PROFESSIONAL LIABILITY PROGRAM

Risk Management


 


What is PLP?

PLP is a program of the RCDSO created in the 1970s to administer malpractice protection for Ontario dentists.

Mission

In accordance with the RCDSO’s public protection mandate, PLP works to provide timely, reasonable compensation to patients injured as a result of dental negligence. To ensure that funds are available for those patients and in order to protect the reputation of the profession, PLP vigorously defends any member whose care was appropriate and/or did not cause harm. PLP also promotes patient safety and responsible dentistry by providing individual and group risk management guidance to members.

Services

  • Administers the errors and omissions policy for RCDSO members issued by a commercial insurer (currently ENCON).
  • Prepares documentation to assist members in refunding fees to patients.
  • Provides advice to members on dealing with dissatisfied patients and responding to allegations of wrongdoing by patients or their representatives.
  • Assists members in avoiding dental-legal difficulties through one-on-one discussions, presentations to dental students, societies and associations, articles in Dispatch magazine and pamphlets on important risk management topics.

Team

PLP’s highly skilled team consists of administrative staff, paralegals, professional liability and legal advisors, a senior dental consultant and a director. In addition, PLP retains lawyers with expertise in dental malpractice from a select group of Ontario law firms to assist members involved in court proceedings.

Governance

The activities of PLP are subject to oversight by a standing committee of the RCDSO Council. The PLP Committee approves settlements and provides trial authority in appropriate cases, monitors and reports to Council on PLP’s overall performance and makes recommendations to RCDSO Council on policy and strategic issues affecting the program.


Dispatch Magazine Articles

We’ve compiled a collection of Dispatch articles that contain information and advice for members on dental records, dealing with patients, risk management and other relevant topics. Download now



Excess Malpractice Coverage

MedThree Insurance Group offers RCDSO members excess malpractice coverage of $15 million above the $8 million in excess coverage currently available through ENCON Group Inc. The premium for this product is $450. Together with the base amount of $2 million provided by the Professional Liability Program, this brings the total protection available to RCDSO members to $25 million.

Since the viability of any group insurance plan is tied to the number of subscribers, whether this program will be offered again depends on how many RCDSO members sign up this year.

Any questions about excess coverage should be directed to Marsh Canada at 416-349-3590.