- My Organization is Volunteer Run. I don’t need more insurance
- Why People with Dental Insurance Don’t Go to the Dentist…Cost is the biggest fear. Get informed on your Policy!
Med Pay under your General Liability policy may limit or exclude coverage for your injured volunteers. Review the insurance policy terms and conditions.
Volunteer Protection Act: What this really means for your organization
Many Non-Profit organizations believe that because they are a volunteer-run organization that they are shielded from liability and therefore do need insurance. This belief stems from the language of the Volunteer Protection Act.
The Volunteer Protection Act states that “no volunteer of a nonprofit organization or governmental entity shall be liable for harm caused by an act or omission of the volunteer on behalf of the organization or entity.”
However, the Volunteer Protection Act does not shield the organization from the negligence of a volunteer. Further a volunteer may not be protected if there are state laws that impose liability on the volunteer. For example if a state law requires risk management procedures to be followed and the volunteer does not follow them, there is potential liability. Click here to see more language regarding the Volunteer Protection Act.
As many nonprofits know from experience, California has abolished charitable immunity. This means that nonprofits do not enjoy immunity from lawsuits or liability. A nonprofit may be sued for its negligent acts from its employees and from its volunteers.
In light of this, nonprofits should protect themselves with internal and external risk management controls. Nonprofits internally should have appropriate risk management controls in place such as hands on training with the volunteer. Preventative risk management is the first step to keeping claims under control and lowering the overall premium.
External controls protect your organizations from potential claims. Remember no single insurance policy will cover every claim against your organization. It is important that your organization protect itself with Directors and Officers and Commercial General Liability with high enough limits. The limits will depend on your organizations risk exposure and funder contracts. Review all coverages with your attorney and HR professional.
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For informational purposes only. This is not to be construed as legal advice
WHY PEOPLE WITH DENTAL INSURANCE SKIP ORAL HEALTH CHECKUPS
by Pamela Akop
Routine dental checkups do more than brighten your smile!
They can help keep teeth and gums healthy throughout your life. They can also possibly catch serious medical problems, such as diabetes and heath disease,
However, a CIGNA nationwide survey of consumers finds many aren’t taking advantage of preventive oral health services – even when they have dental coverage.
More than one-fourth of insured adults are not getting regular dental checkups due to concerns about:
- Consumers do not believe preventive dental care is a “free” benefit. They expect to pay something during a routine dental exam, such as a copay or additional services.
- Consumers do not check their plan to see what they may owe before a dental appointment – and may not even know how to check their plan. This adds to their concern about cost.
- Consumers who have been avoiding the dentist believe their exam will cost more because their dental health may have worsened.
- Consumers believe that if they aren’t having any tooth pain, they don’t need to go the to the dentist.
- The lack-of-need excuse is most common with those who have been to the dentist once in the past year. However, this lack of need may be overstated.
- The dentist is too painful – even during a cleaning. This is an important reason as to why they don’t go.
- When asked about needing dental procedures, almost half of consumers admitted to maintenance or chronic dental conditions that needed attention.
- More than four out of 10 people reported fear and anxiety as a barrier for avoiding the dentist.
- 25% of people claim to suffer from emotional embarrassment, which can also be a cause of anxiety.
- People ages 45 to 64 are 50% more likely not visit the dentist at all during the year compared to those 26 to 34.
- There seems to be confusion about what is covered under preventive care. Cost concerns really shouldn’t be a barrier, as most plans cover in-network preventive care visits every six months with no or low out-of-pocket costs.
It is important that individuals can turn to their insurer, dentist or employer for the education and tools that can assist them in overcoming perceived barriers to preventive services.
Having even one dental checkup a year can make a difference. Those who had one exam during the year are nearly twice as likely to report their oral health as very good or excellent compared to those who failed to go at all.
DO NOT WAIT UNTIL YOU ARE HAVING A TOOTHACHE TO VISIT YOUR DENTIST!!!