Organizations should pay close attention to living wills and powers of attorney. These are standard pre-paid legal services offered by group legal plans and both documents are important to any employer. Each can influence the claims experience of the group health plan.
The Basic Details
Living wills center on catastrophic and major medical care. An employee might be rendered unconscious. The victim’s wishes for medical care such as whether to use life support might not be not known. A living will spells out what is to be done in the event a person is unable to communicate. Medical powers of attorney assign decision-making responsibility. The person holding the authority will make decisions based on the victim’s express wishes and make final decisions about life support systems.
Healthcare providers may not arbitrarily turn off life support or end treatment. A victim of a massive cardiac seizure might be on life support for months before dying. The claims experience continues to increase as the insurance policies are billed by the care providers and the employees group healthcare plan must absorb sizable costs. Continue reading