Risk Pooling Schemes for Trusts (RPST)
RPST FAQs
Two separate schemes covering non-clinical risks, the Liabilities to Third Parties Scheme (LTPS) and the Property Expenses Scheme (PES), are known collectively as the Risk Pooling Schemes for Trusts (RPST). NHS bodies may join one and not the other if they wish.
Both schemes date from 1 April 1999, and cover begins from that date, or from the date when the NHS body joined the scheme where that is later. LTPS covers employers' liability claims, from straightforward slips and trips in the workplace to serious manual handling, bullying and stress claims. In addition, LTPS covers public and products liability claims, from personal injury sustained by visitors to NHS premises to claims arising from breaches of the Human Rights Act, the Data Protection Act and the Defective Premises Act. There is also cover for defamation, professional negligence by employees and liabilities of directors. PES provides cover for “first party” losses such as theft or damage to property. Detailed information on the scope of the schemes is set out in the LTPS and PES rules, while the LTPS reporting guidelines and RPST report form set out how members should report claims to us.
There are new reporting criteria for Members in respect of LTPS claims reported after 1st August 2006. These criteria will supplement the existing reporting guidelines. A letter announcing these changes and the ‘NHSLA Disclosure List’ have been sent to Members.
LTPS/PES claims are subject to excesses, with member bodies responsible for handling and funding below-excess claims themselves. They can, however, ask the NHSLA to handle these claims for them for a handling fee.
Like CNST, LTPS/PES contributions are calculated on an annual basis using actuarial techniques. Discounts are available to those who meet the relevant risk management standards.
All queries regarding RPST claims or coverage (including requests for certificates) should be directed to rpst@nhsla.com or the helpline phone number 0845 6010193. Queries about RPST contributions should be sent to financial@nhsla.com.