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Liability/Medical Malpractice
Insurance for Parish Nurses and Congregations |
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Congregations
embarking upon parish nursing ministry must make decisions
about insurance coverage for both the church and for the parish
nurse. The information provided below will assist the decision
making process. It is divided into three sections:
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General Practice
Information |
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The American Nursing Association
has written, in collaboration with Health Ministries Association,
Inc., Scope and Standards of Parish Nursing Practice. By
definition, parish nursing is professional nursing, an independent
practice of nursing that promotes health and healing practices
from a faith perspective to achieve desired goals. Nurses practicing
the dependent functions of nursing must meet the legal criteria
set forth in the jurisdiction's (state, locality) practice act
according to the generic professional standards of practice of
the American Nurses Association.
As a professional working independent of any
type of medical facility (which might provide certain insurance
coverage), parish nurses working with Presbyterian churches
will want to obtain professional malpractice insurance and be
certain that the liability coverage for the church includes
the activities contained within the parish nurse scope of practice.
A conversation with the agent who has written the liability
policy for the church should clarify what is covered under that
policy.
Non-coverage of liability and/or personal
malpractice insurance coverage could create a serious liability
gap for the protection of nursing professionals. (Parish nurses
will also want to be certain that they maintain certification
and licensure in the state in which they are practicing.)
Practice must be within the constraints of
their state professional nurse license, meaning that the parish
nurse can function in health education, counseling, etc. but
cannot perform invasive treatments—injections, medication
administration, treatments, etc. Parish nurses are not to be
involved with anything that needs a medical order to be implemented.
Any nurse who is considering her/himself a
parish nurse/health ministry nurse should carry individual malpractice
insurance and certainly be licensed in the state in which she/he
is practicing.
If the parish nurse is working with health
ministry volunteers, clear policies and procedures as to what
these persons can do and how they are being supervised and
supported should be written for the protection of all involved.
The church needs to consider with these persons and their
insurance agent how they are or are not covered by the church's
insurance policy—i.e. transportation, accidents, falls,
etc.—and policies
and procedures should be written accordingly.
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Questions and Answers
About Parish Nurses |
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What do parish nurses
do?
As a member of the ministerial team,
parish nurses offer spiritual care and support through:
prayer, biblical references, biblical analogies, active
listening, affirmation, encouragement, reassurance , reframing
(looking at things differently), reminiscence, music and
the arts.
As teachers and health counselors,
they help parishioners or congregational groups explore
ways to cope more effectively with:
physical problems and safety concerns, emotional struggles
and safety concerns, relationship difficulties and safety
concerns, stressful life transitions (birth, retirement,
loss etc.), signs and symptoms that need to be taken more
seriously , day to day struggles and sources of stress.
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As advocates, they:
- work as map readers for the health care
maze
- assist with values clarification around
important decisions (like end of life issues)
- help those in need understand their diagnoses,
lab results and medicines
- help those in distress access a physician
when medical help is needed
- help explain parishioner concerns,
situations or extenuating circumstances to physicians (when
given permission to do so).
As referral resource persons, they:
refer parishioners to needed sources of help when they don't
know where to turn and collaborate with other members of the
health care provision system.
As volunteer coordinators, they:
enlist the help of their congregation(s) in rallying around
the need of those in distress.
What do ministers of health do?
Ministers of health may do many of the same
kinds of things. The primary difference is an issue of licensure
(which implies independent competency). The above interventions
fall within the scope of nursing practice but are not confined
solely to the realm of nursing. Some states require active licensure
as a registered nurse (RN) from all who take the title of "nurse"
in community based settings. Only registered nurses are licensed
to practice nursing autonomously. Licensed practical nurses
(LPN) and RNs who have dropped their license must take the title
of "Lay Minister of Health."
Can an LPN be a parish nurse?
No, but an LPN can either serve as a
lay minister of health or as a member of the health committee
a lay minister of health.
What don't parish nurses do?
- Parish nurses are
not free home health nurses in churches, but they do facilitate
access to home care service providers when needed.
- Parish nurses do not provide hands
on care. They don't give shots. They don't do dressing
changes. They don't administer medications, but they do facilitate
access to technical care provider services when needed.
- Parish nurses are not free social service
caseworkers, but they are licensed to promote well-being
or crisis resolution through referral. Professional nurses
are bound to help parishioners access needed community services.
- Parish nurses often consult social service
providers for situational guidance.
- Parish nurses are not psychiatric counselors,
but they listen and guide parishioners through the
process of accessing needed emotional and mental health provider
services. Often they are part of the community-based after-care
support team, but they are not the primary caregivers in
complex situations.
- Parish Nurses are not 911 permission
givers. They educate parishioners about signs and symptoms
that warrant prompt attention, but permission to call 911
is never needed! Parish nurses help people access their
physicians when needed, but they are not a formal part
of the emergency response team. They are not to be regarded
as cost effective 911 intermediaries!
- Parish nurses do not give medical advice.
It is outside of their domain to assign medical diagnoses
or to recommend prescriptions, but they can interpret medical
language, diagnostic meanings, and test findings when parishioners
do not understand the meaning of what they have been told.
They help parishioners communicate with their physicians
more effectively. They offer advocacy when invited
to intervene.
- Parish nurses are not a substitute for
pastors. As Ministers of the Word and Sacrament, pastors
are better equipped to address theological struggles and
related self-destructive belief patterns.
- Parish nurses ministries are also spirit-centered,
but they focus less on beliefs, and more on issues
of functional well-being and resolvable barriers to well-being.
How does parish nursing benefit a congregation?
- Parish nurse efforts help parishioners
feel cared about and valued.
- Parish nurse efforts bring healing and
reconciliation to parishioner hurts and rifts.
- Parish nurse efforts help parishioners
find meaning and purpose (spiritual well-being).
- Parish nurses speak the language of both
faith and health care providers. Parish nurses facilitate
communication between caring partners. Translations regarding
status and plans empower pastors to be more effective as
healers and advocates.
- Through parish nursing the church is
reclaiming its role in healing, its right to a voice
and its right to a place in the health care team.
- Parish nurse efforts spell pastors from
the demands of chronic illness support needs.
- Parish nurse efforts catalyze organized
congregational responses to widespread needs within
the congregation. Thus they build a sense of community.
- Parish nurses create safe opportunities
for sharing. Sharing is therapeutic.
- Parish nurses help people realize that
congregational membership and faith are health strengthening.
Why would a church want to pay for a parish nurse?
- To demonstrate commitment to the health
and well-being of parishioners.
- To affirm the pastoral team member aspect
of the role so as to lend permission, stabilization,
and acceptance within the congregation
- To affirm and uplift the professional
nature of the role and to thereby empower it
- To enhance a sense of accountability
and collaborative submission
- To enhance the collaborative possibilities
that this kind of affirmation promotes
Why would health care systems be involved in
parish nursing?
- Many health care leaders have personal
faith-based value systems.
- Parish nursing is an expression of faith-based
missions and visions.
- Parish nursing provides collaborative,
innovative, cost-effective partnership opportunities
and affirmative relationships with the grass roots community
echelon.
- Parish nursing role models a system attitude
of caring and whole person concern.
- Parish nursing reclaims a historical
and presently needed partnership in health care.
- Parish nursing visibly reintegrates the
faith factor in health care which is powerfully affirmed
by contemporary research.
- Parish nursing is healing the consequences
of significant community-wide disillusionment with
health care.
- Health care is more than medicine. Health
care must be spirit-centered and whole-person focused.
Faith plays a significant role in whole person well-being.
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Insurance
Carriers |
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According to current rates,
the cost of medical malpractice insurance varies from $89/year
to $175/year depending on the license they have in their practicing
state. The following companies are some, but not all that offer
medical malpractice insurance for parish nurses and parish nurse
ministry.
Nurses Service Organization
Phone: (800) 247-1500
Fax: (800) 739-8818
Email: service@nso.com
Website: www.nso.com
Professional Liability Department for
RN's and PN's:
Healthcare Provider Services Organization [HPSO]
159 E. County Line Road
Hatboro, PA 19040-1218
Phone: (800) 982-9491
Fax: (800) 739-8818
Email: service@hpso.com
Website: www.hpso.com
C.N.A. HealthPro: (888) 600-HPRO
New York Office:
40 Wall Street, 7th Floor
New York, NY 10005
Phone: (800) 255-7203
Website: www.cnahealthpro.com
National Programs—Nurses, Healthcare Professionals
Contact Email List:
Michael A. Scott, Asst. VP: Michael.Scott@cna.com,
(312) 822-7449
Mary Ann Jandura: Mary.Jandura@cna.com,
(312) 822-2287
CM&F Group, Inc.
151 William Street
New York, NY 10038-2772
Phone: (800) 221-4904
Fax: (212) 233-8911
Website: www.cmfgroup.com
Contact Name: Genna Demara, GDemara@cmfgroup.com
Seabury & Smith
332 S. Michigan Avenue
Chicago, IL 60604
Phone: (800) 621-3008 x105
Website: www.seaburychicago.com
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