Nursing Home Insurance

Resident Safety and Nursing Homes Insurance Rates

Owners of a nursing home have a duty to provide a safe and caring environment for residents living at their facility. The families of people being admitted pay a lot of money and want an assurance that their loved ones are getting the care and services they need. At the time of admittance, as well as during their stay, their rights as residents should be discussed and carefully explained to them, as well as documented in writing, so there is no misunderstanding about what is to be expected.


Federal laws specify that a nursing home must protect and promote the rights of each resident in their care. Any resident that becomes injured, or is mistreated in any way, will likely seek retribution by filing a claim and having the matter decided in a court of law. This demonstrates one way in which nursing homes insurance rates can be affected, however, the policy will provide protection for nursing home owners when such a situation arises.


A certain level of treatment and care is expected


Residents should be treated with respect at all times. They have the right to be treated with dignity by caregivers, staff, and guests, along with other persons working at, or visiting the facility. Proper monitoring should be done to ensure that the residents do not experience verbal, sexual, physical, or mental abuse at any time. Another concern is cases where abuse of any property or money in their possession, known as “misappropriation of property,” exists.


Any improprieties should immediately be reported to the nursing home administrator. The nursing home must then investigate and should report all suspected violations and any injuries of known or unknown origin within 5 working days of the incident to the proper authorities. Not doing so could further put the facility at even greater risk.


Nursing home abuse cannot be tolerated


Staff, workers, and caregivers should be properly screened, and any reports of neglect or abuse by any member of the staff should be dealt with swiftly and accordingly. Residents have the right to make a complaint against anyone they feel has been mistreating them, whether that person is a caregiver of the nursing home or any other person, without fear of punishment or retaliation. There complaints should always be taken seriously unless proven otherwise. Reducing claims by following rules and providing the best possible care can help keep nursing homes insurance rates manageable.