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PubMed1995

[Insurance for work-related accidents and occupational diseases].

According to Article 51 of the Health Insurance Law, a new class of compulsory insurance - employer's compulsory health insurance - should be used in practice. In applying this article of the Law, the employer is bound to provide sources for all medical and other care needed by the insured in the case of an accident at work or an occupational disease. The employer is obliged to reinsure that class of risk with the insurance companies that idemnity the costs of medical treatment if these costs incur as a consequence of the insured risk (accident at work or occupational disease). The Croatian Institute for the Health Insurance is intermediary between various medical care units, employers and insurance companies. On the examples of four different cases the paper aims at demonstrating the need for quick and efficacious collection of both insurance and medical documentation, the need for professional assessment of that documentation, and the need for closer cooperation between medical experts working with insurance companies and medical supervisors working with the Croatian Institute for Health Insurance.

Accidents, Occupational↗
PubMedDate not supplied

TMJ syndrome: is it compensable?

Temporomandibular joint (TMJ) syndrome has only recently surfaced as a workers' compensation or auto accident claim in the insurance industry. It usually appears as a secondary problem to cervical injuries. Further research is needed to establish guidelines for determining whether TMJ syndrome is compensable, but a survey of healthcare practitioners who deal with TMJ--such as the one described in this article--can help in making a determination until guidelines are established. In early 1990, the American Academy of Craniomandibular Disorders and the American Dental Association published guidelines; however, these guidelines address only diagnosis and treatment (Independent Medical and Dental Consultants, Inc., 1990). Further information is needed concerning TMJ's causes and whether the condition should be compensated. Sixty survey questionnaires were sent out to dentists and oral surgeons to identify causes of TMJ, symptoms, diagnostic methods, and treatment. The primary question for which the survey sought an answer was how to judge whether a person with a cervical injury complicated by TMJ syndrome should be compensated for TMJ problems. The remaining questions and answers concerned the medical management of patients with TMJ syndrome.

Health Planning Guidelines↗
PubMed2006

Secondary individual prevention of occupational skin diseases in health care workers, cleaners and kitchen employees: aims, experiences and descriptive results.

OBJECTIVES: Due to increased occupational dermatoses in certain professions such as health care workers (HCW), cleaning and kitchen employees (CKE), measures of prevention and skin protection are of high significance. Skin protection courses focus on educational aims (e.g. improving skin care habits, influencing the participants' attitudes towards health) and medical aims (e.g. optimising diagnostic procedures, complementing individual therapy). METHODS: Participants are patients who have been suspected to suffer from an occupational skin disease and are insured with the German Accident Prevention & Insurance Association (BGW). Teaching units of the skin protection courses focus on basics of skin functioning and important aspects of occupational skin diseases. Practical parts include information and instructions about the correct implementation of skin protection, skin care and skin cleansing. Every participant is seen by a dermatologist obtaining a precise patient's history and performing a skin examination. All this results in working out individually adapted and professional skin protection strategies. RESULTS: In total, 791 participants (93 men and 698 women) completed the skin protections courses. Six hundred and sixty-seven patients (mean age: 36.9 years, SD = 11.6) were HCW and 124 patients (mean age: 40.4 years, SD = 10.8) were CKE. In HCW 82.5% (n = 550) and in CKE 86.3% (n = 107) suffered from hand eczema of the atopic, irritant or allergic type. Irritant contact dermatitis as a single diagnosis was the most frequent one in both groups (HCW: 34.5.%, n = 230; CKE: 49.2% n = 61). According to regularly performed evaluations, the participants rated the course as good to excellent. Nearly 80% of the participants had skin lesions while attending the course, in 27% the dermatosis was severe. CONCLUSIONS: There is a high need for health education, advisory services, diagnostics and additional therapy in occupational dermatology. Prevention of occupational skin diseases and maintenance of health through educational programmes are important complementary measures for dermatological care but still missing in endangered professions.

Adult↗
PubMed1975

The ophthalmologist's office: planning and practice. Property and casualty insurance.

This chapter is primarily an overview of the physician's need for insurance; of necessity, it is not a detailed examination. Each individual physician should review personal insurance needs thoroughly with a reputable insurance agent, handling property and casualty insurance, and a life insurance agent with respect to need for life insurance and accident, sickness, and medical insurance. As mentioned earlier in this chapter, an attorney should review any lease for office space or any lease that the physician might have with tenants of a building that he or she owns. The attorney can advise as to one's liability exposure, and the professional insurance agent then can provide the necessary insurance program to cover exposure to that risk. One final comment. Insurance policies are imortant papers: They should always be protected.

Insurance↗
PubMed2006

Educational and dermatological aspects of secondary individual prevention in healthcare workers.

Healthcare workers (HCW) have an increased risk of suffering from occupational skin diseases (OSDs). Therefore, we established special prevention and skin protection courses for HCW. Medical aims are to optimize diagnostic procedures and individual therapy, educational aims are to improve individual skin protection/skin care habits of the patient and also to influence the participants' attitudes towards health. Participants are patients that have been suspected to suffer from an OSD and are insured with the German Accident Prevention Insurance Association for Health Care Workers (BGW). Teaching units mainly focus on the texture and functioning of the skin, general aspects of OSDs, general information concerning skin protection, instructions about the correct use of skin cleansing and skin protection products. Besides, every participant is clinically examined by a dermatologist and a precise patient's history is obtained. Individually adapted skin protection strategies are developed. Patients can ask the dermatologist questions in confidence. 504 patients (mean age: 36.9 years, SD = 11.7) participated in the skin protection courses. 94.6% (n = 477) suffered from hand eczema frequently caused by a mixture of atopic, irritant and allergic contact dermatitis, but irritant contact dermatitis was the most frequent diagnosis (55.4%, n = 279). The participants rated the course as good to excellent. Health education and advisory services in occupational dermatology are still fragmentary. Prevention of OSD and maintenance of health through education are important complementary measures for dermatological care. In the future, similar educational programmes should be offered for employees of other professions with an increased risk for OSD.

Adult↗
PubMed1999

Evaluating Tackling Rugby Injury: the pilot phase for monitoring injury.

OBJECTIVE: To assess the suitability of two previously unused data sources for monitoring rugby injury throughout New Zealand. METHOD: Interviews were conducted with respondents sampled from players registered with the Rugby Football Unions (RFUs) and players claiming for rugby injuries from the Accident Rehabilitation and Compensation Insurance Corporation (ACC) in Auckland and Dunedin. RESULTS: Of the 500 RFU players sampled, 63% were interviewed and of these 39 (12%) had been injured playing rugby union. Of the 456 ACC claimants sampled, 66% were interviewed and 265 (88%) had been injured playing rugby union. CONCLUSION: Identifying injured players through ACC claims was more efficient, both procedurally and because a smaller sample size was required to detect changes in incidence. IMPLICATIONS: With no routine surveillance of sports injury being undertaken, recording sporting codes in national injury surveillance systems would assist the monitoring of sports injury.

Adolescent↗