Dementia Behavior: A Risk Management Perspective

As insurance advisors in the healthcare space, we’re often called in after an incident: a resident falls, a family files a complaint, or a staff member is injured trying to de-escalate a behavioral episode. But what if we could shift the focus from reaction to prevention?

That’s what we discussed in a recent webinar on dementia and behavior, and it’s something every senior care provider should take seriously.

Behavior Is Communication

When a resident with dementia shouts, lashes out, or refuses care, it may look like a behavioral problem. But often, it's a communication problem. Dementia affects how the brain works and, as a result, how a person responds to the world. What we see as aggression may be a resident expressing pain, fear, or frustration the only way they can.

If we miss these cues, we risk more than just a tough day. We risk:

• Injury to staff or other residents
• Family dissatisfaction or complaints
• Survey citations
• Increased liability exposure

Identifying and Managing Triggers

The good news is that many behavioral risks are preventable. The key is recognizing "triggers" that lead to episodes. These can be internal (hunger, pain, or loneliness) or external (loud noises, room temperature, or caregiver changes).

Understanding these triggers lets providers adjust the environment and care approach before problems arise.

Why This Matters for Insurance

Dementia-related behavior is a growing challenge in senior care. If left unaddressed, it can lead to:

• Higher workers' comp claims
• Increased general and professional liability exposure
• Greater staff turnover (and higher rehiring/training costs)
• Regulatory scrutiny or financial penalties

A proactive approach rooted in trauma-informed care and a solid communication strategy can reduce risk, protect staff, and improve quality outcomes.

Next Steps

If you're a facility leader, clinical director, or risk manager:

Watch the full webinar replay for practical insights on understanding and managing dementia-related behaviors.

Contact our team to review your risk management strategy, staff training programs, or insurance coverage related to behavioral health and dementia care.

Let’s work together to turn insight into prevention and make care safer for everyone.