[Revision of the law on insurance for certain occupational diseases].
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Admission of the insurance qualifying occupational skin disease (No. 5101 of Schedule 1 of the Occupational Disease Regulations = BeKV) has as its pre-requisite the availability of the medical evidence. The beginning of the period qualifying for insurance benefit shall be determined retrospectively. A hazardous activity appertains even if only a minor portion of the field of activity is the cause of the disease. Qualifying for insurance benefits requires that this activity shall have been finally given up and that the same or other hazardous activities are avoided in the future. This prognosis must have a good measure of probability. Otherwise, if the insured acts in bad faith, a pension may be withheld; if the insured acted in good faith a worsening of a syndrome by the hazardous activity (whether carried on as occupation or on one's own behalf) is not compensated for. The insurance qualifying date, furthermore, is dependent on the necessity for first-time medical treatment, medicines or therapeutic agents, or the incapacity for work, or the arising of a pension-qualifying reduction in earning power.
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Disablement is a measure indicating how the individual manages or does not manage to cope with the tasks life presents. Different concepts of disablement are applied: Tabular disablement is used to measure the physical resources needed by the individual to undertake an unspecified register of tasks. Medical disablement is a measure of the aggregate resources (physical, mental and social) needed by the individual to undertake an unspecified register of tasks. Occupational disablement is a measure of the aggregate resources needed by the individual to carry out his previous occupation. Economic disablement is a measure of the aggregate resources needed by the individual to carry out some kind of work for which he is fit. Social disablement is a measure of the aggregate resources needed by the individual to maintain contact with other people. The tabular and medical concepts of disablement are used in connection with compensation for non-pecuniary loss. Insurance companies and administrative bodies, when determining the amount of compensation for such losses, lay most of the emphasis on tabular disablement (accident insurance and industrial injury compensation). The courts, when assessing the compensation, attach the main weight to the concept of medical disablement (compensation for non-pecuniary loss). The insurance companies and the administrative bodies have a system that is quite easy to operate, whereas the courts have a system leaving considerable room for discretion. The concepts of occupational and the economic disablement are used when granting compensation for loss of income.(ABSTRACT TRUNCATED AT 250 WORDS)
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In 1983, Nationwide Insurance Company increased compensation payments for its clients injured or killed in a motor vehicle crash while using a seat belt. A survey of belt use was undertaken in the month after all those so insured had been informed of the change. Belt use by drivers insured by Nationwide was not significantly different from that of drivers insured by other companies. The incentive appears to have had no apparent effect on belt use.
BACKGROUND: Pediatric femur fractures are common injuries necessitating immediate application of spica cast or surgical stabilization. Currently, neither conservative nor operative fixation shows superior results; nevertheless, operative intervention has become more common lately. The current study retrospectively investigates short term results of immediate spica cast application, as well as the economic consequences of this treatment. METHODS: All cases of pediatric (6 months - 6 years) femur fractures treated in a single medium-sized hospital during 3 years were reviewed. Characteristics of fracture treatment and economical aspects were analyzed. RESULTS: Twenty four patients (17 boys and 7 girls, mean age 2.5 years, range 9 months to 5.5 years), were treated during the study period by immediate closed reduction and spica cast application. Eleven patients were also treated for medical reasons. All cases achieved acceptable alignment and shortening after cast removal. Two patients were re-admitted to the hospital Emergency Room but no changes in treatment were needed, one patient needed re-reduction. Mean hospital stay was 2.75 days. Calculated cost of such treatment is estimated to be almost equal to the compensation given by insurance companies (based on hospital stay in Israel). CONCLUSIONS: Immediate application of spica cast for pediatric femur fractures, achieves its goals of appropriate fracture-alignment and acceptable complication rates. The authors believe that the compensation should be procedure-based and not hospital-stay based, in a way that will encourage higher efficacy of medical treatment and shortened hospital stay.
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There have been a number of attempts, particularly in the last five decades to understand the origins of pain in terms of psychological or psychosomatic patterns. These include psychoanalytic explanations relying on hysterical mechanisms, and psychophysiological proposals. The occurrence of pain in the course of psychiatric illness and its remission after the illness, has long been known and is not a controversial issue. However, the reported explanations of pain without overt and obvious prior psychiatric illness have largely failed to convince a significant portion of the professional establishment. These explanations have very often coincided with the interests of insurance companies, whether those insurance companies were providing medical benefits, disability insurance or workers' or accident compensation. Critical examination of the evidence generated by insurance company related research indicates profound weaknesses in it.