Question:
Dear Donna,
I am an RN, and I carry malpractice insurance. I have not had any problems. For the past 17 years, I was on staff in postanesthesia care. How long after full retirement should I carry this insurance?
Am I Covered
Dear Donna replies:
Dear Am I Covered,
This depends on your individual policy. Some policies are occurrence based, meaning coverage will be available at the time of a lawsuit, regardless of whether the policy still is in effect. If you do not have this type of policy, you likely can get a "tail" policy to cover you in case something comes up after you are no longer working. A simple phone call to your agent or carrier should clear this up for you. Also, you should read your policy to see whether this is explained.
Best wishes,
Donna
