According to the latest census data, those over the age of 60 will soon have a greater population than those in all other age brackets combine. As the population ages, family and friends will begin to look for the right intermediate care facility or long-term resident placement for their loved ones that need assistance. The information at www.highlandrisk.com helps explain the difference between the types of care facilities, but the insurance exposures and risks are quite similar between the many types of facilities.
Risks in Elderly or Disabled Care Facilities
Not everyone who is placed in a care facility is elderly. There are many centers that offer services to those who are disabled. Skilled nursing care facilities have more professional risk when it comes to physicians and support staff. However, the following information highlights some of the more common claims made against a care facility.
- Resident falls
- Improper care
- Pressure ulcers
- Delays in seeking medical treatment
- Failure to follow physicians orders
- Neglect or abuse
- Violation of patient’s rights
- Failure to treat or diagnose
Insurance That Protects Everyone
Those who are disabled or elderly are considered at-risk populations when it comes to speaking up about their care. If a claim arises or an accusation is made, an insurance plan will help provide the financial resources for a facility’s defense, but it can also help with the funding needed to settle a claim.