Nokea
When an LVN/LPN is working for a health-care organization that has professional liability insurance, the nurse needs to base a decision on whether to buy individual professional liability insurance on which of the following things?
Correct Answer: A
Rationale: Deciding whether to purchase individual professional liability insurance as an LVN/LPN involves weighing personal risk, and the possibility of the organization countersuing the nurse in a lawsuit is a critical factor. Organizational insurance typically covers nurses acting within their scope, but if a lawsuit arises and the organization's interests diverge such as alleging nurse negligence they might countersue to deflect liability. Individual insurance provides independent protection, ensuring legal defense and coverage tailored to the nurse's needs. Cost, organizational coverage, and work hours are relevant but secondary; cost affects feasibility, coverage might leave gaps, and hours or work type influence risk but don't address the specific threat of a countersuit. This choice emphasizes proactive self-protection in a litigious environment, safeguarding the nurse's career and finances.