LIFE CARE PLANNING DILEMMAS: ETHICAL AND PRACTICAL
Considerations for Maximizing Effectiveness as a Life Care Planning Expert
By Robert H. Taylor MA, CRC, CDMS, CPC, CLCP
Vocational Diagnostics Inc.
Phoenix, AZ
Presented at the 2002 IARP Forensic Section Seminar, Orlando, FL
Overview:
Life Care Planners often face dilemmas in the development of a Life Care Plan that take many forms. Some dilemmas relate to the "mechanics" of the Life Care Plan, that is, how it is formulated and what is necessary to develop a coherent document with appropriate foundation. Some call our professional conduct into question, resulting in quandaries that yield true ethical concerns. The purpose of this paper is to address some of these dilemmas and discuss ways of addressing them.
I. Case Referral and Assignment:
The first dilemma facing the Life Care Planner occurs when a case referral is made. What is the assignment? Is the Life Care Planner qualified to address the issues that need to be addressed? Does he or she have the professional training and expertise necessary to prepare a competent Life Care Plan?
If the answer to this is, "yes," than the first ethical dilemma is avoided. If the answer is, "no," then the Life Care Planner encounters a potentially difficult dilemma. Should the case be accepted anyway with the risk that the work product will not be up to the standards of practice that exist in Life Care Planning, thus not serving the client in the most effective way possible, or, should the Life Care Planner refuse the assignment, recognizing that the client will be best served by another life care planner with greater expertise?
As with any ethical dilemma, one's own personal system of conduct will influence the decision that is made. If one holds licensure as a Registered Nurse or Rehabilitation Counselor, or certification as a Rehabilitation Counselor or Life Care Planner, though, such credentialing results in additional issues that need to be considered.
Registered Nurses are subject to the Nursing Practices Act in the state in which they are licensed. In Arizona, for instance, the Scope of Practice for Professional Nurse includes the following language:
- Performing those nursing activities for which the professional nurse has been prepared through basic education and additional skills which are obtained through approved continuing education programs. It also states:
- Assessing the patient's needs, planning for, implementing, evaluating, and documenting the nursing care being provided to each patient.
Life Care Planners who are Rehabilitation Counselors certified by the Commission on Rehabilitation Counselor Certification should be aware of the Code of Ethics for Certified Rehabilitation Counselors. In part, the Code states:
Section D.1-Professional Competence:
- Boundaries of Competence:
Rehabilitation Counselors will practice only within the boundaries of their competence, based on their education, training, supervised experience, state and local professional credentials and appropriate professional experience. Rehabilitation Counselors will demonstrate a commitment to gain knowledge, personal awareness, sensitivity and skills pertinent to working with a diverse client population. Rehabilitation counselor will not misrepresent their role or competence to clients.
- Referral:
Rehabilitation Counselors will refer clients to other specialists as the needs of the clients dictate.
- New Specialty Areas of Practice:
Rehabilitation Counselors will practice in specialty areas new to them only after appropriate education, training and supervised experience. While developing skills in new specialty areas, Rehabilitation Counselors will take steps to ensure the competence of their work and to protect the client from possible harm.
F.12. Forensic Evaluations
When providing forensic evaluations, the primary objective of Rehabilitation Counselors will be to produce objective findings that can be substantiated based on information and techniques appropriate to the evaluation which may include examination of the individual with a disability and/or review of records. Rehabilitation Counselors will define the limits of their report or testing, especially when an examination of the individual with a disability has not been conducted.
Life Care Planners who are Certified Life Care Planners must be aware of the Code of Professional Ethics of the Commission on Healthcare Certification. In part this states:
The primary objective of the disability examiner and life care planner is to the disabled person in question.
Principle 1-Moral and Legal Standards:
Disability Examiners and Life Care Planners shall behave in a legal, ethical and moral manner in the conduct of their profession, maintaining the integrity of the Code of Professional Ethics and avoiding any behaviors which would cause harm to others.
Once the life care planner is satisfied that he/she has the qualifications necessary to accept the assignment, review of the other case can begin and other potential dilemmas confronted.
I. Case Review
Review of records is a critical component in the development of a Life Care Plan. Records are foundation to the opinions of the Life Care Planner. It is important to realize, however, that records may:
- Be incomplete and fail to include adequate information required to provide foundation to the Life Care Plan;
- Be conflicting and provide inconsistent information with regard to subjective complaints and objective findings;
- Not provide any information at all to support the opinions of the life care planner
What is the life care planner to do when confronted with these dilemmas? To answer this question, it is important to realize what the life care planner is not:
- Unless the Life Care Planner has the M.D. credential, he/she is not a medical doctor and is not entitled to practice medicine and offer medical opinions within the context of a Life Care Plan;
- Even if the Life Care Planner happens to be a medical doctor, the same foundational requirements required by a non-M.D. life care planner have to be met.
These points cannot be understated, as proper foundation for recommendations in the Life Care Plan is critical for the Life Care Plan content to meet the legal burden for admissibility in the courts.
II. Life Care Plan Development-Common Problems
- Does the content of the Life Care Plan have its origin in medical or psychological conditions or disabilities arising from the alleged negligence of the tortfeasor, or to unrelated conditions or factors?
A Life Care Plan can only include what is necessary by virtue of a medical, psychological condition or disability. When involved in litigation, the forensic rehabilitation professional must also be concerned with providing content to the Life Care Plan that is made necessary due to the alleged negligence of the tortfeasor. For instance, although there is probably little doubt in the medical community that taking vitamins contributes to good health, unless vitamin therapy is specifically recommended due to a disability arising from the alleged negligence of another, it would not be appropriate to include the cost of vitamins in the Life Care Plan;
- Subjective Complaints vs. Objective Findings
In developing a Life Care Plan, especially in cases involving chronic pain syndrome, does the Life Care Planner solely embrace the subjective complaints of the subject of the Life Care Plan when the reason(s) for the subjective complaints may not have their origin in medical or psychological conditions arising from the alleged negligence of the tortfeasor?
To simply accept such subjective complaints as being legitimate may compromise the integrity of the Life Care Planner and jeopardize the remainder of the content of the Life Care Plan. Similarly, to summarily reject the subjective complaints may also be problematic.
To reconcile this dilemma, it is critical to get foundation from the appropriate medical or psychological experts upon whom the Life Care Planner can rely for guidance.
- Conflicting Medical or Psychological Opinions-What to Do?
It is not uncommon for Life Care Planners in forensic settings to confront diverse medical and psychological opinions. Does a life care planner retained by the plaintiff only rely upon medical or psychological experts retained by the plaintiff or treaters as opposed to independent examiners? Very often, a life care planner retained by the plaintiff will only have information provided by treating physicians at the time a Life Care Plan is developed. Independent Medical Examinations ordered by defendants may not be done until long after the Life Care Plan has been prepared.
When confronted with oftentimes-different opinions of the physician or psychologist retained by the defendant, does the life care planner retained by the plaintiff refuse to acknowledge these differing opinions? To refuse to acknowledge them would be a great mistake. Does this, then, require the development of an alternative Life Care Plan? The answer to that is, "perhaps." The reality is that the retaining attorney may not want to spend the money to do this, or the discovery rules under which the case is being tried may preclude it.
What I would suggest is that the life care planner is to be prepared to offer different Life Care Plan outcomes depending on the medical or psychological opinions he or she is asked to consider. This preserves the life care planner's credibility and displays a willingness to consider whatever information is presented for consideration. The time for this may not occur, though, until the life care planner is deposed.
This issue, however, leads to one of the key dilemmas confronted by life care planners.
- Is the Life Care Planner Expected to do Merely What the Referral Source Requests Regardless of its Ethical Implications?
The life care planner is obligated to share his/her knowledge and expertise with the referral source. Recognizing the ethical obligation to the subject of the Life Care Plan (the client), it behooves the life care planner to educate the referral source so that no harm is done to the client. If the life care planner does NOT take these steps and allows harm to be done to the client, this could have serious consequences.
Very often, the referral source, typically an attorney or insurance company claims professional, will not have much experience in working with life care planners and understanding how Life Care Plans are developed. Just as we are not attorneys and are not, therefore, held to the highest standards as an attorney when it comes to understanding the law, the attorney cannot be expected to understand the profession of life care planning and make the most-informed decisions that will impact on the life care plan and the role of the life care planner.
Life care planners are educators to their clients, attorneys, judges and other triers of fact, such as juries, mediators and arbitrators. To merely follow the "marching orders" of the referral source can result in the compromise of professional ethics and credibility, problems that can be harmful to the client, the subject of the Life Care Plan. We must avoid these problems whenever possible.
IV. Life Care Plan Development: Process Concerns
When developing a Life Care Plan, many dilemmas can be avoided if the life care planner adheres to accepted Life Care Plan development processes such as:
- Preparing a document that provides for categories of medical and non-medical services and equipment as discussed in the life care planning literature;
- Using current cost information;
- Relying upon multiple sources for cost data to avoid the appearance of providing inflated, deflated or otherwise inappropriate costs for the items contained in the Life Care Plan;
- Using geographic-specific resources and cost data;
- Preparing the Life Care Plan in both narrative and table format so the Life Care Plan can be easily understood;
- Documenting informational and foundational data sources;
- Not including items or services for which there is no support;
- Carefully considering funding sources and avoiding the use of inappropriate collateral sources which may not only be precluded by case law or statute, but the availability of such funds may not be predictable from year to year, let alone over the period of time set forth in the Life Care Plan.
V. Collateral Source Concerns:
As stated above, collateral sources must be used with great care in the Life Care Plan, although they should be considered where permitted by case law and/or statute. In most jurisdictions, the use of collateral sources such as group medical insurance, Medicaid or Medicare are only permissible in cases involving claims of medical malpractice. The Life Care Planner must discuss this issue with the referral source (attorney) to determine if the use of collateral sources is permissible as a matter of law. It is the responsibility of the life care planner to make such inquiries.
In many cases, collateral sources for therapies, such as those provided in the public school system, have been demonstrated over time to be reliable and continuous sources for therapy services for children with disabilities. Under the Individuals with Disabilities Education Act Amendments of 1997, (Public Law 105-17), however, such therapies are only intended to provide the child with the ability to get a free and appropriate public education. Therapies included in an Individual Education Plan (IEP) in the public school system are not intended to address and resolve problems that exist outside the public school system. The Life Care Planner should expect that consideration for additional therapies outside the public school system will be necessary to address needs that are present at home, in the community or to facilitate the development of skills necessary to perform activities of daily living.
- Case Examples:
- You receive a referral to develop a Life Care Plan from a defense attorney in a case involving claims of medical malpractice. The subject of the Life Care Plan is a child with a brain injury. The attorney requests that you develop a Life Care Plan using only collateral sources. These collateral sources would provide for the cost of medical office visits, diagnostic studies, therapies, equipment, supplies, etc. Due to limitations in family income, the child qualifies for services through the State that provide for all long term medical care and many of the above services, equipment and supplies.
- You receive a referral to develop a Life Care Plan and the facts are the same as above, except that the family has excellent group medical insurance that is paying for the majority of the child's needs at present.
What is the course of action that you follow? Do you tell the attorney in each case:
- I will be happy to do as you ask;
- I cannot simply do as you ask. I have an ethical obligation to the subject of the Life Care Plan and will consider those collateral sources that are appropriate and include those in the Life Care Plan;
- I need more information regarding the available potential collateral sources, such as whether they have rights of subrogation. If they have such lien rights, it would be inappropriate to consider these as appropriate collateral sources as they would expect reimbursement for what they have paid from any settlement or jury verdict and my Life Care Plan, therefore, would not adequately include the funds to provide for the child's future care needs as set forth in the Life Care Plan. To include these collateral sources would, therefore, create a situation where I could be accused of committing a breach of ethics as I have willfully underfunded the Life Care Plan;
- I will be happy to develop a Life Care Plan in this case as I am qualified to perform this task, but I can only do so in a manner consistent with how my profession, certifications (and/or licenses) literature and standards of practice dictate how the Life Care Plan should be developed.
As is clearly evident, there is not necessarily an easy answer to this question or direction that should be undertaken as set forth in the suggested responses above. It should be noted, however, that in the eyes of the author, there is little, if any, justification for response "a." An agreement to simply perform the bidding of a referral source will expose the Life Care Planner to suggestions of bias. It will also create significant problems for the Life Care Planner in the future when confronted with a similar request if made by a plaintiff attorney in another case at a later date.
Once a Life Care Planner agrees to compromise his practice methods to satisfy the desires of a referral source, questions will always be asked about his "intellectual honesty' and "integrity." This is not to say that these same questions would not be raised by an adverse attorney who simply disagrees with the approach taken by the life care planner or the contents of the Life Care Plan. This should be expected to some extent as an attorney is an advocate and will do whatever necessary to protect his client. Life Care Planners must avoid personal behaviors or decisions that would otherwise hasten such judgments as this could have a serious impact on their future work as a forensic expert.
VI. Final Considerations
When developing a Life Care Plan, the life care planner must exercise considerable professional judgment and perform this task objectively by assessing the subject's future care needs, but also by assuring that the funds set forth in the Life Care Plan will properly and adequately fund its content. Failure to consider these factors can have serious consequences to not only the subject of the Life Care Plan, but the life care planner.
Life care planners should not be expected to have all of the expertise necessary to address all components of a Life Care Plan including the medical or psychological conditions that might be encountered in every case in which he becomes involved. Obviously, those with less experience in life care planning will not have the expertise of those with greater experience. This means that the life care planner should take whatever steps necessary to obtain such knowledge and foundation to the Life Care Plan.
For whatever reason, though, many life care planners are hesitant to request and obtain the necessary assistance to develop a Life Care Plan for a case in litigation. Is this due to one's own insecurities and unwillingness to ask for help? Is this due to their fear that a request for any assistance will mark them as a weak and ineffective life care planner? Is there the fear of competition? There is no simple answer to this question.
If one views life care planning as a physician views the practice of medicine, we can see the similarities that exist. Both professions have as the primary concern a specific individual. Both professions have ethical duties to that individual. Physicians routinely obtain second opinions to address questions they may have regarding a patient's care. If I were to ask the same question of a life care planner, the probable answer is, "I have not found it necessary to consult with anyone in the development of my Life Care Plan." Inexplicably, this may mean that the life care planner has not consulted with any other experts to provide foundation to the Life Care Plan. In some cases, the life care planner may have consulted with some medical experts, but not another life care planner, even if they have questions about their approach to a case.
In order to avoid plunging into the pit of ethical breaches, the life care planner must consistently address the problem areas discussed above, not compromise their personal integrity and practice in a manner where their credibility can never be bought into question. Life care planners provide a valuable service on cases in litigation and inevitably, in the cases in which they become involved, the stakes are quite high, indeed. For this reason, life care planners must not jeopardize the role they play by practicing in a manner that diminishes the credibility of the profession of Life Care Planning. Life care planners must strive to enhance the credibility of the profession and not take steps to diminish it.
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