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A successful practice is your next step. Insure it. Dental Resource Links Find An Agent in Your State Risk Management Resource Center Student Resource Center Contact Us

Resource Guide to Protecting Your Practice


Student Guide The Professional Protector Plan® The mission of the Professional Protector Plan® for Dentists is to place service to the dental community above all else. This core value supports our program’s continued dedication to provide a quality insurance product, through maintaining a close partnership among dentists, state dental associations, agents, and the insurance carrier. Working in concert with our partners, we provide an insurance policy with broad coverages for the dental community.


Table of Contents Understanding Malpractice Insurance...............................................................................1

Claims-Made versus Occurrence Malpractice Policies...........................................2

Claims-Made Details................................................................................................3

Occurrence Details..................................................................................................4

Understanding Policy Limits.............................................................................................5 Consent-to-Settle...................................................................................................6

Defense Cost.........................................................................................................6

What to Look for when Purchasing Dental Professional Liability Insurance....................7 Risk Management Overview...........................................................................................8

Top 10 Risk Management Tips..............................................................................9

Advantages of The Professional Protector Plan速 For Dentists......................................10

A Range of Choices.............................................................................................11

Employment Practices Liability (EPL)..................................................................12

Advisory Boards..................................................................................................14

The Professional Protector Plan速 For Dental Students................................................15

Graduating Students..........................................................................................16

Summary......................................................................................................................17 Appendix A - Claims by Dental Procedure....................................................................18


Claims-Made versus Occurence Malpractice Policies Understanding Malpractice Insurance Understanding the basics of malpractice insurance before selecting a product could be critical to insuring you and your practice.

You have invested a lot of time and money in your dental career. You should know the risks associated with both the practice and the business of dentistry. The question shouldn’t be if I am sued, but rather when I am sued, will my practice be covered? Although many malpractice insurance policies seem to include similar coverages, all are not the same and can be difficult to understand. There are many important considerations in selecting the policy for your unique circumstances. It is important to pay special attention to the following: 1. Type of Policy: Claims-Made vs. Occurrence 2. Consent-To-Settle language in the policy These two important issues affect the coverage offered by the insurance company. .

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New Dentist Discount Our policy offers competitive rates to new dentists for the first year of practice and premium discounts for the next three years of the new dentist’s policy term. The Professional Protector Plan® (PPP) for Dentists offers a policy specifically designed with the “New Dentist” in mind.

Newly Graduated Dentist Insurance Application Ask about our $50 first year claims-made policy.

1


Claims-Made versus Occurrence Malpractice Policies When considering your professional liability insurance, be sure to compare the coverage features of both claimsmade and occurrence protection.

Claims-made policies provide coverage for claims made

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while the policy remains in force. In the first few years, the cost of claims-made coverage is typically much lower

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than an occurrence policy. Each time a claims-made

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policy is renewed, the premium increases in order to consider the increased likelihood of claims. A claims-

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made policy offers coverage on an annual basis. Occurrence coverage provides coverage for an injury or damage which takes place during the policy period,

Making the Right Choice

irrespective of when the claim is made. In other words, even if the injury or damage occurred in earlier years, regardless of when it is made, the coverage of the policy in force at the time of the injury is the policy to which the claim would apply.

When you are considering your professional

Claims-made policies can add, often at extra cost - Prior Acts Coverage (the “nose”) - to cover acts or omissions

liability

insurance,

compare the coverage features of both claims-made and occurrence

that occurred before the policy was in force provided

insurance

the claim is made during the policy period. Extended

is not necessarily better than

Period

be

the other, but they are different.

purchased to provide coverage for claims made during

Having the right coverage in place

the tail coverage period provided the acts or omissions

is the foundation on which to

Reporting

coverage

(the

“tail”)

may

occurred prior to termination of the policy. Tail coverage is typically purchased when a dentist decides to change insurance companies. The Extended Reporting Period coverage may be added free of charge to many policies at the dentist’s retirement, assuming that the dentist

policies.

One

policy

base your decision.

Claims-Made Details Occurrence Details

has satisfied certain conditions relating to the age at retirement and years insured.

2


Claims-Made Occurence Malpractice Policies Weighing theversus Differences “A claims-made policy asks when the initial claim was made. Regardless of when the incident occurred (provided there is no prior acts limitation), the policy in effect when the “claim is made” will be the one referred to for coverage.”

Claims-Made Advantages •

Pricing predictability. The price of claimsmade coverage more accurately reflects current claim costs and rates can quickly respond to changes in claims trends or other factors that affect costs.

Lower initial premiums. Premiums in the first years are lower than occurrence coverage and increase over the next several years to reflect the increased likelihood of claims. Savings in the early years can provide a cash flow benefit for the insured.

Variable limits. Based upon availability from the insurance company, current limits can be increased annually and would apply to unknown claims arising out of acts or incidents that happened during previous periods covered under the current policy. Therefore, limits can be set to more realistically reflect today’s claim conditions, because the current limits apply at the time the claim is made.

Claims-Made Disadvantages •

Potential costs. Should the policy be discontinued by you or the insurance company either an Extended Reporting Period (ERP) Endorsement or Prior Acts Coverage from a new carrier may be necessary to ensure continuous coverage. The Extended Reporting Period Endorsement could cost you up to twice the amount of your claims-made policy depending upon the term of the ERP purchased.

Because a claims-made policy provides coverage for only one year at a time, you must pay special attention to any changes made to the policy on a year-to-year basis. Changes may increase or reduce coverage under the policy.

Insurance company evaluation. The financial stability of the insurance company can be examined each year to determine its ability to pay claims currently, rather than in the future.

3


Weighing the Differences “An occurrence policy asks when the incident occurred. Regardless of when the claim is made, the policy in effect when the incident occurred will be referred to for coverage.”

Occurrence Disadvantages

Occurrence Advantages •

Fixed costs. All premiums for each policy period are known up-front at the time the policy is purchased and there are no additional costs.

Long term protection. Specific coverage periods will always provide protection up to the limits of liability regardless of future claims or market limitations.

Aggregate limits. Professional liability insurance usually has two limits: the first amount is the “per claim” limit and the second amount is the “annual aggregate” limit. Each year, when the policy is renewed, there is a new aggregate limit assigned for that policy year. This new aggregate limit does not reduce the limit that applied to previous policy years. Thus, for each year of coverage a separate aggregate limit applies to that year.

Initial Costs. Premiums are significantly higher than a claims-made policy for the first few policy years.

Pricing for future costs. Rates are based upon an insurance company’s projections of claim costs in future years. Inaccurate projections can severely tax an insurer’s ability to meet its future financial obligations if the premiums charged are not adequate to fund the cost of claims.

Mobility. The occurrence policy makes it easier to change insurance companies without additional costs of potential gaps in coverage - such as the need to purchase an Extended Reporting Period Endorsement or Prior Acts Coverage.

It is important to consider the long-term financial strength and stability of the insurance company issuing the policy. •

Selecting Adequate Coverage. It may be difficult to determine what liability limits purchased today will be adequate for future claim costs. However, you must decide today what limits you will need to cover a claim that is brought against you possibly ten years from now, or longer. Factors that decide the size of future claim costs include the impact of inflation, as well as other trends, such as high court costs.

4


Claims-Made versus Malpractice Policies Understanding PolicyOccurence Limits Defense Cost When purchasing insurance, be sure to not only look at what is covered, but also know how defense costs will be paid.

Most insurance companies offer a variety of limits to cover

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you in the event of a claim. Your practice and exposure depend on what limits you will select. The typical policy will hold a one million per claim limit and three million aggregate limit. What does this mean?

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The claims-made policy will pay up to one million dollars per covered claim subject to a three million dollar annual aggregate limit for all covered claims made during the policy period. When purchasing insurance, be sure to not only look at what is covered, but also know how defense costs will be paid. Ideally, the insurance company will pay defense costs in

Coverages / Products The PPP serves dentists nationwide providing superior claims service, risk management

programs

and

value

addition to the limits of insurance. Defense costs can be very

added benefits, which are exclusive to

costly; so costly that if included within your limit, your limit

our insureds.

could very quickly be exhausted and you, the insured, could be responsible for a significant out-of- pocket expense. When

* Professional Liability Coverage

the defense costs are in addition to policy limits, they will

* General Liability Coverage

not affect the limit you have chosen to cover settlements and

* Property Coverage

judgments. Also, check to see whether defense costs are

* EPL Coverage

included in the limits (in which case they will reduce and may

* Workers’ Comp PMA Coverage

completely exhaust the amount of money to pay a judgment

* Workers’ Comp Hartford Coverage

against you) or outside the limit (meaning the full limit is

* Dental Lab Professional Liability

available to pay a judgment against you).

* NetProtect Cyber Coverage * Applications

5


Consent-to-Settle and Defense Cost Is your voice heard? The consent-to-settle clause will specify whether or not the insurance company must obtain the insured’s approval before a settlement is made.

It is important to understand the rights extended to you,

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as the insured, when it comes time to settle a claim. In duty-to-defend policies, insurance companies have the

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right and will defend covered claims made against you.

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But, are they hearing your voice before the settlement is made? The consent-to-settle clause will specify whether

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or not the insurance company must obtain the insured’s approval before a settlement is made. Equally important, you should understand if there are any stipulations/ specifications in the clause and what each one actually means. Companies often have an arbitration clause attached to the consent-to-settle agreement. If an insured’s consent is being withheld, at the insurance company’s expense, a third and neutral party, the arbitrator, is brought in to decide whether or not the consent has been unreasonably withheld by the insured. If the arbitrator finds that consent has been unreasonably withheld, this decision will authorize the insurance company to settle the claim. It should be noted that the decision of the arbitrator is final.

Beware of the Hammer Clause In addition to the arbitration clause, some policies have a “hammer clause” attached to the insuring agreement. Unlike the arbitration clause, the hammer clause says that if you, the insured, will not agree to settle, then you will be personally

responsible

for

any

settlement costs that exceed the amount for which the company could have settled the claim plus any further defense costs. Worse yet, some “hammers” will require repayment of expenses and costs to defend.

6


Claims-Made Occurence Policies What to Lookversus for when Purchasing Malpractice Dental Professional Liability Insurance? PPP delivers value to clients through designing individual insurance programs, providing experienced claims handling services and offering a broad risk management program that is highly respected throughout the dental community.

Financial Ratings. One important aspect of a company is

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its financial rating. Several industry-recognized companies provide ratings of insurance companies. A.M. Best and Standard & Poor’s are the two major companies that issue these financial ratings. Both companies assess the financial strength and creditworthiness of risk-bearing

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entities and investment vehicles. It can take years for a professional liability claim to arise, and even longer to resolve it. A client should be confident that its insurer will be a viable company and remain in business. Rated “A” excellent by A.M. Best and “A-“ by Standard & Poor’s, CNA offers the financial strength and is well positioned to serve policyholders, even through changing market conditions. Commitment and Experience. CNA has over 40 years of experience working with the dental professional community

and

boasts

over

35,000

insureds

nationwide. The Professional Protector Plan® embraces the opportunity to deliver value to clients through designing

individual

insurance

programs,

providing

experienced claims handling services and offering a broad risk management program that is highly respected throughout the dental community. Quality vs. Price. Price should never be the only determining factor in the purchase of an insurance product. You want to obtain a policy that you can trust will be there when you need it…during the unforeseen

Specialized Agents The Professional Protector Plan® for Dentists is proudly represented by the finest agents in the country that specialize in dentist professional liability insurance. Many of our agents have been with us for more than ten years, some since the inception of the PPP. They understand the unique risks a dental practice faces and will help analyze your risk, as well as find insurance products and solutions to help you meet your needs. A trusting and comfortable relationship with your insurance agent is another key factor in choosing the policy.

time a claim may arise

7


Risk Management Overview Risk management is a loss prevention process by which one identifies, evaluates, controls, and minimizes risk exposures.

Your malpractice insurance carrier should not only defend covered claims on your behalf, but also offer products, services and resources to help you learn how to identify and reduce your risks. Risk management is a loss prevention process by which one identifies, evaluates, controls, and minimizes risk

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exposures. When choosing a malpractice insurer, be certain

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your insurance company has a strong risk management program

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in place. Risk management education is an important element of a strong professional liability insurance program and should benefit insureds by providing tools and resources to help them create strategies to reduce risk in their practices. A strong risk management program should include clinical case studies, a workbook that you can retain including free samples forms (informed consent form, for example), a discussion of legal concepts in malpractice, strategies for effective patient communication, advice on patient information records and chart documentation, protocols for managing adverse events during and after treatment, procedures for patient management (to include fee disputes and referrals), and claim statistics.

Risk Management Resource Links • Articles and Forms • Dental Expressions Newsletter • Home Study Course • Live Half Day Seminars View Claims by Dental Procedure 2004 - 2007

Student Risk Management Seminars Another great way to reduce the chance of a malpractice claim and to learn about the risks associated with entering clinical practice is by attending a student risk management seminar. Contact your local Professional Protector Plan agent to see about scheduling a risk management seminar at your dental school. Those students who attend a student risk management seminar prior to graduating receive a 3-year 7.5% professional liability premium credit in addition to any other credits given on a new dentist policy.

8


Claims-Made versus Occurence Malpractice Policies Top 10 Risk Management Tips When selecting a malpractice insurer, be certain your insurance company has a strong risk management program in place.

1. Strive to engender patient satisfaction in every aspect of your practice. Unhappy or dissatisfied patients are more likely to file claims against you. 2. Ensure that your patient has reasonable expectations concerning treatment outcome before you begin to render any care.

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3. Retain complete, accurate, and unaltered records, including all pertinent diagnostics. 4. Perform thorough examinations and document your findings, including all negative findings of periodontal, oral cancer, and TMJ examinations. 5. Obtain adequate medical and dental histories on all patients and update them regularly. Document the information in the patient’s dental record. 6. Inform patients of untoward events or bad outcomes. Do not attempt to conceal this information. 7. Document in the patient’s dental record the receipt of written or oral patient authorization when a copy of a portion or all of the dental record is released from the office. Never release original records! 8. Document the receipt of informed consent in the patient’s dental record each time an informed consent discussion takes place, as well as the receipt of informed refusal for any treatment recommendation refused by the patient. 9. Before sending any account to collection, carefully review the patient’s treatment outcomes, attitude, and level of satisfaction, including the accuracy and completeness of your record keeping. 10. When terminating a doctor-patient relationship, send the patient a letter that states the relationship is ending and provides the patient with information about treatment needs, access to emergency care, finding another dentist, and obtaining a copy of the patient record.

9


Advantages of The Professional Protector Plan® For Dentists The PPP serves dentists nationwide providing superior claims service, risk management programs and value added benefits, which are exclusive to our insureds.

1. Time and convenience: Availability and access through one agent and one insurance company insuring your professional liability (malpractice), general liability (such as slip, trip and fall, advertising injury, etc.) and property exposures.

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2. Package concept: Incorporating professional liability (PL), general liability (GL) and property insurance into one package product helps avoid expensive (for you) gaps in coverage and duplication of coverage. Package discounts are available when you purchase PL, GL and Property insurance coverages together. 3. Stability: The Professional Protector Plan® has been in existence for more than 40 years and was the first to offer a package product to dentists. The PPP offers experienced State Administrators who service you locally and assist at claim time. 4. Quality claim service: Our experienced claim professionals know dentistry. With our experience, we provide you with knowledgeable advice and personal service. We consult with you to resolve a claim as expeditiously as possible to save you time and paperwork. That’s our promise to you.

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Coverages / Products The PPP serves dentists nationwide providing superior claims service, risk management

programs

and

value

added benefits, which are exclusive to our insureds. * Professional Liability Coverage * General Liability Coverage * Property Coverage * EPL Coverage * Workers’ Comp PMA Coverage

5. Industry-leading risk management seminars and service. The CNA HealthPro Dental Professional Liability Risk Management Seminar, developed by dentists for both dentists and their staffs, will provide you with skills, tips and techniques to help you better manage patients and your role in the practice.

* Workers’ Comp Hartford Coverage * Dental Lab Professional Liability * NetProtect Cyber Coverage * Applications

10


Claims-Made versus Occurence Malpractice Policies A Range of Choices We cover many classes of dentistry, from general dentists to oral and maxillofacial surgeons.

Our professional liability coverage is issued on either a claims-made or an occurrence basis, with limits ranging from $1,000,000 per claim/$3,000,000 annual aggregate to $5,000,000 per claim/$8,000,000 annual aggregate for qualified insureds. We cover many classes of dentistry, from general dentists to oral and maxillofacial surgeons. Some of the features of our policy include: • •

• • •

• • • • •

Consent-to-Settle Clause – we will not settle any claim without the insured’s consent. Vicarious Liability – a must for any dentist who can be held liable for the conduct of employees, independent contractors, employed dentists and even specialists to whom you refer patients. Vicarious liability coverage is specifically included in the PPP policy language for all these exposures. Employees and Independent Dental Hygienists – employees (except dentists) are automatically covered on a shared-limits basis. This includes dental hygienists when they work for the insured dentist as an independent contractor. Defense Costs – are provided in addition to the limits of liability. Therefore, defense costs do not reduce the limits of liability. Separate Limits – limits of liability apply separately to each practitioner who is individually named in the policy. Board/Committee Member – coverage is provided for the professional services as a member of a formal accreditation, standards review or other professional board or committee related only to a professional society or hospital. Contractual Liability Coverage – insures you when you assume liability, as you often must, in hold harmless or indemnification agreements required by HMO’s, PPO’s, IPA’s or similar organizations. Disciplinary and Licensure Coverage – pays the fees, costs and expenses to defend you against state regulatory action prompted by an otherwise covered injury or damage. First Aid Coverage – pays for medical expenses when your patient is accidentally hurt during treatment, regardless of fault. Coverage Territory - worldwide coverage, as long as the suit is brought in the U.S., its Territories & Possessions, Puerto Rico and Canada. Anesthesia Restrictions - no restrictions in policy language for anesthesia or procedures.

11


Employment Practices Liability (EPL) PPP policyholders are entitled to a package of services to help you manage your employment practices risks. These services are available at no additional charge and include HR Web Training.

If you employ anyone, Employment Practices Liability (EPL)

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defense coverage is important to you in today’s litigious climate. Enactment of the Americans with Disabilities Act of 1990 and

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the Civil Rights Act of 1991 have brought EPL issues to the

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forefront. Expansion of employee legal rights and remedies, as well as the corresponding increase in public awareness, has heightened the risk of employees bringing suit in an attempt

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to recover damages. That’s why the PPP offers EPL defense coverage automatically on the policy, with an option to purchase an endorsement to cover the Indemnity payments (judgments and settlements). PPP policyholders are entitled to a package of services to help you manage your employment practices risks. These services are available at no additional charge and are comprised of the following: H.R. Web Training This is an interactive, web-based platform that will help CNA policyholders train their employees and develop state-of-the-art employment practices and procedures. H.R. Web Training, provided by in2vate, LLC, a nationally recognized human resources consulting and training company, features a menu of training and best practices tools designed to help empower organizations in their efforts to better manage their workplace and minimize employment-related issues and litigation risk. H.R. Web Training provides on-line, interactive training courses on a variety of employment practices topics, including sexual harassment prevention.

Such training has become increasingly essential, even

to a successful organization, as it fosters positive employee relations and may help prevent employment practices claims. It can also provide evidence useful to your defense in the event of litigation.

12


Claims-Made Malpractice Policies Employment versus PracticesOccurence Liability (EPL) PPP policyholders are entitled to a package of services to help you manage your employment practices risks. These services are available at no additional charge and include HR Help Line

H.R. Help Line

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As an important and valuable risk control feature of the EPL program,

insured

dentists

may

receive

human

resources

consulting advice through the H.R. Help Line, provided by Jackson Lewis, LLP, a national law firm that specializes in employment law. Simply ask your human resources representative to call the

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toll-free H. R. Help Line at 1-888-CNA-EPL1 (1-888-262-3751), identify your company as a CNA employment practices liability policyholder and provide your company’s policy number. The H.R. Help Line is serviced by attorneys who do not act as legal counsel to callers, but rather as human resources consultants, providing information regarding employment laws and risk control strategies. For example, callers can receive guidance about the impact of certain employment laws upon their workplace and general information about the implementation of human resources

Benefits Professional Protector PlanÂŽ for Dentists The oldest and largest professional liability and practice protection program, designed specifically for dentists.

policies and procedures. Please note that the H.R. Help Line can not provide legal advice pertaining to specific personnel decisions. Jackson Lewis is neither an affiliate of CNA nor is it an agent or

* Advisory Boards * Appeals Process * Claims * Conventions * EPL Services

broker. As such, information reported to Jackson Lewis is not notice to CNA of any claim or potential claim. Please contact your insurance agent or broker to report claims or potential claims.

The PPP serves dentists nationwide providing superior claims service, risk management programs and value added benefits, which are exclusive to our insureds.

13


Advisory Boards

The PPP has two active advisory boards. This structure keeps the PPP in touch with your needs.

The PPP has two active advisory boards: the National

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Advisory Board and the State Administrator Advisory Board. This structure keeps the PPP in touch with your needs.

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The National Advisory Board (NAB)

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The National Advisory Board is comprised of four prominent

dental

professionals.

A

geographically

diverse group with different areas of expertise, the NAB is committed to the enhancement of the national prominence of the Professional Protector Plan® by providing input on the needs and concerns of dentistry. The NAB works closely with PPP management, helping to develop risk management procedures and advising on coverage needs, emerging trends, developments, and relevant legislation. The State Administrator Advisory Board (SAAB) The State Administrator Advisory Board brings the concerns of both the insurance professional and the insured dentists to the PPP. Half of the SAAB’s members are appointed to their positions, and half are elected by their peers. The SAAB assists in keeping the program focused on its national scope while responding to local issues. The SAAB also acts as a conduit for information to and from the State Administrators, focusing on coverage enhancements and suggestions.

Benefits Professional Protector Plan® for Dentists The oldest and largest professional liability and practice protection program, designed specifically for dentists. * Advisory Boards * Appeals Process * Claims * Conventions * EPL Services The PPP serves dentists nationwide providing superior claims service, risk management programs and value added benefits, which are exclusive to our insureds.

14


Claims-Made versus Occurence Policies The Professional Protector Plan® ForMalpractice Dental Students Our extensive program for students is designed to meet the insurance needs of students while enrolled in dental school.

Our dental student professional liability coverage

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protects you during your dental training and dental board exams, while our equipment coverage protects your dental instruments, textbooks and equipment. After you graduate, selecting a professional liability insurance program is one of the most important

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business decisions you’ll ever make. Choose the program that is committed to the long-term success of your practice and your profession - the Professional Protector Plan. Regional Board Exams

The Professional Protector Plan® will provide professional liability insurance at no additional charge to the candidates taking any of the following Regional Board Exams:

• Council of Interstate Testing Agencies (CITA)

• North East Regional Board (NERB)

• Southern Regional Testing Agency (SRTA)

• Western Regional Testing Board (WREB)

Professional Protector Plan® for Students Resource Links * Professional Liability Policy * Equipment Coverages * Success Seminars * Board Exam Coverage * Applications

This offer is available to all dental candidates taking the above listed regional board exams. The coverage applies to the live patient-based (clinical) portion of the board exam only. To take advantage of this offer, candidates must complete the dental candidate application included in the regional examining board’s registration packet. This application must be returned to the regional testing service along with the registration form.

15


Graduating Students The basic steps of managing risk in the dental profession involve a few simple principles. We have dedicated ourselves to make your decision easy and as comfortable as possible.

You have just spent at least the past four years in dental

Dental Resource Links

school, and are looking forward to graduating. You may have opted for a Residency program. Since you have invested so much time preparing for your future, you want to be certain that you are knowledgeable and fully informed about the best way to insure your practice. We have dedicated ourselves to make your decision easy

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and as comfortable as possible. The basic steps of managing risk in the dental profession involve a few simple principles. First, perform clinical dentistry that always meets or exceeds the standard of care, generally defined as what a reasonable and prudent dentist would do in the same or similar circumstance. Second, practice with the golden rule in mind and treat patients as you would wish to be treated by focusing on both the quality of your dental professional services as well as the quality of your doctor/patient relationship. Third, be an effective communicator, with patients as well as staff. Communication involves more than what you say. It includes your facial expressions, your body language, and how you say the words you’ve chosen. And fourth, thoroughly document your patient care. Patient care encompasses, among other elements, the treatment you perform, the discussions you have and the recommendations you provide.

New Dentist Discount Our policy offers competitive rates to new dentists for the first year of practice and premium discounts for the next three years of the new dentist’s policy term. The Professional Protector Plan® (PPP) for Dentists offers a policy specifically designed with the “New Dentist” in mind. * Professional Liability Policy * Equipment Coverages * Success Seminars * Board Exam Coverage * Applications Ask about our $50 first year claims- made policy.

16


Claims-Made Summary versus Occurence Malpractice Policies Important questions to ask when evaluating an insurance company.

Important questions to ask when

evaluating an insurance

Dental Resource Links

company. 1. What is the financial stability/A.M. Best rating? 2. How long have the program and insurance company been insuring dentists?

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3. What is the number of dentists insured nationwide?

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4. What procedures or specialties are excluded by the policy? 5. What is the coverage territory? 6. What is the consent-to-settle provision? 7. Is vicarious liability coverage included? 8. Are there anesthesia restrictions? 9. Is Employment Practices Liability coverage offered? 10. Is there a Risk Management Program in place? Check its quality. Irrespective of the current stage of your career or your future professional plans, this information should help guide you in your decisions regarding dental professional liability insurance. Throughout this guide we have addressed several areas of importance when evaluating a malpractice carrier. We understand that purchasing malpractice insurance is one of the most important decisions you will make. Knowing the answers to the above questions will help you make an informed decision. If you have any additional questions that were not addressed in this guide, we would be pleased to assist you. You may contact the PPP at 1-800-922-5694 or log on to www.protectorplan.com for additional information and an agent listing. The purpose of this resource is to provide information, rather than advice or opinion. It is accurate to the best of the author’s knowledge as of the date of the resource. Accordingly, this resource should not be viewed as a substitute for the guidance and recommendations of a retained professional. In addition, CNA does not endorse any coverages, systems, processes or protocols addressed herein unless they are produced or created by CNA. Any references to non-CNA Web sites are provided solely for convenience, and CNA disclaims any responsibility with respect to such Web sites. To the extent this resource contains any examples, please note that they are for illustrative purposes only and any similarity to actual individuals, entities, places or situations is unintentional and purely coincidental. In addition, any examples are not intended to establish any standards of care, to serve as legal advice appropriate for any particular factual situation, or to provide an acknowledgement that any given factual situation is covered under any CNA insurance policy. Please remember that only the relevant insurance policy can provide the actual terms, coverages, amounts, conditions and exclusions for an insured. All CNA products and services may not be available in all states and may be subject to change without notice. CNA is a registered trademark of CNA Financial Corporation. Copyright Š 2010 CNA. All rights reserved.

17


Appendix A

Claims by Dental Procedure % of Total Claims

Rank

% of Total Dollars

14.9

Crowns

1

Root canal therapy

13.8

13.5

Root canal therapy

2

Extractions, simple

11.9

11.6

Extractions, simple

3

Crowns

8.9

5.0

Extractions, surgical

4

Extractions, surgical

7.3

4.3

Fixed bridges; tooth supported

5

Examinations

6.6

3.5

Examinations

6

Non-cast restorations

4.5

3.4

Non-cast restorations

7

2.8

Composite restorations

8

2.8

Implant surgery; placement

9

Implants

3.3

2.3

Partial dentures

10

TMJ Tx; non-surgical, reversible

2.3

Fixed bridges; tooth supported Implant surgery; placement

4.5 4.1

*CNA HealthPro

% of Total Claims - the number of reported claims arising from this procedure; stated as a percentage of the total number of reported claims. % of Total Dollars - the amount of money spent on claims arising from this procedure; stated as a percentage of the total dollar volume spent on all reported claims. (Includes indemnity of payments and allocated claim expenses.) 2004 - 2007 Data

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PPP Student Guide  

The Professional Protector Plan for Dentists' Student Guide

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