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Cover your ears. The GP indemnity timebomb is about to blow


One problem is the length if time that it takes for liabilities to fall due for payment. This is the virtue of a membership defence organisation: that it takes care of the "litigation tail" for members who have stopped working and stopped contributing. It is a log "tail". Some cases take 20 years to settle. In the near future cases settled after 20 years that will have the discount rate removed will be funded from today's fees. Meanwhile crown indemnity for secondary care has removed the necessity for many secondary care doctors to have full membership of defence organisations for much of their work. The NHSLA liabilities for secondary care alone now exceed the annual cost of delivering primary care general practice, so this is a substantial shift of responsibility from MDO to Crown liability. Rising claims, falling sessional membership, greater proportion of MDO fees recouped from GP members. I fear that GPs have been left holding the baby in some sort of horrible inverted Ponzi scheme. Surely Government needs to intervene in this false market?

Posted date

06 Sep 2017

Posted time