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SedRate

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SedRate last won the day on April 9

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  1. Still no luck finding a good candidate?
  2. Personally, I wouldn't do it. That seems entirely excessive for a job application. I don't see any reason why they'd need to see this in order to consider your candidacy. I would take caution in giving this company access until you've at least accepted a job with them. Is it a legitimate posting and company? I've never heard of a company asking for this with your application. Are you sure it wasn't a typo and they actually meant CAQ in Psych? That would make more sense.
  3. This website discussed specific instances: https://www.nolo.com/legal-encyclopedia/state-state-medical-malpractice-statute-limitations Interestingly, despite the statue of limitations started at age 18 for minors in New York, apparently the discovery rule exception for minors has more to it: claim cannot be made more than 10 years from date of incident or discovery, regardless of age. North Carolina is confusing: statue is 3 years, discovery is 1 year, but no patient can sue after 4 years except in the event of a retained foreign body (e.g., surgical instrument) which can only be claimed if no later than 10 years from date of incident, in which case the patient has 1 year from discovery to claim. Lol California has a 3-year statue and 1-year discovery, whichever comes first, with the exception of a retained foreign body (e.g., surgical instrument) which has no deadline. In Montana, they have a 3-year statue. No lawsuit can be filed after 5 years whatsoever except if the provider knew of the malpractice but didn't disclose it to the patient, then there is no statue.
  4. Ok, gotcha. I was helping to clarify in case you were somehow suggesting they had occurrence policy or were getting an occurrence policy at their next job (which, like you said, is not retroactive). The clock for the statue of limitations clock starts ticking after the incident itself. To also clarify, what you're referring to is the discovery rule which is an exception to the statue of limitations, just like an incident with a minor which is another exception. The statue of limitations, discovery rules, and qualifications of minors vary by state. Sure, no problem. Glad to hear they're entertaining the idea of additional coverage for you.
  5. If one needs tail, that is a claims made (CM) policy not occurrence. Occurrence doesn't require tail and is not retroactive. One must have an active CM policy to be covered whereas occurrence will cover acts that occurred during period of coverage. For example, if a patient has a condition in 2019 that results in an adverse event that is diagnosed and the patient sues in 2020, that means one would need an active 2020 claims made policy to cover the claim, tail coverage from 2019 CM policy, or a 2019 occurrence policy. I'm not too familiar with nose, but I'm guessing one could've also bought nose when they started their 2020 CM policy and that would suffice. The job I left had a CM policy. I required tail to protect myself after I left since my coverage ended and I wouldn't have any malpractice coverage until I got a new policy. In theory, buying my own policy would cover me after leaving, which is similar to buying tail, except I would need to keep the policy active to continue having coverage, whereas buying tail is a one-time thing. If I cancel the policy, I would still need tail to extend the reporting period. That is essentially what one is doing in buying tail, which is buying an extension in one's reporting coverage. You can try to continue your coverage until your new policy. Call the malpractice company and ask if you can take over the policy. However, unlikely to do if you have an umbrella policy, since it is not your own individual policy. There are time limits to when a patient can sue. A quick search will tell you if you need to carry for 1, 2, or 7 years of extended reporting coverage (aka tail). Alternatively, you can ask your new employer to provide nose coverage. Disclaimer: just a person on the web and not a legal expert nor malpractice expert.
  6. Was Clinical Practitioner ever considered? I did a quick search on here but didn't see anything.
  7. I don't disagree and I appreciate all the info, but my opinion is the same, especially if PA remains at a master's level while NPs advance to doctorate level. "They're a doctor and you're just a Practitioner" would be the new argument along with the aforementioned nursing superhero coattail. Hopefully the general public and legislative authorities think differently and think we'd be on par with NPs and therefore deserve similar treatment. Regardless, if it does get chosen, I hope it helps enough to make positive changes.
  8. Congrats on making a decent chunk of change! I don't regret paying mine off. I too sold a house, although didn't make anywhere close to $175k, so nice job. After making a down payment, we put $30k of that into paying off the rest of my loans. (PA student loans totalled over $125k, which were paid off in 4 years, all the while living comfortably, house buying and selling, redoing the backyard, paying for our wedding, buying and selling cars, going on vacations, etc. Imagine how much faster it could've been paid off by not doing any or some of those fun things! Lol.) I barely had any emergency fund or savings throughout my 4 years, but I did have a working spouse, no kids, young age with good health, and some basic 401k contributions with match on my side. Some of the remainder of the house sale went toward a more robust emergency fund, and then I started making extra payments on my car loan and a little bit extra on the monthly mortgage. But then I learned there are options out there for emergencies that work better for me than money in a generic savings account sitting idly. So, I started putting my emergency fund to work again by paying off my car loan too. Credit card bills aren't due for a month, so that gives me a month of breathing room before paying it off in full. And if I time it right, it can be two months! Haven't had to do a home equity loan but there's that too. We have savings accounts that earn more than 0.2 or 0.8%, so that's where we'd tap into if the above two options are exhausted. I have also doubled up on my 401k contributions. Oh, and did I mention life happened and I went without a paycheck for 3 months during the summer of covid? Thankfully, I didn't need to tap into anything thanks to debt payoff. Our journey to financial independence has been a fun one thus far, and I have enjoyed reading other's takes on what they've done and what's worked for them. Enjoy the journey for yourself and good luck.
  9. Put down a large chunk on a modest home and put down a large chunk on your student loans. Student loans are at a higher interest so pay that off first, or at least faster than your home! Also, make sure you're maxing out free money via 401k match and anything else you can. The time value of money wins here, so the earlier you invest over the long-term, the better. Alternatively, like airslant suggested, you can consider buying a rental if you're buying in a good rental market where you can buy cheap, but be prepared to take on the burdens of owning a rental and the costs while also still paying off student loans and a new mortgage/rent on your own place. Buying a rental allows you to turn around and rent it out, thereby immediately accruing income which you can then put toward your student loan payoff or whatever else.
  10. Hopefully, but that's probably why they're sending out reminders 5 months ahead. I was still able to attend an ATLS course (required for new job), which gave me 18-19 credits. One could do a similar cert class if unable to get enough online or JAAPA credits.
  11. Are you due to renew this year or are you in the middle of one of your cycles?
  12. Did you or someone explicitly ask about compensation or did they come out and say you're taking call and there will be no compensation? Just trying to figure out if there's any way you can negotiate this at this point or if it's a demand. "Sure, I'd be happy to do that. Since I'll now be required to make myself available for any and all calls for the office which is in addition to my current contract duties, I'd like to revise the details of my current contract. I'm available to discuss at any time. Please let me know when works best for you."
  13. On the contrary, maybe calling PAs Clinical Officers would help clean up the image of "officer"? And since our initials would be CO, we could then be included on the C suite with the other C's and other Officers? Jus' sayin'. I'm liking it more and more. Medical Care Practitioner is too placid, wordy, and Medical Assist-esque/Patient Care Tech-esque, and I don't think it packs enough punch for folks to take seriously. NP at least carries the weight of the superhero nurse image who fights crime alongside docs and now you can add doctorate and independent. But we don't get to ride on those coattails. MCP will still be a predominantly masters level degree and therefore less than in the eyes of anyone who isn't looking further into the matter beyond name and credentials to let us explain what that actually means. I really do believe we need something completely unique and authoritative to break us away from all the negative associations our field has arbitrarily obtained.
  14. "I'm Clinical Officer Doe, and I'm here to lay down the LAW on your HbA1C." *Whip crack* Where do I sign up?
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