CM&F Rescue for Nurses

Insurance coverage for needlestick and sharps injuries, blood and bodily fluid exposure, and felonious assaults.

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The CDC estimates about 385,000 sharps-related injuries every year (according to the CDC’s Stop Sticks Campaign.). Despite advanced protective equipment and best practices, the risk of blood-borne infection through needle, sharp or splash remains a very real threat to all nurses. Although we can’t prevent accidents like these from happening, we can give you control of the outcome.

By trying to provide nurses with a cost-effective, easy to understand, INDIVIDUAL benefit, we can help you get your life back on track.

You may have a similar benefit through your employer, but what if you have multiple employers or you do volunteer work? Are you covered everywhere you provide services? Rescue for Nurses takes the guesswork out and gives you back some confidence about your future.

Check out these helpful resources:

Get the Facts: Insurance May Not Cover Hep C Treatment
3 Things Every Nurse Should Know About Workers Comp
Rescue for Nurses Product Overview

In this video, ANA President Karen Daley, PhD, RN, FAAN talks about her personal experience with a sharps injury.

Insurance Designed With You In Mind!

Convenient Benefits

The costs associated with an unforeseen needlestick injury may be higher than imagined. Workers Comp typically only covers a portion of your salary, and more insurers are denying coverage for necessary treatments. CM&F Rescue for Nurses offers a better solution by helping to supplement what Workers Comp and insurance plans won’t cover with a lump sum benefit after a covered accident.

Portable, Flexible Coverage

As an Individual policy, coverage travels with you so you’re covered whether you’re at work or volunteering in your free time. Once you receive the benefit, it’s your money, so you can use it however it helps you the most. Use it to supplement your lost income, pay your rent or mortgage, student loans or even purchase medication!

Competitively Priced Options

Rescue for Nurses may be more budget friendly than you think! Many employer-based plans offer a wide array of benefits, which you may or may not need, which drives the cost up. We wanted to help nurses with a SPECIFIC problem and try to make it more cost-effective than you might think.

The Needlestick Benefit

If you are stuck while on the job with a sharps-related item during the policy period and as a result you test positive for a covered Hep B, Hep C or HIV infection within 180 days, then you may qualify for the $100,000 benefit.  There is no haggling about other insurance or percentages of your income.

Disclaimer

Felonious Assault Benefit

If you are a victim of a covered felonious assault on the job and are admitted into a hospital as an inpatient as a result, the policy will pay a benefit of $250 per day you are hospitalized, for up to 10 days.  This could help you with your health insurance deductible or even supplement some of your lost earnings when you miss work.

Disclaimer

What are the chances I will be injured on the job?

OSHA estimates that 5.6 million healthcare workers are at risk of occupational exposure to bloodborne pathogens. Approximately 385,000 sharps-related injuries are sustained by hospital-based healthcare workers each year; an average of 1,000 per day.

How costly are sharps injuries?

Treatment costs associated with needlestick injuries can range from $500 to $3,000. Antiviral treatment for Hep C may cost up to $95,000. Costs that are harder to quantify include the emotional cost associated with possible consequences of an exposure, costs associated with drug toxicities and lost time from work.

Is the benefit dependent on my income?

No. Unlike disability, workers compensation or some other insurance policies, which usually only pay you a portion of your salary, you receive the full $100,000 if you qualify under the policy.

Aren’t I already covered by my employer?

You probably have SOME coverage through your employer, but most insurance will only cover a percentage of your salary, leaving you short of where you were prior to the injury. Our policy pays a flat benefit amount, regardless of your income.

Need More Help?

This is a brief description of coverage provided under policy form series BI-10000P, Rider form Series BI-10005R and BI-10008R underwritten by Berkley Life and Health Insurance Company (domiciled in Iowa – California Certificate of Authority #08527) 2445 Kuser Road, Suite 201, Hamilton Square, NJ 08690 and is subject to the terms, conditions, limitations and exclusions of the policy. Please see the policy for complete details. Coverage terms, conditions, limitations and exclusions may vary or may not be available in all states.

The insurance described in this document provides limited benefits. Limited benefit plans are insurance products with reduced benefits intended to supplement comprehensive health insurance plans. This insurance is not an alternative to comprehensive coverage. It does not provide major medical or comprehensive medical coverage and is not designed to replace major medical insurance. Further, this insurance is not minimum essential coverage as set forth under the Patient Protection and Affordable Care Act.

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