Common queries about the way our scheme works
If your employer is refusing to provide cover for you, please contact us on 0345 772 6100
Employment status is the key issue when assessing your eligibility for cover under the RCN scheme as an agency worker. If a contract of employment exists between you and any other party to the working relationship (i.e. the agency, the ‘end user’ (the setting where you are placed) or an umbrella company), then the RCN scheme will not apply.
Ultimately, the RCN will determine whether someone is an employee for the purposes of the indemnity scheme. We apply our own analysis based on expert employment law advice - as determined by case law - to clarify someone’s employment status.
We consider a range of factors including:
Also, the agency or end user may have indemnity in place for you. If you have indemnity through another provider/arrangement, the RCN scheme will not apply (i.e. the RCN does not provide double or ‘back up’ cover when other cover is already in place for you). For example, agency workers placed in NHS workplaces will be covered by NHS indemnity arrangements and so the RCN scheme will not apply to them.
So, it’s really important that you check your paperwork and seek clarification from the agency about your true employment status.
Only genuinely self-employed members will be covered by our scheme. If you’re still unsure, you can call RCN Direct for advice on 0345 772 6100.
If you’re an employee undertaking advanced nursing practice - including prescribing - then your employer has vicarious liability (or responsibility) for your actions and omissions at work. It is not appropriate for your employer to try to shift that responsibility, either onto you as an employee or onto the RCN as your union.
Whether you’re undertaking basic nursing activities or work independently in a specialist area, your employer should provide cover for you. You shouldn’t have to ‘top up’ the cover they already provide you, or get your own separate cover.
If your employer is refusing to provide cover specifically because you practice at an advanced level, please contact us on 0345 772 6100.
The RCN scheme will cover student members wishing to undertake elective placements abroad, subject to the conditions and exclusions explained in our terms and conditions document.
Please note that the scheme will not cover you for any claim made in either the United States of America or Canada, irrespective of where the alleged negligence occurred. Also, student midwives will not be covered for providing intrapartum care (wherever in the world this takes place).
Visit your MyRCN page to download written confirmation of your membership and keep it for you records.
Tax ‘status’ and employment status are different issues. While it is true that self-employed persons make their own tax arrangements, this is not enough in itself to prove your status for employment law purposes.
How you are paid (including how tax on your earnings is paid) is just one factor to be considered when deciding your employment status. Why is this important? Because only genuinely self-employed members are covered by the RCN’s indemnity scheme.
Even if you make your own tax arrangements, you will be excluded from our scheme if a contract of employment exists between you and another party for the work you are undertaking. If you are unsure of your employment status, you should check your contract. Call us on 0345 772 6100 if you need further help.
The scheme will cover you for costs up to £3 million for any one claim. If you need more than £3 million worth of indemnity cover for your self-employed work, you will need to use another provider; we do not offer additional cover above this.
That said, it is important for you to let us know when you change workplace so we can update your membership record. You can do this online at MyRCN.
In particular, you can still access: