December 6, 2023
Examples Underscore Critical Need for Liability Insurance
As the healthcare landscape undergoes a transformation, the role of Physician Assistants/Physician Associates is expanding, drawing heightened attention. The era of infrequent legal challenges for PAs has shifted, and today, they encounter increased scrutiny. This blog post will examine two real-life cases involving PAs, explore legal challenges, and delve into potential solutions applicable to PAs and other healthcare providers in this evolving healthcare environment.
Case Study 1: Missed Diagnosis Leading to Death – Stevens-Johnson Syndrome
Background: In this case, a 76-year-old female patient presented to a dermatology practice with an unexplained rash. She sought medical attention due to the worsening of her condition, which tragically led to her death.
Medical Team: The medical team responsible for her care included a PA and a supervising physician.
Case Study 2: Failure to Detect Tendon Damage
Background: In this case, a 51-year-old male patient sustained a foot laceration and sought medical attention from an emergency department physician and a PA. The undetected tendon damage in this case had severe consequences.
Medical Team: The medical team responsible for this patient’s care included an emergency department physician and a PA.
These case studies illustrate the real-world complexities and challenges faced by PAs in malpractice claims, emphasizing the importance of accurate diagnoses, communication, comprehensive patient care, and career/license protection.
Mitigating Malpractice Risks
While malpractice risks are inherent in the medical field, there are several proactive measures PAs can take to minimize their exposure:
The Importance of Liability Insurance
These real-life examples underscore the critical need for liability insurance. As PAs, you are personally liable for your actions and must protect yourself from potential financial devastation. Occurrence-based insurance is generally recommended as it covers claims arising from incidents during the policy period, regardless of when the claim is filed. Claims-made insurance only covers incidents reported during the policy period and requires tail coverage if you leave the policy.
Tail Coverage and Asset Protection
For PAs transitioning between positions or leaving clinical practice, understanding the need for tail coverage is essential. Tail coverage extends protection beyond your active policy, ensuring you’re covered even after you leave a practice. In addition, consulting with legal and financial experts about asset protection strategies, such as forming an LLC for personal property, can provide an additional layer of security.
Considerations When Choosing Insurance
When deciding on insurance, assess whether your employer provides adequate coverage and if it includes malpractice and license defense. Personal liability policies are a smart investment to cover yourself and your assets, providing you with an attorney if you face a lawsuit.
As you navigate your role as a PA, it’s important to acknowledge the reality of malpractice claims. Understanding the scope of your liability and obtaining the right insurance coverage are essential steps in safeguarding your professional career. Staying vigilant in providing quality care and adhering to best practices will further minimize the risk of malpractice claims. Let us continue to learn from these real-world examples and work toward maintaining the highest standards of care in the PA profession. Stay safe and committed to delivering exceptional healthcare!