The Trust is a Leading Provider of Insurance Products and Continuing Education Programs for Psychologists

For almost 25 years, The Trust has been providing continuing education workshops and individual consultations, with a focus on improving psychologists’ risk management skills and strategies. These workshops have evolved from basic concepts and strategies to a more applied, integrated, and strategic approach to help you protect yourself from adverse disciplinary and legal actions. For this newest workshop, The Trust Risk Management Program reviewed data from over 70,000 consultations provided to date in order to determine which issues and questions are most pressing for today’s psychologists. Topics will include boundaries and multiple relationships, challenging terminations, working with children in the midst of family conflict, coping with disciplinary complaints, and psychotherapy patient requests for legally related documentation. Instructors: Leisl Bryant, Ph.D., ABPP; Julie Jacobs, Psy.D., J.D; Joe Scroppo, Ph.D., J.D.; Daniel O. Taube, J.D., Ph.D.; Amanda D. Zelechoski, J.D., Ph.D., ABPP [Note] This webinar was filmed on August 8, 2018, and may not reflect the most current information and laws regarding this topic. Learning Objectives Describe basic principles of risk management, as applied to several specific clinical situations that frequently arise in professional practice; Identify high risk boundary violations and multiple relationship situations; Recall important considerations when making therapeutic termination decisions; Evaluate potential risks when working with children in high-conflict families; Formulate a plan for responding to disciplinary or legal complaints; and Identify issues and strategies when psychotherapy patients make quasi-forensic requests   Important Notice Because this webinar is on-demand, once you are registered and have created a login account, you can view the webinar at any time in whatever time increments are most convenient. In order to download your CE certificate, receive CE credits, and become eligible for a discount on your Trust Sponsored Professional Liability Insurance policy premium, you must: Complete the entire webinar, Pass a brief exam, and, Complete a brief evaluation form. You are required to achieve a passing score of 75 percent or higher. You are allowed three attempts to successfully complete the exam. If you are unsuccessful on the third attempt, you must re-purchase the course to try again. Eligibility for Insurance Premium Discounts Completing one of The Trust’s Ethics and Risk Management Webinar Sequences earns 6 CE credits and eligibility to receive a 15% premium discount on Trust Sponsored Professional Liability Insurance for the next two consecutive renewal periods. To obtain CE discounts, download and submit CE certification for this webinar (completed within the previous 15 months) with your insurance application/renewal. Discounts are not applicable to Researcher/Academician or Student policies. Group policies become eligible for CE discounts when at least 50% of individuals insured under the group policy submit CE certification totaling the number of credits needed for a particular percentage discount. All applications are individually underwritten and submission of CE certification will not guarantee insurance policy issuance or renewal. Continuing Education Credits The Trust is approved by the American Psychological Association to sponsor continuing education for psychologists. The Trust maintains responsibility for this program and its content. The Trust is recognized by the New York State Education Department’s State Board for Psychology as an approved provider of continuing education for licensed psychologists #PSY-0019. Continuing Education Grievance Policy The Trust is fully committed to conducting all activities in strict conformance with the American Psychological Association's Ethical Principles of Psychologists. The Trust will comply with all legal and ethical guidelines for non-discrimination in promotional activities, program content and in the treatment of CE participants. The Trust CE Director is responsible for complying with these standards. While the Trust strives to assure fair treatment for all participants and to anticipate problems before they occur, occasionally grievances may be filed. In cases where a participant files a written or oral grievance, the following actions are taken: If the grievance concerns the content of the workshop, webinar, book or the continuing education test, a Trust representative will mediate and will be the final arbitrator. If the participant requests action, the CE Director or a Trust representative will either provide a credit for a subsequent CE offering or provide a partial or full refund of the CE fee already paid. Actions involving a credit or a refund will require a written note documenting the grievance for record-keeping purposes. The aggrieved individual need not sign the note. If the grievance specifically concerns The Trust, the CE Director or Trust representative will attempt to arbitrate. Direct correspondence to: Continuing Education The Trust 111 Rockville Pike, Suite 700 Rockville, MD 20850 Phone: (800) 477-1200 Email: grievances@trustinsurance.com NOTE: This information is provided as a risk management resource and is not legal advice or an individualized personal consultation. At the time this resource was prepared, all information was as current and accurate as possible; however, regulations, laws, or prevailing professional practice standards may have changed since the posting or recording of this resource. Accordingly, it is your responsibility to confirm whether regulatory or legal issues that are relevant to you have since been updated and/or to consult with your professional advisors or legal counsel for timely guidance specific to your situation. As with all professional use of material, please explicitly cite The Trust Companies as the source if you reproduce or distribute any portion of these resources. Reproduction or distribution of this resource without the express written permission of The Trust Companies is strictly prohibited. Read more

Assessing and Managing Risk in Psychological Practice: An Individualized Approach, Second Edition (Exam and e-book) Authors: Samuel Knapp, Ed.D., ABPP; Jeffrey N. Younggren, Ph.D., ABPP; Leon VandeCreek, Ph.D., ABPP; Eric Harris, J.D., Ed.D.; and Jana N. Martin, Ph.D. Many new areas of practice have emerged along with new methods of communication between therapists and patients since the introduction of this popular book and independent learning course. Some of these changes have resulted in uncertainty for psychologists regarding ethics and professional liability. With its goal to provide psychologists with helpful and relevant risk management guidance, The Trust has gathered experts to research new issues facing the profession and to present a variety of practical strategies. With the Second Edition of Assessing and Managing Risk in Psychological Practice: An Individualized Approach, The Trust and The Trust Practice and Risk Management Association (TrustPARMA) have updated their core ethics and risk management principles and provided important new information — all designed to help psychologists identify and understand some of the ethical and legal implications of psychology practice today. Topics include: Emerging areas such as forensic services and coaching Digital forms of interaction and social media Privacy, confidentiality and privileged communications Multiple relationships and boundaries Working with couples, families and children Psychologists in the courtroom Psychological assessment and testing Potentially suicidal or dangerous patients Business, retirement and insurance concerns What You Should Know Eight CE Credits and a 10% Savings: Earn 8 ethics continuing education credits and a 10% savings off your Trust Sponsored Professional Liability Insurance premium at your next renewal by reading this publication and passing an online exam. Hard Copy of book: A printed copy of the Second Edition can be ordered here. The book will be mailed to the address on your policy. ($8.95 for Trust insureds, $39.95 for non-insureds). Free eBook Downloads for Trust Insureds: Download a FREE Second Edition eBook (PDF, ePub or Mobi) through your account at The Trust Online Service Center. Important Note If you read the First Edition book, took the exam, and earned the CE/discount in a previous policy period, you are eligible to complete this new independent learning course and earn 8 CE credits and a 10% savings based on the new content and taking a new exam. This exam is available online and can only be purchased online. Phone orders will not be accepted. You cannot purchase two or more of the same online exam. The documentation of CE Credit is available upon successful completion of the test. You will be prompted to complete an evaluation form prior to printing your certificate. You are required to achieve a passing score of 75% or higher. You are allowed three attempts to successfully complete the exam. If you are unsuccessful on the third attempt, you must re-purchase the course to try again. Continuing Education Credits The Trust is approved by the American Psychological Association to sponsor continuing education for psychologists. The Trust maintains responsibility for this program and its content. The Trust is recognized by the New York State Education Department’s State Board for Psychology as an approved provider of continuing education for licensed psychologists #PSY-0019. NOTE: This information is provided as a risk management resource and is not legal advice or an individualized personal consultation. At the time this resource was prepared, all information was as current and accurate as possible; however, regulations, laws, or prevailing professional practice standards may have changed since the posting or recording of this resource. Accordingly, it is your responsibility to confirm whether regulatory or legal issues that are relevant to you have since been updated and/or to consult with your professional advisors or legal counsel for timely guidance specific to your situation. As with all professional use of material, please explicitly cite The Trust Companies as the source if you reproduce or distribute any portion of these resources. Reproduction or distribution of this resource without the express written permission of The Trust Companies is strictly prohibited. Read more

Together, participants will work to see the risk management implications of specific situations and choices, scrutinize options for resolution, and foster a tolerance for ambiguity and the understanding that there may be no single ideal solution to each challenge. We will also discuss strategies for effective risk management and good patient care when regulations and requirements are unclear. Featuring: Leisl Bryant, Ph.D., ABPP; Julie Jacobs, Psy.D., J.D.; Marc Martinez, Ph.D., ABPP [Note] This webinar was filmed on March 3, 2022, and may not reflect the most current information and laws regarding this topic. Learning Objectives Participants will apply current APA Ethical Principles and Standards to real-life scenarios. Participants will identify three risk management strategies. Participants will describe specific dilemmas that are arising in professional practice and analyze the relevant legal, ethical, clinical, and risk management components.  Participants will identify key risk management considerations related to the assessment and management of suicidal patients, as well as upcoming changes in Medicare requirements for telehealth. Important Notice Because this webinar is on-demand, once you are registered and have created a login account, you can view the webinar at any time in whatever time increments are most convenient. In order to download your CE certificate, receive CE credits, and become eligible for a discount on your Trust Sponsored Professional Liability Insurance policy premium, you must: Complete the entire webinar, Pass a brief exam, and, Complete a brief evaluation form. You are required to achieve a passing score of 75 percent or higher. You are allowed three attempts to successfully complete the exam. If you are unsuccessful on the third attempt, you must re-purchase the course to try again. Eligibility for Insurance Premium Discounts Unless otherwise noted, you can combine 6 or more CE credit hours earned from The Trust’s Virtual Webinar Series (Risk Management Roundtables, Telehealth Community Chats, We Hold These Truths) and become eligible for a 15% savings on your Trust Sponsored Professional Liability Insurance premium for two consecutive renewal periods. You can also combine 4 or more CE credit hours earned from The Trust’s webinars or any other continuing education programs authorized by APA to offer CE credit and become eligible for a 5% savings on your Trust Sponsored Professional Liability Insurance premium for one renewal. To obtain CE discounts, download and submit CE certificates (totaling 4 or 6 hours as explained above and completed within the previous 15 months) with your insurance application/renewal. Discounts are not applicable to Researcher/Academician or Student policies. Group policies become eligible for CE discounts when at least 50% of individuals insured under the group policy submit CE certification totaling the number of credits needed for a particular percentage discount. All applications are individually underwritten and submission of CE certification will not guarantee insurance policy issuance or renewal. Continuing Education Credits The Trust is approved by the American Psychological Association to sponsor continuing education for psychologists. The Trust maintains responsibility for this program and its content. The Trust is recognized by the New York State Education Department’s State Board for Psychology as an approved provider of continuing education for licensed psychologists #PSY-0019. Continuing Education Grievance Policy The Trust is fully committed to conducting all activities in strict conformance with the American Psychological Association's Ethical Principles of Psychologists. The Trust will comply with all legal and ethical guidelines for non-discrimination in promotional activities, program content and in the treatment of CE participants. The Trust CE Director is responsible for complying with these standards. While the Trust strives to assure fair treatment for all participants and to anticipate problems before they occur, occasionally grievances may be filed. In cases where a participant files a written or oral grievance, the following actions are taken: If the grievance concerns the content of the workshop, webinar, book or the continuing education test, a Trust representative will mediate and will be the final arbitrator. If the participant requests action, the CE Director or a Trust representative will either provide a credit for a subsequent CE offering or provide a partial or full refund of the CE fee already paid. Actions involving a credit or a refund will require a written note documenting the grievance for record-keeping purposes. The aggrieved individual need not sign the note. If the grievance specifically concerns The Trust, the CE Director or Trust representative will attempt to arbitrate. Direct correspondence to: Continuing Education The Trust 111 Rockville Pike, Suite 700 Rockville, MD 20850 Phone: (800) 477-1200 Email: grievances@trustinsurance.com NOTE: This information is provided as a risk management resource and is not legal advice or an individualized personal consultation. At the time this resource was prepared, all information was as current and accurate as possible; however, regulations, laws, or prevailing professional practice standards may have changed since the posting or recording of this resource. Accordingly, it is your responsibility to confirm whether regulatory or legal issues that are relevant to you have since been updated and/or to consult with your professional advisors or legal counsel for timely guidance specific to your situation. As with all professional use of material, please explicitly cite The Trust Companies as the source if you reproduce or distribute any portion of these resources. Reproduction or distribution of this resource without the express written permission of The Trust Companies is strictly prohibited. Read more

There has been significant confusion and understandable frustration about the No Surprises Act (NSA) that took effect January 1, 2022. This Risk Management Roundtable will focus specifically on the NSA, and participants are encouraged to raise their own questions and concerns for discussion. Together, participants will work to see the risk management implications relevant to the NSA, scrutinize options for resolution, and foster a tolerance for ambiguity and the understanding that there may be no single ideal solution to each challenge. We will also discuss strategies for effective risk management and good patient care when regulations and requirements are unclear. Featuring: Leisl Bryant, Ph.D., ABPP; Joe Scroppo, Ph.D., J.D.; Daniel Taube, J.D., Ph.D. [Note] This webinar was filmed on February 10, 2022, and may not reflect the most current information and laws regarding this topic. Objectives:  Participants will apply current APA Ethical Principles and Standards to real-life scenarios. Participants will distinguish between ethical, professional practice (clinical and moral issues), risk management, or legal concerns. Participants will discuss, consult, and review specific dilemmas that are arising from the NSA and share potential resolutions. Participants will gain an increased awareness of the risk management and ethical situations emerging in mental health practice at this time. Important Notice Because this webinar is on-demand, once you are registered and have created a login account, you can view the webinar at any time in whatever time increments are most convenient. In order to download your CE certificate, receive CE credits, and become eligible for a discount on your Trust Sponsored Professional Liability Insurance policy premium, you must: Complete the entire webinar, Pass a brief exam, and, Complete a brief evaluation form. You are required to achieve a passing score of 75 percent or higher. You are allowed three attempts to successfully complete the exam. If you are unsuccessful on the third attempt, you must re-purchase the course to try again. Eligibility for Insurance Premium Discounts Unless otherwise noted, you can combine 6 or more CE credit hours earned from The Trust’s Virtual Webinar Series (Risk Management Roundtables, Telehealth Community Chats, We Hold These Truths) and become eligible for a 15% savings on your Trust Sponsored Professional Liability Insurance premium for two consecutive renewal periods. You can also combine 4 or more CE credit hours earned from The Trust’s webinars or any other continuing education programs authorized by APA to offer CE credit and become eligible for a 5% savings on your Trust Sponsored Professional Liability Insurance premium for one renewal. To obtain CE discounts, download and submit CE certificates (totaling 4 or 6 hours as explained above and completed within the previous 15 months) with your insurance application/renewal. Discounts are not applicable to Researcher/Academician or Student policies. Group policies become eligible for CE discounts when at least 50% of individuals insured under the group policy submit CE certification totaling the number of credits needed for a particular percentage discount. All applications are individually underwritten and submission of CE certification will not guarantee insurance policy issuance or renewal. Continuing Education Credits The Trust is approved by the American Psychological Association to sponsor continuing education for psychologists. The Trust maintains responsibility for this program and its content. The Trust is recognized by the New York State Education Department’s State Board for Psychology as an approved provider of continuing education for licensed psychologists #PSY-0019. Continuing Education Grievance Policy The Trust is fully committed to conducting all activities in strict conformance with the American Psychological Association's Ethical Principles of Psychologists. The Trust will comply with all legal and ethical guidelines for non-discrimination in promotional activities, program content and in the treatment of CE participants. The Trust CE Director is responsible for complying with these standards. While the Trust strives to assure fair treatment for all participants and to anticipate problems before they occur, occasionally grievances may be filed. In cases where a participant files a written or oral grievance, the following actions are taken: If the grievance concerns the content of the workshop, webinar, book or the continuing education test, a Trust representative will mediate and will be the final arbitrator. If the participant requests action, the CE Director or a Trust representative will either provide a credit for a subsequent CE offering or provide a partial or full refund of the CE fee already paid. Actions involving a credit or a refund will require a written note documenting the grievance for record-keeping purposes. The aggrieved individual need not sign the note. If the grievance specifically concerns The Trust, the CE Director or Trust representative will attempt to arbitrate. Direct correspondence to: Continuing Education The Trust 111 Rockville Pike, Suite 700 Rockville, MD 20850 Phone: (800) 477-1200 Email: grievances@trustinsurance.com NOTE: This information is provided as a risk management resource and is not legal advice or an individualized personal consultation. At the time this resource was prepared, all information was as current and accurate as possible; however, regulations, laws, or prevailing professional practice standards may have changed since the posting or recording of this resource. Accordingly, it is your responsibility to confirm whether regulatory or legal issues that are relevant to you have since been updated and/or to consult with your professional advisors or legal counsel for timely guidance specific to your situation. As with all professional use of material, please explicitly cite The Trust Companies as the source if you reproduce or distribute any portion of these resources. Reproduction or distribution of this resource without the express written permission of The Trust Companies is strictly prohibited. Read more

In this Chat, Drs. Smucker Barnwell and Adams Larsen will guide you through real-life clinical and technical decision-making scenarios related to risk management. They'll explore different options for solutions and encourage you to embrace the unknowns that come with our current context. Plus, they'll also share some helpful strategies for managing risks and ensuring top-notch patient care when regulations and requirements are unclear. Featuring: Margo Adams Larsen, Ph.D. and Sara Smucker Barnwell, Ph.D. [Note] This webinar was filmed on January 10, 2022, and may not reflect the most current information and laws regarding this topic. Learning Objectives Participants will be able to identify key features of professional wills and how remote practice influences this aspect of practice planning. Participants will be able to discuss considerations for psychologists who also offer coaching services. Participants will be able to articulate points of consideration when working remotely with schools. Important Notice Because this webinar is on-demand, once you are registered and have created a login account, you can view the webinar at any time in whatever time increments are most convenient. In order to download your CE certificate, receive CE credits, and become eligible for a discount on your Trust Sponsored Professional Liability Insurance policy premium, you must: Complete the entire webinar, Pass a brief exam, and, Complete a brief evaluation form. You are required to achieve a passing score of 75 percent or higher. You are allowed three attempts to successfully complete the exam. If you are unsuccessful on the third attempt, you must re-purchase the course to try again. Eligibility for Insurance Premium Discounts Unless otherwise noted, you can combine 6 or more CE credit hours earned from The Trust’s Virtual Webinar Series (Risk Management Roundtables, Telehealth Community Chats, We Hold These Truths) and become eligible for a 15% savings on your Trust Sponsored Professional Liability Insurance premium for two consecutive renewal periods. You can also combine 4 or more CE credit hours earned from The Trust’s webinars or any other continuing education programs authorized by APA to offer CE credit and become eligible for a 5% savings on your Trust Sponsored Professional Liability Insurance premium for one renewal. To obtain CE discounts, download and submit CE certificates (totaling 4 or 6 hours as explained above and completed within the previous 15 months) with your insurance application/renewal. Discounts are not applicable to Researcher/Academician or Student policies. Group policies become eligible for CE discounts when at least 50% of individuals insured under the group policy submit CE certification totaling the number of credits needed for a particular percentage discount. All applications are individually underwritten and submission of CE certification will not guarantee insurance policy issuance or renewal. Continuing Education Credits The Trust is approved by the American Psychological Association to sponsor continuing education for psychologists. The Trust maintains responsibility for this program and its content. The Trust is recognized by the New York State Education Department’s State Board for Psychology as an approved provider of continuing education for licensed psychologists #PSY-0019. Continuing Education Grievance Policy The Trust is fully committed to conducting all activities in strict conformance with the American Psychological Association's Ethical Principles of Psychologists. The Trust will comply with all legal and ethical guidelines for non-discrimination in promotional activities, program content and in the treatment of CE participants. The Trust CE Director is responsible for complying with these standards. While the Trust strives to assure fair treatment for all participants and to anticipate problems before they occur, occasionally grievances may be filed. In cases where a participant files a written or oral grievance, the following actions are taken: If the grievance concerns the content of the workshop, webinar, book or the continuing education test, a Trust representative will mediate and will be the final arbitrator. If the participant requests action, the CE Director or a Trust representative will either provide a credit for a subsequent CE offering or provide a partial or full refund of the CE fee already paid. Actions involving a credit or a refund will require a written note documenting the grievance for record-keeping purposes. The aggrieved individual need not sign the note. If the grievance specifically concerns The Trust, the CE Director or Trust representative will attempt to arbitrate. Direct correspondence to: Continuing Education The Trust 111 Rockville Pike, Suite 700 Rockville, MD 20850 Phone: (800) 477-1200 Email: grievances@trustinsurance.com NOTE: This information is provided as a risk management resource and is not legal advice or an individualized personal consultation. At the time this resource was prepared, all information was as current and accurate as possible; however, regulations, laws, or prevailing professional practice standards may have changed since the posting or recording of this resource. Accordingly, it is your responsibility to confirm whether regulatory or legal issues that are relevant to you have since been updated and/or to consult with your professional advisors or legal counsel for timely guidance specific to your situation. As with all professional use of material, please explicitly cite The Trust Companies as the source if you reproduce or distribute any portion of these resources. Reproduction or distribution of this resource without the express written permission of The Trust Companies is strictly prohibited. Read more

Together, participants will work to see the risk management implications of specific situations and choices, scrutinize options for resolution, and foster a tolerance for ambiguity and the understanding that there may be no single ideal solution to each challenge. We will also discuss strategies for effective risk management and good patient care when regulations and requirements are unclear. Featuring: Leisl Bryant, Ph.D., ABPP; Joe Scroppo, Ph.D., J.D.; Jeffrey N. Younggren, Ph.D., ABPP [Note] This webinar was filmed on December 09, 2021, and may not reflect the most current information and laws regarding this topic. Objectives - Roundtable #15 Participants will apply current APA Ethical Principles and Standards to real-life scenarios. Participants will distinguish between ethical, professional practice (clinical and moral issues), risk management, or legal concerns. Participants will discuss, consult and review specific dilemmas that are arising in clinical practice as the result of the national emergency and share potential resolutions. Participants will gain an increased awareness of the risk management and ethical situations emerging in mental health practice at this time. Important Notice Because this webinar is on-demand, once you are registered and have created a login account, you can view the webinar at any time in whatever time increments are most convenient. In order to download your CE certificate, receive CE credits, and become eligible for a discount on your Trust Sponsored Professional Liability Insurance policy premium, you must: Complete the entire webinar, Pass a brief exam, and, Complete a brief evaluation form. You are required to achieve a passing score of 75 percent or higher. You are allowed three attempts to successfully complete the exam. If you are unsuccessful on the third attempt, you must re-purchase the course to try again. Eligibility for Insurance Premium Discounts Unless otherwise noted, you can combine 6 or more CE credit hours earned from The Trust’s Virtual Webinar Series (Risk Management Roundtables, Telehealth Community Chats, We Hold These Truths) and become eligible for a 15% savings on your Trust Sponsored Professional Liability Insurance premium for two consecutive renewal periods. You can also combine 4 or more CE credit hours earned from The Trust’s webinars or any other continuing education programs authorized by APA to offer CE credit and become eligible for a 5% savings on your Trust Sponsored Professional Liability Insurance premium for one renewal. To obtain CE discounts, download and submit CE certificates (totaling 4 or 6 hours as explained above and completed within the previous 15 months) with your insurance application/renewal. Discounts are not applicable to Researcher/Academician or Student policies. Group policies become eligible for CE discounts when at least 50% of individuals insured under the group policy submit CE certification totaling the number of credits needed for a particular percentage discount. All applications are individually underwritten and submission of CE certification will not guarantee insurance policy issuance or renewal. Continuing Education Credits The Trust is approved by the American Psychological Association to sponsor continuing education for psychologists. The Trust maintains responsibility for this program and its content. The Trust is recognized by the New York State Education Department’s State Board for Psychology as an approved provider of continuing education for licensed psychologists #PSY-0019. Continuing Education Grievance Policy The Trust is fully committed to conducting all activities in strict conformance with the American Psychological Association's Ethical Principles of Psychologists. The Trust will comply with all legal and ethical guidelines for non-discrimination in promotional activities, program content and in the treatment of CE participants. The Trust CE Director is responsible for complying with these standards. While the Trust strives to assure fair treatment for all participants and to anticipate problems before they occur, occasionally grievances may be filed. In cases where a participant files a written or oral grievance, the following actions are taken: If the grievance concerns the content of the workshop, webinar, book or the continuing education test, a Trust representative will mediate and will be the final arbitrator. If the participant requests action, the CE Director or a Trust representative will either provide a credit for a subsequent CE offering or provide a partial or full refund of the CE fee already paid. Actions involving a credit or a refund will require a written note documenting the grievance for record-keeping purposes. The aggrieved individual need not sign the note. If the grievance specifically concerns The Trust, the CE Director or Trust representative will attempt to arbitrate. Direct correspondence to: Continuing Education The Trust 111 Rockville Pike, Suite 700 Rockville, MD 20850 Phone: (800) 477-1200 Email: grievances@trustinsurance.com NOTE: This information is provided as a risk management resource and is not legal advice or an individualized personal consultation. At the time this resource was prepared, all information was as current and accurate as possible; however, regulations, laws, or prevailing professional practice standards may have changed since the posting or recording of this resource. Accordingly, it is your responsibility to confirm whether regulatory or legal issues that are relevant to you have since been updated and/or to consult with your professional advisors or legal counsel for timely guidance specific to your situation. As with all professional use of material, please explicitly cite The Trust Companies as the source if you reproduce or distribute any portion of these resources. Reproduction or distribution of this resource without the express written permission of The Trust Companies is strictly prohibited. Read more