Prevention vs. prosecution
Source: www.rdhmag.com Author: Dianne Glasscoe-Waterson Malpractice. The very word strikes fear in the hearts and minds of all health-care providers. In fact, according to risk management statistics, every dentist can expect at least one malpractice lawsuit in his or her practice lifetime. What about dental hygienists? Are they at risk? Should dental hygienists invest in their own malpractice insurance? Read on to learn of the unpleasant circumstances surrounding four dental hygienists. Limits of Malpractice Coverage Carol practiced dental hygiene for 25 years without carrying malpractice insurance. She reasoned that there was no need since the doctor's malpractice insurance covered her. When Carol's employer was sued for failure to diagnose oral cancer, Carol was named as a codefendant in the suit, as she had seen the patient for a preventive care appointment within the past year. While being named in any lawsuit was unsettling, Carol figured she really had nothing to worry about. She knew the doctor had malpractice insurance. What Carol did not know was that lawsuits can actually exceed the limits of the doctor's malpractice coverage. According to Jeff Tonner, JD, monetary awards for failure to diagnose oral cancer are the most common lawsuits to exceed the limits of coverage. If a lawsuit is successful and the limits of coverage are exceeded, codefendants can be saddled with monetary damages, because the doctor is the primary defendant. False Security Jan chose not to carry malpractice insurance. She felt it was really a waste of money, since she knew her employer's [...]