Sec. 38a-395. (Formerly Sec. 38-370d). Medical malpractice data: Closed claims reports. Database. Annual report.
Sec. 38a-395. (Formerly Sec. 38-370d). Medical malpractice data: Closed
claims reports. Database. Annual report. (a) As used in this section:
(1) "Claim" means a request for indemnification filed by a medical professional or
hospital pursuant to a professional liability policy for a loss for which a reserve amount
has been established by an insurer;
(2) "Closed claim" means a claim that has been settled, or otherwise disposed of,
where the insurer has made all indemnity and expense payments on the claim;
(3) "Insurer" means an insurer that insures a medical professional or hospital against
professional liability. "Insurer" includes, but is not limited to, a captive insurer or a self-insured person; and
(4) "Medical professional" has the same meaning as provided in section 38a-976.
(b) On and after January 1, 2006, each insurer shall provide to the Insurance Commissioner a closed claim report, on such form as the commissioner prescribes, in accordance with this section. The insurer shall submit the report not later than ten days after
the last day of the calendar quarter in which a claim is closed. The report shall only
include information about claims settled under the laws of this state.
(c) The closed claim report shall include:
(1) Details about the insured and insurer, including: (A) The name of the insurer;
(B) the professional liability insurance policy limits and whether the policy was an
occurrence policy or was issued on a claims-made basis; (C) the name, address, health
care provider professional license number and specialty coverage of the insured; and
(D) the insured's policy number and a unique claim number.
(2) Details about the injury or loss, including: (A) The date of the injury or loss that
was the basis of the claim; (B) the date the injury or loss was reported to the insurer;
(C) the name of the institution or location at which the injury or loss occurred; (D) the
type of injury or loss, including a severity of injury rating that corresponds with the
severity of injury scale that the Insurance Commissioner shall establish based on the
severity of injury scale developed by the National Association of Insurance Commissioners; and (E) the name, age and gender of any injured person covered by the claim.
Any individually identifiable health information, as defined in 45 CFR 160.103, as from
time to time amended, submitted pursuant to this subdivision shall be confidential. The
reporting of the information is required by law. If necessary to comply with federal
privacy laws, including the Health Insurance Portability and Accountability Act of 1996,
(P.L. 104-191) (HIPAA), as from time to time amended, the insured shall arrange with
the insurer to release the required information.
(3) Details about the claims process, including: (A) Whether a lawsuit was filed
and, if so, in which court; (B) the outcome of such lawsuit; (C) the number of other
defendants, if any; (D) the stage in the process when the claim was closed; (E) the dates
of the trial, if any; (F) the date of the judgment or settlement, if any; (G) whether an
appeal was filed and, if so, the date filed; (H) the resolution of any appeal and the date
such appeal was decided; (I) the date the claim was closed; (J) the initial indemnity and
expense reserve for the claim; and (K) the final indemnity and expense reserve for the
claim.
(4) Details about the amount paid on the claim, including: (A) The total amount of
the initial judgment rendered by a jury or awarded by the court; (B) the total amount of
the settlement if there was no judgment rendered or awarded; (C) the total amount of
the settlement if the claim was settled after judgment was rendered or awarded; (D) the
amount of economic damages, as defined in section 52-572h, or the insurer's estimate
of the amount in the event of a settlement; (E) the amount of noneconomic damages,
as defined in section 52-572h, or the insurer's estimate of the amount in the event of a
settlement; (F) the amount of any interest awarded due to the failure to accept an offer
of judgment or compromise; (G) the amount of any remittitur or additur; (H) the amount
of final judgment after remittitur or additur; (I) the amount paid by the insurer; (J) the
amount paid by the defendant due to a deductible or a judgment or settlement in excess
of policy limits; (K) the amount paid by other insurers; (L) the amount paid by other
defendants; (M) whether a structured settlement was used; (N) the expense assigned to
and recorded with the claim, including, but not limited to, defense and investigation
costs, but not including the actual claim payment; and (O) any other information the
commissioner determines to be necessary to regulate the professional liability insurance
industry with respect to medical professionals or hospitals, ensure the industry's solvency and ensure that such liability insurance is available and affordable.
(d) (1) The commissioner shall establish an electronic database composed of closed
claim reports filed pursuant to this section.
(2) The commissioner shall compile the data included in individual closed claim
reports into an aggregated summary format and shall prepare a written annual report of
the summary data. The report shall provide an analysis of closed claim information
including a minimum of five years of comparative data, when available, trends in frequency and severity of claims, itemization of damages, timeliness of the claims process,
and any other descriptive or analytical information that would assist in interpreting the
trends in closed claims.
(3) The annual report shall include a summary of rate filings for professional liability
insurance for medical professionals or hospitals, which have been approved by the department for the prior calendar year, including an analysis of the trend of direct losses,
incurred losses, earned premiums and investment income as compared to prior years.
The report shall include base premiums charged by insurers for each specialty and the
number of providers insured by specialty for each insurer.
(4) Not later than March 15, 2007, and annually thereafter, the commissioner shall
submit the annual report to the joint standing committee of the General Assembly having
cognizance of matters relating to insurance in accordance with section 11-4a. The commissioner shall also (A) make the report available to the public, (B) post the report on
its Internet site, and (C) provide public access to the contents of the electronic database
after the commissioner establishes that the names and other individually identifiable
information about the claimant and practitioner have been removed.
(e) The Insurance Commissioner shall provide the Commissioner of Public Health
with electronic access to all information received pursuant to this section. The Commissioner of Public Health shall maintain the confidentiality of such information in the
same manner and to the same extent as required for the Insurance Commissioner.
(P.A. 86-365, S. 4, 5; P.A. 05-275, S. 14; P.A. 07-25, S. 1.)
History: Sec. 38-370d transferred to Sec. 38a-395 in 1991; P.A. 05-275 replaced former provisions with new Subsecs.
(a) to (e) re closed claims reports and data, effective January 1, 2006; P.A. 07-25 added Subsec. (a)(4) to define "medical
professional", amended Subsec. (a)(1) and (3) to substitute "medical professional or hospital" for "physician, surgeon,
advanced practice registered nurse or physician assistant", and amended Subsecs. (c)(4)and (d)(3) to substitute "medical
professionals or hospitals" for "physicians, surgeons, advanced practice registered nurses or physician assistants".