ChiroFutures Risk Purchasing Group

Chiropractic Adjustments Are Safe and Effective

Recently the New York Times and the Washington Post reported on alleged risks of chiropractic care from adjustments to the neck.
 
There is no human experimental evidence that chiropractic adjustments or neck manipulations are causally related to strokes. ChiroFutures has issued a Press Release on the matter.

We also provide a number of other resources on the stroke issue in our Members Only section. Please take advantage of them so you are fully informed regarding this issue. 

CLICK HERE FOR PDF OF THE PRESS RELEASE


FOR IMMEDIATE RELEASE

Chiropractic Adjustments Are Safe and Effective

ATLANTA, Georgia – January 7, 2014

Recently the New York Times and the Washington Post reported on alleged risks of chiropractic care from adjustments to the neck.

There is no human experimental evidence that chiropractic adjustments or neck manipulations are causally related to strokes. The claims and statements that have been made and that have been interpreted by plaintiff attorneys, plaintiff experts and uneducated journalists that contend a link are based largely on very small case controlled studies.

A multitude of systematic distortions (biases) may effect the results and conclusions drawn from case-control studies. Other criteria must be used to determine whether an association is actually causative because an association, no matter how strong, does not prove causation. At this point in time due to the rarity with which neck dissections occur, experimental evidence in humans and prospective cohort studies examining the hypothesis that chiropractic adjustments cause stroke - do not exist. If such studies were to be carried out they would take a number of years to complete and would require thousands of subjects because of the rarity of the occurrence.

Regarding advising on risks - a risk should be disclosed if a reasonable patient in what the doctor knows or should know to be the patient’s position, would be likely to attach significance to the risk or cluster of risks in deciding whether to forego the proposed therapy. Patients and doctors must make this decision based upon appropriate information. Since there is no human experimental evidence that chiropractic adjustments or neck manipulations are causally related to strokes, suggesting  that such a risk exists is poor public health practice.

In addition, the same risk of stroke has been shown to be associated with visits to medical doctors as well. This research indicates that patients may be consulting medical doctors and chiropractors when they are in the early stages of a dissection or stroke, perhaps because of headaches or neck pain. In essence, there is a stroke already in process.

We encourage and support a shared decision making process between doctors and patients regarding health needs. As a part of that process patients have a right to be informed about the state of their health as well as the risks, benefits and alternatives related to care. Chiropractors are thoroughly trained to recognize when a patient’s symptoms are from an ominous cause such as dissection and are well trained to make the appropriate referral to a medical specialist.

Contact Information:

Matthew McCoy DC, MPH

CEO & Co-Founder – ChiroFutures Malpractice Program

http://www.chirofutures.org

matthewmccoy@comcast.net

404.247.2550

 

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Advancing Futures Scholarship Recipient Completes First Semester at Emory

Eric Zielinski was awarded the inaugural Advancing Futures Scholarship this past year and he has just completed his first semester at Emory University’s Rollins School of Public Health.

Besides keeping busy with a very rigorous program leading to his degree, Eric is hard at work fulfilling research and scholarly activity agreements as a part of his scholarship.

Eric recently completed a Critical Analysis of Georgia Senate Bill 261 which the Georgia Chiropractic Association (GCC)has submitted in an effort to add the word “Diagnosis” to the statute governing the practice of chiropractic in Georgia. Eric also began preliminary work on a research project involving Functional MRI scanning, heart rate variability and upper cervical adjustments.    

In addition to these projects Eric has had two case studies published and is working on several more.

The Advancing Futures Research & Scholarship Program was established as part of a 20 year plan to explore the epidemiology and clinical meaningfulness of vertebral subluxation.  ChiroFutures is proud to be working with the Foundation for Vertebral Subluxation and the International Chiropractic Pediatric Association on this important project.

CLICK HERE to find out more about the Advancing Futures program

ICPA Donates $5000.00 to the Advancing Futures Scholarship Program

The International Chiropractic Pediatric Association recently donated $5000.00 to the Advancing Futures Research and Scholarship Program.

The Advancing Futures Research & Scholarship Program was established as part of a 20 year plan to explore the epidemiology and clinical meaningfulness of vertebral subluxation.  ChiroFutures is proud to be working with the Foundation for Vertebral Subluxation and the International Chiropractic Pediatric Association on this important project.

Eric Zielinski was awarded the inaugural Advancing Futures Scholarship this past year and began his studies Emory University’s Rollins School of Public Health. Besides keeping busy with a very rigorous program leading to his degree, Eric is hard at work fulfilling research and scholarly activity agreements as a part of his scholarship.

CLICK HERE to find out more about the Advancing Futures program

Student Awarded the Inaugural Advancing Futures Scholarship

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As a member of ChiroFutures Malpractice Program you are probably aware that we are strong proponents of chiropractic research. And not just any research – research on lifetime, subluxation centered, family wellness research.

When we started our malpractice program we intended to fund research initiatives with this focus. The problem is that none existed.

So we decided to start one.

Over a period of about a year, and in cooperation with the Foundation for Vertebral Subluxation and the International Chiropractic Pediatric Association, we developed and recently launched the Advancing Futures Research & Scholarship Initiative.

We are excited to also share with you that we have selected our first scholarship recipient - an 11th Quarter Life University student named Eric L. Zielinski as the inaugural recipient of this prestigious $60,000.00 scholarship award.

Eric’s scholarship is for Emory University’s Master of Public Health program and their Prevention Science track. Currently ranked Number 6 out of all U.S. public health graduate schools, Emory is located in Atlanta, GA right in the heart of the public health world. Literally, next door to the Centers for Disease Control and Prevention (CDC), Emory has all the resources needed for Eric to be the point person and help put subluxation-centered chiropractic on the research map.
 
In addition to his peer-reviewed publications, his work relating subluxation-centered chiropractic care and reduced cardiovascular disease risk factors awarded him the opportunity to present at conferences like the American Public Health Association Annual Meeting in San Francisco and Baker IDI’s Mind and Heart Conference in Prato, Italy.

The Advancing Futures Research & Scholarship Initiative is discussed in detail in an article recently published in the Annals of Vertebral Subluxation Research. This research agenda seeks to validate the profession’s focus on the location, analysis and correction of vertebral subluxation and position chiropractic as a vitalistic, scientific, evidence-informed clinical practice. This research is expected to assist the profession in gaining a higher degree of respect, understanding and acceptance in the health care marketplace, the scientific community and among the patients it serves.

Most importantly – we want you to know that it is your choice of ChiroFutures as your malpractice provider that is making this possible. This is what we are doing with the fees you pay to be a member of our malpractice program.

We want to thank you for choosing us and through that choice allowing us to fund such an ambitious project.

For more information regarding the Advancing Futures Research & Scholarship Initiative Click Here

Click Here to Read the Press Release

As always I look forward to your feedback, comments and questions.
Matthew McCoy DC, MPH
CEO & Co-Founder
ChiroFutures
drmccoy@chirofutures.org
www.chirofutures.org

Reporting Possible Incidents

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A patient calls and cancels their appointment and requests their records. Maybe your staff doesn’t even tell you and just processes the paperwork and sends the records. Then a few months later you get the dreaded Intent to Litigate letter from the patient’s attorney.

Or you get a letter or some other notice from your state board or an attorney for a patient and you are being accused of violating some rule or regulation or being accused of malpractice.
Perhaps the letter seems ridiculous to you because the facts regarding the accusation are flimsy or even non-existent. So, you decide to respond to the letter from the board, or the attorney or the patient either by calling them or putting your response in writing.

Now please pay very close attention to what I’m about to say:

DO NOT DO IT!

Do not ever, under any circumstance respond to a board issue, malpractice accusation, audit or anything else that could involve the loss or sanctioning of your license without speaking to your malpractice insurance company FIRST.

Even if it’s like the first scenario where a patient simply calls and cancels an appointment and asks for their records. Or if a patient has an “incident” in your office – maybe they get dizzy after an adjustment. Maybe you send them to the ER after the adjustment because of an unusual reaction. Maybe a patient sends you an irate letter or leaves a nasty phone message complaining about you, or your staff, or your office etc.

Let me say this very clearly: if anything like this happens in your office – CALL US.

And if you are insured with someone else CALL THEM.

Some carriers actually only give you three days to report an “incident” which you may not have considered an “incident” at the time but three months later you get a letter from their attorney. Well, that carrier is going to hold you to the day the “incident” happened and say you did not report it in a timely manner and may deny coverage of that claim.

Listen – don’t be afraid or ever hesitate to pick up the phone and call us. That is what we are here for – to worry about the things that you don’t want to worry about.  

As always I look forward to your feedback, comments and questions.

Matthew McCoy DC, MPH
CEO & Co-Founder
ChiroFutures
drmccoy@chirofutures.org
www.chirofutures.org

Practice & Risk Management Consults

When Dr. Carrino and I started ChiroFutures we wanted it to be different than all other malpractice programs. Different in a variety of ways.

One of those ways involves being proactive rather than reactive. In other words, trying to prevent problems from happening rather than waiting until after they happen and then trying to respond.

Prevention is not only crucial to health – it is also crucial for any risk management program.

We also wanted to make sure that we were accessible to our insureds since this is an important piece if we really want to be proactive and help you with day to day issues you struggle with.

So in case you were not aware we have a Consult service at ChiroFutures and anytime our members have a question you can just give us a call and speak to myself or Dr. Carrino. If your question is something our team does not know the answer to – we will find the answer for you.

Listen – don’t be afraid or ever hesitate to pick up the phone and call us. That is what we are here for – to worry about the things that you don’t want to worry about.  

As always I look forward to your feedback, comments and questions.

Matthew McCoy DC, MPH

CEO & Co-Founder
ChiroFutures
drmccoy@chirofutures.org
www.chirofutures.org

Please Call Us

You are going along minding your own business, taking care of patients, running your office and engaging in the million other things you do in your life.

Then you get a letter or some other notice from your state board or an attorney for a patient and you are being accused of violating some rule or regulation or being accused of malpractice.

Perhaps the letter seems ridiculous to you because the facts regarding the accusation are flimsy or even non-existent. So, you decide to respond to the letter from the board, or the attorney or the patient either by calling them or putting your response in writing.

Now please pay very close attention to what I’m about to say:

DO NOT DO IT!

Do not ever, under any circumstance respond to a board issue, malpractice accusation, audit or anything else that could involve the loss or sanctioning of your license without speaking to your malpractice insurance company FIRST.

Let me say that again in a slightly different fashion. If you receive a communication from anyone including a state board, an attorney, an insurance company or a patient and that communication is in any way shape or form accusing or insinuating that you violated something in your practice act or that you hurt someone – before you respond please call your malpractice insurance provider.

In the couple of decades that I have been involved in risk management I can’t tell you how many times a well intentioned chiropractor who believes in her heart of hearts that they did not do anything wrong just goes ahead and writes a long winded narrative responding to the accusation and ends up doing only one thing: helping whoever is accusing you and hurting yourself.

Listen – don’t be afraid or ever hesitate to pick up the phone and call us. That is what we are here for – to worry about the things that you don’t want to worry about.  

As always I look forward to your feedback, comments and questions.

Matthew McCoy DC, MPH

CEO & Co-Founder
ChiroFutures
drmccoy@chirofutures.org
www.chirofutures.org

Are You HIPAA Compliant?

Whether you are new to the ChiroFutures family or have been with us for awhile please make sure that you are HIPAA compliant. At ChiroFutures we took the hassle out of you having to worry about this. Our Members Only section has a complete turn key package for all your HIPAA needs.

So just go to the Members Only section, follow the instructions for HIPAA implementation and you will be all set. Let us know if any questions or concerns. 

Click Here to Go Directly to Members Only Section

Claims Made Versus Occurrence Policies - HELP!

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There is probably nothing more confusing for chiropractors in regards to purchasing malpractice insurance than the comparison and contrast between a Claims Made and Occurrence policy. So lets take a couple of minutes and walk through them.

First up – COST. Occurrence policies are generally more expensive than claims made policies because you are charged for tail coverage (included in the premium) every year with the purchase of an annual occurrence policy. This is one reason its more expensive. With a claims made policy, tail coverage is a just one time charge when coverage is no longer needed.

ChiroFutures offers FREE tail coverage if you become permanently disabled or you have been insured with us for 3 or more years and are at least 55 years of age.

A claims made policy is more appropriate for insuring a lifetime profession like chiropractic. The reason being is that claims made policies mature with a doctor throughout their career. For example, if a DC had an occurrence policy and had an incident that occurred 10 years ago but was reported today, will that occurrence policy have the proper coverage to address the claim given how policy coverage changes over time?

If the standard limit of liability today is 1M/3M but in 10 years, increases to 2M/4M due to the rising costs of attorney fees, adverse litigation, etc… then the ability to report an incident to your current (up-to-date) claims made policy is more favorable than reporting an incident to an occurrence policy you had ten years prior.

Keep in mind that a company writing an occurrence policy could go out of business. In fact, they do go out of business and they have. Some reading this who have been in practice awhile will recall that there are several companies that wrote occurrence policies  in the chiropractic profession that are no longer in that business. Some just recently experienced this as two companies stopped writing chiropractors.
 
I should add that if a DC moves from one claims made carrier to another without any lapse, the new carrier will pick up prior acts coverage (retro-active date), so it’s not necessary to purchase a tail from the current carrier.

If a DC needs to purchase a tail (Extended Reporting Period) for whatever reason, it is a onetime charge of about 120% of the annual policy premium for a mature Claims Made policy. This tail or extended reporting period will extend for the rest of the DC’s life.

A claims made policy offers coverage for an event that occurs on or after the retroactive date but was first made against an insured during the policy period. The claims made policy is inexpensive at first and gradually increases over a period of time (4 years) to a “mature” premium.

Claims made policies offer flexibility - meaning that changes can be made to your current claims made policy and then they will apply to all your years of coverage back to your retroactive date. For example: If you increase your limits of liability at renewal on a claims made policy, the new limit of liability can be applied to all the years back to your retroactive date. On an occurrence policy, prior policies cannot be changed.

If you still decide to get an occurrence policy, make sure you retain copies of ALL of your policies throughout the years and be aware of the consequences if one of those insurance carriers goes out of business - who would you report the claim to?

As always I look forward to your feedback, questions and comments.

Matthew McCoy DC, MPH
CEO & Co-Founder
ChiroFutures
drmccoy@chirofutures.org
www.chirofutures.org

   

   

ChiroFutures Introduces Information and Network Security Insurance Coverage to its Program

NEW YORK, Jan. 31, 2013 /PRNewswire/ -- ChiroFutures Risk Purchasing Group is pleased to announce that it is now offering Information and Network Security Insurance Coverage to members of its Chiropractic Malpractice Insurance Program.

State Insurance Departments approved the inclusion of the coverage during 2012 and it includes coverage for Information and Network Security, Media Liability, Regulatory Privacy Proceedings, Customer Notification and Credit Monitoring Expense, and Electronic Data Recovery and Replacement Expenses.

Policyholders that elect to secure this coverage will also have access to "ID Experts" data breach consulting lifeline and/or its crisis advisory services. ID Experts web portal provides valuable data privacy news, articles, and checklists.

ChiroFutures' Co-Founder, Dr. Anthony Carrino said "ChiroFutures is recognized as having a long-term commitment to our customers and an ability to learn from and grow with the needs of Chiropractic practice. The inclusion of this coverage for the emerging area of Cyber liability risks demonstrates ChiroFutures' understanding of the complexities of today's Chiropractic practice environment and the need to protect Chiropractors for these risks."

The ChiroFutures program is designed to offer broad malpractice protection and defense coverage and includes new and emerging areas of liability for practitioners such as Regulatory Board Defense, Medicare/Medicaid/Health Plan Billing Error Defense, Information Privacy Wrongful Acts, and Peer Review Committee Defense.

For further information about the Chiropractic Professional Liability program, please contact Teresa Quale, Sonoran National Insurance Group, at teresa.quale@sonorannational.com or (480) 538-7173.

The Chiropractor's Malpractice Insurance Program is underwritten by Admiral Professional Programs on behalf of Great Divide Insurance Company and administered by Sonoran National Insurance Group. Coverage in Arizona is underwritten on behalf of Nautilus Insurance Company. Admiral Insurance Company, Great Divide Insurance Company and Nautilus Insurance Company are member companies of W. R. Berkley Corporation.  

SOURCE ChiroFutures Risk Purchasing Group