Saturday, July 5, 2008

Disability insurance- If only working conditions in the industry is healthier…


Industrial accidents occur in developed and developing countries, may involve large number of people, happens in large plants that produce/use hazardous materials or when valleys are flooded if a dam bursts. Developing countries have only a small part of the world’s industrial and energy-producing plants but the frequency of serious accidents is unacceptably high.

In 1940’s, health-related work of trade unions mainly concerned with ensuring workers had access to medical treatment, negotiations focused on assuring workers with risky jobs received extra pay.

During 1960’s, campaigns raised regarding work health and safety- led workers in Europe became “judges of their own health”; considering subjective opinions- validated as component for scientific investigation. As result, working conditions in industry improved, thrust towards innovation stimulating the development of new technologies created agencies that cater to worker’s control over workplace. New rights such as the Right to Information were recognized and the power of workers strengthened.

In 1970’s however, politics contributed to some difficulties- unity between trade unions weakened, attitudes of workers changed. Developments in health and safety have been less favorable in the 1980’s; accidents begun to rise again.

Accident Prevention through discipline and vigilance must be a constant pre-occupation, especially of newly-industrialized countries.

Weakness of regulatory system/laxity in enforcement, and obsolete equipment are likely the principal causes of accidents. The adoption/hasty adaptation of new and locally un-tried technologies to local conditions make accidents more likely if workers and their supervisors lack experience in risk prevention. Often, local medical and hospital facilities may lack the means and experience to handle a sudden influx of victims with unfamiliar symptoms. Worse, absence/ unspecific insurance coverage adds burden.

The major difficulty is to set up the infrastructure that makes planning, operation, surveillance and quality control routine, and avoid technological “shortcuts” that may appear practical- paid for later on in the environmental and health damage and in high costs for clean-up/restoration. Training of responsible personnel at all levels to be aware of the environmental hazards at work may cause is expensive but essential component of any large-scale expansion of industrial and energy-producing activities.

Thoughtfully selecting industry, use of pollution control equipment, rational disposal of waste, strict compliance with good operational practice and continued adherence to measures to protect workers should ensure that environmental and health problems are reduced to a minimum.

Government should support policies concerning health of workers’ rights, equity between women and mean and commitment to fight against unemployment. Regulations and laws should protect against occupational hazards. Right to information about occupational hazards is important- provision of occupational health and safety services, regulation of working hours, legislation against discrimination and abuse of labor force (children and pregnant women), and ability to organize/ negotiate working conditions.

Continued Economic developments marked the sprung of modern thinkers/advocates of healthy workplace: trade unions, women’s associations, occupational health and safety authorities, health promoters and environmentalists, responded to the ongoing battle to improve social security benefits in cases of accidents and occupational diseases.

Health Care Deliver Systems particularly occupational health have been redesigned expanding roles on health: promotion, prevention, cure, and rehabilitation; tapping important key-enabling factors: education, training, access to information and technologies, democratization. Among the specific tasks of health sectors: expert knowledge on health and ill-health situation- research (study of hazardous working materials, organization of hygiene infrastructure), reorganization (outpatient/neurology department), training (patients with diseases that require rehabilitation and management like diabetes), diet and exercise, nursing care, development of communication and social relationships, referral systems, education (risk factors to health in workplace, accident and disease prevention).

The vital information that can be obtained from the health sectors and its alliance (governments, workforce, consumer associations and researchers), should guide insurance companies in supporting health through improved social security benefits, setting standards for health insurances (disability insurance); must be re-/designed to assist clients who have accident at work/been disabled to achieve their optimum level of functioning through specific insurance coverage fit to his/her condition.

Strategies for mobilization are based on relation between work, supportive environment and people’s health. The key is empowerment.

Health improvement of workers benefits the whole of the society through improved quality of life and less expenditure or social welfare. This support can help business increase cost effectiveness.

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