Legal Liability and Insurance

Injury Management

Torts

legal wrongs committed against a person or property of another

Good Samaritan

provides limited protection to someone who chooses to provide first aid but does not apply to someone who has a duty to act as dictated by the nature of his or her job

managed care

a concept in which costs of health care are monitored closely by insurance carriers

affordable care act

mandates the availability of affordable health care insurance for every American

PPO (preferred provider organization plan)

provide discount health care but also limit where a person can go for treatment of an illness or injury

HMO (health maintenance organization plan)

provide preventive measures and limit where the individual can receive care; pay 100 percent of medical costs as long as care is rendered at an ___ facility

misfeasance

occurs when an individual improperly does something he or she has the legal right to do

assumption of risk

the individual, through expressed or implied agreement, assumes that some risk or danger will be involved in the particular undertaking

malfeasance

an individual commits an act that is not legally his or hers to perform

NFHS

an organization that offers a program to districts at the secondary-school level

POS

a combination of a health maintenance organization plan and a preferred provider organization plan

capitation

system that limits the amount that is reimbursed for a specific service (used by many HMOs to determine fees)

health insurance

a contract between the insurance company and policyholder

nonfeasance

an individual fails to perform a legal duty. An act of ___

duty of care

a requirement that a person act toward others and the public with watchfulness, attention, caution, and prudence that a reasonable person in the circumstances would; if a person's actions do not meet this standard of care, then the acts are considered negligent, and any damages resulting may be claimed in a lawsuit for negligence

negligence

the failure to use ordinary or reasonable care that persons would normally exercise to avoid injury to themselves or to others under similar circumstances

liability

state of being legally responsible for the harm one person causes another

NOCSAE

establishes minimum standards for equipment that must be met to ensure its safety

reasonable care

assumes that an individual is neither exceptionally skillful nor extraordinary cautious but is a person of reasonable and ordinary prudence