Does anyone have liability insurance? What can you tell me about it? Wondering if I (am IC) need i
Posted By: keep on learning on 2008-02-22
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Liability Insurance
I carry a $1 million umbrella policy that covers basically anything that happens at my home or in my car, except weather and acts of God. This policy costs me $213 per year and I feel that it is well worth it.
somebody please help me liability insurance
i have a job offer that requires liability insurance. company is accuscribe. i have no idea where to go to get this insurance or how much it costs. i am really confused. somebody, please help me!
E & O Liability Insurance
E & O Liability insurance with AAMT runs $300 per year.
Do most IC's buy liability insurance?
I cannot afford to buy this insurance. Am I jeopradizing my home, etc.
I keep wondering if this career is worth it. I seem to put in so many long hours and do not get paid what I really put into it. On the other hand, I do get that freedom of completing the work when I choose and whether it is in my pj's or not.
Just wondering. 
E&O Liability insurance
I realize many of us think we do not need this insurance. Unfortunately, a local area hospital thinks I do to work for them. Someone had told me they got this through their home owners policy. Any ideas on how to do that? I'm not a member of AAMT. I checked into it before, and it was rather expensive buying it outright from an insurance company. Thanks. I need to find more work and, unfortunately, this is what this hospital requires.
That's not true. You do not need liability insurance SM
I went through a similar situation not too long ago. My lawyer informed me that I do not need this insurance. The dictating physician is responsible for the content of the dictated file and if he/she fails to read it/correct mistakes before signing off - he/she is the one that buys the farm, not the transcriptionist.
In other words, error and omission insurance is a crock.
Professional Liability INsurance?
Does anyone have this through AAMT? If so, how much did you pay for it? If not, are there other options out there? I'm looking into errors and omissions and I read about this, and think it would probably be just what I am looking for, but I am curious about the price before I pay for an AAMT membership! Thanks.
Liability Insurance Rates? Does
anyone have a rough guesstimate of how much this could run an IC? I have been to various websites and got to an actual policy application form, but they only specify a cost of around $84 to $100, but don't say if that's monthly, quarterly, annually, etc. Anyone have an idea? Thanks!
Do any of you ICs out there carry your own liability insurance if
you are working for an MTSO? I do not carry this insurance and was looking for what you all can advise me. Thanks.
who will provide IC liability insurance when state farm does not?
I want to be an IC, but in calling my insurance company they do not cover liability insurance for anything to do with medical......Does anyone know who I could contact?
no liability on IC's because MT's dont' have liability
-- the docs do. I have yet to hear of an MT in court because of what she transcribed...so don't worry about the liability. Big panty wadder coming from insurance companies.
Liability
What company is this for?
What about liability???
Found a hard working young mom who desperately needs income. Told her I'd pay her $12/hr to help me get my home spring cleaned. But, I wonder about liability should she or her son (she needs to bring her 3 yr-old son with her) get hurt on my property. Or, heaven forbid, she stoops to the low road and scams me. I do not know her well and she seems relatively honest but I am paranoid.
Should I have her sign a waiver???
ESL's a liability?
Imagine if the messed-up phrase had been directly linked to some life-or-death decision, or an allergy to medication, peanuts, or whatever. Makes me wonder if hospitals & clinics have ever thought about the possibility legal trouble an ESL doctor can cause by not being able to speak clearly.
ICs and Liability
Does anybody know how liability is handled if a transcription mistake causes harm to a patient if the Transcriptionist is an "Independent Contractor?"
Is liability insurance one of the first things an IC must purchase? Does the MTSOs customer who hired the MTSO as an IC think it's a good idea to SUBcontract the transcription work to a subcontractor who may or may not be insured?
Speaking of ICs...I found the following link on the U. S. Department of Labor's website most interesting:
http://www.dol.gov/esa/whd/regs/compliance/whdfs13.pdf
It seems that a lot of transcription companies are illegally viewing employees as "independent contractors" when the criteria for such are not being met.
For example, if you hire an INDEPENDENT contractor to remodel your house, the contractor presents YOU with the contract, not the other way around. (Hint: The one who presents the contract must be the contractor!) The contractor presents you with the bill when the work is finished; you don't tell him what your "hourly rate" is.
You meet with him and come to an agreement as to price, what work you want done, and other things that both of you agree on.
However, you do NOT tell the contractor what tools they will use, what shifts they will work, or what equipment they will use to do the job. You can't say things like "I don't like DeWalt power tools. Go out and buy all Makita power tools if you're going to work on MY house."
Read what the U.S. Department of Labor says about Independent Contractors and how narrow that scope really is. Then, the next time a company hires you as an "independent contractor," act like it. Present them with YOUR contract and tell them what YOUR rate is. If they start talking about their cpl rate, then they're an employer, not your "customer." Remember, REAL ICs are the ones that bill for their work.
I bet other insurance carriers have insurance for their employees. Why not Wal-Mart? nm
:+
Virtually no liability as an MT...sm
you never hear about transcriptionists getting sued. You could just increase your homeowner's coverage to a 1 mil liability coverage - which would give you 1 mil liability for everything, not just getting sued as an MT. But I don't carry it and I don't know anyone who does. I have a small service and even when I sign contracts with hospitals that require vendors to carry insurance, they just write a line through that clause.
Not what I understand -- tax liability
It doesn't matter whether you get a refund it is what your tax liability is, I think you have to have had a liability of over the amount, or paid at least that much as taxes for the refund. If someone does not have enough withheld but still pays over $800 a year in taxes, they should get something. But if your tax liability goes down to zero, and you get EVERYTHING back that you have paid in plus more, then I do not think you would get anything. But again, I am no expert but what I heard is that you had to have paid at least that amount into as taxes after filing.
Oops, liability is his.
x
It has happened to most of us. I just wonder what liability ICs have regarding this. nm
I was deposed regarding a liability case
Patient only had a diagnostic test done where I worked. Family claimed it was from an accident. Insurance company bucked it saying it was congenital. My employer had to sue the family for nonpayment and because of that, the family's lawyer got a subpeona to have a disposition. I wasn't upset because I knew I had nothing to offer. The family's lawyer arranged to have it done where I worked (I was in charge of records Quality Assurance and for sending accounts to collections). The family's lawyer asked his mundane questions. The insurance company's lawyer kept trying to get me to say the ordering doctor ordered an unnecessary test. He finally asked me directly if I thought it was an unnecessary test. I looked him straight in the eyes and told him that I was not qualified to answer that as I did not have a medical degree and had no qualfication to state any test, procedure, etc., was every medically necessary. If he wanted a medical opinion, he would have to pay someone who was qualified to answer the question. He turned red and ended the whole thing.
What a total waste of time. 
Yes, sorry, the errors and omissions liability
insurance. I have not heard of it before, but there is a company recommended on company board and they require all IC's to have this type of insurance plan within 30 days of hire. The policy was very evasive to me, and I could only see the figure of $84, which I am guessing now might even be weekly? I think I'll forget about that company...
General Liability for Independent Contractors
I have just started a position for a company, and they require that I hold general liability insurance, but am a little lost as far as how to obtain that! Just wondering if anyone had any pointers for me.
Thank you in advance! :-)
ALSO wondering
I was just noting recently the whole ASR idea was not working as they originally planned, ALL ASR goes back through the same system from all accounts, and I have been noticing that some "learning" has changed, i.e., it will "learn" what a dictator says, then after going back through the system a couple times it "unlearns" and goes back to being wrong......... maybe they are figuring out it is not advance as well as planned ???
I'm also wondering...sm
if a Dictaphone can be used in place of a C-phone. Does anyone know? Thanks!
Just wondering
Anyone ever get a little b----y with tech support and get talked to by your boss about it? Tonight I was having nothing but computer problems plus trying to meet a deadline. This tech support guy was a real winner (not). He just flat out could not help me, plus I could hear a vacuum running in the background. I didn't yell or anything but I was quite frustrated and sarcastic. It's late at night and I'm PMSing!!! Do they ever "tell" your supervisor when that happens? 
Wondering...sm
Wonder if you would elaborate a little about why Proscript is a great company. I keep a notebook and I like to jot down what is good or bad about the company. Thanks!
Wondering
What happened to his 4th leg?
To Wondering
Like I said, there's always someone out there with a wise answer...Not Naughty,naughty, and no, it's not my OPINION. It's a fact. Polite is polite, rude is hurtful.and nasty. If you don't feel like re-answering questions, be polite and pass them onto someplace where they can get the answers OR don't answer at all.
just wondering
i worked for a company that wanted the equipment back before i would get my last check. not smart. had to fight for it. just curious where is the company located?
Just wondering, if you used your
phone line for work, such as C phone, would that give them the right to listen in on your phone calls or look at your phone bill? What if they reumburse you for the extra phone line? Does that give them the right to listen to your phone calls on that line?
Just wondering?
What do you think the hardest account is to type for?
Just wanted to see if it all ended up being the same..
I know several MTs with MS and I'm wondering if I have
some element of it, too.
Wondering about your
If you don't mind sharing, what is your skin care regimen like?
I am only asking because my husband and I have been going round and round about the fact that I buy Oil of Olay Total Effects and the Total Effects eye gel, plus the night cream. He thinks I'm crazy, that they don't work. I say why take the chance that they DO work and miss out on the benefits.
I'm going on 37, but think I look pretty good for my age. Just wondering if anyone else buys into these notions that these products can help us *age gracefully*. I don't want to look like I'm in my 20s cause I'm not...I have a son who's almost 19...so I'm proud of my age, just don't necessarily want to look quite as old as I am....thanks and have a wonderful day! 
Thank you. I was wondering how this could be done. nm
x
I'm wondering...
if this onslaught of deaths of original characters is leading up to the end of the show? Has anyone heard if this is the last season?
What I was wondering
is staying in the LA area with all of the nerve gas floating around? Maybe that just adds to everything. I like the place they are living in too.
Wondering
I read in your post that you "don't agree with people who use it [abortion] as a form of birth control." I was wondering why. Is it because you feel that one abortion is OK, but more than one will make it wrong, and if so, why was the first one not wrong?
Or, is it because abortion is too expensive and just too much on the woman's body to use as a form of birth control? I don't understand your comment and wish you could explain how you arrived at that. Thank you very much.
Just wondering...
Just wondering if anyone has gotton a job without having to take a medical transcription course?
Yes, I was wondering and
I hope you get what you pay for, Service. I hate to see folks like you bragging about getting applicants to do work for nothing. This makes me sick.
What comes around goes around. I hope you enjoy your status at this time, because things like this surely come back to haunt you.
Excuse me while I go BARF!
i was wondering the same, and
was told 'no'. So, what i did (had to start w/new computer) is open notepad and minimize it. Then bring up my favorites. One by one i'd click on a favorite. Then i'd copy and paste from the address bar onto notepad. It actually went real quick. Then it printed out the notepad info and as i needed these sites on the new computer, just typed the addresses in my address bar and re-added to favorites. That's the best way i found to transfer the info.
was wondering who would ask :}~
Yes, I typed the banner advertisement exactly as they had it. I wondered if someone would try to pin that one on me lol!
BTW, did you watch it? It had the person who went to India feeling very enlightened for the Indians and happy for the new opportunies they have, and more grateful for his own "wealth", including the loss of his job. hmmm...but of course, he stated how they were brain washed in order to do the call center jobs...
Was wondering about this....sm
I want to use my laptop full time but not sure if I should leave plugged in all the time or what. I read somewhere it wasn't good to leave laptop plugged in all the time with the battery in place. Sounds like you use the laptop on battery power, then plug in and use plugged in until battery charged? Seems like a lot of plugging/unplugging if battery only lasts two hours. I don't want to shorten the battery life, would like to keep it optimized for when I want to use the laptop on battery power only while away from home.
I am wondering . . .
I would just like to know an approximate amount of dictation minutes each of you would consider as full-time work? Basically, how many minutes you would commit to transcribe daily, five days a week, and would expect to keep you busy for roughly 8-hour days/40-hour workweek.
In most of the ads I see, if they do specify an amount, it is usually a line requirement to be transcribed daily (although I have seen some that list the amount of dictation, and seems like it may be about 60-90 minutes per day for full-time).
Obviously, we all know that there are many variables as to how long it would take to transcribe a certain number of dictation minutes (or produce a certain number of lines), but I would just like to get an average, if possible, by seeing what each individual considers full-time work for them, in dictated minutes.
Thanks in advance for your responses! Oh, and feel free to add any information you feel is relevant (i.e. been doing these docs for 20 years so . . ., do a lot of ESLs so . . . , etc.).
Thank-you! 
Wondering why....
Why do you feel that this is any of your problem? All you are doing is letting your husband know that you will overreact to things and he will just keep his mouth shut from now on....if he is smart. My husband has friends that I know run around and, as far as I am concerned, it is just not my buisness. I trust my husband,so what do I care what someone else's husband does. 
Thanks, now I am wondering...
why US companies won't hire Canadian employees? Maybe they want to keep US jobs in the US? But if you go to almost any border city, you'll find Canadians working in the States. And also find many US going to Canada for health care.
Guess this opens up a whole can of worms.
Anyways, thanks for the info. Now I know why you are looking for a Canadian company! Makes sense.
Good luck to you in finding a company that fits for you!
Just wondering
Do you clip your dog's nails often enough? I'm really not trying to be a "smarty", but the only time I've seen this sort of problem is when the animal's nails were not trimmed regularly, which I am guilty of because my dog hates it and makes it very difficult. If that is the case, then just about any kind of carpet would catch their nails, and it's more that their nails are putting them at risk, not the type of carpeting.
just wondering what everyone is having
Just wondering what
other MTs do when a prospective employer requests that you provide your salary requirements? If you're like me, you do not want to go too high and not get the job, but also do not want to quote too low when you could have gotten a higher rate if you had just asked. So, what do you do? In the past, I have always avoided applying if a company asked for salary requirements, but in this case the question was not asked until after I sent my resume, and I am interested in following this through to the testing/job offer. I am wondering if I answer in a vague, flexible way whether that would be a good thing or bad thing.
Any input from you guys would really be appreciated.
TIA!
I have been wondering about this myself (sm)
Thank you, Kris, for your response. This sounds almost too good to be true (I'm a skeptic by nature, and this just seems too easy and reasonably priced). Thanks again for your response. I'm curious to see more responses to this question - I really value the opinions on this board! MKM
wondering
are you working for a company that has tech-help? if so, don't hesitate to ask them. Sorry i couldn't be of more help.
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