• 제목/요약/키워드: compensation insurance

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Can Angular Deformity Due to Sacrococcygeal Fracture Cause Permanent Impairment? : Current State and Problems in Korea

  • Cho, Dosang
    • Journal of Korean Neurosurgical Society
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    • 제65권2호
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    • pp.173-179
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    • 2022
  • Disabilities can emerge due to traumatic spinal fractures. In terms of sacrococcygeal spine, because of its unique anatomic structure with minimal movement, the possibility for it to have a disability is relatively low. In Korea, unlike most disability criteria, private insurance companies acknowledge angular deformities caused by vertebral fractures as disabilities according to their degree, so there were several cases where patients required compensation, arguing angular deformity caused by sacrococcygeal fracture, which in some cases led to legal conflicts. Except the Act Welfare of Persons with Disabilities which recognizes only severe angular deformity affecting internal organs as disability and the industrial accident disability evaluation which does not recognize coccygeal fracture as disability but rarely recognizes sacral vertebra deformity equivalent to compressive deformation, there is little or no case where angular deformity is recognized as disability. Given the impairment evaluation standards in social insurance, McBride system, American Medical Association (AMA) guides, and newly proposed standards by the Korean Academy of Medical Sciences (KAMS), the most contentious point in the general terms and conditions of private insurance is spinal deformity. To overcome controversy over disability evaluation, the private insurance sector is now applying criteria for axial skeleton to sacrococcygeal vertebrae through revision of standards. Under these circumstances, it is fair to recognize sacrococcygeal fracture as impairment in terms of the pelvis only when the fracture leaves serious deformity and neurological symptoms with clear relevancy. Though it may not be easy to develop accurate disability evaluation standards, improvement is necessary to remove any irrationalities and make the standards as objective as possible.

산재환자의 진료비 본인부담 발생 및 크기와 이에 영향을 미치는 요인 (Incidence and magnitude of out-of-pocket payment and factors influencing them in Industrial Accident Compensation Insurance)

  • 박보현;이태진;임화영
    • 보건행정학회지
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    • 제20권1호
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    • pp.103-124
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    • 2010
  • 산재보험의 목표는 업무상 재해 및 질병으로 인한 수입상실에 대한 실질적 보상이 이루어지도록 하는 데 있으나 실제 산재환자들이 요양급여를 제공받는 과정에서 환자본인부담을 지불해오고 있었다. 그럼에도 불구하고 이제까지 산재환자의 본인부담에 대해서는 주의를 기울이지 못하였다. 따라서 본 연구에서는 산재환자 본인부담 발생률 및 본인부담률에 어떤 요인이 영향을 미치는지 파악하고자 하였다. 본 연구는 2009년 5월 퇴원 또는 외래방문 환자 중 의료기관 종별과 지역의 도시화정도를 고려하여 추출된 총 204개(양방 187개 치과, 한방 17개) 의료기관을 대상으로 조사하였다. 회수율이 57.8%(양방 57.2%, 치과, 한방 64.7%)로 총 24,826건(입원 2,457건, 외래 22,369건)이 분석에 이용되었다. 분석결과 본인부담의 발생률은 9.9%였고 본인부담률은 전체건 중에서는 3.5%, 본인부담 발생건 중에서는 8.3%로 나타났다. 본인부담률은 의료기관 종별로 차이를 보였다(산재의료원 : 전체건 0.5%, 본인부담 발생건 2.5%, 종합병원 : 전체건 4.4%, 본인부담 발생건 9.5%, 한방 : 전체건 24.4%, 본인부담 발생건 25.2%). 다수준 분석결과 본인부담의 발생은 주로 종합병원급 이상의 규모가 큰 의료기관과 서울 등 대도시에 소재한 의료기관에서 주도되는 경향을 보였고, 환자의 입원일수가 증가함에 따라 본인부담의 발생이 증가하는 것으로 나타났다. 종합병원급 의료기관에서 발생한 본인부담은 주로 입원료와 선택진료료의 비중이 큰 것으로 나타났다. 따라서 대도시에 소재한 규모가 큰 의료 기관을 우선으로 하여 본인부담 발생률 및 본인부담률을 줄이기 위한 대책이 마련되어야 한다.

수협 어선원 재해보상보험 자료를 이용한 연안선망어업 위험요인 분석 (Analysis of risk factors of the fisherman's in coastal purse seine fishery using the accident compensation insurance proceeds payment data of NFFC)

  • 최규석;이춘우;박수봉;장용석;이유원
    • 수산해양기술연구
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    • 제56권4호
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    • pp.340-346
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    • 2020
  • In this study, the risk factors of coastal purse seine fisherman were analyzed through a survey of fishery workers of coastal purse seine fishery and the accident compensation insurance data of the fisheries workers of the National Federation of Fisheries Cooperatives (NFFC). The classified fishing operation accident data was analyzed through 4M (Man, Machine, Media, Management) model of the National Transportation Safety Board (NTSB) and the accident prevention measures were presented using Harvey's 3E (Engineering, Education, Enforcement) model. The rate of accidents on coastal purse seinens each year was 75.8‰, 36.7‰ and 74.8‰ from 2015 to 2017. The accident frequency resulting from slipping was the highest, and the risk of a contact with gear was low. When comparing each insurance data, the average value of the contact with gear accident was the highest. This research result is expected to be important data in identifying and preventing safety hazards of coastal purse seiner fisherman in the future.

2006년 해사노동협약상 선원 사회보장에 관한 연구 (A Study on the Social Security for Seafarers of Maritime Labour Convention, 2006)

  • 지상원
    • 한국항해항만학회지
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    • 제32권3호
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    • pp.237-244
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    • 2008
  • 국제노동기구는 2006년 2월23일 해사노동기준에 관하여 그 동안의 협약 및 권고를 가능한 한 최신화 하고 모든 기준을 통합하여 단일의 문서로 된 해사노동협약을 채택하였다. 이 협약은 제4편 규정 제4.5조에 선원에게 적용되는 사회보장에 관하여 규정하고 있다. 규정 제4.1조 선내 및 육상에서의 의료관리, 규정 제4.2조 선박소유자의 책임에 관한 조항도 사회보장과 관련되어 있다. 우리나라가 이 협약을 비준하기 위하여서는, 우선 먼저 국내 관련법령이 협약상 선원 사회보장 요건을 충족할 수 있는지를 검토하고, 불충분한 부분에 대하여는 이를 정비할 필요가 있다. 따라서 이 연구에서는 협약상 선원의 사회보장에 관한 요건을 수용할 수 있도록 현행 국내 관련 법령과 협약 사이의 차이점을 밝히고, 이 과정에서 도출된 문제점에 관하여 그 해결 방안을 제시하고자 한다.

산재경험 고령자의 경제적 노후준비에 관한 연구: 앤더슨 모형을 중심으로 (Factors Determining the Economic Preparation for Later Life of the Elderly with Industrial Injury: Based on Andersen Behavioral Model of Health Care Utilization)

  • 문용필;원서진
    • 한국콘텐츠학회논문지
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    • 제15권8호
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    • pp.313-325
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    • 2015
  • 본 연구는 산재경험 고령자의 경제적 노후준비에 영향을 미치는 요인을 앤더슨모형을 적용하여 분석하고, 과거 산재당시 종사상지위에 따라 정규직 근로자와 비정규직 근로자로 구분해 경제적 노후준비의 영향요인을 분석하고자 하였다. 이를 위해 산재보험패널조사(PSWCI)의 1차년도 자료를 이용하여 로지스틱 회귀분석을 실시하였다. 연구결과, 선행요인에서는 학력이 높고 정규직인 근로자가 비정규직인 여성 근로자에 비해 경제적 노후준비 가능성이 높게 나타났다. 자원요인에서는 정규직, 비정규직 근로자 모두 근로소득이 많을수록 노후준비 가능성이 높게 나타났으나, 국민연금 가입여부는 경제적 노후준비에 도움을 주지못하였다. 비정규직 근로자에게는 건강보험 가입이 경제적 노후준비에 영향을 미치고 있었다. 욕구요인에서는 정규직과 비정규직 근로자 모두 산업재해로 인한 통증이 일상 및 삶을 방해하는 정도가 높을수록 경제적 노후준비에 취약함을 확인하였다. 이러한 연구결과를 토대로 하여 정책적 함의를 제시하였다.

로마조약의 개정과 국내입법의 필요성에 관한 소고 (Some Consideration on the Study of ICAO for the Rome Convention Amendment and the Necessity of Domestic Legislation)

  • 김선이;권민희
    • 항공우주정책ㆍ법학회지
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    • 제23권1호
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    • pp.3-32
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    • 2008
  • In proportion to recent developments in aviation technology and growth of the air transport market, the risk of damages to third parties caused by aircrafts and the likelihood of unlawful interference on an aircraft in flight has grown larger. The war risk insurance market was paralyzed by the 9/11 terror event. And if another event on the scale of 9/11 occurs, compensations for third party damages will be impossible. Recognizing the need to modernize the existing legal framework and the absence of a globally accepted authority that deals with third party liability and compensation for catastrophic damage caused by acts of unlawful interference, the ICAO and various countries have discussed a liability and compensation system that can protect both third party victims and the aviation industry for the 7 years. In conclusion, in order to provide adequate protection for victims and the appropriate protection for air transport systems including air carriers, work on modernizing the Rome Convention should be continued and the new Convention should be finalized in the near future. Korea has not ratified the relevant international treaties, i.e. Rome Convention 1933, 1952 and 1978, and has no local laws which regulate the damage caused by aircraft to third parties on land. Consequently, it has to depend on the domestic civil tort laws. Most of the advanced countries in aviation such as the United States, England, Germany, France and even China, have incorporated the International Conventions to their national air law and governed carriers third party liability within their jurisdiction. The Ministry of Justice organized the Special Enactment Committee for Air Transport chapter under Commercial Law. The Air Transport chapter, which currently includes third party liability, is in the process of instituting new legislation. In conclusion, to settle such problems through local law, it is necessary to enact as soon as possible domestic legislation on the civil liability of the air carrier which has been connected with third party liability and aviation insurance.

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조직의 엔트로피식 처방에 대한 시스템 사고 분석: 산업재해 신속보상을 중심으로 (System Thinking Analysis on The Organizational Entropic Measures: Focusing on Workers' Speedy Compensation)

  • 양정호
    • 한국시스템다이내믹스연구
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    • 제14권4호
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    • pp.63-89
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    • 2013
  • The purpose of this paper is to explain the entropic measures could cause the organization to increase the entropy. The organization as an open system has a tendency to input new energy to adapt itself to the change in its surroundings. This intention of inputting energy into organization is based on the second law of thermodynamics, the laws of entropy.Entropy is a measure of disorder, or a measure of progressing towards thermodynamic equilibrium. The entropy of an isolated system increases. Organizations have to open to their environment, have to do something to reduce their entropy. But, this attempt to reduce entropy entails another entropy. This study shows the side effects by giving examples of illegal receipt of worker's compensation insurance. The implications through the cases of illegal receipt of workers' compensation are as follows. Firstly, organizational policy is that inaction in itself may be the best policy, unless we always think the action best. Secondly, public organization should be careful in substituting business management in the private sector such as customer satisfaction(CS) for the value in public sector. Thirdly, the setting the expiration date of organizational policy could be the way to slow down the degree of entropy.

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한의원의 한방물리요법 이용 현황과 건강보험 급여화에 대한 인식 (The Utilization of Physical Therapies in the Korean Medicine Clinics : A Survey for National Health Insurance Planning)

  • 신미숙;신병철;이명종;김호준;송윤경;송미연;신승우;임병묵
    • 한방재활의학과학회지
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    • 제19권3호
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    • pp.101-109
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    • 2009
  • Objectives : This study aimed to investigate the present status of physical therapies provided in the Korean medicine clinics, and to find out the priorities among and the estimated fees of physical therapies for the National Health Insurance plan. Methods : We administered nationwide survey to Korean medicine doctors using the on-line survey system. 16 physical therapies were listed in the Web-based questionnaires, and responders were asked to mark the therapies they used for their patients, and, for each therapy they marked, to fill in the form including the frequencies of service, service fees, target diseases, and priorities for health insurance coverage, etc. Results : Of 488 respondents, 93.7% provide more than one physical therapy for their patients, and each responder uses 5.9 physical therapies on average. 60-90% of physical therapies are being given to patients for free because they are not covered by the National Health Insurance. There is little evidence that the specialties of Korean medicine doctors are related with the use of physical therapies, but, in some therapies, the doctors with longer career years use the physical therapy more frequently. Most physical therapies are applied to the patients with musculoskeletal diseases, cardiovascular diseases, and nervous diseases, etc. Conclusions : Physical therapies are widely used among Korean medicine doctors without proper compensation. This could be the one of the main factors distorting the profit structure of Korean medicine clinics, and it encourages the National Health Insurance to cover physical therapies provided in the Korean medicine clinics.

우리나라 손상의 사회경제적 비용 (The Socioeconomic Cost of Injuries in South Korea)

  • 박건희;이진석;김윤;김용익;김재용
    • Journal of Preventive Medicine and Public Health
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    • 제42권1호
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    • pp.5-11
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    • 2009
  • Objectives : This study was conducted to estimate the socioeconomic cost of injuries in South Korea. Methods : We matched claims data from national health insurance, automobile insurance and industrial accident compensation insurance(IACI), and mortality data obtained from the national statistical office from 2001 to 2003 by patients unique identifier. Socioeconomic cost included both direct cost and indirect cost: the direct cost was injury-related medical expenditure and the indirect cost included loss of productivity due to healthcare utilization and premature death. Results : The socioeconomic cost of injuries in Korea was approximately 1.9% of the GDP from 2001 to 2003. That is, 12.1 trillion KRW(Korean Won) in 2001, 12.3 trillion KRW in 2002, and 13.7 trillion KRW in 2003. In 2003, direct medical costs were 24.6%(3.4 trillion KRW), the costs for loss of productivity by healthcare utilization were 13.0%(1.8 trillion KRW), and the costs for loss of productivity by premature death were 62.4%(8.6 trillion KRW). Conclusions : In this study, the socioeconomic cost of injuries in Korea between 2001 and 2003 was estimated by using not only health insurance claims data, but also automobile insurance, IACI claims and mortality data. We conclude that social efforts are required to reduce the socioeconomic cost of injuries in Korea, which represented approximately 1.9% of the GDP for the time period specified.

COVID-19 시기 지역사회 구강건강과 치과 치료 및 보험 인식에 관한 연구 (A Study on Oral Health, Dental Care and Insurance Awareness in the Community During the COVID-19 Period)

  • 손은교;박일순
    • 디지털융복합연구
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    • 제20권5호
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    • pp.643-651
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    • 2022
  • 본 연구는 강원도 일개 지역 치과의원에 내원한 환자를 대상으로 2021년 9월 1일부터 10월 29일까지 COVID-19 시기 지역사회 구강건강과 치과 치료 및 보험 인식을 알아보기 위해 시행되었다. 분석에는 SPSS Statistics 24.0 프로그램을 사용하였다. 분석 결과 구강건강 상태, 구강건강 관심, 건강보험 확대 인식은 COVID-19 시기의 치과치료에 영향을 미치는 것으로 나타났다. 또한, 구강보건 교육을 받지 않은 경우, 학력이 고졸 이하인 경우, 구강 상태가 안 좋은 경우 COVID-19 시기의 치과 치료에 긍정적으로 나타났다. 결론적으로, 구강보건 교육의 확대 홍보와 건강보험 감염관리 수가와 별도 보상 재료의 등재가 필요하다. 향후 연구에서는 다양한 대상을 통한 연구와 보험 확대 부분을 세부적으로 한 연구가 필요하다고 생각한다.