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I think there is a lot of inconsistency in advice given by the RCN on this point. They donšt understand how OHNs practice. Chris Cox is the person to check with. Anne On 22/06/2011 20:30, "sharon naylor" <[log in to unmask]> wrote: > when I was freelance I was categorically told that the RCN would not cover me > - hence MDU membership which at that time was cheaper if you joined AOHNP at > the same time > > > Date: Wed, 22 Jun 2011 15:27:40 -0400 > From: [log in to unmask] > Subject: Re: [OCC-HEALTH] Indemnity insurance > To: [log in to unmask] > > Dear All > I was told by the RCN in 2006 I was not covered if my company made the > contractual agreement-see below (Item 1) and I feel its too late when you > actually need the cover so to avoid any ambiguity I joined the MDU-its > objective is clear and I am absolutely certain I am covered. I need that level > of confidence. > At the very least I suggest Occupational Health Professionals do a > price/benefit comparison between the Trade Union that is RCN and MDU. > See the current MDU advert below (Item 2) it is unambiguous and absolutely > clear > I did maintain my RCN membership for a couple of years but found membership of > limited value to me and my practice and professional development. > Kind Regards > Lynda Bruce > Aberdeen > Item 1) > > Dear Ms Bruce, > > > > Thanks for your enquiry. I hope that the following points will assist you: > * cover under the RCN indemnity insurance scheme is personal to the member. > In other words it protects you against clinical negligence or public > liability claims arising from the delivery of a professional nursing service > acceptable to the RCN. > * It does not extend protection to a limited company. If you contract with a > client in the name of your company, then of course it is only your company > that is liable to the patient/client. Accordingly, the scheme will have > limited application in those circumstances, unless your company then sues you > for an indemnity. > * although the scheme protects members who are both employees and > self-employed, the latter are excluded where they 'employ' other health care > workers. You mention taking on associates, but in the event that the > associate delivers a service in the name of your company, the liklihood is > that the company remains liable, even if it subsequently seeks to pass the > liability on to the associate. In those circumstances, the RCN's insurers > take the view that the member's business is 'employing' another health care > worker, and therefore excluded from the scheme. > * I should add that whilst we are unfortunately unable to cover your company > under the scheme, you remain covered in relation to any personal liability > (e.g. good Samaritan acts etc). Further there are other benefits of RCN > membership, over and above indemnity insurance. > Best wishes, > > Chris Cox > > > Item 2) > > The MDU is a mutual, not for profit, organisation owned by our members. > Established in 1885, we were the world's first medical defence organisation > and have led the way ever since. > We defend the professional reputations of our members when their clinical > performance is called into question. > ******************************** Please remove this footer before replying. > OCC-HEALTH ARCHIVES: http://www.jiscmail.ac.uk/lists/occ-health.html > CONFERENCES AND STUDY DAYS: > http://www.jiscmail.ac.uk/cgi-bin/filearea.cgi?LMGT1=OCC-HEALTH > > ******************************** Please remove this footer before replying. > > OCC-HEALTH ARCHIVES: http://www.jiscmail.ac.uk/lists/occ-health.html > > CONFERENCES AND STUDY DAYS: > http://www.jiscmail.ac.uk/cgi-bin/filearea.cgi?LMGT1=OCC-HEALTH ******************************** Please remove this footer before replying. OCC-HEALTH ARCHIVES: http://www.jiscmail.ac.uk/lists/occ-health.html CONFERENCES AND STUDY DAYS: http://www.jiscmail.ac.uk/cgi-bin/filearea.cgi?LMGT1=OCC-HEALTH