEALTH & CHILDREN- THURSDAY

More information

REFERENCE ACTION ANALYST STAFF DIRECTOR 1) Insurance, Business & Financial Affairs Policy Committee Reilly Cooper SUMMARY ANALYSIS

REFERENCE ACTION ANALYST STAFF DIRECTOR 1) Insurance, Business & Financial Affairs Policy Committee Reilly Cooper SUMMARY ANALYSIS HOUSE OF REPRESENTATIVES STAFF ANALYSIS BILL #: HB 903 Wrkers' Cmpensatin Attrney's Fees SPONSOR(S): Flres and thers TIED BILLS: IDEN./SIM. BILLS: REFERENCE ACTION ANALYST STAFF DIRECTOR 1) Insurance,

More information

Corporations Q&A. Shareholders. 2006 Edward R. Alexander, Jr.

Corporations Q&A. Shareholders. 2006 Edward R. Alexander, Jr. Crpratins Q&A. What is a crpratin and why frm ne? A crpratin is a business entity that is separate and distinct frm its wners. It can enter cntracts, sue and be sued withut invlving its wners (the sharehlders).

More information

~tpartmtnt ll~ ~u,;ti!t

~tpartmtnt ll~ ~u,;ti!t ~tpartmtnt ll~ ~u,;ti!t STATEMENT OF EDWIN MEESE III ATTORNEY GENERAL OF THE UNITED STATES UNITED STATES DEPARTMENT OF JUSTICE BEFORE THE SUBCOMMITTEE ON CONSUMER COMMITTEE ON COMMERCE, SCIENCE, AND TRANSPORTATION

More information

An employer s Guide to engaging an occupational health physician

An employer s Guide to engaging an occupational health physician An emplyer s Guide t engaging an ccupatinal health physician When and why d emplyers need the services f ccupatinal physicians? Being in business invlves risk. Business pprtunities are inherently uncertain

More information

Our ref: Accident Compensation / Tort Law Committee 22 March 2013. OPERATION OF QUEENSLAND S WORKERS COMPENSATION SCHEME Additional Submission

Our ref: Accident Compensation / Tort Law Committee 22 March 2013. OPERATION OF QUEENSLAND S WORKERS COMPENSATION SCHEME Additional Submission Our ref: Accident Cmpensatin / Trt Law Cmmittee 22 March 2013 The Research Directr Finance and Administratin Cmmittee Parliament Huse Gerge Street BRISBANE QLD 4000 Dear Research Directr By email: fac@parliament.qld.gv.au

More information

Professional indemnity insurance arrangements for enrolled nurses, registered nurses and nurse practitioners

Professional indemnity insurance arrangements for enrolled nurses, registered nurses and nurse practitioners Guideline August 2013 Prfessinal indemnity insurance arrangements fr enrlled nurses, registered nurses and nurse practitiners Intrductin This guideline has been develped by the Nursing and Midwifery Bard

More information

PLANNING FOR QUALITY CARE AND INDEPENDENCE. Why you need to plan for long-term care assistance, and what funding options are available.

PLANNING FOR QUALITY CARE AND INDEPENDENCE. Why you need to plan for long-term care assistance, and what funding options are available. PLANNING FOR QUALITY CARE AND INDEPENDENCE Why yu need t plan fr lng-term care assistance, and what funding ptins are available. PLANNING FOR QUALITY CARE AND INDEPENDENCE The value f planning ahead The

More information

Bl$wing the Whistle $n the New Whistlebl$wer Pr$tecti$ns Created by the D$dd-Frank Act. By: Michael James L$mbardin$

Bl$wing the Whistle $n the New Whistlebl$wer Pr$tecti$ns Created by the D$dd-Frank Act. By: Michael James L$mbardin$ Oct$ber 22, 2010 Bl$wing the Whistle $n the New Whistlebl$wer Pr$tecti$ns Created by the D$dd-Frank Act By: Michael James L$mbardin$ The "D&dd-Frank Wall Street Ref&rm and C&nsumer Pr&tecti&n Act" (D&dd-Frank)

More information

OUR DISCIPLINARY POLICY

OUR DISCIPLINARY POLICY OUR DISCIPLINARY POLICY WHO is this plicy fr? Channel 4 emplyees wh ve passed their prbatinary perid Channel 4 managers This plicy des nt frm part f any emplyee s cntract f emplyment and we may amend it

More information

SALARY CONSIDERATIONS FOR CANCER REGISTRARS

SALARY CONSIDERATIONS FOR CANCER REGISTRARS SALARY CONSIDERATIONS FOR CANCER REGISTRARS UPDATED 2012 SURVEY DATA SALARY CONSIDERATIONS FOR CANCER REGISTRARS UPDATED 2012 SURVEY DATA Natinal Cancer Registrars Assciatin 1340 Braddck Place, Suite 203

More information

To discuss Chapter 13 bankruptcy questions with our bankruptcy attorney, please call us or fill out a Free Evaluation form on our website.

To discuss Chapter 13 bankruptcy questions with our bankruptcy attorney, please call us or fill out a Free Evaluation form on our website. Intrductin This Ebk fcuses n Chapter 13 bankruptcy, hw it wrks, and hw it helps yu eliminate debt and keep yur assets (such as yur hme). We hpe yu find this infrmatin t be helpful. T discuss Chapter 13

More information

WHITE PAPER. Vendor Managed Inventory (VMI) is Not Just for A Items

WHITE PAPER. Vendor Managed Inventory (VMI) is Not Just for A Items WHITE PAPER Vendr Managed Inventry (VMI) is Nt Just fr A Items Why it s Critical fr Plumbing Manufacturers t als Manage Whlesalers B & C Items Executive Summary Prven Results fr VMI-managed SKUs*: Stck-uts

More information

Public consultation paper

Public consultation paper Public cnsultatin paper Nvember 2012 Public cnsultatin n guidelines fr prfessinal indemnity insurance arrangements fr nurses and nurse practitiners. Please prvide feedback by email t: nmbafeedback@ahpra.gv.au

More information

Identifying Disabilities in Children with Limited English Proficiency

Identifying Disabilities in Children with Limited English Proficiency Page 38 Identifying Disabilities in Children with Limited English Prficiency Alisn Beier Elementary General Educatin, Senir, Indiana University ABSTRACT Research shws there is a disprprtinal number f limited

More information

March 2016 Group A Payment Issues: Missing Information-Loss Calculation letters ( MILC ) - deficiency resolutions: Outstanding appeals:

March 2016 Group A Payment Issues: Missing Information-Loss Calculation letters ( MILC ) - deficiency resolutions: Outstanding appeals: The fllwing tpics were discussed in the March 24, 2016 meeting with law firms representing VCF claimants. Grup A Payment Issues: We cntinue t fcus n paying Grup A claims in full and are meeting the schedule

More information

Fixed vs. Variable Interest Rates

Fixed vs. Variable Interest Rates Fixed vs. Variable Interest Rates Understanding the Advantages and Disadvantages f Each Rate Type When shpping fr financial prducts, there are a lt f factrs t cnsider. Much has changed in the financial

More information

Corporate Standards for data quality and the collation of data for external presentation

Corporate Standards for data quality and the collation of data for external presentation The University f Kent Crprate Standards fr data quality and the cllatin f data fr external presentatin This paper intrduces a set f standards with the aim f safeguarding the University s psitin in published

More information

Change Management Process

Change Management Process Change Management Prcess B1.10 Change Management Prcess 1. Intrductin This plicy utlines [Yur Cmpany] s apprach t managing change within the rganisatin. All changes in strategy, activities and prcesses

More information

Findings on Health Care Cost, Pricing and Reimbursement in Alaska 1 Excerpted from Annual Reports of the Alaska Health Care Commission

Findings on Health Care Cost, Pricing and Reimbursement in Alaska 1 Excerpted from Annual Reports of the Alaska Health Care Commission Findings n Health Care Cst, Pricing and Reimbursement in Alaska 1 Excerpted frm Annual Reprts f the Alaska Health Care Cmmissin 2011 Findings n Cst f Health Care in Alaska (2011 Annual Reprt) i Health

More information

IN-HOUSE OR OUTSOURCED BILLING

IN-HOUSE OR OUTSOURCED BILLING IN-HOUSE OR OUTSOURCED BILLING Medical billing is ne f the mst cmplicated aspects f running a medical practice. With thusands f pssible cdes fr diagnses and prcedures, and multiple payers, the ability

More information

Online Banking Agreement

Online Banking Agreement Online Banking Agreement 1. General This Online Banking Agreement, which may be amended frm time t time by us (this "Agreement"), fr accessing yur Clrad Federal Savings Bank accunt(s) via the Internet

More information

FINANCIAL OPTIONS. 2. For non-insured patients, payment is due on the day of service.

FINANCIAL OPTIONS. 2. For non-insured patients, payment is due on the day of service. FINANCIAL OPTIONS 1. Fr thse patients wh carry dental insurance, all c-payments are due n date f service. We will file yur claim as a service t yu, and will d ur very best t maximize yur benefits. We accept

More information

WORKPLACE INJURY/ILLNESS/INCIDENT INVESTIGATION & REPORTING POLICY (BC VERSION)

WORKPLACE INJURY/ILLNESS/INCIDENT INVESTIGATION & REPORTING POLICY (BC VERSION) WORKPLACE INJURY/ILLNESS/INCIDENT INVESTIGATION & REPORTING POLICY (BC VERSION) Intrductin: Hw t Use This Tl As d all ther jurisdictins, BC requires emplyers t investigate and reprt specific kinds f wrkplace

More information

Valuation Analysis: The Role of the Expert in Litigation

Valuation Analysis: The Role of the Expert in Litigation Valuatin Analysis: The Rle f the Expert in Litigatin In cmmercial litigatin the valuatin expert must balance varying methds and the use f judgment in delivering an ptimal result and then must be prepared

More information

What Happens To My Benefits If I Get a Bunch of Money? TANF Here is what happens if you are on the TANF program when you get lump-sum income:

What Happens To My Benefits If I Get a Bunch of Money? TANF Here is what happens if you are on the TANF program when you get lump-sum income: 126 Sewall Street Augusta, Maine 04330-6822 TTY/Vice: (207) 626-7058 Fax: (207) 621-8148 www.mejp.rg What Happens T My Benefits If I Get a Bunch f Mney? Each prgram, (TANF, SSI, MaineCare, etc.) has its

More information

COMMONLY ASKED INTERVIEW QUESTIONS & STRATEGIES TO ANSWER THEM

COMMONLY ASKED INTERVIEW QUESTIONS & STRATEGIES TO ANSWER THEM COMMONLY ASKED INTERVIEW QUESTIONS & STRATEGIES TO ANSWER THEM Office f Career & Prfessinal Develpment 2014, UC Hastings Cllege f the Law The fllwing are examples f the mst cmmn interview questins. Speak

More information

Coordinating Dual Eligibles Medicare and Medicaid Managed Medical Assistance Benefits

Coordinating Dual Eligibles Medicare and Medicaid Managed Medical Assistance Benefits Crdinating Dual Eligibles Medicare and Medicaid Managed Medical Assistance Benefits Medicare beneficiaries wh have limited incme and resurces may get help paying fr their Medicare premiums and ut-f-pcket

More information

Data Protection Act Data security breach management

Data Protection Act Data security breach management Data Prtectin Act Data security breach management The seventh data prtectin principle requires that rganisatins prcessing persnal data take apprpriate measures against unauthrised r unlawful prcessing

More information

House Officer Introduction to Medical Malpractice Issues. Presented by The Louisiana Attorney General s Office

House Officer Introduction to Medical Malpractice Issues. Presented by The Louisiana Attorney General s Office Huse Officer Intrductin t Medical Malpractice Issues Presented by The Luisiana Attrney General s Office What are my chances f being sued? Gyneclgy, Allergy and Dermatlgy Once every 11 years Family Practice,

More information

Watlington and Chalgrove GP Practice - Patient Satisfaction Survey 2011

Watlington and Chalgrove GP Practice - Patient Satisfaction Survey 2011 Watlingtn and Chalgrve GP - Patient Satisfactin Survey 2011 Backgrund During ne week in Nvember last year patients attending either the Chalgrve r the Watlingtn surgeries were asked t cmplete a survey

More information

DALBAR Due Diligence: Trust, but Verify

DALBAR Due Diligence: Trust, but Verify BEST INTEREST INVESTMENT RECOMMENDATIONS Advisr Rle under Best Interest Regulatins January 27, 2016 In the era when the cntractual bligatin is t act in the client s best interest, investment decisins can

More information

Who Defines Fraud, Waste, and Abuse?

Who Defines Fraud, Waste, and Abuse? Wh Defines Fraud, Waste, and Abuse? This dcument cntains a sample f the varius definitins f the terms Fraud, Waste, and Abuse frm gvernment agencies and health plans. There are mre. The lack f a cncrete

More information

E-ALERT Financial Services October 17, 2011

E-ALERT Financial Services October 17, 2011 E-ALERT Financial Services Octber 17, 2011 THE FINANCIAL SERVICES SECTOR AND THE BRIBERY ACT: THE ROLE OF THE UK FINANCIAL SERVICES AUTHORITY The actin we have taken against Willis Limited shws that we

More information

STATEMENT OF. Alice M. Rivlin Director Congressional Budget Office

STATEMENT OF. Alice M. Rivlin Director Congressional Budget Office STATEMENT OF Alice M. Rivlin Directr Cngressinal Budget Office befre the Special Cmmittee n Aging United States Senate June 16, 1981 Mr. Chairman: I am pleased t appear befre this Cmmittee t discuss shrt-term

More information

Determining European KOL Compensation Fair-Market Value Benchmarks

Determining European KOL Compensation Fair-Market Value Benchmarks Determining Eurpean KOL Cmpensatin Fair-Market Value Benchmarks QUICK SUMMARY Reprt Features Table f Cntents Key Metrics Sample Cntent Charts and Graphs Abut CEI REPORT DATE AND FORMAT 2011 Adbe PDF E-Cpy

More information

FTE is defined as an employee who is employed on average at least 30 hours of service per week.

FTE is defined as an employee who is employed on average at least 30 hours of service per week. On March 23, 2010, President Barack Obama signed int law cmprehensive health care refrm legislatin, the Patient Prtectin and Affrdable Care Act (H.R. 3590) passed in the Senate. The Health Care and Educatin

More information

UNIVERSITY OF CALIFORNIA MERCED PERFORMANCE MANAGEMENT GUIDELINES

UNIVERSITY OF CALIFORNIA MERCED PERFORMANCE MANAGEMENT GUIDELINES UNIVERSITY OF CALIFORNIA MERCED PERFORMANCE MANAGEMENT GUIDELINES REFERENCES AND RELATED POLICIES A. UC PPSM 2 -Definitin f Terms B. UC PPSM 12 -Nndiscriminatin in Emplyment C. UC PPSM 14 -Affirmative

More information

Table of Contents. Executive Summary. The Problem Preventable Medical Errors Dollars Better Spent on Patient Safety. o o

Table of Contents. Executive Summary. The Problem Preventable Medical Errors Dollars Better Spent on Patient Safety. o o Table f Cntents Executive Summary The Prblem Preventable Medical Errrs Dllars Better Spent n Patient Safety The Patients Medical Negligence Lawsuits Few and Far Between Accuntability Nt Jackpts The Insurance

More information

NON-CATASTROPHIC HOMEOWNERS WATER CLAIMS

NON-CATASTROPHIC HOMEOWNERS WATER CLAIMS NON-CATASTROPHIC HOMEOWNERS WATER CLAIMS JANUARY 2016 Citizens Prperty Insurance Crpratin EXECUTIVE SUMMARY: AOB AND LITIGATION ARE A POCKETBOOK PROBLEM In Octber 2015, the Office f Insurance Regulatin

More information

Key Steps for Organizations in Responding to Privacy Breaches

Key Steps for Organizations in Responding to Privacy Breaches Key Steps fr Organizatins in Respnding t Privacy Breaches Purpse The purpse f this dcument is t prvide guidance t private sectr rganizatins, bth small and large, when a privacy breach ccurs. Organizatins

More information

HOW TO SELECT A LIFE INSURANCE COMPANY

HOW TO SELECT A LIFE INSURANCE COMPANY HOW TO SELECT A LIFE INSURANCE COMPANY There will prbably be hundreds f life insurance cmpanies t chse frm when yu decide t purchase a life insurance plicy. Hw d yu decide which ne? Mst cmpanies are quite

More information

IFRS Discussion Group

IFRS Discussion Group IFRS Discussin Grup Reprt n the Public Meeting February 26, 2014 The IFRS Discussin Grup is a discussin frum nly. The Grup s purpse is t assist the Accunting Standards Bard (AcSB) regarding issues arising

More information

Small Business, Enterprise and Employment Bill: Insolvency fact sheets Contents

Small Business, Enterprise and Employment Bill: Insolvency fact sheets Contents 1 Small Business, Enterprise and Emplyment Bill: Inslvency fact sheets Cntents Directr Disqualificatin and Inslvency General Aims... 2 Administratin: sales t cnnected persns (prepack administratins)...

More information

Workers Compensation Employee Packet

Workers Compensation Employee Packet Wrkers Cmpensatin Emplyee Packet Cmplete the fllwing frms and return t Meagan Vrhies, Claims Crdinatr via fax (817) 735-0127, email at Meagan.Vrhies@untsystem.edu r in persn at Human Resurce Services (EAD-280).

More information

Insurance. Professional UabilitM Commercial & Other. Professional Uability Insurance. AnAbsolute Necessity

Insurance. Professional UabilitM Commercial & Other. Professional Uability Insurance. AnAbsolute Necessity Prfessinal UabilitM Cmmercial & Other Insurance AnAbslute Necessity I n August 2005, Illinis enacted medical malpractice refrm that limits the amunt a jury can award fr persnal pain and suffering t $500,000

More information

ONGOING FEEDBACK AND PERFORMANCE MANAGEMENT. A. Principles and Benefits of Ongoing Feedback

ONGOING FEEDBACK AND PERFORMANCE MANAGEMENT. A. Principles and Benefits of Ongoing Feedback ONGOING FEEDBACK AND PERFORMANCE MANAGEMENT A. Principles and Benefits f Onging Feedback While it may seem like an added respnsibility t managers already "full plate," managers that prvide nging feedback

More information

How to Address Key Selection Criteria

How to Address Key Selection Criteria Hw t Address Key Selectin Criteria Yu've seen an jb pprtunity that yu're interested in, n a jbs bard r in the press and want t apply, but where d yu start? A key requirement fr jbs in Gvernment is t respnd

More information

Personal Data Security Breach Management Policy

Personal Data Security Breach Management Policy Persnal Data Security Breach Management Plicy 1.0 Purpse The Data Prtectin Acts 1988 and 2003 impse bligatins n data cntrllers in Western Care Assciatin t prcess persnal data entrusted t them in a manner

More information

INVESTOR PREFERENCES IN SELECTING A FINANCIAL ADVISOR. December 1, 2014

INVESTOR PREFERENCES IN SELECTING A FINANCIAL ADVISOR. December 1, 2014 INVESTOR PREFERENCES IN SELECTING A FINANCIAL ADVISOR December 1, 2014 1 Table f Cntents Page Objectives & Methdlgy. 3 Executive Summary 4 Detailed Findings... 6 Questinnaire. 14 2 Objectives & Methdlgy

More information

Accident Investigation

Accident Investigation Accident Investigatin APPLICABLE STANDARD: 1960.29 EMPLOYEES AFFECTED: All emplyees WHAT IS IT? Accident investigatin is the prcess f determining the rt causes f accidents, n-the-jb injuries, prperty damage,

More information

INTRODUCTION HIGHLIGHTS AND KEY FINDINGS APRIL 2008

INTRODUCTION HIGHLIGHTS AND KEY FINDINGS APRIL 2008 MEDICARE PRESCRIPTION DRUG PLANS IN 2008 AND KEY CHANGES SINCE 2006: SUMMARY OF FINDINGS Prepared by Jack Hadley i, Elizabeth Hargrave ii, and Juliette Cubanski and Tricia Neuman iii INTRODUCTION APRIL

More information

To: From: Re: December 5, 2011

To: From: Re: December 5, 2011 December 5, 2011 T: Frm: Re: Interested Parties Ben Tulchin and Crey O Neil, Tulchin Research Califrnia Decline-t-State (DTS) Vters Shw Strng Prgressive, Pr-Envirnment Stance Tulchin Research recently

More information

The Allstate Foundation Domestic Violence Program 2015 Moving Ahead Financial Empowerment Grant

The Allstate Foundation Domestic Violence Program 2015 Moving Ahead Financial Empowerment Grant The Allstate Fundatin Dmestic Vilence Prgram 2015 Mving Ahead Financial Empwerment Grant Due Date: September 1, 2015 Online applicatin: https://www.grantrequest.cm/sid_1010?sa=sna&fid=35296 The Allstate

More information

Privacy Breach and Complaint Protocol

Privacy Breach and Complaint Protocol Privacy Breach and Cmplaint Prtcl Effective: December 31, 2012 Apprved by: Le McKenna, CFO 1.0 General Privacy breaches and privacy cmplaints will be handled in accrdance with this prtcl. This prtcl is

More information

Consumer Complaint Roadmap

Consumer Complaint Roadmap Cnsumer Cmplaint Radmap Step 1. What yu shuld knw befre yu begin. Refund and Exchange Plicies The nly case where a cnsumer has the abslute right t a return is when there is a defect in the prduct. Mst

More information

PART 6. Chapter 12. How to collect and use feedback from readers. Should you do audio or video recording of your sessions?

PART 6. Chapter 12. How to collect and use feedback from readers. Should you do audio or video recording of your sessions? TOOLKIT fr Making Written Material Clear and Effective SECTION 3: Methds fr testing written material with readers PART 6 Hw t cllect and use feedback frm readers Chapter 12 Shuld yu d audi r vide recrding

More information

The Patient Choice, Affordability, Responsibility, and Empowerment Act

The Patient Choice, Affordability, Responsibility, and Empowerment Act The Patient Chice, Affrdability, Respnsibility, and Empwerment Act January 30, 2014 In January 2014, Senatrs Richard Burr (NC), Tm Cburn (OK), and Orrin Hatch (UT) made public a prpsal the Patient Chice,

More information

Heythrop College Disciplinary Procedure for Support Staff

Heythrop College Disciplinary Procedure for Support Staff Heythrp Cllege Disciplinary Prcedure fr Supprt Staff Intrductin 1. This prcedural dcument des nt apply t thse academic-related staff wh are mentined in the Cllege s Ordinance, namely the Librarian and

More information

Provision Senate HELP Committee Bill (Affordable Health Choices Act) House Tri-Committee Bill, H.R. 3200 Individual Mandate

Provision Senate HELP Committee Bill (Affordable Health Choices Act) House Tri-Committee Bill, H.R. 3200 Individual Mandate August 7, 2009 Cmparisn f the Cverage Prvisins in the Affrdable Health Chices Act as Apprved by the Senate HELP Cmmittee and the Huse Tri-Cmmittee Bill, H.R. 3200, America s Affrdable Health Chices Act

More information

Updated PT, OT, and ST Benefit Changes for Acute Services for Texas Medicaid Effective January 1, 2014

Updated PT, OT, and ST Benefit Changes for Acute Services for Texas Medicaid Effective January 1, 2014 Updated PT, OT, and ST Benefit Changes fr Acute Services fr Texas Medicaid Effective January 1, 2014 Infrmatin psted December 31, 2013 Nte: This article applies t claims submitted t TMHP fr prcessing.

More information

Injured at Work? Bryan P. Stubbs. 5 Things You Must Do to Protect Your Rights. Law Offices. A Special Report from. Company Address

Injured at Work? Bryan P. Stubbs. 5 Things You Must Do to Protect Your Rights. Law Offices. A Special Report from. Company Address Injured at Wrk? 5 Things Yu Must D t Prtect Yur Rights A Special Reprt frm Bryan P. Stubbs Law Offices Cmpany Address A Nte: Legal Infrmatin Is Nt Legal Advice This reprt prvides infrmatin abut the wrkers

More information

The Cost Benefits of the Cloud are More About Real Estate Than IT

The Cost Benefits of the Cloud are More About Real Estate Than IT y The Cst Benefits f the Clud are Mre Abut Real Estate Than IT #$#%&'()*( An Osterman Research Executive Brief Published December 2010 "#$#%&'()*( Osterman Research, Inc. P.O. Bx 1058 Black Diamnd, Washingtn

More information

Baltimore Conference Call with Director of Student Services 11-18-13

Baltimore Conference Call with Director of Student Services 11-18-13 Baltimre Cnference Call with Directr f Student Services 11-18-13 80,000 students 85% FRL Cntent f Cde Had 26,000 suspensins per year --- had a 24% drp in Year 1 after Cde changed Suspensin nw used as last

More information

Student Academic Learning Services Page 1 of 7. Statistics: The Null and Alternate Hypotheses. A Student Academic Learning Services Guide

Student Academic Learning Services Page 1 of 7. Statistics: The Null and Alternate Hypotheses. A Student Academic Learning Services Guide Student Academic Learning Services Page 1 f 7 Statistics: The Null and Alternate Hyptheses A Student Academic Learning Services Guide www.durhamcllege.ca/sals Student Services Building (SSB), Rm 204 This

More information

THE EMPLOYMENT LAW DISPUTE SPECIALISTS DAMAGES BASED AGREEMENT. Your Employment Tribunal claim relating to your employment with...

THE EMPLOYMENT LAW DISPUTE SPECIALISTS DAMAGES BASED AGREEMENT. Your Employment Tribunal claim relating to your employment with... THE EMPLOYMENT LAW DISPUTE SPECIALISTS DAMAGES BASED AGREEMENT 1. What is cvered by this agreement Yur Emplyment Tribunal claim relating t yur emplyment with... 2. What is nt cvered by this agreement 2.1

More information

HOPE AND INFORMATION PROJECT INTERVIEWER GUIDE: NURSE RESPONDENTS

HOPE AND INFORMATION PROJECT INTERVIEWER GUIDE: NURSE RESPONDENTS HOPE AND INFORMATION PROJECT INTERVIEWER GUIDE: NURSE RESPONDENTS INTRODUCTION: We wuld like t learn abut hw nurses and dctrs wrk with patients in their need fr hpe, n the ne hand, and infrmatin abut their

More information

OIA Network Forum Leeds Metropolitan University, 7 November 2012

OIA Network Forum Leeds Metropolitan University, 7 November 2012 OIA Netwrk Frum Leeds Metrplitan University, 7 Nvember 2012 Presentatin by Rb Behrens: Eurpean directive n Alternative Dispute Reslutin (ADR): this will have an impact n the OIA if Higher Educatin lses

More information

April 2011. In addition, we encounter valuation practices that present concerns in certain contexts, including:

April 2011. In addition, we encounter valuation practices that present concerns in certain contexts, including: April 2011 We wanted t take the pprtunity prvided by the AICPA s recent release f the expsure draft Practice Aid t share with ur clients and friends sme bservatins and best practice suggestins n this tpic.

More information

Army DCIPS Employee Self-Report of Accomplishments Overview Revised July 2012

Army DCIPS Employee Self-Report of Accomplishments Overview Revised July 2012 Army DCIPS Emplyee Self-Reprt f Accmplishments Overview Revised July 2012 Table f Cntents Self-Reprt f Accmplishments Overview... 3 Understanding the Emplyee Self-Reprt f Accmplishments... 3 Thinking Abut

More information

YOUR NEW SOUTH WALES WORKERS COMPENSATION CLAIM

YOUR NEW SOUTH WALES WORKERS COMPENSATION CLAIM Gibney & Gunsn LAWYERS New Suth Wales & Victria YOUR NEW SOUTH WALES WORKERS COMPENSATION CLAIM Nt cvered by the scheme Injuries that ccur n the way t r frm wrk (wrkers wh are injured while driving during

More information

CMS Eligibility Requirements Checklist for MSSP ACO Participation

CMS Eligibility Requirements Checklist for MSSP ACO Participation ATTACHMENT 1 CMS Eligibility Requirements Checklist fr MSSP ACO Participatin 1. General Eligibility Requirements ACO participants wrk tgether t manage and crdinate care fr Medicare fee-fr-service beneficiaries.

More information

Dampier Bunbury Pipeline (DBP)

Dampier Bunbury Pipeline (DBP) Limited ABN 59 001 777 591 AFSL 232497 April 2011 (Update) Cst f Debt Summary Paper Dampier Bunbury Pipeline (DBP) IMPORTANT NOTE Nte 1 This dcument has been prepared by AMP Capital Investrs Limited (AMP

More information

POLISH STANDARDS ON HEALTH AND SAFETY AS A TOOL FOR IMPLEMENTING REQUIREMENTS OF THE EUROPEAN DIRECTIVES INTO THE PRACTICE OF ENTERPRISES

POLISH STANDARDS ON HEALTH AND SAFETY AS A TOOL FOR IMPLEMENTING REQUIREMENTS OF THE EUROPEAN DIRECTIVES INTO THE PRACTICE OF ENTERPRISES POLISH STANDARDS ON HEALTH AND SAFETY AS A TOOL FOR IMPLEMENTING REQUIREMENTS OF THE EUROPEAN DIRECTIVES INTO THE PRACTICE OF ENTERPRISES M. PĘCIŁŁO Central Institute fr Labur Prtectin ul. Czerniakwska

More information

Video Course Evaluation Form. Atty ID number for Pennsylvania: Name of Course You Just Watched

Video Course Evaluation Form. Atty ID number for Pennsylvania: Name of Course You Just Watched Garden State CLE 21 Winthrp Rad Lawrenceville, New Jersey 08648 (609) 895-0046 fax- 609-895-1899 Atty2starz@al.cm Vide Curse Evaluatin Frm Attrney Name Atty ID number fr Pennsylvania: Name f Curse Yu Just

More information

Legal Services Act: New forms of practice and regulation

Legal Services Act: New forms of practice and regulation Legal Services Act: New frms f practice and regulatin Cnsultatin paper 16 Better regulatin: A new apprach t regulating legal services firms and slicitrs 6/1/2009 Page 1 f 12 www.sra.rg.uk Cntents Intrductin...3

More information

Point2 Property Manager Quick Setup Guide

Point2 Property Manager Quick Setup Guide Click the Setup Tab Mst f what yu need t get started using Pint 2 Prperty Manager has already been taken care f fr yu. T begin setting up yur data in Pint2 Prperty Manager, make sure yu have cmpleted the

More information

St Andrews Christian College BOARD CONFLICT OF INTEREST POLICY

St Andrews Christian College BOARD CONFLICT OF INTEREST POLICY St Andrews Christian Cllege BOARD CONFLICT OF INTEREST POLICY April 2011 St Andrews Christian Cllege 2 Bard Cnflict f Interest Plicy Plicy Dcument Infrmatin Plicy Name Bard Cnflict f Interest Plicy Authr/Supervisr

More information

Grant Makers Income Security Task Force Chicago, Illinois September 2010

Grant Makers Income Security Task Force Chicago, Illinois September 2010 Wage Theft and ther wrkplace abuses: Injury at wrk: Grant Makers Incme Security Task Frce Chicag, Illinis September 2010 Lw-incme Illinisans literally wrking their way int pverty. Illinis Gvernr s Panel

More information

THE MAKE IT WORK CAMPAIGN S POLICY PROPOSAL ON CAREGIVING: CHILD CARE, EARLY EDUCATION, AFTER SCHOOL CARE AND LONG-TERM CARE

THE MAKE IT WORK CAMPAIGN S POLICY PROPOSAL ON CAREGIVING: CHILD CARE, EARLY EDUCATION, AFTER SCHOOL CARE AND LONG-TERM CARE THE MAKE IT WORK CAMPAIGN S POLICY PROPOSAL ON CAREGIVING: CHILD CARE, EARLY EDUCATION, AFTER SCHOOL CARE AND LONG-TERM CARE POLICY PROPOSAL ON CHILD CARE, EARLY EDUCATION, AFTER SCHOOL CARE As child care

More information

Group Income Protection (GIP) Claim Case Studies

Group Income Protection (GIP) Claim Case Studies www.gruprisk.rg.uk Grup Incme Prtectin (GIP) Claim Case Studies What is GIP? GIP is a plicy taken ut by emplyers t cver their prmise t prvide sick pay t emplyees if illness r injury prevents them wrking

More information

Frequently Asked Questions about the Faith A. Fields Nursing Scholarship Loan

Frequently Asked Questions about the Faith A. Fields Nursing Scholarship Loan ARKANSAS STATE BOARD OF NURSING 1123 S. University Avenue, Suite 800, University Twer Building, Little Rck, AR 72204 Phne: (501) 686-2700 Fax: (501) 686-2714 www.arsbn.rg Frequently Asked Questins abut

More information

The Ohio Board of Regents Credit When It s Due process identifies students who

The Ohio Board of Regents Credit When It s Due process identifies students who Credit When It s Due/ Reverse Transfer FAQ fr students Ohi is participating in a natinal grant initiative, Credit When It s Due, designed t implement reverse-transfer, which is a prcess t award assciate

More information

Aim The aim of a communication plan states the overall goal of the communication effort.

Aim The aim of a communication plan states the overall goal of the communication effort. Develping a Cmmunicatin Plan- Aim Aim The aim f a cmmunicatin plan states the verall gal f the cmmunicatin effrt. Determining the Aim Ask yurself r yur team what the verall gal f the cmmunicatin plan is.

More information

Taming the 5-Ton Elephant

Taming the 5-Ton Elephant Whlesaling, June 2007 Taming the 5-Tn Elephant The Prduct Liability Issue Previusly articles in this series have extensively utlined the risks and benefits that electrical distributrs face when cnsidering

More information

australian nursing federation

australian nursing federation australian nursing federatin Submissin t the public cnsultatin n the Nursing and Midwifery Bard f Australia draft Guidelines fr prfessinal indemnity insurance arrangements fr nurses and nurse practitiners

More information

The ADA: Your Employment Rights as an Individual With a Disability

The ADA: Your Employment Rights as an Individual With a Disability The ADA: Yur Emplyment Rights as an Individual With a Disability The U.S. Equal Emplyment Opprtunity Cmmissin ADDENDUM Since The Americans with Disabilities Act: Yur Respnsibilities as an Emplyer was published,

More information

LASTING POWER OF ATTORNEY EXPLANATORY LEAFLET

LASTING POWER OF ATTORNEY EXPLANATORY LEAFLET LASTING POWER OF ATTORNEY EXPLANATORY LEAFLET A Pwer f Attrney is a legal dcument where a persn gives anther persn r persns (the Attrney) authrity t make certain decisins n his r her behalf. A Lasting

More information

FINANCE SCRUTINY SUB-COMMITTEE

FINANCE SCRUTINY SUB-COMMITTEE REPORT FOR: PERFORMANCE AND FINANCE SCRUTINY SUB-COMMITTEE Date f Meeting: 6 January 2015 Subject: Staff Survey and Sickness Absence Mnitring Results and Actin plans Respnsible Officer: Scrutiny Lead Member

More information

Employees - recruitment, records and monitoring

Employees - recruitment, records and monitoring Emplyees - recruitment, recrds and mnitring This guidance has been prduced t help rganisatins cmply with the Data Prtectin Act (DPA) when recruiting and emplying wrkers. It is relevant t public sectr emplyers,

More information

Key Solar Lease Considerations for Landowners Tiffany Dowell Lashmet, Texas A&M Agrilife Extension. To which estate does the sun belong?

Key Solar Lease Considerations for Landowners Tiffany Dowell Lashmet, Texas A&M Agrilife Extension. To which estate does the sun belong? Key Slar Lease Cnsideratins fr Landwners Tiffany Dwell Lashmet, Texas A&M Agrilife Extensin In the last few mnths, I have heard frm several Texas landwners wh have been cntacted by slar cmpanies seeking

More information