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[Malingering among workers seeking disability insurance].

OBJECTIVE: Describe the frequency and characteristics of Mexican Social Security workers with malingering disorder that request disability pension. MATERIAL AND METHODS: Comparative survey made among 136 workers seen during 2001, which were divided into three groups: malingering workers (MW), workers without disability (WOD), and workers with disability (WWD). We administered the Z Test for scaled variables and Z2 Test for nominal variables to identify group differences RESULTS: The incidence ofmalingering was of 2.2/100,000 workers. Mean age was 41.9 +/- 10.1 years, 440 was the average number of days of labor disability; 51 (37%) workers were malingerers. 35 (26%) workers were work disabled and 50 (37%) without disability. Malingerers had higher level of schooling compared with WOD and WWD (p < 0.02); most worked at the Social Security (p < 0.05), with lower number of previous jobs (p < 0.05), presented longer work disability (p < 0.05). Depressive symptoms were not frequently noted (p < 0.025) and all had normal electroencephalogram and brain computed tomography studies. CONCLUSIONS: Malingering workers who request work disability pensions follow a particular pattern that differs from other workers that request disability assessment at the Social Security Institute of Mexico.

Adult↗

[Claim review in occupational disability insurance].

In a deregulated market characterised by increasing competitiveness and improved conditions, care in assessing proposals in additional disability benefits will take on an even more significant role. The assessment has to be based on overall analysis of the moral and objective risk. This entails risk assessment of financial, professional, economic and medical factors, and should also include experience gained from the specific area of benefits involved. In terms of getting closer to our clients, the possibilities of limiting risk should be offered to an increasing extent on an individual, transparent and differentiated basis. Despite every effort to exercise caution, the time factor, i.e. the speed required to issue policies, should not be forgotten.

Accidents, Occupational↗

[Developmental trends in application and acceptance of benefits from occupational disability insurance].

The number of contracts being based on disability coverage is increasing for several years. In a certain interval the number of cases in which disability benefits become due is increasing, too. The target of this article is to outline some interesting trends, which will affect the development of that cases, in which benefits will be payable. Besides the trends resulting from existing business (ageing of the existing contracts and conditions at the effective date of the contract) the following subjects be treated: --the alteration in respect of the subjective as well as medical view resp. influence of disability --the development with regard to legal conditions, leading to adaptions and modified interpretations of the provisions.

Disability Evaluation↗