COVID-19 Pandemic Virus UPDATE
The COVID-19 pandemic has caused Preferra Insurance Company and the Preferra Insurance Company RRG, to receive an inordinate number of phone calls from social workers asking a variety of questions. We have found that most of the calls relate to remote practice methods. The risks that are summarized below.
The Most Frequent Issue
With the immediate social distancing shift away from in-person therapy, social workers are thrust into the telehealth and online worlds to conduct therapy. Many social workers are asking how to begin online and telehealth therapy and requisite guidelines. Regardless of technological progress and change, state laws take precedence over the delivery of professional services to clients within that state’s venue. Your state license is only valid in the state that issued the license to you. There is no system of reciprocity for social workers across states, so we must focus on intra-state therapy only. Reciprocity is the practice of exchanging things or services with others for mutual benefit, especially privileges granted by one state or organization to another. Most states allow license applicants to transfer the ASWB (Association of Social Work Boards), examination scores from one state to another. You also must comply with the requisite practice hours and educational requirements of the specific state in question. The license for a social worker is not portable like a driver’s license in one state being recognized by another state.
Before using online and teletherapy, read and understand your state’s laws before contacting your clients. All state regulatory boards have these regulations on their websites.
Once you have cleared your ability to connect remotely with your clients within the state(s) that you are licensed, establish expectations with your clients in the state that you are licensed using your intake form and service contract. This should already be your normal practice before performing professional services. Typically, you would use an informed consent document relating to telehealth and online therapy. A sample is available on the Preferra Insurance Company website. Your attorney can verify that you comply with your state’s laws in this scope of service.
Therapy Across State Lines
Providing professional services across state lines through teletherapy or any other channel without being licensed in the state in which the professional services are delivered is a violation of the state’s laws. Some state laws, such as California, are particularly strict with additional limitations set forth regardless of the residency of the client and the social worker. Here is another example. If you are licensed in Maryland and a client who is a resident of Pennsylvania drives to Maryland for therapy with you that is fine. However, you cannot continue with therapy over the telephone or online with that client when that client is in Pennsylvania unless you are also licensed in Pennsylvania. This is a case where you need to verify exactly what the state licensing laws are all about including limitations. States have different regulations and laws regarding teletherapy and online therapy, so check with HIPAA and the states in question.
Therapy Over the Telephone
Since you cannot know exactly where your client is at the time of the therapy call to your client’s cell phone, you are at risk to trust your client telling you the truth. Document the client’s representation at that time in your notes with time and date, and the discussion. This certainly becomes evidence if a negligence or malpractice lawsuit of board complaint is filed against you, further damaging by illegal out-of-state services that were provided by you. Your records will be subpoenaed as evidence by the plaintiff’s attorney during discovery in lawsuit formulation and litigation. Your defense attorney will also rely on this evidence to defend you in court. Set the rules of engagement therapy when you take on a new client or begin a new therapy channel.
Client Information Breach
When you provide teletherapy and online therapy you expose yourself to new risks and a new set of potential information breach damages. Although technology improves productivity and creates new positive opportunities and responsiveness, technology makes it too easy to make mistakes and breach client information. Unintentional calls or texts, and third-party digital storage networks online can result in breaches and expose you to multiple HIPAA information breaches. Your phone, Notebook, or laptop can be stolen and hacked. Your therapy call could be overheard by a bystander in a public venue. The Preferra Insurance Company RRG, defended an Preferra Cyber Liability insured for an innocent client list disclosure not related to an actual therapy case. No professional liability policies cover this peril outside of client-related delivery of professional services, so a Cyber Liability policy is required for this risk protection. No damage occurred, there was no lawsuit, but the incident required $12,000 in legal defense fees and related expenses to comply with the HIPAA 45 CFR Part 160 HIPAA HITECH Law. The social worker had to mail a paper notification letter to each client, pay for a security audit by a certified firm, pay HIPAA fines, pay for a one-year subscription for identity theft coverage protection for the victims, and pay for legal fees and state board notifications. Fortunately, the social worker bought an Preferra Insurance Company RRG, Cyber Liability policy and there is no deductible. These policies start at a low cost of $59 per year. They are available from the Preferra Insurance Company RRG, across several plans up to a $25,000 limit, and they cover all major Cyber Liability perils.
America overwhelmingly appreciates the most valued efforts of social workers doing good things for people as well as the Allied Health community in general. Thank you for all that you do! Good luck and stay healthy!
Published May 2020
