While cervical disc pathology can unquestionably produce radiculopathy, many patients presenting with arm pain, paresthesia or perceived weakness do not exhibit the clinical behavior of true nerve-root compromise. In these cases, failure to differentiate the primary pain generator may lead to unnecessary spinal injections, nerve ablation procedures or surgical consultation despite limited likelihood of benefit.
Malpractice Insurance Choices -- An Update
In the article, "Malpractice Insurance Choices," (May 6, 1996, "DC"), we listed five national malpractice carriers who chose to stand up to a comparison. We did however overlook one carrier, CHIROSECURE, and would now like to complete our survey with their listing.
COMPANY: CHIROSECURE
AM BEST RATING: A- (Frontier Insurance Co.)
# OF POLICYHOLDERS: Over 1,000
STATES AVAILABLE: All of U.S. except: Alaska; Arkansas, District of Columbia; Kansas; Mississippi; Montana; Nebraska; Nevada; New Hampshire; Oklahoma; Oregon; Rhode Island; South Carolina; South Dakota; Tennessee and Wisconsin
POLICY TYPES: Occurrence and claims-made policies
TOTAL RESERVES: Surplus: $230 Million; Assets: $773 million
LEGAL COSTS: Covered separately form coverage limits
# OF CHIROPRACTORS: Six of eight directors
ON BOARD OF DIRECTORS PREMIUM INCOME: 100%
FROM CHIROPRACTIC
POLICYHOLDERS
CHIROSECURE
c/o Watson Wyatt
1055 Washington Blvd.
Stamford, CT 06901
800 926-9245