We don't need insurance!

If you read my last post, I discussed why malpractice insurance is important and what it covers. Today, let's look at non-CNM Midwives and why they don't carry insurance.

I give you EXHIBIT A

In other Words,  She will try to be your best friend so that you will not turn on her. You will be emotionally and mentally manipulated by her so if there is a bad outcome, she can control your reaction. 

EXHIBIT B

CITIZENS FOR MIDWIFERY

Essentially, malpractice insurance is just a way that lawyers and insurance companies get to make money while trying to decrease the number of homebirth midwives. It's a conspiracy!!

EXHIBIT C

MOTHERING

1. Insurance dictates protocols and it's not evidence based.

2. Lawyers just want to sue you.

3. It's expensive.

  

MOTHERING AGAIN

1. Deep pockets attract lawsuits.

2. Midwife relationships exceed those of OB/Client relationships.

3. If a midwife offers support and choices they have a smaller chance of being sued. 

4. Protocols screw women and families.

 EXHIBIT D

HEALTH KNOWLEDGE

1. Clients can go to the regulating board.

2. Greedy Lawyers treat you like a target.

3. They don't want to risk their family/job/livlihood in order to compensate for an injured baby.

4. Birth is risky. 

EXHIBIT E

CARLA HARTLEY

1. They will not do anything to get themselves sued.

2. Clients are responsible for their birth including anything done by the midwife

3. If a client asks about malpractice insurance, they get fired or told to shop around.

4. The insurance company owns you.

5. You are more likely to be sued. 

6. Midwives have to increase fees

7. People will mistakingly think an insured midwife is better. 

I only had enough stomach to get these few links. Many things about these pages bother me. 

Midwifery is supposed to mean "with woman". When you don't care about the woman or child you are caring for, you are not "with woman". You are "with oneself".  Interestingly, I googled the term "with oneself" and a Narcissism page came up. What is narcissism?? 

According to wikipedia- Narcissism is the personality trait of egotism, vanity, conceit, or simple selfishness. Applied to a social group, it is sometimes used to denote elitism or an indifference to the plight of others.  

Egotism is "characterized by an exaggerated estimate of one's intellect, ability, importance, appearance, wit, or other valued personal characteristics"^[1] – the drive to maintain and enhance favorable views of oneself. CHECK

In conventional parlance, vanity is the excessive belief in one's own abilities or attractiveness to others CHECK

conceit (countable and uncountable; plural conceits)

1. (uncountable) Overly high self-esteem; vain pride; hubris.
2. (obsolete) Something conceived in the mind; a conception; a notion; an idea; a thought.
3. (countable) A novel or fanciful idea; a whim.
4. (countable, rhetoric, literature) A device of analogy consisting of an extended metaphor.
5. CHECK

Elitism is the belief or attitude that some individuals, who form an elite — a select group of people with intellect, wealth, specialized training or experience, or other distinctive attributes — are those whose views on a matter are to be taken the most seriously or carry the most weight; whose views and/or actions are most likely to be constructive to society as a whole; or whose extraordinary skills, abilities or wisdom render them especially fit to govern   CHECK

So, Non-CNM's are Narcissistic!! That explains quite a bit. 

CPM's/DEM's/LM's do NOT want malpractice insurance because they don't want someone telling them that a high risk client should not be having a homebirth. They don't want it because they don't want to pay for it. They are counting on clients who will just accept that "babies just die" because they have "taken responsibility for their own birth. They don't want clients who want a provider who carries insurance. They don't care whether or not a baby dies or is injured. They are only concerned with themselves. 

Can you show me anywhere that justifies lack of malpractice insurance where they are actually looking out for clients?? Do you see where they are willing to place themselves aside?? The "I'll just be the best midwife I can" line is ridiculous. If you think that your midwife spends all this time with you and really cares so deeply for you/your family, you are dead wrong. If they do not want to be responsible in their practice, they really do not care about you/your family. Oh, they do care that you get a choice if you are high risk. Your babies health, not even a blip on their radar. If they are conniving enough to want to hide assets to prevent anyone from being able to sue them, then they are placing themselves above clients. Midwifery is "with woman", not above or more important than. WITH. 

Reading all of this tonight has me even more convinced that midwives do what they do because they care about themselves. If they cared about women and babies, they would have top notch educations, practice SAFELY (this means no high risk home deliveries), and carry insurance. It saddens me to see such horrid attitudes from midwives. I reallky understand why Brenda flipped the way she did. I wasn't the client who said "Ok, it's not your fault, babies just die. Let's be BFF's". I was the client who was pissed and I still am! My daughter mattered to me. She still does. So, I will keep fighting for her and all the babies out there whose lives are at risk because their parents stick to Non-CNM's. 

We don't need insurance!

If you read my last post, I discussed why malpractice insurance is important and what it covers. Today, let's look at non-CNM Midwives and why they don't carry insurance.

I give you EXHIBIT A

In other Words,  She will try to be your best friend so that you will not turn on her. You will be emotionally and mentally manipulated by her so if there is a bad outcome, she can control your reaction. 

EXHIBIT B

CITIZENS FOR MIDWIFERY

Essentially, malpractice insurance is just a way that lawyers and insurance companies get to make money while trying to decrease the number of homebirth midwives. It's a conspiracy!!

EXHIBIT C

MOTHERING

1. Insurance dictates protocols and it's not evidence based.

2. Lawyers just want to sue you.

3. It's expensive.

  

MOTHERING AGAIN

1. Deep pockets attract lawsuits.

2. Midwife relationships exceed those of OB/Client relationships.

3. If a midwife offers support and choices they have a smaller chance of being sued. 

4. Protocols screw women and families.

 EXHIBIT D

HEALTH KNOWLEDGE

1. Clients can go to the regulating board.

2. Greedy Lawyers treat you like a target.

3. They don't want to risk their family/job/livlihood in order to compensate for an injured baby.

4. Birth is risky. 

EXHIBIT E

CARLA HARTLEY

1. They will not do anything to get themselves sued.

2. Clients are responsible for their birth including anything done by the midwife

3. If a client asks about malpractice insurance, they get fired or told to shop around.

4. The insurance company owns you.

5. You are more likely to be sued. 

6. Midwives have to increase fees

7. People will mistakingly think an insured midwife is better. 

I only had enough stomach to get these few links. Many things about these pages bother me. 

Midwifery is supposed to mean "with woman". When you don't care about the woman or child you are caring for, you are not "with woman". You are "with oneself".  Interestingly, I googled the term "with oneself" and a Narcissism page came up. What is narcissism?? 

According to wikipedia- Narcissism is the personality trait of egotism, vanity, conceit, or simple selfishness. Applied to a social group, it is sometimes used to denote elitism or an indifference to the plight of others.  

Egotism is "characterized by an exaggerated estimate of one's intellect, ability, importance, appearance, wit, or other valued personal characteristics"^[1] – the drive to maintain and enhance favorable views of oneself. CHECK

In conventional parlance, vanity is the excessive belief in one's own abilities or attractiveness to others CHECK

conceit (countable and uncountable; plural conceits)

1. (uncountable) Overly high self-esteem; vain pride; hubris.
2. (obsolete) Something conceived in the mind; a conception; a notion; an idea; a thought.
3. (countable) A novel or fanciful idea; a whim.
4. (countable, rhetoric, literature) A device of analogy consisting of an extended metaphor.
5. CHECK

Elitism is the belief or attitude that some individuals, who form an elite — a select group of people with intellect, wealth, specialized training or experience, or other distinctive attributes — are those whose views on a matter are to be taken the most seriously or carry the most weight; whose views and/or actions are most likely to be constructive to society as a whole; or whose extraordinary skills, abilities or wisdom render them especially fit to govern   CHECK

So, Non-CNM's are Narcissistic!! That explains quite a bit. 

CPM's/DEM's/LM's do NOT want malpractice insurance because they don't want someone telling them that a high risk client should not be having a homebirth. They don't want it because they don't want to pay for it. They are counting on clients who will just accept that "babies just die" because they have "taken responsibility for their own birth. They don't want clients who want a provider who carries insurance. They don't care whether or not a baby dies or is injured. They are only concerned with themselves. 

Can you show me anywhere that justifies lack of malpractice insurance where they are actually looking out for clients?? Do you see where they are willing to place themselves aside?? The "I'll just be the best midwife I can" line is ridiculous. If you think that your midwife spends all this time with you and really cares so deeply for you/your family, you are dead wrong. If they do not want to be responsible in their practice, they really do not care about you/your family. Oh, they do care that you get a choice if you are high risk. Your babies health, not even a blip on their radar. If they are conniving enough to want to hide assets to prevent anyone from being able to sue them, then they are placing themselves above clients. Midwifery is "with woman", not above or more important than. WITH. 

Reading all of this tonight has me even more convinced that midwives do what they do because they care about themselves. If they cared about women and babies, they would have top notch educations, practice SAFELY (this means no high risk home deliveries), and carry insurance. It saddens me to see such horrid attitudes from midwives. I reallky understand why Brenda flipped the way she did. I wasn't the client who said "Ok, it's not your fault, babies just die. Let's be BFF's". I was the client who was pissed and I still am! My daughter mattered to me. She still does. So, I will keep fighting for her and all the babies out there whose lives are at risk because their parents stick to Non-CNM's. 

Malpractice- When your loved one is a money machine!

Yes, when you look into suing after the death of a baby, all you want is money to make yourself feel better. It'll make you soooo happy, too. Amiright??

WRONG!!! Why should bereaved parents or bereaved people in general be reimbursed when a loved one has died a preventable death at the hand of a negligent individual??

A. To help cover medical costs of the loved one. We all know medical costs are insane. It sucks, but it's life. These can either be costs already incurred or costs that will be incurred due to an error that resulted in injury. This can mean constant doctor appointments, hospitalizations, surgeries, medications, and therapies. What if a 24 hour nurse is needed??

B. Lost wages. Parents have to take off work, that's if they even have the option. Not all employers offer 3 days of bereavement pay. My husband was given it, but he was still asked to come into work the next day. Loved ones normally don't get paid if they have to spend days out of work. Now, if this is a spouse whose wages went into the family budget, that's totally gone leaving the surviving spouse struggling alone. Add in dependent children and their life will be drastically altered. Can that single mom making $10 an hour survive with three kids under 5?? What about it being a single mom that has died and now her parents are having to care for her two children while retired and on Social security?? What if there is an injured child and a parent has to stop working so they can care for this child? Or if a spouse or parent becomes disabled and people have to quit working to become caregivers??

C. Funeral costs. For an infant, costs can be quite low if parents find a funeral home offering free services and a cemetary offing a free burial, but that still costs something. Over 18 months, they get even more expensive. It took my mom years to pay off my sisters services and she was cremated. Burial plots can be up there. Ours was the cheapest around and was still $600. I've seen places here charging up to $2500 for one plot. This reminds me, we still have to hurry up and pay for our plot so nobody else can be beside our daughter.

D. Injuries/Disability- I touched on future medical costs and lost wages. What about having to move to a house that the disabled person can get around in easier?? What if you have to have medical equipment in the home?? What if a home has to be modified for the individual?? What about the costs of a wheelchair/scooter?? What about vehicle modifications or if modifications cannot be done and a special vehicle has to be purchased. Once a child gets big enough, you have to also have a special car seat in your vehicle. Some families can get assistance or help securing these, but what about those who can't??

So, suing for malpractice does not mean you are out for money. It means you are trying to keep your head above water and help reimburse you for expenses that should not of/should not be occurring. How anyone can accuse people of using their loved one as a money maker when suing for malpractice is beyond me. I guess until you are in those shoes, you cannot fathom suing and for that, be glad you don't understand. I use to think suing wouldn't bring someone back so why do it. Then I learned how expensive it can be when someone is suddenly dead because of malpractice. Money doesn't magically make pain go away. For those who think like the image above, I have to wonder if they think it's ok to sue for doctor injuries/negligence or if it's midwifery injuries/negligence that nobody should be able to sue for as that comment was directed to people who were saying CPM's should be carrying malpractice insurance and I was the only one with a dead baby.

Malpractice- When your loved one is a money machine!

Yes, when you look into suing after the death of a baby, all you want is money to make yourself feel better. It'll make you soooo happy, too. Amiright??

WRONG!!! Why should bereaved parents or bereaved people in general be reimbursed when a loved one has died a preventable death at the hand of a negligent individual??

A. To help cover medical costs of the loved one. We all know medical costs are insane. It sucks, but it's life. These can either be costs already incurred or costs that will be incurred due to an error that resulted in injury. This can mean constant doctor appointments, hospitalizations, surgeries, medications, and therapies. What if a 24 hour nurse is needed??

B. Lost wages. Parents have to take off work, that's if they even have the option. Not all employers offer 3 days of bereavement pay. My husband was given it, but he was still asked to come into work the next day. Loved ones normally don't get paid if they have to spend days out of work. Now, if this is a spouse whose wages went into the family budget, that's totally gone leaving the surviving spouse struggling alone. Add in dependent children and their life will be drastically altered. Can that single mom making $10 an hour survive with three kids under 5?? What about it being a single mom that has died and now her parents are having to care for her two children while retired and on Social security?? What if there is an injured child and a parent has to stop working so they can care for this child? Or if a spouse or parent becomes disabled and people have to quit working to become caregivers??

C. Funeral costs. For an infant, costs can be quite low if parents find a funeral home offering free services and a cemetary offing a free burial, but that still costs something. Over 18 months, they get even more expensive. It took my mom years to pay off my sisters services and she was cremated. Burial plots can be up there. Ours was the cheapest around and was still $600. I've seen places here charging up to $2500 for one plot. This reminds me, we still have to hurry up and pay for our plot so nobody else can be beside our daughter.

D. Injuries/Disability- I touched on future medical costs and lost wages. What about having to move to a house that the disabled person can get around in easier?? What if you have to have medical equipment in the home?? What if a home has to be modified for the individual?? What about the costs of a wheelchair/scooter?? What about vehicle modifications or if modifications cannot be done and a special vehicle has to be purchased. Once a child gets big enough, you have to also have a special car seat in your vehicle. Some families can get assistance or help securing these, but what about those who can't??

So, suing for malpractice does not mean you are out for money. It means you are trying to keep your head above water and help reimburse you for expenses that should not of/should not be occurring. How anyone can accuse people of using their loved one as a money maker when suing for malpractice is beyond me. I guess until you are in those shoes, you cannot fathom suing and for that, be glad you don't understand. I use to think suing wouldn't bring someone back so why do it. Then I learned how expensive it can be when someone is suddenly dead because of malpractice. Money doesn't magically make pain go away. For those who think like the image above, I have to wonder if they think it's ok to sue for doctor injuries/negligence or if it's midwifery injuries/negligence that nobody should be able to sue for as that comment was directed to people who were saying CPM's should be carrying malpractice insurance and I was the only one with a dead baby.