Chapter 10 Legal And Ethical Issues in Nursing 6th Edition by Ginny Wacker Guido

Chapter 10 Legal And Ethical Issues in Nursing 6th Edition by Ginny Wacker Guido

 

Complete Chapter Questions With Answers

 

Sample Questions Are Posted Below

 

Question 1

Type: MCSA

The nurse recruiter says, “We have a liability insurance policy that covers all nursing employees.” The nurse seeking employment at this facility identifies which policyholder?

1. The party against whom a suit is filed
2. The nursing department employees
3. The hospital
4. The insurance agent who sells the policy

Correct Answer: 3

Rationale 1: The party against whom a suit is filed is a defendant (who may or may not hold an insurance policy).

Rationale 2: The nursing department employees are the “insured.”

Rationale 3: The holder of the policy is the person (in this case, the hospital) who purchases the policy.

Rationale 4: The agent is a representative of the insurance company.

Global Rationale:

 

Cognitive Level: Applying

Client Need: Safe Effective Care Environment

Client Need Sub: Management of Care

Nursing/Integrated Concepts: Nursing Process: Assessment

Learning Outcome: 10.1 List elements common to all professional liability insurance policies.

 

Question 2

Type: MCMA

A nurse has been named in a lawsuit. The nurse’s insurance company has declined to cover any costs until policy exclusions have been verified. What would the nurse expect the company to review?

Note: Credit will be given only if all correct choices and no incorrect choices are selected.

Standard Text: Select all that apply.

1. Length of employment
2. The insured’s educational preparation
3. Length of time the nurse has been registered
4. Licensure of the insured
5. Nature of the insured’s work

Correct Answer: 4,5

Rationale 1: Length of employment does not fall under policy exclusions.

Rationale 2: Educational preparation is verified when the policy is issued and does not pertain to exclusions at this time.

Rationale 3: Length of time the nurse has been registered is not pertinent to exclusions.

Rationale 4: In professional liability policies, exclusions frequently describe circumstances or activities that will prevent coverage of the insured party. Exclusions also include the absence of appropriate licensure or certification. Therefore, the company would check the insured’s licensure.

Rationale 5: In professional liability policies, exclusions frequently describe circumstances or activities that will prevent coverage of the insured party. The insurance company would check the activities that are a part of the insured’s work to ensure that they do not fall in the exclusions category.

Global Rationale:

 

Cognitive Level: Applying

Client Need: Safe Effective Care Environment

Client Need Sub: Management of Care

Nursing/Integrated Concepts: Nursing Process: Assessment

Learning Outcome: 10.1 List elements common to all professional liability insurance policies.

 

Question 3

Type: MCSA

The nurse has been named in a lawsuit claiming a patient was injured due to her negligence. The nurse dropped her personal professional liability insurance several months ago, but believes the policy may have been in effect at the time of the incident. In which part of the policy would the nurse look for information about the coverage period?

1. Deductibles
2. Exclusions
3. Declarations
4. Liabilities

Correct Answer: 3

Rationale 1: Deductibles are a separate section of the policy and would not include information about coverage dates.

Rationale 2: Items not covered by the policy are called exclusions. This is not associated with the coverage period.

Rationale 3: Declarations include the “demographics” of the policy: the policyholder’s name, address, covered professional occupation, and the covered time period.

Rationale 4: The limits of liability are in a separate section of the policy and do not speak to the coverage period.

Global Rationale:

 

Cognitive Level: Applying

Client Need: Safe Effective Care Environment

Client Need Sub: Management of Care

Nursing/Integrated Concepts: Nursing Process: Assessment

Learning Outcome: 10.1 List elements common to all professional liability insurance policies.