Studies show that currently more than 1.3 American elderly citizens reside in long-term care residential facilities. While many live out their years in these places enjoying the company of friends, medical care close at hand, and activities that keep the mind and body occupied and entertained, for others, such locations are the place where they are taken advantage of in the worst way. That’s because—perhaps surprisingly–sexual abuse of residents by members of the staff is one of the most common types of abuse that occurs in these environments. This is why the sexual misconduct coverage in nursing home insurance is, for agents, a feature that you can highlight when discussing this important policy with facility owners.
They know that their workers are called upon to assist seniors in the most intimate of circumstances—bathing, dressing, or helping with toileting. Each of these daily activities presents an opportunity for inappropriate and unwelcome touching, as well as harassment, rape, sodomy, or other types of sexual misconduct. Unfortunately, many seniors are unable to protect themselves in such situations due to a stroke or other medical condition that has limited their ability to speak or move, or they are otherwise weak and unable to defend themselves and unable to alert family or other staff of the abuse that is occurring.
Guard the safety of residents
Some danger signs your clients should be aware of include:
- Sudden, unexplained problems with walking or sitting
- Bruises that are visible on the breasts, buttocks, genital region, or inner thighs
- Bleeding in the vagina or anus that is unexplained
- Infections in the genitals or contraction of sexually transmitted diseases
- Irritation, redness, swelling, or injury of the genitals
- Evidence of ejaculate in the vagina or anus
- Bedding that is stained or bloody
- Underwear that is torn, stained, or bloody
- Burns or marks on wrists or ankles, indicating that the resident has been restrained
Nursing home insurance, for agents, is a key coverage that protects your clients in the event that sexual misconduct and a variety of other unfortunate events take place. However, you’ll want to stress to administrators that they must take care to hire workers with verified references which can reduce the risk of this misconduct ever occurring at the facility.