- Actuarial projections indicate that the frequency of claims that incurred indemnity or expense payments has fluctuated between 2.6 and 4.0 claims per thousand beds between 2001 and 2010.
- While both indemnity and expense payments have fluctuated over time, ultimate severity of indemnity and expense payments has trended upward over the past 10 years.
- Not-for-profit facilities have disproportionately fewer closed claims relative to their share of the CNA book of business than for-profit facilities.
- Skilled nursing facilities have the highest average severity, followed by assisted living facilities.
- High severity allegations include elopement, failure to follow physician orders, gross improper care, pressure ulcer and failure to inform the physician on change in the resident’s condition.
- The most frequent injuries are death and fracture. Almost one-half of the closed claims – 48.6 percent – involve death.
The complete study, as well as other CNA Healthcare client risk control resources, can be accessed under ‘Client Resources’ at http://www.cna.com/portal/site/cna/riskcontrol.Serving businesses and professionals since 1897, CNA is the country’s seventh largest commercial insurance underwriter and the 13 th largest property and casualty company. CNA’s insurance products include standard commercial lines, specialty lines, surety, marine and other property and casualty coverages. CNA's services include risk management, information services, underwriting, risk control and claims administration. For more information, please visit CNA at www.cna.com. CNA is a registered trademark of CNA Financial Corporation. Follow CNA on: Facebook | Twitter