Ignorance is Expensive
As this new year begins, we’d like to take a moment to reflect on the past as far too many of you still think you are immune to allegations of wrongdoing, regardless of how many times we reinforce the need to have professional liability insurance. Unfortunately, ignorance is expensive.
If an allegation is made against you, the challenge is having the necessary expertise to defend yourself successfully. You will be dealing with a process that limits your rights and access to information. All too often, federal executives don’t consult with an attorney to understand the legal rights and obligations in the investigative process. It is also necessary to understand the power of the investigator and the parameters of the law under which you’ve been accused. Far too many fellow executives were dead certain they did nothing wrong, and then went to the initial interview without obtaining legal advice, only to learn that they unknowingly admitted to violating some civil service or other law, rule or regulation. Much more often than you think, executives find themselves facing proposed disciplinary action or worse – prosecution – while dutifully, honestly and innocently performing work on behalf of the Federal Government. Here are just a few examples of 2017 claims – some claim detail has been purposefully altered or limited for privacy reasons:
Agency: Internal Revenue Service
The insured, a career civil servant, is the subject of a Congressional investigation due to complaints filed by outside stakeholders regarding enforcement decisions.
Paid to date: $28,000
Agency: Department of Veterans Affairs
The insured is a subject of an OSC investigation for alleged whistleblower retaliation.
Paid to date: $76,062
Agency: Health and Human Services
The insured, who has collateral duties as an obligating official, is the subject of an Antideficiency Act violation investigation.
Paid to date: $101,332
Agency: Department of Agriculture
The insured was the Responsible Management Official (RMO) in an EEO complaint filed by a disgruntled employee, who later prevailed against the agency in the underlying EEO complaint before the EEOC. Subsequent to the EEOC’s decision and pursuant to the Administrative Judge’s decision, the agency, after its own administrative investigation, proposed a disciplinary action against the insured RMO for engaging in discriminatory behavior.
Paid to date: $70,000
Today’s policies and politics subject federal executives to complicated, overreaching, and never-ending government investigations – and even though innocent – so many are simply unable to maneuver the process successfully without legal counsel.
SEA recommends FEDS Protection and Congress mandated federal agencies to reimburse you for half the cost of the insurance, so the cost is only $145 (after reimbursement) for the $1,000,000 policy. This isn’t a deal that’s too good to be true – it works the same way as your home, auto or health insurance. It should be noted that FEDS does not charge an extra $100 to cover EPLI type claims. Unlike some carriers, this is your cost including coverage for EPLI type claims.
Don’t forget your $10-member discount. Tell the FEDS representative you’re a SEA member or enter the discount code SEA when prompted. The discount code is case sensitive.
Enrollment takes less than 5 minutes:
Call us Monday – Friday 8am – 6pm ET at 866.955.FEDS or
Enroll on-line anytime at www.fedsprotection.com.