Assisted living
What is a negligent admission or retention claim?
It is the claim theory most specific to assisted living: that the facility accepted a resident, or kept one after their condition changed, whose care needs exceeded what its licensure category, staffing or physical plant could safely meet.
The plaintiff argument writes itself, because the licensure category is a public statement about what acuity the facility is equipped to serve, and the resident record shows what it was actually doing. Residents age in place, needs increase, and a facility reluctant to move a long-standing resident or unable to afford the vacancy keeps providing care that has drifted beyond the license.
The defense is a documented reassessment process with defined triggers and a recorded decision at each one. That converts the hardest fact in the case, that the facility kept the resident, into evidence that it knew, evaluated and decided rather than simply not noticing.
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More assisted living questions
Does my state require an assisted living facility to carry liability insurance?
Many states do, some prescribe a minimum limit, and several set no stated minimum at all. Verify with your licensing agency rather than any secondary source.
Can we use one medication administration policy across several states?
No. Delegation rules differ by state, and a single national policy built to the most permissive state creates violations everywhere else.
What changes on our insurance when we open a second building?
The aggregate stops being academic. With one building, whether the annual aggregate is shared or per location makes no difference. With two it decides everything.
Do we need abuse coverage if we have never had a claim?
Abuse produces the largest verdicts and the most publicity in this industry, and the sublimit is where programs most often fail.
Is a business owners policy enough for an assisted living facility?
No. A general business policy has no adequate professional services grant, which is the exact coverage a negligent care claim requires.
Does adding a memory care wing change our insurance?
Yes, and adding the unit to a schedule of locations is not the same as underwriting it. Two exposures distinguish memory care and neither is addressed by an assisted living program.
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