Who Provides For Medical Care and Wage Loss When You’ve Been Hurt in a Car Crash on the Job?

In our practice, we regularly see clients who have been involved in car or truck accidents while occupying their employers’ vehicle. Most people are confused about who is responsible for providing for their medical care and their rights of recovery. In some ways, it is analogous to having two separate claims running on parallel tracks, although the rights of recovery do not overlap. Many times choosing the best way to proceed is determined on a case-by-case basis. I’ll point out some of the issues that must be considered.

I will assume for the purposes of this discussion that the other party was at fault in the accident. These accidents bring in to play the rights provided under Florida’s Workers Compensation statute, Florida no-fault statute, as well as general principles of tort law which provides a right of recovery for damages against the party responsible for causing the accident. We’ll only be discussing work comp and no-fault issues in this article.

When someone has been injured on the job, including injuries suffered in motor vehicle accidents occurring on the job, they have the rights provided for them under the worker’s compensation statute. This article is not designed to explain all the rights existing under these various statutes. However, certain employers are required to provide Workers Compensation benefits to their employees. When these benefits are available, they generally provide coverage for medical care, as well as certain wage loss benefits, all of which are defined under the statute. An employee involved in the accident example we are considering would have the right to allow workers compensation to provide for their medical care, as well as any wage loss benefits they suffered if they were off work because of the injuries suffered in the accident. However, they are not required to use workers compensation.

One of the advantages of using workers compensation is that the total amount of medical care benefits are, potentially, far greater than what would be provided under the Florida no-fault statute. That is because the medical cost benefits are not capped in terms of what expenses may be incurred and they may be available over a much longer term of years in the most serious injury cases. In the less serious injury cases, these advantages must be weighed against some inherent disadvantages of using workers compensation. Those disadvantages include the fact that the workers compensation carrier has a right to control which doctors may treat the injured worker. No unauthorized treating physician is allowed to be reimbursed. Many workers find this to be a very frustrating disadvantage. Additionally, any medical expenses workers compensation pays must reimbursed to them from any settlement the injured worker receives from the responsible driver’s insurance company. Many workers who’ve been involved in the workers compensation system for any length of time often express great frustration in how the system operates. For many of the most seriously injured clients however, there may be no practical alternative.

If the person in our example owns a motor vehicle insured with Florida’s no-fault coverage, those no-fault benefits would be available to pay the medical expenses they incur from the accident. Our worker could choose to use no-fault benefits instead of work comp. No fault pays 80% of your medical expenses and/or 60% of wage loss up to a total of $10,000. It is generally not subject to a claim for reimbursement from the accident settlement. No preapproval for medical treatment need be obtained. There is no requirement that no-fault or workers compensation comp has priority over one another. It’s generally up to the injured worker to decide which benefits they wish to pursue. Should our worker choose to treat under workers compensation, their no-fault benefits could be used as an offset against any right of reimbursement the workers compensation carrier may have from the settlement of their injury claim.

Of course, the circumstances of someone’s specific accident, as well as the severity of their injury, are very important factors that they should discuss with their attorney before deciding whether they would be best served requesting workers compensation benefits or no-fault benefits to pay for their medical care and lost wages.

How Unlicensed Assistants Help to Maintain High Quality Medical Care

One of the major challenges currently facing the healthcare community in the United States is a shortage in the number of registered nurses and licensed physicians required in order to provide accessible medical care to the growing population. As demand for services increases, many industry experts predict that the rate at which advanced personnel are entering the workforce will not keep pace with the number of new patients seeking professional services. This trend is partly attributable to a generalized increase in the size of the population as well as the higher prevalence of chronic conditions such as heart disease, diabetes, hypertension, and obesity. One approach that is being used to remedy this problem is the creation of more job opportunities for unlicensed personnel in all branches of the healthcare system. This has created a unique employment option for those who want to provide direct patient care, but who are uninterested in spending several years in college.

Unlicensed medical providers can be found working in just about every department that offers direct patient care to the public. These individuals have varying levels of competence and are assigned a variety of different titles based on the types of services they provide and the department in which they work. The most popular entry-level positions for those who are new to the healthcare environment include that of nursing assistant, home health aide, certified nurse aide, certified medication aide, and patient care technician. These employment opportunities generally require no college education, previous medical experience, or complex graduate training and certification. In most cases, employers who are looking to hire individuals for these openings will consider applicants who have either a high school diploma or GED. Although additional education does strengthen one’s application, it is often not a requirement for employment for those working in unregulated professions.

Individuals who work in generalized areas of practice are commonly expected to perform routine tasks under the direct supervision of a registered nurse who is responsible for determining the appropriateness of delegating activities to unlicensed personnel. Some of the most common tasks included in the assistant job description include vital sign collection, medical history documentation, monitoring for health status changes, assisting with feeding and walking, communicating with other members of the medical team, educating patients, and providing emotional support to those who are struggling to understand and accept their condition. Additional activities may be added based on the needs of the employer and the unique challenges encountered in a particular patient population. All technicians will be expected to be able to recognize when a patient requires advanced psychological support from a psychologist or psychiatrist.

Although most people enter the patient care technician profession as an entry-level employee, many choose to advance their career by completing the training and certification required to work in specialized fields such as surgery, dialysis, cardiology, or radiology. While these are not the only specialty fields available, they are some of the most popular. Because unlicensed assistants are expected to perform activities unique to their chosen specialty, they must complete training and certification programs that provide the knowledge and skills required to provide high quality and comprehensive care to patients who suffer from high risk and complicated conditions. Employers may also adopt their own competency standards based on the policies and procedures of the facility where the assistant has been hired.

Unlicensed personnel are an integral part of the healthcare system and are a key factor in supporting an efficient and effective provision of care process. Industry organizations such as the National Council of State Boards of Nursing and the American Nurses Association have publicly supported the use of assistants and technicians in healthcare facilities and have created guidelines for how tasks should be delegated and how to determine the level of supervision required. Those who are thinking about pursuing this career path should become familiar with the requirements in their state before signing an employment process or enrolling in a local training program. An informed perspective of the industry is the best way to ensure a long and satisfying career as a patient care technician.

Finding the Best Medical Care in Mexico City

Mexico City is the capital of Mexico and is the major political, cultural, and financial center of the country. Mexico City is the federal district with political autonomy within Mexico and is an important financial center in Latin America. This global city has been a major tourist destination and is home to several World Heritage Sites as declared by the UNESCO. 

Mexico City has a number of modern hospitals in both private and public sectors. Many of these hospitals offer high quality medical service at global standards. With many internationally known hospitals, visitors to Mexico City can be assured that their health needs will be properly addressed. All the leading hospitals are provided with service of English speaking staff.

The ABC Medical Center formerly known as American British Cowdray Hospital is the most popular, world class hospital in Mexico City. This service oriented, private health center with an excellent reputation is located at Calle Sur 136, on corner of Avenida Observatorio Col. Las Americas. Two well-known hospitals, the Hospital Americano and Sanatorio Cowdray combined to form this hospital in 1941. It has grown considerably through the years to become the premier health center of the country, which is a favorite in the foreign communities also. This hospital with 200 beds, 10 operating theaters and 7 outpatient surgery units is well known for its service ethics, best possible diagnostic, medical and surgical service, excellent management and possession of sophisticated devices and modern medical technology. This is the only private hospital in the city to attain the prestigious Joint Commission International (JCI) and General Health Council (CSG) accreditations which assures high quality and standards of hospital’s operations and facilities. More than 1,400 doctors are consulting in the 40 well equipped specialty centers. Some of these are neurology center, cancer center, transplant unit, nutrition, obesity and metabolic center which are particularly well known. The hospital has modern cardiovascular center, pediatrics and neonatal intensive care, advanced endoscopy unit, hemodialysis unit and a lung cancer early detection clinic. The Center also has College of American Pathologists (CAP) approved modern clinical, anatomical and pathological laboratories. The ABC Medical Center has state-of-the-art medical equipment including PET-CT Medical Imaging Unit, tomography, MRI, nuclear medicine, ultrasound and digital mammography. The hospital has excellent emergency service and heliport. The ABC Medical Center is also a renowned training center and has established another 60 bed hospital at the Santa Fe Campus. Telephone: 5230-80-00: 5515-83-59 (Emergency) 5230-81-61

Medica Sur is another reliable, modern, private hospital in Mexico with national and international reputation. This hospital located at Puente de Piedra 150 Col. Toriello Guerra Tlalpan, D.F. Medica Sur was established in 1982. Today Medica Sur is one of the most well known and best-equipped hospitals in Latin America staffed with many of the country’s most eminent doctors. The hospital is highly ranked for its state-of-the-art facilities and advanced technology. The hospital has well equipped departments in all relevant clinical and surgical fields and their departments of cardiology, neurosurgery, oncology and imaging diagnosis are especially well known. The hospital is popular among foreign patients too and the hospital has established a separate international section for the convenience of expatriate seeking medical treatment. Medica Sur offers very comfortable accommodation in 53 rooms including 12 luxury suites. It also has additional on site facilities including pharmacies, gift shop, bank, restaurant, coffee shops, ecumenical church and internet. The hospital has achieved approvals from many prestigious international organizations like ISO 9001-2000, Federal Office for Environmental Protection (PROFEPA), General Health Counsel and The College of American Pathologists. In addition to the general sections, the hospital operates many special clinics and treatment units like the liver clinic, child/teen obesity, aesthetic surgery, anorexia. Telephone: 5606-60-11, 5606-22-77

Hospital Angeles Pedregal is another leading private hospital in Mexico with international standards and is located at Camino a Santa Teresa 1055 Col. Heroes de Padierna C.P. 10700 Mexico City. The hospital is notable for its outstanding quality, care and technological edge. Hospital Angeles Pedregal is a general hospital with 239 beds in 189 rooms including luxurious suites. The hospital offers high quality clinical, diagnostic and surgical service of global standard in all departments to meet every medical need of patients and employs more than 1,300 eminent doctors. The hospital has different specialized clinics like diagnosis clinic, adult and international traveler vaccination center, integral vascular disease center (CIEV), anxiety and depression clinic, bone metabolism clinic, integral care clinic for obese patients and ophthalmic laser clinic. The hospital also provides modern ICUs, umbilical cord stem cell bank, intermediate therapy unit, physiotherapy and rehabilitation department, respiratory support unit, blood bank, hemodialysis unit, magnetic resonance imaging unit, radio surgery and radiotherapy department and PET-CT0 unit. The hospital’s imaging section with departments in radiology, nuclear medicine, ultrasonography and computed tomography and clinical laboratory are comparable to the best in the world. The hospital has well equipped emergency service too. Telephone: 5449 5500

Top 5 Approaches for One to Decrease Business Medical Care Insurance Charges

Business medical care insurance is considered to be a primary control of performing business, particularly for small companies and mom-and-pop firms. With premiums soaring, many small enterprises are asking their employees to shoulder many financial burden or cutting benefits entirely.

The newest York-based Commonwealth Fund, an advocacy group for medical care reform, says business medical insurance costs average 18 percent greater than that relating to larger businesses. In California, medical insurance costs increased 10 % in 2006 alone, in line with the California Employer Health improvements Survey.

Those costs have proven too much for most small enterprises. In line with the U.S. Chamber of Commerce, greater than 45 million Americans are uninsured, and approximately 60 percent with the uninsured have employment with small enterprises.

In 2006, the common monthly cost for medical insurance for small group plans, which can be largely employed by small enterprises, was $311 each month, in accordance with a survey by America’s Medical insurance Plans, a trade group representing medical insurance companies. The common premium to get a category of four was $814 each month, the association reported.

Business medical insurance usually takes a massive chunk from the revenue, but benefits often attract better employees and help retain existing workers. Satisfied, healthy personnel are more prone to help your organization grow. In case you are struggling to offer medical insurance, follow this advice which could lessen your business medical insurance costs.

1. Keep employees healthy. Motorola Inc., as an example, has instituted a thorough wellness program that features disease management for afflictions for instance asthma and diabetes, and also gives flu shots, cancer screenings, smoking-cessation sessions plus a round-the-clock phone line staffed by nurses. The business found that for each and every dollar it invested, it saved $3.93, in accordance with a 2003 report from the U.S. Department of Health insurance and Human Services report, “Prevention Makes Common Cents.” Likewise, heavy machinery manufacturer Caterpillar estimates that its wellness program helps you to save the business $700 million by 2015.

Such wellness programs don’t just keep company accountants happy. They’re also favored by workers. Pharmaceutical giant Pfizer Inc. found that 85 % of the employees in their The big apple offices took part in one or more wellness program, understanding that 80 % used on-site facilities for instance fitness gyms or therapy, in line with the HHS report.

2. Reduce coverage. Cutting coverage or asking the workers to contribute more for the plans may well step to reducing business medical insurance costs. The negative effects with this strategy are always that it’s going to likely prove unpopular with workers.

It’s not unheard of for businesses to exclude dental and vision insurance, but speak to your employees to determine what they need covered. They may choose having dental and vision insurance along with a health checking account, for instance.

3. Consider health savings accounts. Health savings accounts are a preferred option for those who own smaller businesses. These tax-exempt accounts, that are accustomed to purchase certain medical expenses, could lower your small company medical health insurance costs while giving the employees regulations.

You must have a high-deductible medical health insurance intend to begin a health checking account. For instance, in 2007 the minimum deduction for people is $1,100; for families, it’s $2,200. Which means that you simply or the employees would need to pay $1,100 from your own pockets for health-care expenses for example doctors’ visits or prescriptions prior to being reimbursed through the insurance provider.

But you will find benefits: In 2007, employers, workers, and their own families can contribute tax-free as much as $2,850 for individual health savings accounts or $5,650 to see relatives accounts. These funds are only able to be employed to cover health-care costs, and employees may take their accounts together when they leave. The funds generally don’t expire.

Contributions and withdrawals are generally tax-free, and individuals can claim tax deductions on their 1040 forms – meaning employees don’t have to itemize to find the tax break. Employer contributions will also be tax-deductible for business people but are not required. Individuals may also setup health savings accounts.

To determine or take part in a health checking account, your only comprehensive medical health insurance could possibly be the high-deductible medical health insurance plan plus they should be agreed to all employees.

Health savings accounts benefit healthy employees that do not regularly see doctors. You or your employees can, however, have medical health insurance that specifically covers ailments, including certain diseases or illnesses, accidents, dental and vision care.

4. Join an organization. Small group medical health insurance plans cover between two and 50 employees, however, there are “group of one” insurance coverage for that self-employed that provide similar benefits.

The bigger your group, the low your premiums are going to be. Based on the America’s Medical health insurance Plans 2006 survey, 80 percent of small groups polled had 10 or fewer employees within their medical health insurance plans, and also the average monthly premiums for people was $330. Firms with between 26 and 50 employees paid $287 per month for single premiums.

In case your business has less than 10 employees, you are able to still partner along with other businesses or individuals and expand your group plan. Observe that health-care laws are governed through the states, so you will want to partner with individuals in your state.

5. Look around. Medical health insurance is really a huge business, so looking around for various providers could lower your small company medical health insurance costs. Begin by searching the web as well as ask other those who own smaller businesses the things they purchase medical health insurance. Insurance agents charges you fees, but you’ll saving time plus they can investigate medical health insurance plans for you personally. The National Federation of Independent Businesses partnered with eHealthInsurance, a national medical health insurance agency that provides you several quotes online.

Experience High Quality Medical Care With Private Medical Insurance

Most people from the creamy layer and the upper income group are minimally pinched with expensive premium payouts if the stake involves accessing quality and excellent hospitality service and medical treatment. If you belong to this group of the social strata then perhaps private medical insurance plan is what you may require for your insurance requirements. Obtaining an expat private medical insurance plan serves you the same purpose while being away from your home country so becoming an expat does not necessarily limit you from acquiring these quality services.

Health financial experts around the world agrees that private health insurance plans are expensive and have limited coverage area however the fact that one can access wide range of first-class health care services over rules all the odds. Private health insurance plans generally covers medical expenses incurred during treatment in private hospitals and clinics. Because there is a rapid increase in the demand for medical treatment for acute illnesses and injuries ordinary medical insurance may not provide you with prompt treatment unlike the private health insurance programs.

The aforesaid terms for expatriate health insurance for private plans may slightly differ from domestic private plans because one of the prerequisites for expat private health insurance holder is to consider which country you are traveling to at the time of choosing the policy. This is because most countries have different healthcare costs and standard of treatment.

The notion of waiting in line for treatment can be practically frustrating and time wasteful but with private health insurance plan one is technically eliminated from the hassles of long queue. Among the expatriate health insurances for expats private insurance plans are the one of most suitable options as patients usually can seek for private specialists and hospitals of their choice. Simultaneously, a private patient usually gets access to private room with other benefits and suite accommodation depending on your coverage plan.

On an average most global healthcare insurance service provider offers expat private medical insurance plans for those customers who prefer to avail quality and luxurious medical treatment. Private patient’s family members are obviously allowed to stay close to their ward but the policy of visitation may be governed by the hospital authority.

Not only that most private insurance plans include special treatment which are otherwise absent in a regular health plan like fertility treatment and testing. Being a private patient may offer you the benefit of getting a dedicated health consultant throughout your treatment.

Most of the international private insurance for expatriate specialist providers offers a wide range of first class products for individual, family, group or company cover. Health is wealth-there is nothing above your health. So, be wise and choose private medical insurance plans or expatriate insurance travel move carefully.

Invest in the right place and profit with first class expat medical treatment wherever you go.