What is The Trust 800 Advocate Program?
The Trust Advocate 800 Program is intended to help psychologists insured through The Trust Sponsored Professional Liability Insurance Program to avoid or reduce the risk of malpractice actions and disciplinary complaints. The Trust Advocate 800 Program is your chance to get clinical and legal risk management consultation from an experienced attorney-psychologist. The appointments are free and confidential.
Who may use the advocate service?
If you are insured under a Trust Professional Liability policy (including the Student Liability and the Researcher and Academician Liability policies) as an owner or an employee, psychologist or non-psychologist, you are eligible to use the service. Unfortunately, independent contractors and additional insureds are not eligible.
How do I schedule an appointment with the advocate service?
To schedule an appointment, call The Trust at 1-800-477-1200. A representative will help you schedule a time when the advocate will call you. Each appointment is limited to 30 minutes.
When should I consult the advocate service?
- You should contact the advocate service when you have a legal or ethical question regarding your practice. You need not wait until you are facing a claim. Since the service is free, no question is too small.
- The advocate does not answer policy coverage questions. Insurance coverage questions should be directed to a Trust Customer Service Representative at 1-800-477-1200.
- The advocate cannot answer basic business questions; for example, whether to set up a PC or LLC, or how to pay an employee or independent contractor. A local attorney best handles those questions.
What types of issues are covered through the Advocate 800 Program and what issues are excluded?
The Trust Advocate 800 Program is limited to issues that are subject to
coverage under The Trust Sponsored Professional Liability Insurance Program. This
includes, but is not limited to, questions about:
- Minor children, parents, divorce, custody issues or problematic patients;
- Confidentiality and its exceptions; including duty to protect, suicidal client,
mandated reporting of child abuse, bill collection;
- Forensic issues and court involvement, including expert testimony;
- Employment related evaluations;
- Conflicts between managed care demands and responsibilities to patients,
including certain contractual provisions of managed care contracts;
- Responding to complaints before licensing boards and ethics committees;
- Potential conflicts of interests, multiple relationships, allegations of sexual
- Supervisory responsibilities; and
- Informed consent, record keeping, access to professional records
The service is not designed to provide advice on business questions, such
as advantages and disadvantages of different organizational structures,
anti-trust issues, analysis of business contracts, office leases and
employee-employer relations. The service also is not designed for consultation
on personal legal questions which are unrelated to professional liability, such
as the purchase of a house, tax matters, and interpretations of a legal
document such as a will. These types of questions should be addressed by your
personal attorney. Questions on types of insurance, pricing, and coverage
issues related to your professional liability insurance policy should be
addressed to The Trust office (1-800-477-1200).
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