News and Events

We are profoundly saddened and concerned by the recent destruction in our southern states caused by hurricanes.

OUM-insured chiropractors can contact us if your office has been affected by the recent hurricanes to let us know how we can best work with you regarding your professional liability insurance. If you have specific financial questions regarding your OUM policy, please contact us right away at (800) 423-1504. We want to help.

OUM recommends the following if your patients' records were destroyed or damaged:

If you utilize paper records, you can't replace the destroyed records. However, you can create a new record.

• Make a note in the patient's new file regarding what happened and the date the original records were destroyed or lost.
• Start the patient over as a "new patient" at the next visit (at no added cost to the patient or third party payor).
• Have the patient complete all forms that you would have a new patient complete such as the patient history form, consent to treat, current medication list, etc.
• Perform and document an initial history and physical exam and any other tests or other initial workup that is needed.
• If there are copies of prior lab work, X-rays, reports and other records that can be obtained from other healthcare providers, you can obtain copies and place in the new record. Be sure to identify each copy as a copy.

If you have further concerns regarding missing or damaged patient records, software, etc., please contact our risk management department at (800) 423-1504, ext. 2107. You may also e-mail your questions to oumrm@oumchiropractor.com.

"OUM" and "OUM Chiropractor Program" do not refer to a legal entity or insurance company but to a program or symbol of a program underwritten, insured and administered by either PACO Assurance Company, Inc. or Podiatry Insurance Company of America (PICA), both ProAssurance companies, rated A- (Excellent) and A+ (Superior) by A.M. Best, respectively.

Illinois Governor Bruce Rauner has declared state disaster areas in four northern counties—Cook, Kane, Lake, and McHenry. The Illinois Department of Insurance has issued a bulletin regarding cancellations, non-renewals, claims, and premium payments to safeguard insureds. We are monitoring our Illinois accounts and taking the actions required by the bulletin to ensure that our insureds are treated fairly.   

 Download the bulletin.

If you need an accommodation or extension due to the recent floods or have questions, please contact OUM at (800) 423-1504.

In addition, if you have a disaster-related dispute or issue, please call the Illinois Department of Insurance at (866) 445-5364, or file a complaint online.