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At least 235 records · Page 13Linked to original sources
PubMed1986

Chemonucleolysis versus surgical discectomy. Comparison of costs and results in workers' compensation claimants.

A retrospective review of insurance claim files was conducted to compare the costs of chemonucleolysis with surgical discectomy. Twenty-nine surgeons performed 61 chemonucleolysis procedures and 44 surgical discectomies on SAIF (State Accident Insurance Fund, Inc.--a major Oregon workers' compensation insurance company) claimants between December 1982 and April 1984. Clinical data and treatment costs were tabulated during February 1985. In this population of 105 workers' compensation claimants, the average cost/claim of the workers treated by chemonucleolysis was higher than the average cost/claim of workers treated initially by surgical discectomy. The average cost/claim was somewhat lower in successful chemonucleolysis cass than in successful surgical discectomy cases, but the average cost/claim of unsuccessful chemonucleolysis cases was much higher than unsuccessful surgical discectomy cases. In order for chemonucleolysis to be a cost effective method compared to initial surgical discectomy, it would be necessary to attain a much higher chemonucleolysis success rate than observed in this group of patients.

Adult↗
PubMed2007

[Compensation for tinnitus in private accident insurance].

According to the provisions of private accident insurance, mental or psychic reactions are excluded from compensation. Until now, tinnitus was taken as fully psychic and therefore excluded. In two recently published judgments of the Federal Supreme Court in Germany the assessment of tinnitus in private accident insurance and particularly the exclusion clause section sign 2 Abs. 4 AUB 88 has been newly defined. According to this actual jurisdiction the compensation of tinnitus could be possible, when as physical underlying reason a proved harm in the inner ear or the auditory pathway (hearing loss), which can be traced back to the accident according to the rules of causality. This leads to the question how Tinnitus could be compensated without modification of the general terms and conditions of the private accident insurance. A compensating table is proposed, which recognizes the somatic (physical) part of tinnitus and is based on medical and scientific findings of the relation between hearing loss and tinnitus.

Disability Evaluation↗
PubMed1997

Cash benefits for short-term sickness, 1970-94.

This note has reviewed the extent of protection of workers against income loss during the first 6 months of illness or injury. National income loss in 1994 was $81.1 billion, of which $49.4 billion (60.9 percent) was replaced by income-protection programs, including sick leave, group insurance, temporary disability insurance under statutory State provisions, individual insurance, workers' compensation, and (during the 6th month) the Social Security Disability Insurance program. In 1994, wage and salary workers in the private sector lost $55.2 billion because of nonoccupational illnesses or injuries, of which $19.0 billion (34.5 percent) was replaced. Wage replacement rates are higher for full-time professional and technical employees with longevity in large or medium firms, and especially public employees. The lowest level of coverage is given to part-time employees with limited seniority who work in production and related areas in small, private firms. Approximately 70 percent of wage and salary workers in the private sector have some protection through their employment against earnings losses caused by short-term illness. Forty-four percent of these workers have short-term disability insurance,and only half have sick-leave coverage.

Acute Disease↗
PubMed1986

Loss control and its place in the insurance industry.

The historical development of the insurance industry's role in efforts to prevent industrial accidents and occupational disease will be discussed. The various approaches that have evolved include fire insurance, casuality insurance, and compensation for occupational diseases. The basic approach used in insurance programs involved with occupational disease is to identify the toxic material to which employees are exposed, recommend engineering controls to reduce the exposure, and suggest a medical surveillance program. The insurance industry's efforts in industrial hygiene are also described.

Accident Prevention↗