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PO Box 1, Princeton, New Jersey 08543-0001 609-275-4000 Disclaimer The format and contents of this web site are the copyrighted property of the New Jersey Hospital Association (NJHA). Users may download material from this site provided that any reproduction of the material is for legal, noncommercial purposes, and does not materially alter the material. Users may not download any membership list for any commercial purposes without permission from NJHA. NJHA DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, RELATING TO THIS WEBSITE AND ANY INFORMATION CONTAINED THEREIN, INCLUDING WARRANTIES, AS TO THE ACCURACY OR COMPLETENESS OF THE INFORMATION. NJHA SHALL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND, UNDER ANY THEORY OF LIABILITY, RESULTING FROM USER'S ACCESS TO THE WEB SITE OR USE OF ANY INFORMATION CONTAINED THEREIN OR USE OF ANY INFORMATION CONTAINED IN LINKED WEB SITES. Privacy Statement © NJHA 2001, 2002 http://www.njha.com Created and maintained by New Jersey Hospital Association. Disaster/Bioterrorism Preparedness Daily Message Tuesday, May 14, 2002 Itemized Hospital Bill Legislation Held in Assembly NJHA successfully convinced Assemblyman Anthony Impreveduto (D-Secaucus) to hold his itemized hospital bill legislation from Assembly vote on Monday, May 6, to provide an opportunity to meet to discuss our concerns. The bill, A-1857, would require healthcare facilities to provide an itemized bill to a patient that details provided services in plain language. Postponing the vote gives NJHA an opportunity to discuss concerns that sending itemized bills to all patients would impose an unnecessary, increased administrative burden on healthcare facilities, billing departments and customer service staff. A-1857 was amended in the Assembly Health and Human Services Committee, March 4, to exempt healthcare facilities from providing itemized copies of bills to Medicare and Medicaid recipients and to change the effective enactment date from 60 to 180 days. NJHA will be meeting with the sponsor to discuss other potential amendments to the bill.   Daily Message Library The NJHA Daily Message provides information of interest to healthcare professionals in New Jersey concerning breaking news or recent legislation. Please pardon our appearance as we update our Web design to better serve your needs. For optimal viewing of this Web site NJHA recommends using Microsoft Internet Explorer version 4.7 or higher or Netscape 4.0 or higher.

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The New Jersey Hospital Association - Press Releases   Press Releases For Immediate Release Contact: Ron Czajkowski , 609-275-4071 Betsy Ryan , 609-275-4241 March 14, 2002 SURVEY: TRIPLE-DIGIT MALPRACTICE PREMIUM HIKES COULD HAVE LINGERING IMPACT ON HEALTHCARE SYSTEM Princeton, NJ - New Jersey hospitals' medical malpractice insurance premiums jumped an average of 250 percent over the last three years, and 65 percent of facilities said skyrocketing insurance rates are driving some physicians out of the practice of medicine. Those findings were among the results of a new survey by the New Jersey Hospital Association to gauge the effects of rising medical malpractice insurance rates on the state's healthcare industry. More than half of NJHA's 106 member hospitals responded to the survey, and their responses provided a sobering study of escalating costs, reduced availability of insurance, and ultimately, worries that patients may experience difficulty accessing certain healthcare services. "We should consider this information a wake-up call," said Gary Carter, NJHA's president and CEO. "The fact that malpractice insurance is becoming more expensive is no great surprise. But we should be alarmed that these skyrocketing prices are driving many physicians out of medicine and threaten to have far-reaching effects on our state's healthcare system." According to the survey, seven out of 10 New Jersey hospitals experienced increases in their professional liability insurance premiums last year. The average hospital saw its premium jump from $373,328 in 1999 to $942,539 this year, an increase of 252 percent. In other findings, the survey showed: 78.2 percent of hospitals said their physicians had experienced sizeable increases in their medical malpractice insurance premiums. 74.5 percent of hospitals said they have had one or more physicians dropped from coverage entirely. 64.8 percent of hospitals said they have had physicians cease the practice of medicine or plan to leave practice because they were dropped from coverage or could not afford the premium increases. Respondents said OB/GYNs and surgeons were the types of physicians who most often reported dramatic malpractice insurance price hikes. Both hospitals and physicians maintain malpractice insurance coverage. Hospital professional liability insurance generally covers the institution, physicians employed by the facility and other direct care providers. The names of the physicians covered are generally listed in the policy, and there is a correlation between the cost of covering individual physicians and the overall policy cost for the hospital. In this survey, only hospital executives were surveyed. Their responses included reports on malpractice insurance premiums for physicians within their facilities. Respondents were asked about the impact rising rates have had on their hospitals. Many cited the overall fiscal impact on hospital budgets. One hospital administrator called the impact a "direct hit to the bottom line, which means less money for salaries, equipment, supplies, building maintenance, etc." The survey also asked respondents' opinions on the potential future impact of skyrocketing medical malpractice insurance rates. The most common response? A loss of ability for hospitals to provide specialty services to their communities. NJHA General Counsel Betsy Ryan shared the survey results Thursday with members of the state Senate Health, Human Services and Senior Citizens Committee, who held a hearing to gather testimony on the growing problem. NJHA praised the committee's co-chairmen, Sens. Joe Vitale (D-Woodbridge) and John Matheussen (R-Washington Township), for taking a proactive stand to confront this critical issue. "These survey responses make it clear that what's at stake is much more than hospitals' bottom lines and physicians' earnings," said Ryan. "Without relief from these rapidly escalating premiums, more and more physicians will be driven out of healthcare, and hospitals will face difficult decisions about what services they will - and will not - be able to provide. It's the patient who will feel the ultimate impact. We look forward to working with Health Committee members and other state leaders to avert such a crisis." | Daily Message | President's Advertorial | What's New | | NJHA Home |   © NJHA 2002 New Jersey Hospital Association 760 Alexander Road PO Box 1 Princeton, NJ 08543-0001 609-275-4000

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New Jersey Medical Malpractice Summary NEW JERSEY Statutes of Limitations Statutory Cap on Attorneys' Fees Contributory or Comparative Negligence       Periodic Payments Joint and Several Liability Collateral Source Rule Contribution Pre-Judgment Interest Vicarious Liability Patient Compensation Funds Expert Testimony Immunities Damage Caps Arbitration       Statutes of Limitations A medical malpractice action, like other personal injury actions, must be brought within two years from the date the cause of action accrued. N.J. Stat. Ann. § 2A:14-2 (West 1987). New Jersey courts have read a discovery rule into this statute, holding that a cause of action does not accrue so long as a party reasonably is unaware either that he has been injured, or that the injury is due to the fault of an identifiable person. Savage v. Old Bridge-Sayreville Medical Group , 260 N.J. Super. 417, 616 A.2d 1307 (App. Div. 1992). If, at the time the cause of action accrued, the claimant was under the age of 21 or insane, the time does not begin to run until the disability is removed. N.J. Stat. Ann. § 2A:14-21 (West 1987). Wrongful death actions must be brought within two years from the date of death. N.J. Stat. Ann. § 2A:31-3 (West 1987). Contributory or Comparative Negligence New Jersey has adopted the doctrine of modified comparative negligence. N.J. Stat. Ann. § 2A:15-5.1 (West 1987). Under this doctrine, a claimant's action is barred if his negligence exceeds the combined negligence of all defendants. Otherwise, the claimant's recovery is diminished in proportion to his percentage of negligence. Id . Joint and Several Liability In a negligence action in New Jersey, the trier of fact must determine each party's negligence as a percentage of the combined negligence of all parties. N.J. Stat. Ann. § 2A:15-5.2 (West Supp. 1997). Any defendant whose negligence is 60 percent or more is jointly and severally liable for the claimant's entire damages. N.J. Stat. Ann. § 2A:15-5.3 (West Supp. 1997). One whose negligence is less than 60 percent is only severally liable for that portion of the claimant's total damages that is equal to his percentage of negligence. Id . Contribution The Joint Tortfeasors Contribution Law provides for contribution when one tortfeasor has paid more than his pro rata share of a judgment. N.J. Stat. Ann. §§ 2A:53A-1 to 2A:53A-5 (West 1987). The courts have held that the effect of comparative negligence on contribution is to change the measure from pro rata share to percentage of negligence. Dunn v. Praiss , 139 N.J. 564, 656 A.2d 413 (1995). Vicarious Liability While New Jersey courts generally hold that a hospital is not liable for the negligent acts of non-employed physicians, the doctrine of ostensible or apparent agency has been applied where the court thought it would be natural for a patient to assume that his treating physicians were employees of the hospital. Arthur v. St. Peters Hospital , 169 N.J. Super. 573, 405 A.2d 443 (App. Div. 1979). Expert Testimony In a medical malpractice case based on facts occurring on or after June 29, 1995, within sixty days of the commencement of the action plaintiff must file an affidavit by an appropriate licensed person stating that there exists a reasonable probability that the care, skill, or knowledge exercised in the treatment fell outside acceptable professional standards or treatment practices. N.J. Stat. Ann. § 2A:53A-27 (West Supp. 1997). Expert testimony is necessary proof in a medical malpractice action, unless the matters alleged are within a layman's common knowledge. Rosenberg v. Cahill , 99 N.J. 318, 492 A.2d 371 (1985). Damage Caps For actions filed on or after October 27, 1997, no defendant is liable for any punitive damages in any action for an amount in excess of five times the liability of that defendant for compensatory damages, or $350,000, whichever is greater. N.J. Stat. Ann. § 2A:15-5.14(b) (West Supp. 1997). Statutory Cap on Attorneys' Fees New Jersey has prescribed limits on attorneys' contingent fees for many years. Under the latest schedule, effective September 1, 1996, those fees may not exceed the following amounts: (a) 33 1/3 percent of the first $500,000, (b) 30 percent of the second $500,000, (c) 25 percent of the third $500,000, (d) 20 percent of the fourth $500,000, and (e) a reasonable amount approved by the court for the excess over $2 million. N.J. Ct. R. § 1:21-7 (West Supp. 1997). If the claimant is a minor or incompetent, no fee may exceed 25 percent of any pre-trial settlement. Id . Periodic Payments New Jersey does not provide for the use of periodic payments to satisfy judgments in medical malpractice actions. Collateral Source Rule In New Jersey, collateral benefits received by the claimant must be deducted from the claimant's recoverable damages. N.J. Stat. Ann. § 2A:15-97 (West Supp. 1997). Any amounts paid for such benefits by the claimant or the claimant's family must be added to such damages, however. Id . Pre-Judgment Interest New Jersey requires the award of interest calculated from the date the action was commenced or six months from the time the cause of action accrued, whichever is later. The rate floats on the basis of an index and was equal to 5.5 percent in 1997. N.J. Ct. R. § 4:42-11(b) (West Supp. 1997). In exceptional cases, the court may suspend the accrual of such interest. Id . Patient Compensation Funds and Physician Insurance New Jersey has not established a patient compensation fund, and it does not require its licensed physicians to carry liability insurance. Immunities New Jersey has waived sovereign immunity for itself and its counties, municipalities, and other political subdivisions to the extent set forth in the New Jersey Tort Claims Act. N.J. Stat. Ann. § 59:1-1 et seq . (West 1992 & Supp. 1997). Public entities retain their immunity from liability for, inter alia , the following: (1) failure to provide a medical facility or mental institution; (2) failure to provide sufficient equipment, personnel, or facilities in a mental institution or medical facility; (3) a decision to perform or not to perform any act to promote the public health of the community; (4) failure to make an adequate physical or mental examination of any person for the purpose of determining whether such person has a disease or physical or mental condition that would constitute a hazard to the health or safety to himself or others, unless such examination or diagnosis was for the purpose of treatment; (5) failure to diagnose that a person is afflicted with a mental illness or is a drug- dependent person; (6) the decision whether to confine a person for mental illness or drug dependence, including the terms and conditions of such confinement; and (7) injury caused by an escaping or escaped person who had been confined for mental illness or drug dependence. N.J. Stat. Ann. §§ 59:6-2 to 59:6-7 (West 1992). Public entities are not liable for pre-judgment interest or punitive damages. N.J. Stat. Ann. § 59:9-2 (West 1992). In addition, public entities are not liable to claimants for damages for pain and suffering, unless the claim involves the loss of a bodily function, permanent disfigurement, or dismemberment, and the medical treatment expenses are in excess of $1,000. Id . No action may be brought against a political subdivision unless notice of the claim has been given within 90 days from the date the cause of action accrued. The court has discretion to extend this to one year absent prejudice to the political subdivision. N.J. Stat. Ann. §§ 59:8-8 and 59:8-9 (West Supp. 1997). Moreover, a complaint must be brought within two years from the time the cause of action accrued. N.J. Stat. Ann. § 59:8-8 (West Supp. 1997). A claimant's minority or mental incapacity tolls these periods. Id . In addition, the New Jersey Tort Claims Act provides that "nothing contained in this supplementary act shall inure to the benefit of any insurance company which has issued a policy of liability insurance or to any person who is obligated to indemnify a public entity or public employee." N.J. Stat. Ann. § 59:10-9 (West 1992). Thus, to the extent a public entity carries applicable liability insurance, the limited immunities provided in the act do not apply. New Jersey also provides non-profit entities organized exclusively for, inter alia , hospital purposes, immunity as to claims made by the hospital's intended beneficiaries for damages in excess of $250,000. N.J. Stat. Ann. §§ 2A:53A-7 and 2A:53A-8 (West Supp. 1997). A hospital's agents or servants, however, are not exempt from liability. Id . The increase in the maximum liability from $10,000 to $250,000 applies prospectively only to claims accruing on or after July 31, 1991. Schiavo v. John F. Kennedy Hospital , 258 N.J. Super. 380, 609 A.2d 781 (App. Div. 1992), aff'd mem. , 131 N.J. 400, 620 A.2d 1050 (1993). Arbitration New Jersey requires the reference of personal injury claims to an arbitrator if the amount in controversy is $20,000 or less. N.J. Stat. Ann. § 2A:23A-20 (West Supp. 1997). The arbitrator's decision is inadmissible and non-binding. Assembly Ins. Comm. Statement, Senate, No. 2709-L.1987, C.329.         Copyright © 1990-1998 McCullough, Campbell & Lane. All Rights Reserved. Revision Date: February 6, 1998

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Choose one Auto Term Life Health Homeowners Dental Quick Issue Life Children's Life Group Health Medicare Supp Long Term Care Fixed Annuity Travel Motorcycle Boat/Watercraft PrePaid Legal Classic Auto Classic Boat AL AK AZ AR CA CO CT DE DC FL GA ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY   Fast Issue Life Insurance Without any Medical Exams! Click One $ 100,000 $   50,000 $   25,000 $   20,000 $   10,000 $     5,000 insure.com - insurance in New Jersey - New Jersey OKs new business plan for state's largest medical malpractice insurer New Jersey OKs new business plan for state's largest medical malpractice insurer By Vicki Lankarge insure.com The New Jersey Department of Banking and Insurance has approved the state's largest medical malpractice insurer's plans to stop renewing policies and to file a proposal for a successor company. "Doctors covered by MIIX will be entitled to their full coverage limits." Financially beleaguered MIIX Insurance Co. will be allowed to immediately stop writing malpractice insurance for out-of-state physicians, to continue existing policies through expiration, and, after 90 days, to stop renewing policies in New Jersey. Additionally, MIIX plans to form another company to cover its clients, subject to the department's approval. New Jersey Banking and Insurance Commissioner Holly C. Bakke calls MIIX's situation a "solvent runoff" rather than an insolvency that would force doctors and hospitals currently covered by the company to seek alternate coverage under the state's Property-Liability Insurance Guaranty Association, where coverage is capped at $300,000. This limit is much less than doctors typically need to stay in practice, and some might have stopped treating patients in order to avoid personal exposure to a malpractice lawsuit. "If our doctors cannot practice because they can't get insured, New Jersey's patients lose," says Bakke. "Doctors covered by MIIX will be entitled to their full coverage limits, and this will help them keep serving patients in New Jersey." According to the commissioner, actuarial reports ordered by the department show that MIIX currently has sufficient assets to pay claims on existing policies as they come due. MIIX has about 7,000 New Jersey policies in force, or about 37 percent of the state's medical malpractice insurance market. Last updated May 9, 2002     $5K - $20K $25K - $100K

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Choose one Auto Term Life Health Homeowners Dental Quick Issue Life Children's Life Group Health Medicare Supp Long Term Care Fixed Annuity Travel Motorcycle Boat/Watercraft PrePaid Legal Classic Auto Classic Boat AL AK AZ AR CA CO CT DE DC FL GA ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY   Fast Issue Life Insurance Without any Medical Exams! Click One $ 100,000 $   50,000 $   25,000 $   20,000 $   10,000 $     5,000 insure.com: auto insurance, health insurance, life insurance, home insurance & annuities 's lowball tactics come back to bite them The company that once gobbled up market share by offering lower-than-average rates may now have some regrets. Car accidents tend to occur close to home Most people are 5 miles or less from home when they crash. The most dangerous foods to eat while driving The majority of us are spilling coffee on ourselves, trying to clean up crumbled tacos and sloppy chili, and dripping jelly donuts down our shirts - all while at the wheel. Profile of a bad driver: Are you one? Take this quiz to find out if your driving habits make you a menace on the road. Minnesota reins in use of credit scores by insurers Minnesota remains highly suspicious about credit scoring in general. Missouri home insurance rates leapfrog ahead A slew of storms has thrown home insurers for a loop. Louisiana coaxes back to home insurance bargaining table The governor gets involved to put negotiations back on track. Kentucky disaster teams mobilize in wake of violent hailstorm It could be the biggest natural disaster in the state's history. American Chambers Life Insurance Co. sued for misuse of funds The company diverted money away from policyholders' claims. Unitrin to pay more than $27 million over race-based life insurance pricing Some folks have been paying higher premiums up until this day because of their race. Business Men's Assurance bought by Liberty Life Policyholders should not feel any impact. Get ready for summer Public kept in dark over safety of theme and amusement parks Hidden behind the brights lights and happy music are the dark secrets of unreported injuries. Do you know if your favorite amusement park is an accident waiting to happen? 5 summer vacation insurance problems Know how your insurance policies will help you with common summer accident scenarios. American Bankers faces $3 million sanction for failing to comply with consent order American Bankers just can't seem to get it together. Blue Cross plans bulldozing over the competition Blue Cross and Blue Shield plans have been aggressively luring customers, but what's the end result? Texas tells HMOs: No more secret payment formulas Doctors may finally find out the system HMOs use to underpay them. New Jersey docs sue five top HMOs for flouting state's prompt-pay law Doctors say that faceless bureaucrats are making critical care decisions based solely on dollars. New Jersey OKs new business plan for state's largest medical malpractice insurer A financially beleaguered insurer is allowed to cease operations. This section sponsored by: California workers comp insurance premiums skyrocket Claims are pouring in faster than insurers can make the money to pay for them. Frequently Asked Questions Guides Auto Insurance FAQ Health Insurance FAQ Home Insurance FAQ Life Insurance and Annuities FAQ Group Health Insurance FAQ     $5K - $20K $25K - $100K

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Lawyers in New Jersey: Tips: What is a Medical Malpractice Case? What is a Medical Malpractice Case? To determine if a potential malpractice case has merit Blume Goldfaden suggests a prospective plaintiff ask these questions: Have I or a member of my family suffered a severe, permanent injury while under the care of a physician or medical facility? If so, was this injury more severe or devastating than would be expected from the original medical condition or trauma? Has it come to my attention, perhaps through another physician, that the treatment received was inappropriate, or that the outcome was unusual. Do I have strong doubts about the competency of a physician, or the appropriateness of the care received? Have I been kept in the dark about a medical situation? Has my insurance company questioned the appropriateness of specific procedures, tests or diagnoses? Do I have concerns that a medical device may have seriously affected my health? If the answer to any of these questions is yes, contact Blume Goldfaden to review your medical records. Our attorneys can then determine whether there is a basis for a malpractice claim at no cost to you. There are, however, situations that do exist where malpractice or medical negligence has been committed by a physician, dentist, nurse or other health care provider. In such situations, the services of a law firm experienced in the handling of medical malpractice cases is the only way in which a victim may expect to have a chance to recover money damages for his or her injuries. Physicians and their insurance companies never attempt to settle malpractice claims voluntarily before the injured party has obtained the services of an attorney. There are several reasons for this. Medical malpractice insurance policies, as distinguished from most liability insurance policies, contain a provision that the physician must consent to any settlement. Often a physician who has been guilty of medical malpractice, out of a misguided sense of pride in his ability, will not admit even to himself that he might have been wrong in the manner in which he rendered treatment or advice to a patient let alone report the incident to his insurance company so it could attempt a settlement. Physicians and their insurance companies know that in order to be successful in almost all medical malpractice claims, the injured party or plaintiff must have expert testimony indicating that there was medical malpractice by a qualified physician with the same specialty as that of the physician who committed the malpractice. Although such testimony is not as hard to obtain as it has been in the past, there is still a reluctance on the part of physicians to testify against their fellow practitioners and it is most often necessary to obtain the required expert testimony from physicians who practice in other states. To be effective, however, such physicians must be highly qualified, usually with medical school affiliations. Physicians willing to testify are not only hard to find, but usually charge very highly for their services. In actual practice, most medical malpractice claims which go through a full trial are lost by plaintiffs. Only 20% or fewer result in verdicts for the plaintiffs. This poor ratio on behalf of plaintiffs may be attributed to several causes, such as the fact that many of the cases being tried should not have been brought because they are of questionable merit, the skill or lack of skill of the attorneys involved, and the natural reluctance of juries to render verdicts in favor of plaintiffs against physicians either because of the mystique that surrounds practitioners of the healing arts or fear that verdicts in favor of victimized patients would result in higher medical costs. From the point of view of the trial lawyer, medical malpractice cases are probably the most difficult to pursue. Not only are they bitterly contested, but the litigants become personally involved. The patient because he feels let down or betrayed by the physician in whom he placed not only his trust but his body, and the physician who regards a medical malpractice claim as a challenge to his integrity and skill as a healing artist. The subject matter of these suits is medicine, which has at least 25 recognized specialties which require, in addition to medical school training, internships and residencies of four to six years. No attorney, no matter how knowledgeable in medical matters, can possibly match the knowledge of the defendant physician and his expert witnesses. This means the proper preparation of any medical malpractice case on the part of a plaintiff requires extensive help from physicians, medical researchers, medical illustrators and the like, all of which are readily available to the defense, usually with minimal or no charge. The actual out-of-pocket costs required to pursue even the simplest, if there is any such thing, of medical malpractice cases can range from $10,000 to $50,000 and more. Minute and complete examination of hundreds of pages of hospital and other records is often required to detect where the medical care provider has gone astray in his professional obligation to the patient. Although there are certain situations that even a lay person can see as probably malpractice, such as operating on the wrong limb, leaving an instrument in a person's body, or failing to see an obvious tumor on an X-ray, most medical malpractice claims require careful evaluation by competent medical experts to determine whether, in fact, malpractice was committed or was there merely a bad result which occurred which was not the fault of the health care provider. It is obvious that the key to bringing a successful medical malpractice claim is in the choice of law firms representing the injured party. To have a reasonable chance for success, the lawyer chosen by the injured party must have certain qualifications: Experienced in handling medical malpractice matters. Adequate support staff. At Blume Goldfaden , we have one physicial, two physician attorneys, one nurse paralegal, two nurse attorneys and a full time reference librarian, all on our medical malpractice team. Substantial financial resources to be able to advance the funds necessary to pursue the matter. Demonstrated skill by actual success in court so that the insurance company will be aware of the firm's ability which is a great stimulation to settle. The ability to expend all necessary resources of money, personnel and time to properly prepare the matter. Overall, the firm must be dedicated. Main   || Free Legal Tips || About Us || List of Attorneys || News Verdicts/Settlements || Directions || Links || Contact Us Copyright © 2001 by Blume Goldfaden Berkowitz Donnelly Fried & Forte, Chatham, NJ. All rights reserved. Click here to read important DISCLAIMER which applies to our web site . Web Site by Kristie's Custom Design  

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insmnu     Insurance Menu . Anti-Fraud Compliance Automobile Insurance Bulletins, Rules, Notices Consumer Protection Forms/Applications Frequently Requested Documents Health Programs (Individual & Small Employer) Insurer Solvency Regulation Admissions/UCAA Forms Insolvency Information Surplus Lines Life & Health Individual Life and Annuity Submission Checklist Managed Care Valuation Bureau Charitable Gift Annuities Medical Malpractice Producer Licensing & Education Property & Casualty Rating & Forms Unsatisfied Claim & Judgment Workers Compensation Rating [ Home ] [ Consumer ] [ Insurance ] [ Banking ] [ Real Estate ] [ General Info ] New Jersey Department of Banking and Insurance 20 West State Street (P.O. Box 325) Trenton, NJ 08625-0325 www.njdobi.org E-mail us with questions or comments at webmaster@dobi.state.nj.us

Results from search: http://www.njguaranty.org/

New Jersey Guaranty Association Property-Liability Surplus Lines Medical Malpractice   Home About NJGA FAQ Employee Directory Member Area Links   Claimants Insolvencies General Assessments Member Companies Policyholders Rehabilitations   Recent Insolvencies PHICO Insurance Company 2/1/02 - Click here to get more info. United Capitol Insurance Company 11/14/01 - Click here to get more info. Reliance Insurance Company 10/3/01 - Click here to get more info.   Protecting You From Insurance Insolvencies You buy insurance to protect yourself, your home, your business and your family.  You place your trust in the company's continued existence.   Some companies do fail.  Insolvency creates hardship for many policyholders.  However, there is a safety net to protect insurance consumers from financial loss in most cases of company insolvency.   This website has basic information to help when an insurance company becomes insolvent.  It is in no way intended to be a complete outline of insolvency or guaranty association laws in New Jersey.  New Jersey statutes should be consulted for specific information (New Jersey Property-Liability Insurance Guaranty Association, N.J.S.A. 17:30A-1 et seq; New Jersey Surplus Lines Insurance Guaranty Fund N.J.S.A. 17:22-6.70 et seq.) For information on the guaranty association for life/health companies, call the Life and Health Guaranty Association at (973) 623-3989.   Our Mission To manage in a professional and timely manner the property-casualty insolvencies for which the Association is responsible by discharging Association duties in accordance with governing statutory and plan of operation provisions.   Our Vision To provide quality service to our policyholders and claimants by treating them effectively, efficiently and courteously. To work in a culture that values support and cooperation as reflected through respect for each other and those we serve; the sharing of information; and nurturing a proactive, "can do" approach to our work. Having an organization where all employees assume ownership of the Association as reflected in their values and actions.     Home | Property-Liability | Surplus Lines | Medical Mal.  ©2001,2002 New Jersey Guaranty Association. All Rights Reserved

Results from search: http://www.healthleaders.com/news/section.php?categoryid=417

HealthLeaders - HealthLeaders News Biotech Business eHealthcare Federal Insurance Legal Legislative Issues Managed Care Pharmaceutical Research State/Local Technology Trends All Stories Archives Vertical Industry Briefing Insurance Doctors grapple with costly malpractice premiums More doctors in Florida are finding innovative ways to get around horrendous medical malpractice insurance bills. HCA-owned Fawcett Memorial Hospital is contemplating allowing its doctors to "go bare," or practice without medical malpractice insurance. Sarasota Herald-Tribune, May 13, 2002 FULL STORY | SEND TO FRIEND | POST OPINION Hospitals, doctors say self-insurance for state not wise Arizona hospitals and doctors are wary about a state plan to drop Cigna HealthCare of Arizona as its sole insurer and become self-insured. The Business Journal of Phoenix, May 13, 2002 FULL STORY | SEND TO FRIEND | POST OPINION Malpractice insurance ails Birmingham docs, hospitals Medical malpractice insurance premiums are skyrocketing in pockets all across the United States. The crisis hasn’t hit yet in Birmingham, but doctors and hospitals say they are starting to feel the pinch. Birmingham Business Journal, May 13, 2002 FULL STORY | SEND TO FRIEND | POST OPINION New Jersey study faults Cigna for late payments New Jersey regulators say Cigna Healthcare of New Jersey failed to pay claims on time in more than 84,000 cases, and had a 26% error rate in handling claims. Hartford Courant, May 14, 2002 FULL STORY | SEND TO FRIEND | POST OPINION Pennsylvania docs examine Highmark reserves Highmark Inc. is used to defending its $2.3 billion reserve fund. Now the Pennsylvania Medical Society says it is examining the issue of health insurers' reserve funds. In particular, the society is studying reserve amounts and requirements for insurers, where the money in the reserve funds is going, how it's being used and premium costs. Pittsburgh Business Times, May 13, 2002 FULL STORY | SEND TO FRIEND | POST OPINION   Insurance Health insurance could be hurting consumers' credit ratings New York Times, May 12, 2002 QualChoice dropping MedicareGold plan Piedmont News-Record, May 10, 2002 Doctors: Insurance premiums forcing obstetricians out of Pennsylvania Pittsburgh Post-Gazette, May 10, 2002 Flak greets plans to overhaul Michigan Blue Cross Detroit Free Press, May 10, 2002 New Jersey insurer is leaving many doctors scrambling New York Times, May 10, 2002 The Cost of Quality Balanced Scorecarding in Six Sigma – Part 7. 5-10-2002 Healthcare Marketing The impact of the Baby Boomers on healthcare marketing. 5-8-2002 HealthLeaders EXTRA! Shortage of healthcare leaders means premium deals. 5-3-2002 Healthcare Real Estate Maximizing value by conducting a design competition. 5-1-2002 Advertisement THE INTEGRATED APPROACH: Cardiac Care as a Separate, but Integral Hospital Department Earl Swensson Associates Post your white paper online   eHealthcare: SANTIAGO "SANDY" G. PIQUÉ JOINS AVISENA AS CHIEF FINANCIAL OFFICER May. 9, 2002 Post your press release online HealthLeaders Healthcare Index Click here for more information on the HHI MAGAZINE  |  NEWS  |  RESEARCH  |  eNEWSLETTERS  |  HEALTHFAX  |  ROUNDTABLE  |  CAREERS  |  CALENDAR  |  HOME ABOUT US  |  CONTACT US  |  ADVERTISING/SALES  |  MARKETPLACE  |  TERMS OF SERVICE  |  LOGIN © 2002, HealthLeaders, Inc.

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