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This coverage helps protect you and your personal assets, your practice and your patients. It compensates for damages, loss or injury suffered by the patient, as well as legal defense costs. Since 1946, D.C.s have recognized NCMIC as the malpractice leader. Today more D.C.s rely on NCMIC’s Malpractice Insurance Plan than all other chiropractic malpractice insurance companies combined.
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At NCMIC, we believe that supporting the chiropractic profession is an important part of our heritage. No other insurance provider has provided more support for the profession than NCMIC.
In the past 5 years, NCMIC has attended more than 1,000 chiropractic events including college homecomings, seminars and state/national association conventions. We also offer business training and malpractice risk management seminars and resources to D.C.s as a complement to the education provided by the chiropractic colleges.
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Adrian Anagnos, a 62-year-old owner of a Greek restaurant, initially presented to the office of Dennis Stephan, DC, with complaints of chronic neck pain he'd experienced for years. His symptoms had progressed to also include tingling in his right thumb and other radicular symptoms.
Read on for a case study from defense attorney Mandi Karvis. It is a compelling case study with important takeaways for our doctors.
Delmar Drum, DC, failed to follow his normal protocols when treating an employee who was a former patient.
The following was shared by one of our policyholders, Dr. D.H., at the conclusion of his chiropractic board hearing.
On Saturday, November 5, 2016, Will was playing defense for his high school football team. While making a tackle, Will struck the quarterback with his helmet and went down on all fours, experiencing numbness in his arms and legs that lasted for about 10 seconds. Will then got up and stayed in the game for the next several plays. Attorney Howard S. Shafer explains what happened and what it meant for the team doctor.
Judy Wonderlin, a 67-year-old retiree, presented to Acme Chiropractic seeking treatment for neck pain and tightness, which she had been experiencing for two weeks. After performing an initial examination, Craig Zinzer, DC, proceeded with an exam and testing of her cervical spine.
In this case, derived from the NCMIC claims files, the doctor faced a patient with numerous health issues who experienced a cardiac emergency.
Some doctors don't necessarily see anything wrong with dating a patient. They may live in communities where everyone runs in the same social circles. Others think who they date is a private matter as long as it's between consenting adults. The following case study, written by Bruce Hodges, D.C., is about a real doctor who crossed the line.
Ryan Borton was a 41-year-old factory machinist weighing 350 pounds. On January 13, 2014, he was walking to his car after work when he slipped on ice and landed on the right side of his back. A rib X-ray was taken that day at the emergency room, which was negative for fracture. Mr. Borton was sent home with instructions to rest and ice his sore back and ribs.
Michelle Towers, age 47, was suffering from low back pain and numbness that radiated down her left leg when she presented to Jack Drayton, DC, at Elk Mountain Chiropractic Clinic on April 17, 2008. She had a history of low back pain dating back to a fall 35 years earlier. However, her symptoms were aggravated when she lifted a heavy box of paper.
The information in the NCMIC Learning Center is offered solely for general information and educational purposes. It is not offered as, nor does it represent, legal or professional advice. Neither does this information constitute a guideline, practice parameter or standard of care. You should not act or rely upon this information without seeking the advice of an attorney familiar with the specific legal requirements of the state(s) in which you practice. If there is a discrepancy between the site and an insurance policy you have with NCMIC, the policy will prevail.