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The Insurance industry is failing the consumer. The concept of fraud is being used by the insurance industry to deceive the public. "Our current national health care system is simple: don't get sick."

Occupational Issues

     
 
     

Main topics can be found within the left column; sub-topics and/or research reports can be found near the bottom of this page.  Thank you

 

"There are many issues involved with occupational exposure and the insurance industry.  One of the most noteworthy is the fact that while there may be information about many of the high risk occupations--there is none about the exposure rates nor infection rates for anyone employed within any area of Law Enforcement concerning infectious diseases.  Governments around the world, if contacted, will tell you that they have no documented evidence of anyone employed in any area of law enforcement that has ever been exposed to or infected by any infectious disease-not even Hepatitis B which has the probability of at least 40% for infection when exposed. 

 

Coverage for Occupational Exposure is based upon the fact that you cannot verify that an infection did occur while employed because you will need to know exactly the time, patient's name, location, and method of transfer.  And that is the center of the problem-how can you verify that exposure did occur when in fact it takes several months to several years to show signs and symptoms of the infection.  During that period of time-you could have become infected on your own time, away from work.  In some areas of the world, if there is an infectious disease that is present within the general population-then there is no coverage for exposure within the work environment." 

 

The insurance industry uses this information to their own advantage, because they will ask-PROVE IT.  And the response is HOW.  There is absolutely no way that anyone can prove at some exact point in time-I became infected.  Because the claimant cannot prove this exact point of infection time and place-the claim is denied and the insurance carrier does not have to pay a claim.  Or their is some type of pre-existing condition that the claimant may have disallowing the same claim.  Cutting these claims helps the insurance carriers maintain their profits at the expense of the employees.

 

There are cases where the claimant had a pre-existing health condition before the time of injury.  The insurance company can claim that because of this condition - the claim is denied.  Because this pre-existing health condition could have led to this accident.

 

Exposure in the work environment for the diseases HIV and Hepatitis: This table will give you the probability of acquiring of these three diseases. However, there are several other infectious disease that are not listed; but just as potentially infectious that can be acquired in the work arena.

Exposure type

HIV

Hepatitis C Virus

HBV

 

infect/exp*

% rate (95% CI)

infect/exp*

% rate (95% CI)

infect/exp*

% rate (95% CI)

Percutaneous

3/2125

0.14 (0.03-0.41)

12/3076

0.39 (0.20-0.68)

0/878

0 (0-0.42)

by hollow-bore needle

2/1434

0.14 (0.02-0.52)

12/1955

0.61 (0.31-1.07)

0/507

0 (0-0.72)

- blood-filled

2/962

0.21 (0.03-0.75)

11/1301

0.85 (0.42-1.51)

0/323

0 (0-1.14)

- non blood-filled

0/344

0 (0-1.07)

1/631

0.16 (0.006-0.88)

0/173

0 (0-2.11)

by other sharp or solid needle

1/470

0.21 (0.06-1.18)

0/987

0 (0-0.37)

0/371

0 (0-0.99)

Mucous contamination

2/468

0.43 (0.05-1.53)

2/557

0.36 (0.04-1.29)

0/181

0 (0-2.02)

Non-intact skin contamination

0/573

0 (0-0.64)

0/473

0 (0-0.78)

0/96

0 (0-3.77)

 

This is a table of frequency rates provided by CDC: Crude Frequency of Potential Sources for Acquiring Viral Hepatitis and Other Characteristics, 1993 (Report Number 56 -- Issued April 1996, Centers for Disease Control and Prevention)

Characteristics

Hep A

Hep B

Non-A, Non-B

Rank

Potential Frequency Sources

Acupuncture

0.5%

0.5%

0.5%

17

0.48%

Blood transfusion

0.4%

1.0%

2.4%

15

1.22%

Child/employee in daycare center

6.8%

1.6%

1.7%

12

3.23%

Contact of daycare child/employee

10.9%

4.7%

5.0%

6

6.59%

Dental work

11.1%

15.5%

16.8%

1

13.89%

Hemodialysis-associated

0.9%

1.2%

1.5%

16

1.15%

Homosexual activity

3.6%

6.9%

3.5%

8

4.48%

Injection Drug Use

3.7%

10.5%

23%

4

11.90%

International travel

8.4%

3.2%

2.4%

9

4.48%

Medical/dental employment

3.7%

3.5%

4.0%

11

3.58%

Multiple sex partners

4.9%

20.2%

12.5%

3

12.03%

Other percutaneous exposures

0.9%

3.2%

2.7%

13

2.17%

Personal contact with patient-Hep A

33.6%

1.8%

3.5%

2

12.45%

Personal contact with patient-non A, non B hepatitis

3.8%

17.7%

13.2%

5

11.10%

Surgery

3.5%

6.6%

8.1%

7

5.82%

Suspected food borne or waterborne outbreak

4.7%

0.3%

0.6%

14

1.79%

Tattooing

1.8%

4.3%

5.7%

10

3.77%

 

 

     

ADDITIONAL ARTICLES:

Document Name & Link to Document

Description

File Size /Type

9/11 workers struggle to get workers’ comp Half a dozen doctors testified on his behalf. Experts on 9/11-related diseases confirmed his claims. A picture of him working on a smoldering pile of rubble at ground zero offered hard evidence…Still, for Joe Picurro, it wasn’t enough. The New York State Workers’ Compensation Board ruled he still hadn’t proven his health problems were due to his 28 days as a volunteer during the 9/11 cleanup. He hadn’t even proven he’d actually worked at the site, they said, saying the photograph could have been doctored.  

1998 National Health Interview Survey (NHIS)

Give information and site information for downloading public use data and documentation for the 1998 NHIS

178 kb pdf

Actuarial Aspects of Dread Disease Products

Dread Disease/Critical Illness insurance has attracted much attention because it differs significantly from other life products in that the benefit is paid upon occurrence of a specific disease rather upon death

526 kb pdf

Arizona statutes under the heading "Communicable Disease Related Information"
A person who obtains communicable disease related information 
in the course of providing a health service or obtains that 
information from a health care provider pursuant to an authorization
 shall not disclose or be compelled to disclose that information 
except to the following:
 
Australia Occupational Exposure The data on occupational injuries and diseases contained in the National Workers' Compensation Statistics database have been compiled by the National Occupational Health and Safety Commission (NOHSC) from information supplied by Commonwealth, State and Territory workers' compensation authorities. These agencies processed workers' compensation claims received from insurance companies, self-insurers and some government departments  
BLOODBORNE PATHOGENS EXPOSURE CONTROL PLAN Department of the Army control plan- To prescribe policies, responsibilities and procedures for implementation of the Bloodborne Pathogen Exposure Control Plan (BBPECP) to meet the letter and intent of the OSHA Bloodborne Pathogens Standard (29 CFR 1910.1030). OSHA has enacted this standard to "reduce occupational exposure to Hepatitis B Virus (HBV), Human Immunodeficiency Virus (HIV) and other bloodborne pathogens". This plan details measures WRAMC and its employees will take to decrease the risk of transmission of bloodborne pathogens and provide appropriate treatment and counseling should an employee be exposed to bloodborne pathogens.  
Bombay Police test positive "Around 450 policemen have tested positive for HIV," Prem Kishan Jain, joint police commissioner for administration, said. The figure is initial, with medical data not yet compiled for much of Bombay's 40,000-strong police force.  
Carbondale Elementary School District 95-Illinois
An employee with a communicable or chronic infectious disease 
shall be evaluated by the District's Superintendent and the 
employee, and a representative selected by each if so desired by 
the employee. The employee's medical condition shall be held in 
strictest confidence by the Superintendent, with only the employee's 
direct supervisors being informed of the employee's medical condition 
if deemed necessary by the Superintendent.
 

CDC report on occupational exposure to Blood Pathogens

Explanation of the reporting system and what to do

37 kb pdf

Changes in workers' compensation laws during 2001 The issue of coverage under workers' compensation laws received a great deal of attention in 2001. For example, extending presumptions of coverage for certain diseases suffered by law enforcement officers or firefighters, or both, occurred in Arizona, California, Florida, Maryland, and Virginia.  
Code of practice for funeral workers: managing infection risk and body bagging There is substantial variation in the advice given to funeral workers on handling bodies with infection risk. Inconsistent advice results in inappropriate practice. A model code of practice is presented that uses risk assessment in response to statutory and executive responsibilities to provide health and safety advice to funeral workers. The code of practice should increase compliance with safety requirements, avoid unnecessary bagging and allow bereaved families freer access to the deceased. Pdf 37 kb
COMPENSATION FOR OCCUPATIONAL DISEASE: HIDDEN AGENDAS This article explores the values implicit in the long-standing debate over the mechanisms for compensating victims of occupational disease. We begin by reviewing the: treatment of workers’ health and safety at common law, the background for modern remedies. We then turn to workers’ compensation, which today provides the basis for most of the payments to victims of workplace injury. Finally, we look at possible future solutions to the problems of disease compensation. Pdf 112 kb
Costs of Occupational Injuries and Illnesses Most Americans between the ages of 22 and 65 spend 40 to 50 percent of waking hours at work. Every year millions of Americans suffer injuries and thousands experience deaths in our workplaces. Yet little effort has been made to estimate either the extent of these injuries, deaths, and diseases or their cost to the economy. Thus, important questions about workplace safety and the economic resources expended due to workplace health problems remain unanswered. In this study, we address these questions by presenting estimates of the incidence, prevalence, and costs of workplace-related injuries, illnesses, and deaths for the entire civilian workforce of the United States in 1992. We also consider controversies surrounding cost methodologies, estimate how these costs are distributed across occupations, consider who pays the costs, and address some policy issues  

Direct Cost of Follow-up for Percutaneous and Mucocutaneous Exposures

Published by the International Health Care Worker Safety Center at the University of Virginia

48 kb pdf

Disease management. Research report compiled for the insurance industry to manage diseases 211 kb pdf
Epidemiological Notes on Occupational Exposure As of March 14, 1988, a total of 55,315 adults with AIDS had been reported to CDC. Occupational information was available for 47,532 of these persons, 2,586 (5.4%) of whom were classified as health-care workers  

Estimating Future Hepatitis C Morbidity, Mortality, and Cost in the United States

Objectives: This study estimated future morbidity, mortality, and the costs resulting from hepatitis C virus

133 kb pdf

Exposure of healthcare workers in England, Wales, and Northern Ireland to bloodborne viruses between July 1997 and June 2000: analysis of surveillance data The transmission of bloodborne viruses to healthcare workers can have serious consequences not only for clinical practice but also, because of the requirements of health and safety legislation, for their employers. In spite of guidance and education, however, many health­care workers continue to be exposed to bloodborne viruses from percutaneous, mucocutaneous, or other injuries. An enhanced system of surveillance of occupational exposure to bloodborne viruses was introduced in mid­1997, developing the passive system that was set up after the first reported case (in 1984) in the United Kingdom of HIV seroconversion associated with needlestick injury. Pdf 360 kb
Exposure to Blood: What Healthcare Personnel Need to Know Exposures occur through needlesticks or cuts from other sharp instruments contaminated with an infected patient’s blood or through contact of the eye, nose, mouth, or skin with a patient’s blood.  Important factors that influence the overall risk for occupational exposures to bloodborne pathogens include the number of infected individuals in the patient population and the type and number of blood contacts. 364 kb pdf

Eye of the Needle-Hep B, Hep C, HIV- United Kingdom Surveillance of Significant Occupational Exposures to Bloodborne Viruses in Healthcare Workers.

 (Large report-Increase download time)

The active surveillance of significant occupational exposures in England, Wales and Northern Ireland for bloodborne viruses was implemented in July 1997.1 Under the scheme, occupational exposures include2 percutaneous exposures, where the skin has been broken by a needle/other sharp object, human scratch or bite and mucocutaneous exposures, where the mucous membranes (mouth, nose or eyes), or non-intact skin have been contaminated. A significant exposure is a percutaneous or mucocutaneous exposure to blood or other body fluids from a source that is known to be, or as a result of the incident found to be, HBV surface antigen (HBsAg), HCV, or HIV positive. Pdf 2685 kb

Financial and Risk Considerations for Successful Disease Management Programs

Report for the insurance industry-this paper introduces disease management risk concepts in general, along with a discussion of risk and financial evaluation considerations, and a brief case study illustrating these principles.

211 kb pdf

GUIDELINES FOR HIV TESTING IN VA FACILITIES FOLLOWING OCCUPATIONAL EXPOSURES This information letter provides guidance concerning Human Immunodeficiency Virus (HIV) testing in occupational exposure situations; clarifies Department of Veterans Affairs (VA) policy about testing for HIV, and includes a collection of consensus recommendations of a Committee that included experts in the field of HIV, Acquired Immune Deficiency Syndrome (AIDS), and occupational safety.  
HAS THE POINT BEEN MADE? There is a growing awareness within the health service of the impact of needlestick injuries and the need to introduce policies and procedures that will reduce their occurrence, in conjunction with the use of anti-needlestick devices. SafeGard Medical is a company that specialises in providing these devices.  

Hazards of needlesticks-Sharp End

Needlestick injuries are up there with slips, trips and falls as one of the top accident risks in UK hospitals. Safer devices are available and would remove a possibly lethal infection hazard-so why aren’t hospitals using them?

144 kb pdf

HEALTH CARE WORKERS AND HEPATITIS C VIRUS

Health care workers are at occupational risk for acquiring this infection because Hepatitis C Virus is transmitted by direct percutaneous exposure to blood. The CDC recommends that individual health care institutions consider establishing policies and procedures for follow-up of infection with Hepatitis C Virus after percutaneous or permucosal exposures to blood.

 

Health care workers infected with HIV, Hepatitis B or Hepatitis C-Australia This circular extends policy on health care workers infected with blood borne viruses to include hepatitis C.  All health care workers in New South Wales who perform exposure prone procedures are required to know their blood blorne virus status.  A HCW who either HCV PCR positive or HIV positive or HbeAg positive or HBV DNA positive must not perform exposure prone procedures. 45 kb pdf

Healthcare Exposure

Deals with poisoning and Toxicity with areas of the insurance industry that are found in the work area

471 kb pdf

HEALTHCARE WORKERS: PROTECTING THOSE WHO PROTECT OUR HEALTH Healthcare-worker protection has lagged behind that afforded other workers with similarly increased risks. Possible explanations for the delay in focusing on occupational hazards faced by healthcare workers are many and likely include the focus of curative rather than preventive medicine in the hospital environment; the focus on patient health over worker health; and the focus within occupational health on traditionally male occupations and hazards rather than female workers.  

Healthcare Workers and Hepatitis C

Health care workers are at occupational risk for acquiring this infection because Hepatitis C Virus is transmitted by direct percutaneous exposure to blood. Reported in ‘American Family Physician’

223 kb pdf

HEALTHCARE WORKERS SORE OVER NEEDLES FDA WON’T BAN KIND THAT CAUSE MOST INJURIES

A nursing safety expert asked how many hundreds of medical workers need to die from contaminated needle sticks before the agency bans standard needles and syringes that are causing the injuries

 

Hep C in the Fire Service: Do fire, rescue and EMS personnel face a higher risk of being infected by Hepatitis C than the general population? They're often exposed to victims’ blood and only recently have the precautions been put in place to protect them from exposure to blood-borne diseases. The answer to that question would seem obvious.  
HEPATITIS C AND POLICE WORK There have been many articles published on the risks of transmission of hepatitis C. All "emergency workers" are high risk. Not only do police officers work with the sector of the population most at risk (prison, drug users, drunks) but they are also first responders to motor vehicle accidents and domestic disputes.  
HEPATITIS C and the fire service: assessing the risk The news that Philadelphia (PA) Fire Depart-ment (PFD) firefighters screened for hepatitis C (HCV) in 1999 had an infection rate almost three times the average for the U.S. population vividly reminded the fire service that complacency in the health and safety arena can be as deadly as complacency on the fireground. The revelation moved fire departments to look more closely at their infection-control policies and means for protecting their members against the insurance industry and supporting those who already have become infected.  
Hepatitis C & HIV Co-Infection: an update-Sept. 2003 More than 3 percent of the world’s population, about 2 percent of the US population, and up to 10 percent of US health care workers are currently infected with the Hepatitis C virus. 327 kb pdf
Hepatitis C Infected Health Care Workers Implementing Getting Ahead of the Curve: action on blood-borne viruses  
HIV AND THE HEALTH CARE WORKER: Transmission of HIV in the Health Care By December 31, 1995, the cumulative number of AIDS cases reported in the U.S. had exceeded 500,000. The CDC currently estimates that 1 million Americans are HIV-infected. Nearly all health care workers (HCWs) will be involved in some way with the care of these persons who require frequent visits to clinics and hospitals. This fact is illustrated by the "Sentinel Hospitals" study which measured HIV prevalence among hospitalized patients who were not known to be HIV-infected. The seroprevalence at these 26 hospitals varied from 0.1 percent to 7.85 percent and was as high as 21.7 percent in men aged 25 to 44 at one hospital1. Well-documented cases of occupationally acquired HIV infection have understandably raised concerns among HCWs regarding their own safety. This article reviews the current data on occupational transmission of HIV infection, the current methods in place to protect HCWs, and the management of an occupational exposure to HIV when it occurs  
HIV, Hepatitis-B, Hepatitis-C: Blood-borne Diseases

Nurses constantly balance occupational risks with their primary goal of providing quality health care to all persons. Because threats to personal well-being may affect practice, nurses must promote a safe and healthy work environment to protect themselves, their loved ones, patients, and coworkers. As front-line providers of health care, nurses have long been exposed to blood-borne pathogens on the job. The AIDS epidemic has heightened awareness of this and has broadened our knowledge of other bloodborne diseases, notably hepatitis-B (HBV) and hepatitis-C (HCV).

 
HIV test made mandatory for city Police Alarmed at the increasing number of HIV positive cases in the
force, the Mumbai police has decided to make it mandatory for each of  the 38,000 constables and officers up to the rank of inspector to undergo a HIV test every six months
 
HIV/AIDS, and Hepatitis B and C: Preventing Exposure at Work This booklet is for employers and workers who are not expected to come in contact with blood and body fluids at their workplaces-but who could have contact with these fluids in rare, isolated incidents that can’t be foreseen 637 kb pdf
HIV/AIDS, and Hepatitis B and C: Preventing Exposure at Work-Canada Most workers won’t ever contact, at work, blood and certain body fluids that can spread HIV and the hepatitis B and C viruses.  But even employers and workers in setting where contact with blood and these fluids is not expected should be aware of some basic precautions.  This is because it is possible to become infected from a single exposure incident—that is, harmful contact with infected blood and body fluids. 825 kb pdf
HIV/AIDS in the Workplace The spread of HIV/AIDS worldwide, and the growing number of people affected, makes it very likely that few, if any, global companies will escape its impact. As the pandemic progresses, an ever-wider sphere of business operations is being touched by the disease. Although Africa and Asia have been the hardest hit, every continent has seen significant consequences due to HIV/AIDS. Estimates by the World Bank suggest that the macroeconomic impact of HIV/AIDS may reduce the growth of national income by up to a third in countries where the prevalence among adults is 10 percent. Additionally, rates of HIV infection worldwide are highest for the young and for women, who are major contributors to the workforce  
HIV/AIDS Technical Assistance Guidelines The impact of HIV/AIDS in the workplace is felt in many areas, for example the loss of productivity, increased cost of employee benefits, high production costs and lower workplace morale due to prolonged staff illness, increased absenteeism and mortality rates.  This, in turn, impacts negatively on the economy of the country as it slows down economic growth with less economically active persons able to contribute to the economy. 274 kb pdf
Hospital blunder allowed sick firefighters to keep working What is particularly devastating for the firefighters who have unknowingly lived with hepatitis-C for the past three years is they don't know how much damage has been done to their liver in that period of time. Nor do they know if they have unknowingly passed it on.  
Human rights approach to AIDS. Southern African Development Community's Code on HIV/AIDS and Employment 426 kb pdf
     
ILO- Recording and notification of occupational accidents The absence of reliable information about the incidence of occupational accidents and disease is a major obstacle to curbing the appalling toll of work-related deaths and injuries that continues to plague humankind. Despite enormous advances in technology, preventive medicine and the means to prevent accidents, the ILO and the World Health Organization (WHO) estimate that each year around 1.2 million work-related deaths, 250 million accidents and 160 million work-related diseases occur worldwide. Death, illness and injury on such a scale impoverish individuals and their families, and undermine attempts to improve working conditions  
Information for Individuals Who May Have Been Exposed to HIV, the AIDS Virus Health care workers and public service workers may be exposed to the HIV virus through their work.  Even though safer work practices incorporating barrier precautions and safer needle devices will decrease the risk of exposure, they will not completely eliminate it…There are other ways of being exposed to HIV, for example through human bites or sexual assault. 71 kb pdf
Job-related hepatitis C infections are hard to prove Many people with hepatitis C suffer from a double whammy: They have a potentially deadly virus, which can simmer undetected for decades - and that makes it hard for them to prove how they got it. As a result, veterans, health-care workers, firefighters and others who think they got hepatitis C b