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How long after retirement do I need to carry malpractice insurance?

Friday January 4, 2013
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Dear Donna,

I am an RN, and I carry malpractice insurance. I have not had any problems. For the past 17 years, I was on staff in postanesthesia care. How long after full retirement should I carry this insurance?

Am I Covered

Dear Donna replies:

Dear Am I Covered,

This depends on your individual policy. Some policies are occurrence based, meaning coverage will be available at the time of a lawsuit, regardless of whether the policy still is in effect. If you do not have this type of policy, you likely can get a "tail" policy to cover you in case something comes up after you are no longer working. A simple phone call to your agent or carrier should clear this up for you. Also, you should read your policy to see whether this is explained.

Best wishes,

Donna Cardillo, RN, MA, well-known career guru, is Nurse.com’s “Dear Donna” and author of “Your First Year as a Nurse: Making the Transition from Total Novice to Successful Professional” and “The ULTIMATE Career Guide for Nurses: Practical Advice for Thriving at Every Stage of Your Career.” Information about the books is available at www.Nurse.com/CE/7010 and www.Nurse.com/CE/7250, respectively. To ask Donna your question, go to www.Nurse.com/Asktheexperts/Deardonna. Find a “Dear Donna” seminar near you: Call 800-866-0919 or visit http://Events.nursingspectrum.com/Seminar.