Compensation Insurance Research Articles

EXERCISE PHYSIOLOGIST-LED PAIN SCIENCE COACHING VIA TELEHEALTH IMPROVED PAIN AND FUNCTION IN LIFE INSURANCE CLAIMANTS: A PRAGMATIC COHORT STUDY

INTRODUCTION & AIMS Personal injury and illness compensation claimants are more likely to experience persistent pain and poorer clinical/vocational outcomes than non-compensated clients. Evidence supports the effectiveness of pain science coaching to help people understand and re-train their pain system. This consequently reduces pain intensity, improves function and quality of life. However, the effectiveness of telehealth-delivered, exercise physiologist-led pain science coaching is yet to be evaluated. This study aimed to determine the effectiveness of an accredited exercise physiologist-led pain science coaching intervention via telehealth in Australian life insurance claimants. METHODS This pragmatic cohort study included 1,275 claimants receiving a pain science coaching intervention supported by life insurance compensation. Ethics was approved via Deakin University Human Research Ethics Committee (2023-347). Outcome measures were pain intensity (11 item numerical pain rating scale, range: 0-10 points) and function (two 11-item patient-specific functional scale, range: 0-20 points). Linear mixed models determined within-group change over time. RESULTS Clients (female: 75%, male: 25%) had a mean (SD) age of 50 (10) years (range: 20-69 years) and claim duration of 2 (2) years (range: 0-20 years). Mean (SD) intervention duration was 10 (6) weeks (range: 3-41 weeks), financial cost was A$1,149 (A$202; range: A$510-A$2,040) and included 5 (1) hours (range: 2-11 hours) of pain science coaching. Following the intervention, pain intensity decreased 25% (estimated marginal mean change [95%CI]: -1.49 [-1.59, -1.40] points, P<0.001) and function increased 76% (4.41 [4.21, 4.62] points, P<0.001). Changes surpassed established clinically meaningful effect thresholds for pain intensity (1.17 points) and function (2.6 points). Client Net Promotor Score was +60 (Australian Healthcare Index benchmark ≥ +30) and 91% were satisfied with the intervention. CONCLUSION An exercise physiologist-led pain science coaching intervention resulted in clinically meaningful improvements in pain intensity and function in compensation claimants. Clients reported high satisfaction rates.

Enhancing resilience: Understanding the impact of flood hazard and vulnerability on business interruption and losses

Without taking additional measures, flooding is becoming more likely and intense in a changing climate, which causes large economic damage. Households and firms are directly impacted by physical flood damage, but further ripple effects on society occur through business disruptions. By using post-disaster survey data from the 2021 flood event in the Netherlands, this study adds to the literature on business interruption duration and losses after flooding. The current empirical literature on flood impacts on firms is often unable to distinguish separate effects for flooded and non-flooded firms and does not incorporate flood severity and the influence of risk reduction measures. Here, we use multivariate regression models to determine depth-duration functions that describe the relationship between flood hazard characteristics and business interruption duration. This relationship can be used to calibrate flood damage models that capture indirect firm impacts. The prediction of business interruption after flooding allows for differentiation in business interruption between firms within a flooded area, reducing the reliance of these macroeconomic models on restrictive assumptions. Our results indicate that a day of business interruption duration costs a firm on average 0.5 % of their annual revenue; an effect that is stronger for firms with a weaker connection to their region. Flood damage mitigation (FDM) measures taken at the building level do not significantly affect business interruption duration, although further research on this is required. Finally, quick damage compensation is found to reduce business interruption duration and thus revenue losses, calling for higher insurance uptake and rapid and streamlined post-disaster insurance and government compensation.

The Causes of Rejection of Medical Care Benefits for Industrial Accident Compensation Insurance, A retrospective analysis

Objectives: The purpose of this study is to analyze the reasons of the claim rejections and denials compensated by dentalrelated the Industrial Accident Compensation Insurance (IACI) that is operated by the Korea Workers’ Compensation and Welfare Service (COMWEL).Methods: We collected 803 claims from one consultant who responded to dental-related medical inquiries commissioned by the Daegu and Gyeongbuk Workers’ COMWEL from January 2021 to May 2023. We analyzed the approval status and the reasons for non-approval, based on the reviewed response materials and dental online medical consultation data.Results: Among the initial and supplementary compensation applications, there were 79 cases with insufficient examina-tions, 72 cases with incomplete records, 19 cases with errors, 148 cases due to pre-existing conditions, and 6 cases where the applicant was ineligible for medical benefits. The reasons for re-evaluation after data supplementation included 122 cases of inadequate examinations, 76 cases of incomplete records, 24 cases with logical errors, 11 cases with insufficient photographs, and 57 cases for a combination of these reasons.Conclusions: In the context of industrial injury compensation claims, the denial of claims often arises from missing or incomplete dental records, diagnostic omissions, or logical inconsistencies between records, diagnoses, and treatment plans. Therefore, it is essential to ensure accurate medical records, appropriate examinations, and evidence-based diagnosis. Spe-cial attention should also be given to the collection of clinical data, including photographs.

Socioeconomic Status Correlates With Initial Patient-Reported Outcomes Measurement Information System-Pain Interference (PROMIS-PI) Scores but Not the Likelihood of Spine Surgery.

Objective To explore how socioeconomic status and patient characteristics may be associated with initial self-reports of pain and determine if there was an increased association with undergoing spine surgery. Methods Patients at an academic center between 2015 and 2021 who completed the Patient-Reported Outcomes Measurement Information System-Pain Interference (PROMIS-PI) questionnaire were included. Multivariable linear regression models were used to determine the association between insurance type and patient factors with initial reports of pain. Multivariable logistic regression models were used to determine the association between PI and the likelihood of surgery in two time periods,three and 12 months. Results The study included 9,587 patients. The mean PROMIS-PI scores were 61.93 (SD 7.82) and 63.74 (SD 6.93) in the cervical and lumbar cohorts, respectively.Medicaidand Workers' Compensation insurance patients reported higher pain scores compared to those with private insurance: Medicaid (cervical: 2.77, CI (1.76-3.79), p<0.001; lumbar (2.05, CI (1.52-2.59), p<0.001); Workers' Compensation (cervical: 2.12, CI (0.96-3.27), p<0.001; lumbar: 1.51, CI (0.79-2.23), p<0.001). Black patients reported higher pain compared to White patients (cervical: 1.50, CI (0.44-2.55), p=0.01; lumbar: 1.51, CI (0.94-2.08), p<0.001). Higher PROMIS-PI scores were associated with a higher likelihood of surgery. There was no increased association of likelihood of surgery in Black, Medicaid, or Workers' Compensation patients when controlling for pain severity. Conclusion Black patients and patients with Medicaid and Workers' compensation insurance were likely to report higher pain scores. Higher initial pain scores were associated with an increased likelihood of surgery. However, despite increased pain scores, Black patients and those with Medicaid and Workers' Compensation insurance did not have a higher likelihood of undergoing surgery.

Extreme analysis of typhoons disaster in mainland China with insurance management

Due to climate change, typhoons, especially extreme typhoons, are becoming more intense and causing ascending financial losses. A majority of previous studies on typhoon economic losses over a period of time considered all types of typhoon rather than the extreme typhoons. This study focuses on the risk management of extreme typhoons by establishing the compensation mechanism and a typhoon-specific insurance product. The annual maximum losses of typhoons is first modelled by generalized extreme value distribution (GEV) under the Extreme Value Theory (EVT). The prediction of unexpected economic losses is then obtained via VaR and CVaR for the compensation mechanism among individual, insurance company and government. To analyse the typhoon vulnerability of 11 Chinese coastal provinces (or municipalities), the Multiple-Criteria Decision Making (MCDM) method, combining Analytic Hierarchy Process (AHP) based Grey Rational Analysis (GRA) and Technique for Order Preference by Similarity to an Ideal Solution (TOPSIS), is applied for evaluating the typhoon vulnerability of these regions for 2022. The nationwide best estimates for typhoon reserves on the basis of insurance compensation mechanism is therefore calculated and will be allocated to these 11 provinces according to the vulnerability ranking obtained via MCDM method. The findings indicate that the top three provinces (Guangdong, Fujian and Zhejiang) in typhoon vulnerability rankings are also with the highest losses and frequency in practice, while Hebei has the highest insurance premium.

Anatomic Total Shoulder: Predictors of Excellent Outcomes at Five Years after Arthroplasty.

The objectives of this study were to: report minimum 5-year outcomes in patients undergoing TSA and determine characteristics predictive of patients achieving an excellent functional outcome. Pre-operative demographic variables and Simple Shoulder Test (SST) scores were obtained pre-operatively and at a minimum of fiveyears after surgery. A final SST ≥ 10 and percentage of maximal possible improvement (% MPI) of ≥ 66.7% were determined to be the thresholds for excellent outcomes. Univariate and multivariate analysis were performed to identify factors associated with excellent fiveyear clinical outcomes. Of 233 eligible patients, 188 (81%) had adequate follow-up for inclusion in this study. Mean SST scores improved from 3.4 ± 2.4 to 9.7 ± 2.2 (p < 0.001). Male sex was an independent predictor of both SST ≥ 10 (OR 3.46, 95% CI 1.70-7.31; p < 0.001) and %MPI ≥ 66.7 (OR 2.27, 95% CI 1.11-4.81, p = 0.027). Workers' Compensation insurance was predictive of not obtaining SST ≥ 10 (OR 0.12, 95% 0.02-0.60; p = 0.016) or %MPI ≥ 66.7 (OR 0.16, 95% CI 0.03-0.77, p = 0.025). MCID was passed by the vast majority (95%) of patients undergoing TSA and did not necessarily indicate an excellent, satisfactory outcome. Male sex and commercial insurance coverage were significantly associated with these excellent outcomes, while Workers' Compensation insurance was associated with failure to achieve this result. Thresholds for excellent outcomes, such as final SST ≥ 10 and %MPI ≥ 66.7, may be useful in identifying the characteristics of patients who benefit most from TSA.

Short-acting opioid prescriptions and Workers' Compensation using theNational Ambulatory Medical Care Survey.

Short-acting opioids have been utilized for pain management with little known about their use in patients on Workers' Compensation (WC) insurance. Our goal was to investigate this association in the ambulatory care setting. Using the National Ambulatory Medical Care Survey, visits from patients aged 18-64 during the years 2010 until 2018 were evaluated (excluding 2017 due to data availability). Demographic and co-morbidity data from each visit was obtained along with the visit year. The first short-acting opioid medication prescribed in the database was considered. Survey-weighted frequencies were evaluated. Logistic regression estimated the crude and adjusted odds ratios (OR) with 95% confidence intervals for the use of short-acting opioid prescription. There were 155,947 included visits with 62.5% for female patients. Most patients were White with 11.7% identifying as Black, and 6% identifying as another race. Over 13% of the sample was of Hispanic descent. WC was the identified insurance type in 1.6% of the sample population. Of these patients, 25.6% were prescribed a short-acting opioid, compared with 10.1% of those with another identified insurance. On multivariable regression, Black patients had increased odds of being prescribed a short-acting opioid compared to white patients (OR: 1.22, 95%CI: 1.11-1.34). Those on WC had 1.7-fold higher odds of being prescribed short-acting opioids (95%CI: 1.46-2.06). Certain patient characteristics, including having WC insurance, increased the odds of a short-acting opioid prescription. Further work is needed to identify prescribing patterns in specific high-risk occupational groups, as well as to elicit potential associated health outcomes.

Medical professional liability insuarance

The aim of the study is to form an integrated approach to understanding the context and legal necessity of medical professional liability insurance.&#x0D; The methodological basis of the study is a set of scientific techniques and methods of scientific knowledge, including dialectical, historical-legal, logical-legal, system-structural, method of forecasting and comparative jurisprudence. Dialectical method has provided opportunities to analyze scientific positions regarding the content and development of medical professional liability insurance. Historical-legal method helps to study the genesis of the development of insurance in specific historical and legal situations, the development of theoretical scientific thought and legislation. The method of comparative law is used to study the legislative and regulatory acts of Ukraine and other countries in the world as well as to clarify the advantages and disadvantages of the mechanism of legal regulation the insurance of medical professional liability in various countries in the world. Systemic and structural methods have helped to clarify the content of the contracts connected with this kind of insurance. Formal-logical method has allowed analyzing the provisions of the legislation of Ukraine in the sphere of this type of insurance.&#x0D; Results. This study contains a comprehensive scientific analysis of modern problems of medical professional liability insurance. The elements of the medical professional liability insurance contract are defined, namely: subject matter, insured, beneficiary, insurance risk, insurance event, conditionals of insurance compensation payment. It is stipulated that medical professional liability insurance contract shall have separate grounds for refusal to pay insurance compensation, inherent only to this type of insurance. It is shown that this type of insurance helps to manage the risks in medical practice activities. The concept of this type of insurance has been researched. The conditions to terminate the medical professional liability insurance have been identified.&#x0D; Conclusions. Having considered the issues of medical professional liability insurance and examined the conditions of the medical professional liability insurance contract, it has been made a conclusion that it is necessary to introduce this type of insurance as mandatory for healthcare institutions and private practitioners. It has been proposed to introduce compulsory medical professional liability insurance by approving necessary alterations the valid legislation.

Productivity outcomes from chronic pain management interventions in the working age population; a systematic review.

Productivity loss because of chronic pain in the working age population is a widespread concern internationally. Interventions for chronic pain in working age adults might be expected to achieve enhanced productivity in terms of reduced costs of workers' compensation insurance, reduced disability support, and improved rates of return to work for injured workers. This would require the use of measures of productivity in the evaluation of chronic pain management interventions. The aim of this review was to identify and interpret the productivity outcomes of randomised controlled trials reported by studies that conducted economic evaluations (eg, cost-effectiveness and cost-utility) of chronic pain management interventions in the working age population published from database inception to March 2023. Econlit, Embase, and Pubmed electronic databases were searched, yielding 12 studies that met the selection criteria. All 12 studies used absenteeism to measure productivity, translating return to work measures into indirect costs. Only one study included return to work as a primary outcome. Ten studies found no statistically significant improvements in productivity-related costs. Despite evidence for reduced pain-related disability after pain management interventions, this review suggests that the use of measures for assessing productivity gains is lacking. Including such measures would greatly assist administrators and payers when considering the broader societal benefits of such interventions.

Surgical Complexity and Physician Workload in Craniofacial Surgery: Do RVUs Need to be Adjusted?

RVU valuations need to be revisited regularly as procedure complexity and patient care pathways continue to evolve. The NSQIP-P database was queried for craniofacial procedures performed in North America between 2012 and 2019. Multivariate regression was performed to determine correlation coefficients of perioperative variables deemed to reflect procedure severity, including procedure duration, blood transfusion, length of stay, serious adverse events, related readmission, and related reoperation. CPT 21159 Le Fort III with forehead advancement remains the craniofacial procedure with the highest RVUs using our model at 33.93 units. The most underestimated procedure is CPT 42235 Repair of anterior palate, including vomer flap, with a suggested change of +8.27 units, which is a 194% increase from current compensation. Adjusted RVUs based on quantitative and nationally representative perioperative variables that reflect procedure severity might be a better alternative for procedure valuation over current survey methods to determine appropriate insurance compensation.

Analyzing the Impact of Liability Insurance on the Financial Performance of Insurance Companies in Nigeria

The insurance sector reforms in Nigeria sought to create a strong, diverse, and trustworthy industry that protects insured premiums, actively contributes to the country's economic progress, and participates in worldwide financial systems. Despite this development, insurance business operations and survival have not been impressive, and performance remains alarmingly poor. Therefore, this study investigates the effect of workers' compensation written premiums and workers' compensation claims paid of the chosen insurance companies' return on assets (ROA) in Nigeria. This study is a longitudinal research design. Secondary data obtained from the financial statement of five selected insurance firms in Nigeria over the year 2013 to 2022 were analysed with correlation analysis and panel regression estimation technique. The result of the study, based on Hausman verification, showed that workers' compensation written premium has a significant positive effect on RoA and that workers' compensation claims paid has a significant negative effect on RoA in Nigeria. Consequently, this investigation established that liability insurance is an important factor that may have been disturbing the performance of insurance firms in Nigeria, and must be treated with utmost care in the process of enhancing performance. Therefore, this study recommended among others that insurance firms need to increase the rate of client application towards workers' compensation insurance to realize increased levels of premium and income for performance-enhancing operations.

Research on Prediction of Insurance Compensation Amount after Fire Disaster

Fire is one of the major disasters that seriously threaten public safety and social development, so it is particularly essential to predict the amount of insurance compensation after a fire. This paper predicts the number of fire occurrences from various aspects such as region, housing, and car fires based on the LSTM model. A model for predicting insurance compensation after a fire is established based on the LSTM-Poisson distribution model and factors such as average house prices. Taking the number of fire occurrences in four regions of the UK from 2001 to 2021 as a case, the fire insurance compensation model is used to predict based on the average house prices and car prices in the UK, providing a reference for insurance companies in terms of fire insurance compensation.

Perbandingan Premi Asuransi Jiwa pada Saat Akhir Tahun Kematian dan pada Saat Kematian

Life insurance is a promise from the insurance company (insurer) to its customer (insured) that if the customer experiences the risk of death in their life, the insurance company will provide compensation. The amount of money paid by the insured to the insurer, the amount of which has been determined, is called the premium. The premium paid by the policy holder (insured) will be allocated by the insurance company for compensation or benefits which will be returned to the insured. In this study, simulated data was used to see the comparison of life insurance premiums at the end of the year of death and at the time of death. The results of this study conclude that the premium value of insurance compensation payments at the end of the year of death is smaller than the premium value of insurance compensation payments at the time of death.

Is Arthroscopic Meniscectomy Associated With an Increased Risk of Total Knee Arthroplasty for Claimants in the Workers' Compensation System? A 10-Year Study of Workers' Compensation Claims From a Large Nationwide Workers' Compensation Insurance Carrier.

Total knee arthroplasty (TKA) is a commonly performed knee surgery and prior arthroscopic meniscectomy (AM) has been linked to an increased risk of TKA in the general population. To study the relationship between AM and TKA among injured workers whose medical care is paid for under workers' compensation (WC). A total of 17,247 lost-time claims depicting all arthroscopic knee surgical procedures performed from 2007 to 2017 were followed to the end of 2022 and analyzed. The odds ratio of undergoing a TKA for those with a preceding AM is 2.20, controlling for age, sex, and attorney involvement. Undergoing an AM is associated with an increased risk of TKA in WC claimants.

Predictors of Postoperative Patient-Reported Outcome Measure Response Rates Among Patients With Rotator Cuff Repair

Background: Patient-reported outcome measures (PROMs) contribute to evaluating and improving the quality of patient care. Patient outcomes after rotator cuff repair (RCR) have been researched; however, the relationship between PROM response rates and individual and health care correlates has not been thoroughly investigated. Purpose: To examine differences in individual and health care factors among patients who had undergone RCR based on their PROM response rates. Study Design: Case-control study; Level of evidence, 3. Methods: Shoulder-specific and general PROMs were solicited via email and text message of all patients who underwent RCR between 2016 and 2020. Three subgroups were classified: (1) complete responders completed all 1-year postoperative PROMs, (2) partial responders answered enough questions to produce ≥1 usable score, and (3) nonresponders did not respond to a single measure. Correlates were assessed using analysis of variance and chi-square tests. Adjusted multinomial logistic regression models identified predictors of 1-year PROM response. Results: Of 2195 patients included at the 1-year follow-up, 34% were complete responders; 11%, partial responders; and 55%, nonresponders. Patients had a mean age of 61.8 years, 63% were men, and 90% were White. Pre- and postoperative PROM scores were similar across responder groups. In stepwise selection, 1-year responses (complete or partial) were associated with older age, later year of surgery, White race, and having workers’ compensation insurance. The strongest predictor of PROM response was having workers’ compensation insurance. Conclusion: Patients with workers’ compensation insurance compared with other insurance types responded to PROMs at disproportionately higher rates. This could distort postoperative PROM scores in the population studied because there are known differences among patients with this insurance status.

The construction of laws and regulations on the competition between tort compensation and work-related injury insurance under the injury caused by a third party

The problem of the competition between tort compensation and work-related injury insurance in the case of third-party injury is due to the different evaluations and norms of the modern relief system for the same damage. In comparative law, there are four legislative models: choice, substitution, both, and supplementation. China's relevant legislation presents the problems of decentralization, principle, contradiction and localization, which aggravates the complexity of the problem. Focusing on the protection of workers' rights and interests, the current situation of China's social development and the original intention of the design of relevant systems, China should adopt a "limited and beneficial model" in dealing with such competition and cooperation issues in the future.

Missed Short-term Follow-up After Arthroscopic Rotator Cuff Surgery: Analysis of Surgical and Demographic Factors.

Few current studies have examined loss to follow-up after rotator cuff-related shoulder arthroscopy. Understanding the demographic and surgical factors for missed follow-up would help identify patients most at risk and potentially mitigate the onset of complications while maximizing clinical outcomes. A retrospective review of consecutive rotator cuff arthroscopic procedures with a minimum of 12-month follow-up done by a single, fellowship-trained surgeon was undertaken from February 2016 through January 2022. Demographic patient and surgical data, including age, sex, marital status, self-identified race, and body mass index, were collected. Follow-up at ≤3, 6 weeks, 3, 6, and 12 months was determined. Patient-related and surgical predictors for missed short-term follow-up, defined as nonattendance at the 6 and 12-month postoperative visits, were identified. There were 449 cases included, of which 248 (55%) were women. The median age was 57 years (interquartile range [IQR], 51 to 62). Patients with commercial insurance (odds ratio [OR], 0.38; 95% confidence interval [CI], 0.23 to 0.64; P < 0.001) or workers' compensation (OR, 0.15; 95% CI, 0.05 to 0.43; P < 0.001) were less likely to miss the 6-month follow-up compared with patients with Medicare, whereas increased socioeconomic deprivation (OR, 0.86; 95% CI, 0.77 to 0.97, P = 0.015) was associated with decreased odds of missing that visit. Patients who missed the ≤3 weeks (OR, 1.77; 95% CI, 1.14 to 2.74, P = 0.010) and 3-month (OR, 8.55; 95% CI, 4.33 to 16.86; P < 0.001) follow-ups were more likely to miss the 6-month follow-up. Use of a patient contact system (OR, 0.55; 95% CI, 0.35 to 0.87, P = 0.01) and increased number of preoperative visits (OR, 0.91; 95% CI, 0.84 to 0.99, P = 0.033) were associated with decreased odds of missing the 12-month follow-up. Patients who missed the 6-month follow-up were more likely to miss the 12-month follow-up (OR, 5.38; 95% CI, 3.45 to 8.40; P < 0.001). Implementing an electronic patient contact system while increasing focus on patients with few preoperative visits and who miss the 6-month follow-up can reduce the risk of missed follow-up at 12 months after shoulder arthroscopy.

Identifying risk zones and landscape features that affect common leopard depredation.

Human-wildlife conflict (HWC) is a pressing issue worldwide but varies by species over time and place. One of the most prevalent forms of HWC in the mid-hills of Nepal is human-common-leopard conflict (HLC). Leopard attacks, especially in forested areas, can severely impact villagers and their livestock. Information on HLC in the Gorkha district was scarce, thus making it an ideal location to identify high-risk zones and landscape variables associated with such events. Registered cases were collected and reviewed from the Division Forest Office (DFO) during 2019-2021. Claims from DFO records were confirmed with herders and villagers via eight focus group discussions. To enhance modeling success, researchers identified a total of 163 leopard attack locations on livestock, ensuring a minimum distance of at least 100 meters between locations. Using maximum entropy (MaxEnt) and considering 13 environmental variables, we mapped common leopard attack risk zones. True Skill Statistics (TSS) and area under receiver-operator curve (AUC) were used to evaluate and validate the Output. Furthermore, 10 replications, 1,000 maximum iterations, and 1000 background points were employed during modeling. The average AUC value for the model, which was 0.726 ± 0.021, revealed good accuracy. The model performed well, as indicated by a TSS value of 0.61 ± 0.03. Of the total research area (27.92 km2), about 74% was designated as a low-risk area, 19% as a medium-risk area, and 7% as a high-risk area. Of the 13 environmental variables, distance to water (25.2%) was the most significant predictor of risk, followed by distance to road (16.2%) and elevation (10.7%). According to response curves, the risk of common leopard is highest in the areas between 1.5 to 2 km distances from the water sources, followed by the closest distance from a road and an elevation of 700 to 800 m. Results suggest that managers and local governments should employ intervention strategies immediately to safeguard rural livelihoods in high-risk areas. Improvements include better design of livestock corrals, insurance, and total compensation of livestock losses. Settlements near roads and water sources should improve the design and construction of pens and cages to prevent livestock loss. More studies on the characteristics of victims are suggested to enhance understanding of common leopard attacks, in addition to landscape variables. Such information can be helpful in formulating the best management practices.

Should older adults who have been injured at work be encouraged to return to work?: A study on life satisfaction of older adults with experience in industrial accidents

Work is generally defined as a positive factor in the lives of older adults. However, older adults who have experienced a industrial accidents need to also consider whether they want to work, as they face the double burden of disability and aging. Current rehabilitation services for injured workers focus on return to work without considering the life cycle. The purpose of the study was to determine whether returning to work affects life satisfaction in older adults and to discuss appropriate service directions. The data used to examine this are from the third year of the second cohort of the Panel Study of Workers’ Compensation Insurance. Participants were divided into three groups: Group 1 (under 55, 1,176 participants), Group 2 (from 55 to 64, 1,036 participants), and Group 3 (65 or older, 611 participants). Multiple regression analysis was conducted to examine the impacts of demographic variables (sex, marriage), care and health variables (treatment duration, self-rated health status, disability grade), economic variables (earned income, unearned income, employment status), rehabilitation service (vocational and psychosocial rehabilitation services), and psychosocial variables (self-esteem, social relationship) on life satisfaction. Returning to work and income were found to have no positive impacts on older adults’ life satisfaction. Better self-rated health, higher self-esteem, and good social relationships all had positive effects on life satisfaction among older adults. For the under-65 cohort, a number of factors contributed to life satisfaction, including income, employment, high self-esteem, etc. Indiscriminately encouraging injured older adults to return to work does not always make sense. There is a need to focus on sustainable health and psychosocial services in the community. This study demonstrates the importance of taking a non-work approach with injured older adults who have the dual characteristics of being both old and disabled.

A Comparative Perspective on Multivariate Modeling of Insurance Compensation Payments with Regression-Based and Copula-Based Models

A Comparative Perspective on Multivariate Modeling of Insurance Compensation Payments with Regression-Based and Copula-Based Models