March 7, 2010

Illinois Nursing Homes Must Carry Insurance

by Levin & Perconti

The Clarion Ledger has recently posted an article discussing the needs of nursing homes to carry insurance. The article points out that many nursing homes do not carry enough liability insurance to cover damages caps if a nursing home abuse lawsuit is filed. Many nursing homes face lawsuits after physical and sexual abuse or nursing home neglect. Nursing homes should be required to carry enough insurance to cover a vulnerable person that is injured, mistreated or abused while a resident at the home.

In Mississippi, a current House Bill 536 would require non-government nursing homes to carry $500,000 in liability coverage which is equivalent to the amount that the government nursing homes must carry under the Tort Claims Act. While this out-of-state legislation may seem like an obvious need to those who believe in elderly rights, many insurance companies and nursing home lobbyists are working diligently to try to kill the bill before it reaches the Senate. Since nursing homes have received the damage caps they believe are so important, it is imperative that they carry insurance. The elderly need and deserve the accountability afforded to them with the passage of HB 536. To read more about the nursing home legislation, please check out the link.

Illinois is one of the states that does not require nursing homes to carry liability insurance. We hope that new Illinois nursing home reform legislation will require homes to operate with insurance. The Chicago nursing home abuse attorneys at Levin & Perconti encourage people to ask if a nursing home carries insurance before entrusting a loved one to the facility. Researching a nursing home’s insurance information is an important step to ensuring your family members rights in the event of an injury caused by negligence.