Podcast
Questions and Answers
What is the initial step in the claims management process?
What is the initial step in the claims management process?
- Resolution
- Investigation
- Reporting
- Identification (correct)
Which of the following best describes the role of a risk manager regarding insurance programs?
Which of the following best describes the role of a risk manager regarding insurance programs?
- Actively managing all claims regardless of insurance type.
- Completely uninvolved once insurance coverage is secured.
- Limited monitoring for commercially insured organizations. (correct)
- Focusing solely on self-insured aspects, ignoring commercial coverage.
According to the material, what constitutes a claim?
According to the material, what constitutes a claim?
- An attorney's initial consultation with a potential client
- A rumor or suspicion of potential harm
- Formal notification that monetary damages are being sought for an alleged injury (correct)
- A patient expressing general dissatisfaction with their care
Which element is described as being essential for a successful claims management program?
Which element is described as being essential for a successful claims management program?
A systematic approach to claims management aims primarily to achieve which of the following?
A systematic approach to claims management aims primarily to achieve which of the following?
During the 'investigation' phase of claims management, what is a crucial consideration when using outside investigators?
During the 'investigation' phase of claims management, what is a crucial consideration when using outside investigators?
Which activity is part of the 'Identification' stage in claims management?
Which activity is part of the 'Identification' stage in claims management?
Which of the following is an element of formal risk assessment, versus informal risk assessment?
Which of the following is an element of formal risk assessment, versus informal risk assessment?
What documentation related to a claim is time-sensitive and is used to communicate representation?
What documentation related to a claim is time-sensitive and is used to communicate representation?
What action should a risk manager take if a self-insured entity faces a major claim?
What action should a risk manager take if a self-insured entity faces a major claim?
In the context of claims management, what is 'taxonomy' used for?
In the context of claims management, what is 'taxonomy' used for?
What is the primary purpose of 'setting reserves' in claims management?
What is the primary purpose of 'setting reserves' in claims management?
What is the legal definition of "Res Ipsa Loquitur?"
What is the legal definition of "Res Ipsa Loquitur?"
In legal theories, respondeat superior refers to:
In legal theories, respondeat superior refers to:
What is the key characteristic of ostensible agency?
What is the key characteristic of ostensible agency?
Which of the following scenarios is most applicable to the legal theory of corporate negligence?
Which of the following scenarios is most applicable to the legal theory of corporate negligence?
What is the primary focus of legal theories related to 'exposures of healthcare entities'?
What is the primary focus of legal theories related to 'exposures of healthcare entities'?
Which scenario would most likely trigger a claim related to "Emergency Medical Services (EMS)"?
Which scenario would most likely trigger a claim related to "Emergency Medical Services (EMS)"?
According to the material, what are the four major components of controlling losses to implement when involved with Due Diligence?
According to the material, what are the four major components of controlling losses to implement when involved with Due Diligence?
Which of the following is correct regarding Insurer and Insured roles?
Which of the following is correct regarding Insurer and Insured roles?
Which of the following actions should the risk professional perform FIRST when a healthcare facility with a claims-made policy receives a request for demand?
Which of the following actions should the risk professional perform FIRST when a healthcare facility with a claims-made policy receives a request for demand?
What is the most relevant legal theory for not retaining a surgical sponge?
What is the most relevant legal theory for not retaining a surgical sponge?
A hospital is being sued for the actions of one of its employees. That action resulted in hypoglycemia after a glucose level was dropped, and permanent brain damage. The hospital has already been deemed as vicariously liable. What now?
A hospital is being sued for the actions of one of its employees. That action resulted in hypoglycemia after a glucose level was dropped, and permanent brain damage. The hospital has already been deemed as vicariously liable. What now?
You're a risk professional working with defense council on selecting an expert witness in which to defend yourself for alleged brease cancer. Which specialist would you retain?
You're a risk professional working with defense council on selecting an expert witness in which to defend yourself for alleged brease cancer. Which specialist would you retain?
A hospital receives a subpoena for some Medical Records. What is the correct course of action?
A hospital receives a subpoena for some Medical Records. What is the correct course of action?
According to the materials, what can a professional do to assist?
According to the materials, what can a professional do to assist?
What is the primary goal of claims management strategies?
What is the primary goal of claims management strategies?
In the context of healthcare claims, what does the term 'PCE' stand for?
In the context of healthcare claims, what does the term 'PCE' stand for?
Which of the following best describes the role of 'reporting' in the claims management process?
Which of the following best describes the role of 'reporting' in the claims management process?
During claims management, what is the role of 'analysis and classification'?
During claims management, what is the role of 'analysis and classification'?
What is the significance of maintaining a 'claim file'?
What is the significance of maintaining a 'claim file'?
Which of the following is a core tenet of Alternative Dispute Resolution (ADR)?
Which of the following is a core tenet of Alternative Dispute Resolution (ADR)?
Which document involved in the pleading process commands the defendant appears before a judge?
Which document involved in the pleading process commands the defendant appears before a judge?
Identify the advantage to using ADRs as an alternative to trial.
Identify the advantage to using ADRs as an alternative to trial.
In pre-trial precedures, what is a joinder?
In pre-trial precedures, what is a joinder?
Why is the initial step of claims management so very crucial?
Why is the initial step of claims management so very crucial?
During Trial, there has been an incident in which the jury acted inappropriately. What do you do? What do you dooo?
During Trial, there has been an incident in which the jury acted inappropriately. What do you do? What do you dooo?
What is the key factor that determines a risk manager's role in claims management?
What is the key factor that determines a risk manager's role in claims management?
What constitutes a formal claim?
What constitutes a formal claim?
What is the intended outcome of a systematic approach to claims management?
What is the intended outcome of a systematic approach to claims management?
When using outside investigators during the investigation phase, what is extremely crucial?
When using outside investigators during the investigation phase, what is extremely crucial?
What is an example of an informal risk identification system?
What is an example of an informal risk identification system?
Which is NOT a formal document typically produced during initial claims documentation?
Which is NOT a formal document typically produced during initial claims documentation?
In claims management, what does ‘taxonomy’ aid in?
In claims management, what does ‘taxonomy’ aid in?
Which of the following is the LEAST important factor to consider during claim investigation?
Which of the following is the LEAST important factor to consider during claim investigation?
What is the purpose of a documentation checklist in the claims management process?
What is the purpose of a documentation checklist in the claims management process?
During claims management, what does the ‘analysis and classification’ step primarily involve?
During claims management, what does the ‘analysis and classification’ step primarily involve?
In healthcare claims, what does the term ‘PCE’ refer to?
In healthcare claims, what does the term ‘PCE’ refer to?
According to insurers, what action may they take to validate accuracy of the claim?
According to insurers, what action may they take to validate accuracy of the claim?
What is the role of 'indemnity' in 'reserving'?
What is the role of 'indemnity' in 'reserving'?
What is included in Claim File Management?
What is included in Claim File Management?
In General Liability, what does 'Slander' refer to?
In General Liability, what does 'Slander' refer to?
What is the primary difference between 'Res Ipsa Loquitur' and 'Negligence per se'?
What is the primary difference between 'Res Ipsa Loquitur' and 'Negligence per se'?
Which of the following examples would be best described as 'Negligence Per Se'?
Which of the following examples would be best described as 'Negligence Per Se'?
How hospitals not reporting physician impairment to state licensing boards could lead to what?
How hospitals not reporting physician impairment to state licensing boards could lead to what?
In states where hospitals employ physicians, which legal doctrine could apply?
In states where hospitals employ physicians, which legal doctrine could apply?
If a doctor who is not directly employed seems to work for a hospital, they may be considered what?
If a doctor who is not directly employed seems to work for a hospital, they may be considered what?
When organizations assess acquisitions in healthcare, what is one of key factors?
When organizations assess acquisitions in healthcare, what is one of key factors?
What action can and should an enterprise risk professional do in reaction to their company suffering litigation?
What action can and should an enterprise risk professional do in reaction to their company suffering litigation?
When a healthcare facilities has been served with a demand, who is the FIRST to notify?
When a healthcare facilities has been served with a demand, who is the FIRST to notify?
What is the proper legal theory to use when hospitals are accused of negligence in retaining surgical sponges?
What is the proper legal theory to use when hospitals are accused of negligence in retaining surgical sponges?
Which outside specialist would you retain given a lawsuit for breast cancer?
Which outside specialist would you retain given a lawsuit for breast cancer?
What is the BEST reaction when a medical staff reports they accidentally saw the name of a famous celebrity?
What is the BEST reaction when a medical staff reports they accidentally saw the name of a famous celebrity?
To completely stop losses when thinking about Due Diligence, what are the major components?
To completely stop losses when thinking about Due Diligence, what are the major components?
Which statement accurately highlights the roles/responsibilities of healthcare facilities in medical malpractice claims?
Which statement accurately highlights the roles/responsibilities of healthcare facilities in medical malpractice claims?
Many processes or stages will assist in claims management. Which of the following statements aligns to such?
Many processes or stages will assist in claims management. Which of the following statements aligns to such?
In the lawsuit process, several things must occur. Which answer has the correct procedures (3)?
In the lawsuit process, several things must occur. Which answer has the correct procedures (3)?
What would define: document reciting all the allegations against defendant?
What would define: document reciting all the allegations against defendant?
What distinguishes a 'claim' from a 'potentially compensable event (PCE)' in healthcare risk management?
What distinguishes a 'claim' from a 'potentially compensable event (PCE)' in healthcare risk management?
How would a risk manager's role differ between a self-insured healthcare organization and one that is commercially insured?
How would a risk manager's role differ between a self-insured healthcare organization and one that is commercially insured?
Which of the following actions would be most effective in supporting healthcare staff during a high-anxiety claim event?
Which of the following actions would be most effective in supporting healthcare staff during a high-anxiety claim event?
What is the most critical element in ensuring an effective claims investigation when using outside investigators?
What is the most critical element in ensuring an effective claims investigation when using outside investigators?
In what scenario would the 'corporate negligence' legal theory be most applicable?
In what scenario would the 'corporate negligence' legal theory be most applicable?
In the context of legal claims, how does 'ostensible agency' most directly impact a healthcare facility?
In the context of legal claims, how does 'ostensible agency' most directly impact a healthcare facility?
Which statement best encapsulates the relationship between ‘benchmarking’ and claim taxonomy?
Which statement best encapsulates the relationship between ‘benchmarking’ and claim taxonomy?
During claim file management, what is the primary rationale for meticulously organizing documentation in a logical order?
During claim file management, what is the primary rationale for meticulously organizing documentation in a logical order?
What's the primary role of insurance coverage information within a claim file?
What's the primary role of insurance coverage information within a claim file?
What is the most accurate interpretation of insurer's 'duty to defend' in the context of claim management and litigation?
What is the most accurate interpretation of insurer's 'duty to defend' in the context of claim management and litigation?
In the setting of claim file management, what is the correct order when arranging documents?
In the setting of claim file management, what is the correct order when arranging documents?
During the 'analysis and classification' phase of claims management, what would indicate the strongest and most suitable methodology for determining the claim?
During the 'analysis and classification' phase of claims management, what would indicate the strongest and most suitable methodology for determining the claim?
Which of the following is the LEAST accurate statement regarding legal theories?
Which of the following is the LEAST accurate statement regarding legal theories?
Why does Healthcare fail to report impairment to state licensing boards?
Why does Healthcare fail to report impairment to state licensing boards?
What would be NOT expected when thinking about EMS (Emergency Medical Services)?
What would be NOT expected when thinking about EMS (Emergency Medical Services)?
If a lawsuit occurs, which Due Diligence option might prevent a legal issue from re-occuring?
If a lawsuit occurs, which Due Diligence option might prevent a legal issue from re-occuring?
During the lawsuit process, match the correct order of events.
During the lawsuit process, match the correct order of events.
Within ADR (Alternative Dispute Resolution) what is something you would NOT consider?
Within ADR (Alternative Dispute Resolution) what is something you would NOT consider?
Which Healthcare Providers should an expert expect to treat carefully through contracting?
Which Healthcare Providers should an expert expect to treat carefully through contracting?
In the event that a healthcare entity's actions result in the misinterpretation of diagnostic imaging, leading to delayed treatment and subsequent harm, which legal theory would MOST likely be central to the ensuing claim?
In the event that a healthcare entity's actions result in the misinterpretation of diagnostic imaging, leading to delayed treatment and subsequent harm, which legal theory would MOST likely be central to the ensuing claim?
A self-insured healthcare organization discovers a historical pattern of inadequate peer review processes stemming from poor taxonomy application, leading to delayed identification of systemic risks. How would a defense attorney leverage this discovery in a subsequent claim?
A self-insured healthcare organization discovers a historical pattern of inadequate peer review processes stemming from poor taxonomy application, leading to delayed identification of systemic risks. How would a defense attorney leverage this discovery in a subsequent claim?
During the litigation process, plaintiffs' legal counsel requests the metadata associated with changes made to an electronic health record (EHR) after a Potential Compensable Event (PCE). The defense argues that the metadata is not subject to discovery due to privilege. Under what legal rationale would the defense prevail?
During the litigation process, plaintiffs' legal counsel requests the metadata associated with changes made to an electronic health record (EHR) after a Potential Compensable Event (PCE). The defense argues that the metadata is not subject to discovery due to privilege. Under what legal rationale would the defense prevail?
An organization's risk manager observes a pattern of Emergency Medical Services (EMS) personnel deviating from established protocols due to resource constraints. A patient subsequently experiences harm. What is the MOST relevant legal theory?
An organization's risk manager observes a pattern of Emergency Medical Services (EMS) personnel deviating from established protocols due to resource constraints. A patient subsequently experiences harm. What is the MOST relevant legal theory?
As an enterprise risk professional, you are tasked to assess the quality of external legal counsel during the litigation management process. Which metric offers the MOST insightful assessment of their efficacy beyond readily available litigation outcomes?
As an enterprise risk professional, you are tasked to assess the quality of external legal counsel during the litigation management process. Which metric offers the MOST insightful assessment of their efficacy beyond readily available litigation outcomes?
In a claims-made policy, what constitutes the MOST critical action for a healthcare facility upon receiving a demand letter, considering the potential implications for coverage?
In a claims-made policy, what constitutes the MOST critical action for a healthcare facility upon receiving a demand letter, considering the potential implications for coverage?
A hospital's security system malfunctions, resulting in unauthorized access to employee files, including sensitive medical information. Which of the following legal theories would be the MOST directly relevant?
A hospital's security system malfunctions, resulting in unauthorized access to employee files, including sensitive medical information. Which of the following legal theories would be the MOST directly relevant?
In the context of Alternative Dispute Resolution (ADR), what aspect of arbitration poses the MOST significant challenge for healthcare providers concerned with maintaining Standard of Care (SOC)?
In the context of Alternative Dispute Resolution (ADR), what aspect of arbitration poses the MOST significant challenge for healthcare providers concerned with maintaining Standard of Care (SOC)?
A surgery resident accidentally cuts the common bile duct during a laparoscopic procedure, which was the third such incident in the last six months at the facility. What organizational failures would MOST likely be considered when litigating corporate negligence?
A surgery resident accidentally cuts the common bile duct during a laparoscopic procedure, which was the third such incident in the last six months at the facility. What organizational failures would MOST likely be considered when litigating corporate negligence?
What factor most influences the extent to which a risk manager is involved in the actual claims management process?
What factor most influences the extent to which a risk manager is involved in the actual claims management process?
During claim investigation, what is the MOST crucial consideration when using outside investigators, particularly with regards to potentially discoverable information?
During claim investigation, what is the MOST crucial consideration when using outside investigators, particularly with regards to potentially discoverable information?
Considering that a systematic evaluation of a claim is essential, what's an intended outcome a healthcare organization should look for in a claims management program?
Considering that a systematic evaluation of a claim is essential, what's an intended outcome a healthcare organization should look for in a claims management program?
What is a subtle way that hospitals can be corporate negligent when thinking about staff physicians who lose staff privileges due to alcohol impairment?
What is a subtle way that hospitals can be corporate negligent when thinking about staff physicians who lose staff privileges due to alcohol impairment?
To have the most effective claims management and to review claims and potentially prevent them, what do many organizations rely on?
To have the most effective claims management and to review claims and potentially prevent them, what do many organizations rely on?
You are helping the defense council select an expert witness in a case regarding alleged breast cancer misdiagnosis. What would it be the ABSOLUTE BEST action?
You are helping the defense council select an expert witness in a case regarding alleged breast cancer misdiagnosis. What would it be the ABSOLUTE BEST action?
A claim always involves a formal lawsuit filed in court.
A claim always involves a formal lawsuit filed in court.
The claims management process begins when an event occurs and concludes with the resolution of the claim.
The claims management process begins when an event occurs and concludes with the resolution of the claim.
In a commercial insurance coverage, the facility always bears the responsibility for covering losses.
In a commercial insurance coverage, the facility always bears the responsibility for covering losses.
The 'identification' step in claims management involves assessing coverage and setting reserves.
The 'identification' step in claims management involves assessing coverage and setting reserves.
A risk manager's role is the same across different organizations, regardless of their insurance program.
A risk manager's role is the same across different organizations, regardless of their insurance program.
A 'claim' is a formal demand for monetary damages due to an alleged injury.
A 'claim' is a formal demand for monetary damages due to an alleged injury.
A claim management program's success relies solely on the efficiency of its technology.
A claim management program's success relies solely on the efficiency of its technology.
A systematic approach to claim management aims to increase the financial loss for a healthcare organization.
A systematic approach to claim management aims to increase the financial loss for a healthcare organization.
An insurance policy has no impact on the claims management process.
An insurance policy has no impact on the claims management process.
Internal investigations are optional in claims handling.
Internal investigations are optional in claims handling.
A goal of claim management is reducing negative impacts on a hospital's image.
A goal of claim management is reducing negative impacts on a hospital's image.
After a claim, setting reserves involves identifying the claimant's attorney.
After a claim, setting reserves involves identifying the claimant's attorney.
Claim file management involves the logical ordering and maintaining of all documents related to a claim.
Claim file management involves the logical ordering and maintaining of all documents related to a claim.
'Respondeat Superior' means an employer is never responsible for the acts of their employees.
'Respondeat Superior' means an employer is never responsible for the acts of their employees.
'Vicarious liability' means imposing the same liability the employee has to another person.
'Vicarious liability' means imposing the same liability the employee has to another person.
Internal investigations are an optional part of most claims resolutions.
Internal investigations are an optional part of most claims resolutions.
There is no difference between ostensible and apparent agency in a healthcare setting.
There is no difference between ostensible and apparent agency in a healthcare setting.
Corporation negligences cannot impact medical malpractice lawsuits.
Corporation negligences cannot impact medical malpractice lawsuits.
In claim management, healthcare entities face limited exposures, mainly related to medical malpractice.
In claim management, healthcare entities face limited exposures, mainly related to medical malpractice.
The goal of due diligence is to complete legal and financial review of an organization.
The goal of due diligence is to complete legal and financial review of an organization.
A hospital following defense counsel does not need to select experts witnesses for medical negligence
A hospital following defense counsel does not need to select experts witnesses for medical negligence
A claims-made insurance policy is triggered by an occurrence during the policy period.
A claims-made insurance policy is triggered by an occurrence during the policy period.
In the context of legal theories, 'strict liability' is typically the most relevant theory for cases involving retained surgical sponges.
In the context of legal theories, 'strict liability' is typically the most relevant theory for cases involving retained surgical sponges.
The final step in a lawsuit is always an agreed upon settlement.
The final step in a lawsuit is always an agreed upon settlement.
In investigation outside or outside, there is a need to get a written description of hippa in medical investigations.
In investigation outside or outside, there is a need to get a written description of hippa in medical investigations.
A self-insured risk manager has major responsibility for their case.
A self-insured risk manager has major responsibility for their case.
The only essential element in assessing corporate negligence is determining whether the health facility was aware of similar past incidents
The only essential element in assessing corporate negligence is determining whether the health facility was aware of similar past incidents
It is not required to clarify reporting PCEs.
It is not required to clarify reporting PCEs.
In any medical setting, a claim that results in a case will require a 'pre trial' procedure.
In any medical setting, a claim that results in a case will require a 'pre trial' procedure.
The only role of a risk manager regarding outside counsel is ensuring the firm bills hourly and at or below an expected amount
The only role of a risk manager regarding outside counsel is ensuring the firm bills hourly and at or below an expected amount
If a provider is employed at a hospital, a patient and their family is authorized to sue a hospital even if they were not involved in the claim.
If a provider is employed at a hospital, a patient and their family is authorized to sue a hospital even if they were not involved in the claim.
Integrated Delivery Systems (IDS) can cannot be held vicariously liable by anyone outside of contracts.
Integrated Delivery Systems (IDS) can cannot be held vicariously liable by anyone outside of contracts.
If a healthcare enterprise receives a written demand for compensation, a risk professional needs to first analyze the situation.
If a healthcare enterprise receives a written demand for compensation, a risk professional needs to first analyze the situation.
If there is an unintended surgical item in a patient, strict liability is automatically the result.
If there is an unintended surgical item in a patient, strict liability is automatically the result.
An 'unstructured process' in third party dispute resolution means that nobody is authorized to create documents.
An 'unstructured process' in third party dispute resolution means that nobody is authorized to create documents.
In the list of "four Ds, the damage death for an employee is the 'duty' phase.
In the list of "four Ds, the damage death for an employee is the 'duty' phase.
A hospital is responsible even though they were not involved if the lawsuit involves a contracted doctor instead of employed.
A hospital is responsible even though they were not involved if the lawsuit involves a contracted doctor instead of employed.
In the event that there is a subpoena, a lawyer knows the most so it should be directly passed with the lawyer rather than any action happening.
In the event that there is a subpoena, a lawyer knows the most so it should be directly passed with the lawyer rather than any action happening.
In corporate liabilities , it is most reasonable to hire an orthopedic surgeon to explain to the lawyer involving breast care cancer.
In corporate liabilities , it is most reasonable to hire an orthopedic surgeon to explain to the lawyer involving breast care cancer.
If HIPAA applies, compliance with medical records may proceed regardless of the circumstances.
If HIPAA applies, compliance with medical records may proceed regardless of the circumstances.
A claim is a formal notification seeking monetary damages for an alleged injury.
A claim is a formal notification seeking monetary damages for an alleged injury.
The claims management program must have commercial insurance coverage.
The claims management program must have commercial insurance coverage.
In claims management, 'Identification' is the final step in the process.
In claims management, 'Identification' is the final step in the process.
The risk manager's role in claims is solely based on the organization's financial data.
The risk manager's role in claims is solely based on the organization's financial data.
A document checklist is not necessary when managing claims.
A document checklist is not necessary when managing claims.
Analysis and classification of a claim involves using subjective opinions.
Analysis and classification of a claim involves using subjective opinions.
A 'Lawsuit' refers to informal settlement discussions outside of court.
A 'Lawsuit' refers to informal settlement discussions outside of court.
Under the principle of Res Ipsa Loquitur, the burden of proof shifts to the defendant.
Under the principle of Res Ipsa Loquitur, the burden of proof shifts to the defendant.
The insurer always waives its rights while a claim is being investigated and defended.
The insurer always waives its rights while a claim is being investigated and defended.
General liability covers professional malpractice.
General liability covers professional malpractice.
'Loss Covered' refers to whether the cause of the incident is covered by the policy.
'Loss Covered' refers to whether the cause of the incident is covered by the policy.
Liability determination aims to identify the responsible party, regardless of liability type.
Liability determination aims to identify the responsible party, regardless of liability type.
In Res Ipsa Loquitur, the injured person can't sue the employer for the full amount.
In Res Ipsa Loquitur, the injured person can't sue the employer for the full amount.
A claim is best managed when reserves are set after sufficient data have been obtained.
A claim is best managed when reserves are set after sufficient data have been obtained.
The Respondeat Superior doctrine solely applies to intentional torts committed by employees.
The Respondeat Superior doctrine solely applies to intentional torts committed by employees.
Taxonomy is not relevant for benchmarking and loss runs.
Taxonomy is not relevant for benchmarking and loss runs.
The insurer and the insured have the same responsibilities when handling lawsuits.
The insurer and the insured have the same responsibilities when handling lawsuits.
A hospital cannot be sued for corporate negligence.
A hospital cannot be sued for corporate negligence.
In a case of apparent agency, privileges for physicians are NOT considered to be an independent contractor
In a case of apparent agency, privileges for physicians are NOT considered to be an independent contractor
In an Emergency Medical Service, false imprisonment includes restraining someone.
In an Emergency Medical Service, false imprisonment includes restraining someone.
In claims management, a Demurrer motion is when the plaintiff requests to admit allegations of the defendant.
In claims management, a Demurrer motion is when the plaintiff requests to admit allegations of the defendant.
Due diligence in litigation solely involves assessing the legal aspects of an organization.
Due diligence in litigation solely involves assessing the legal aspects of an organization.
Insurance coverage information, as part of claim file management, is not relevant to insurers.
Insurance coverage information, as part of claim file management, is not relevant to insurers.
A speedy driver hits a child while driving without headlights is a form of Res Ispa Loquitur.
A speedy driver hits a child while driving without headlights is a form of Res Ispa Loquitur.
The only advantage over a trial is the negotiation of the third party.
The only advantage over a trial is the negotiation of the third party.
A notification of claims is when an ER physician dumps a patient.
A notification of claims is when an ER physician dumps a patient.
Providing support through all phases of the litigation process will not mitigate negative effects, such as stress.
Providing support through all phases of the litigation process will not mitigate negative effects, such as stress.
The risk of the professional is required to retain a legal counsel is there is a claim made policy in place.
The risk of the professional is required to retain a legal counsel is there is a claim made policy in place.
Match the following steps for claims management in the correct order.
Match the following steps for claims management in the correct order.
Match the type of healthcare entity with its common liability exposure:
Match the type of healthcare entity with its common liability exposure:
Match the legal theory with its definition:
Match the legal theory with its definition:
Match the following document requirements to the document in a claim.
Match the following document requirements to the document in a claim.
Match the following terms related to reporting with the appropriate legal requirements.
Match the following terms related to reporting with the appropriate legal requirements.
Match the following terms liability determinations with its appropriate type.
Match the following terms liability determinations with its appropriate type.
Match the following phrases during litigation to its appropriate step in procedure.
Match the following phrases during litigation to its appropriate step in procedure.
Match each term to its corresponding description within coverage determination:
Match each term to its corresponding description within coverage determination:
Match each formal vs informal system to its description:
Match each formal vs informal system to its description:
Match the following elements of Claims File Management to its description:
Match the following elements of Claims File Management to its description:
Match the phrase to its description for ADRs.
Match the phrase to its description for ADRs.
Match the following list to its potential action to mitigate stress on employees.
Match the following list to its potential action to mitigate stress on employees.
Match the following items of a healthcare service to its common problem.
Match the following items of a healthcare service to its common problem.
Match the following issues to a potential solution during a Due Diligence.
Match the following issues to a potential solution during a Due Diligence.
Match the following facts about a corporate to its impact.
Match the following facts about a corporate to its impact.
Match the claims management process step with its description:
Match the claims management process step with its description:
Match the legal theory with its correct description in healthcare claims:
Match the legal theory with its correct description in healthcare claims:
Match the type of liability exposure with the healthcare entity where it is most commonly seen:
Match the type of liability exposure with the healthcare entity where it is most commonly seen:
Match the actions that a risk manager can take to mitigate the negative impact of litigation stress on health care professionals:
Match the actions that a risk manager can take to mitigate the negative impact of litigation stress on health care professionals:
Match the step with its description in defense firm performance:
Match the step with its description in defense firm performance:
Match the following elements of a claims management program with their appropriate description:
Match the following elements of a claims management program with their appropriate description:
Match the following stages in the claims management process (as outlined in the 'new' model) with their correct description:
Match the following stages in the claims management process (as outlined in the 'new' model) with their correct description:
Match the following elements of 'Due Diligence' regarding financial processes with their appropriate next step:
Match the following elements of 'Due Diligence' regarding financial processes with their appropriate next step:
Match the following 'Liability Areas' within Healthcare with a situation that would describe it:
Match the following 'Liability Areas' within Healthcare with a situation that would describe it:
Match the following 'Legal Theories' with their appropriate description:
Match the following 'Legal Theories' with their appropriate description:
Match each Alternative Dispute Resolution (ADR) method with its most defining characteristic:
Match each Alternative Dispute Resolution (ADR) method with its most defining characteristic:
Match the following elements to consider when selecting expert witnesses with their primary relevance to complex litigation management:
Match the following elements to consider when selecting expert witnesses with their primary relevance to complex litigation management:
Match each stage of litigation management with its primary objective:
Match each stage of litigation management with its primary objective:
Match the document type from the pre-trial procedures with the content that ought to be present:
Match the document type from the pre-trial procedures with the content that ought to be present:
Match each type of Exposure of Healthcare Entities with a key aspect of loss mitigation
Match each type of Exposure of Healthcare Entities with a key aspect of loss mitigation
Flashcards
Claims Management Process?
Claims Management Process?
Examine claims management from event to resolution.
Claim vs. Compensable Event vs. Lawsuit?
Claim vs. Compensable Event vs. Lawsuit?
Distinguish between a claim, a potentially compensable event, and a lawsuit.
Claims Management Program?
Claims Management Program?
Supported by leadership, driven by org culture, anchored by infrastructure.
Risk financing: Self-insured vs. Commercial coverage
Risk financing: Self-insured vs. Commercial coverage
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What is a Claim?
What is a Claim?
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Claims Management Process
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New Claims Management Process?
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Risk Manager Role in Claims
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Litigation Management
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Arbitration?
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What the data tell you
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Incident Reporting
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Sentinel Event Tracking
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Letter of Representation
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Preservation Notice
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Demand Letter
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Standard of Care (SOC)
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Elements of Negligence
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Res Ipsa Loquitur
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Negligence Per Se
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Corporate Negligence
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Healthcare Entities exposure
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Claims File Management
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Process Command
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RM Plan
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Taxonomy
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Claims Management
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Direct Injury
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General liability
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Informal Risk Identification System
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Formal Risk Identification system
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Risk Management plan
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healthcare entities
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Study Notes
Claims & Litigation Domain Overview
- There will be 20 questions on Claims & Litigation
Course Instructor
- Sahar Khalil Alhajrassi is the consultant prosthodontic and KPI practitioner of the course.
- Holds SB-Prosth, CPHQ, CPHRM, EFQM, HMP mini-MBA titles.
Objectives
- Understand the claims management process from the point where the event occurs, to when the claim is resolved
- Differentiate between a claim, a potentially compensable event, and a lawsuit
- Define the different types of liability
- Identify the factors that may influence whether a claim is covered under an insurance policy
- Understand legal theories for defending claims
- Recognise exposures of healthcare entities
- Recall the importance of controlling third party loss
- Understand Litigation management
- Understand Lawsuit process
- Recognise Alternative Dispute Resolution mechanisms (ADRs)
Claims Management Program essentials
- Needs to be supported by leadership and board commitment
- Needs to be driven by organizational philosophy and culture
- Needs to be anchored by the development of an infrastructure supported by staffing, policies & procedures, decision authority, program scope, and technology
- Needs to be influenced by the organizations chosen risk financing mechanism
- Self-insured covers facility responsibility
- Commercial insurance covers insurer responsibility
Claims Management Process
- The Claims Management Process consists of identification, investigation, document Checklist, analysis and classification, reporting, coverage determination, setting reserves, claims Management Strategies, and resolution
Role of risk manager in claims
- Set by the nature of the organization and its insurance program
- Those commercially insured have are limited to monitoring
- Those that are self insured have to actively participate in managing
- They have to maintain a dataset of reports regarding open and closed claims
- Needs the ability to analyze risk data
- Responsible for all the claims management activities:
- Notification of carriers
- Setting reserves
- Response to discovery/interrogatories requests
- Dispositions
- Provide staff support during high anxiety times
Claims Explained
- A claim is formal notification that monetary damages are being sought for an alleged injury
- Policy documents offer specific definitions
Claim Management Program characteristics
- Is a systematic approach to reduce financial loss and negative community image of a HCO
- Should be supported by leadership
- Should be driven by HCO culture
- Should be anchored by HCO’s infrastructure (P&Ps, scope, technology, etc.)
- Should be influenced by HCO risk financing method (self insured /commercial insurance)
Stages of a Claim Management Process
- The claims management process now consists only of identification, investigation, analysis and classification, coverage determination, reporting, setting reserves, claims management strategy, and resolution
Identification Phase In Detail
- RM Plan to include a system for identifying problems, identify potential problems resulting in loss or potential for loss, with Reporting to the Risk Manager included
- Have Board to receive info about new claims, open & closed cases, high exposure areas and impact on risk financing program
- Have Taxonomy for benchmarking & loss runs (insurers, underwriters, brokers)
Formal Vs. Informal Risk Identification System differences
- Formal Identification includes incident reporting, sentinel event tracking, RCA & FMEA, device reporting, and security reports
- Informal Risk Identification includes claims data, patient/staff compliant, Standardized surveys, personal inspections, committee minutes, reports from Accreditation Agencies, and hotline calls.
Documents to look for re Claims
- Letter of representation
- Preservation notice
- Demand letter
Investigation Phase In Detail
- Internally investigate to collect facts
- Self insured RM will have major responsibility for it
- If commercially insured, RM should direct and maintain control of it
- Hire outside investigators for HIPAA compliance
- Potential claims across insurance lines include medical claims, and worker’s compensation
Guidelines for investigating an event include:
- Discover & Document the facts.
- Secure Evidence.
- Determine the applicable Standard Of Care (SOC) and legal principles.
- Communicate with appropriate persons.
- Protect the discovery of investigative material.
- Review P&Ps and have Medical Record Interview staff and identify insured parties
- Have Policy in place for doc. retention, malfunctioned equipment sequester & fill report
- Needs to be assessed at the time of event
- Must have Interview witness, to insurer ASAP & notify senior management
- Be aware of statutory provisions & be under legal counsel direction
Documentation checklist must include
- Summary of claimant’s allegations
- Summary of facts
- Copies of applicable policies, procedures and protocols
- Copies of maintenance records
- Summaries of peer review and expert reviews
- Evaluation of damages
- Evaluation of liability
- Research including standard of care, applicable laws & regulations
- Information regarding claimant’s attorney
- Name and demographic information of organization insured parties
- Name and demographic information of the actual or potential codefendants
- Date of incidence (loss), claim was made, when RM was notified is also vital
- Insurance information
- Claimant information
- Review of medical records
- Details of Claimant’s injuries
- Current status of case
- Summary of interviews
Analysis and Classification involves
- Analyzing the claim through committee using facts
- Process should consider internal and external factors
- Classification must be supported by taxonomy, and risk financing mechanism
Reporting Must Include
- All Lawsuits, Claims & Potential Compensable Events (PCE) should be reported to insurer by the insured.
- Lawsuit: formal legal action, filed in court
- Claim: formal notification, defined in the policy of the contract
- PCE: any occurrence where a claim or lawsuit is expected
- Insurers are allowed to audit to validate accuracy and completeness
Insurer & Insured
- Should Clarify requirements with policy, and determine the duties
- must defend
Coverage Considerations
- Coverage determination involves checking whether:
- loss is covered
- cause of loss if covered (negligence, criminal, etc)
- parties are insured
- falls within period
- loss location
- insured involved
Liability determination involves what Liability Types
- General Liability
- Professional Liability/Medical Malpractice
- Employment Practices Liability
Four Common Liability Types
- General Liability: Includes slips, assault, advertising, and environmental pollution
- Professional includes negligence or carelessness
- Determined by 4Ds
- Care must be exercised to determine Standard of Care
- Negligence established by expert opinions
- Employment includes discrimination of age, gender, etc
- Director liability involves governing/management
Standard of Care (SOC) information needed
- Apply measurements to determine competence of workers within the field
- Look for rebuttable presumptions and negligence
- "Res ispa loquitur" when "the thing speaks for itself"(retained objects)
- Must prove law was violated, law was intended to prevent injury, law was there to protect
Identifying Negligence
- A physician is negligent if hurt while performing medicine without a medical license
- If an ER physician dumps patient and releases info, professional disregarded federal laws
Financial Steps to Claims File Management
- Claims should be reserved as soon as possible if there is some possibility of exposure
- Is done by the insurer or a claims professional
- It's an art more than science, requires experience
- Must estimate reserve settlement from the expense reserve
File Management
- Maintain documents for logical tracking
- Must contain Correspondences, expenses, legal papers, expert review, and insurance coverage information
Types of Agency
- Legal Theories exist:
Respondeat Superior Legal Doctrine
- The master answers for their servants acts
- If employees act within work, the employer must respond
- Examples of incidents include misdiagnosis, mistakes, medication issues
Vicarious Liability
- Imposition of liability on one person, occurs because of actionable conduct
- Conduct is based on the relationship - which should be indirect liability
- Employer must bear losses to encourage accident prevention
Ostensible/Apparent agency doctrine
- Applies to independent contractors (agency)
- Employee must serve a HCO
- The 3rd party belief should always be considered
Corporate negligence
- There must be a known defect
- Defect must cause harm
- Negligent selection
Health Entities Can Face Exposure
- Hospitals face exposure issues - including:
- respondent superior
- apparent agency
- negligent info sharing
- Consider contract review with providers
- EMS providers can face claims if there is abandonment, assault, restraint, etc
- Primary care faces informed consent risks
- integrated delivery faces employed physicians and hospitals
- managed care faces: vicarious and fiduciary losses
- long term faces abuse of residents
Need to control losses
- In order to control losses, you need:
- due diligence
- financial review
- patient communication
- policies/procedures
- transfer mechanisms
Litigation Management is important
- Must hire proper firm and check competence
- Must communicate constantly
- Should focus effort on keeping legal fees down
- Always evaluate defense performance
Key Insurance Responsibilities
- Clarify requirements with policy, and determine the duties
- must defend
Actions on Pre Trial
- Pleadings
- discovery
- motions
Steps for Lawsuits
- Trial
- judge or jury setting with substantive law
- must have proceedings
- Post Trial
- appeal for settlement
- negotiate if needed
- ADRs
- used to avoid trials
- includes arb, med, and negotiation
Enterprise risk to consider
- Can mitigate impacts of litigation on professionals
- Can be done by offering confidential support
- Building health facilities
- Supporting claims
3rd Round Quiz Information
- Always notify the carrier for claims-made compensation, and use Vicarious Liability for employee cases
- Hire Oncologists where available
- Notify patients regarding records
Additional Claims Test Information
- In the event of a claims-made compensation plan, you must notify the carrier
- Vicarious Liability will be used when a hospital has employees who failed protocol
- An Oncologist is an expert for oncology cases
- The hospital should notify the patient of records given
Q and A Round 3
- Enterprise risk professionals can mitigate negative impact of stress by supporting defendants
- Notify carriers, and that comes under vicarious liablity
- Must hire oncologists to provide expertise where necessary
- Hospitals should also notify patients of court orders.
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