medical care

All you need to know about Spinal Cord Work Injuries

Workplace injuries can be catastrophic to the life of any worker, especially when it is severe. One of the most painful and debilitating things that can occur on a job site is a spinal cord injury. Many times, the consequences of an incident like this can be extremely expensive and may affect a worker for the rest of his or her life.

According to data from the National Spinal Cord Injury Statistical Center, 294,000 Americans live with spinal cord issues, and there are about 17,810 new cases each year. Also, an estimated 78% of those affected by SCI are men, and the average age is 43 years.  Workplace injuries represent one of the most important sources of this type.

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Unfortunately, spinal cord injuries are often devastating enough to prevent the vast majority of people who sustain them from returning to work. An estimated 12% of people with SCI are employed, and after 20 years, that figure only increases to about 30%.

As you can imagine, spinal cord can result in extremely costly medical expenses, which can eventually reach a million dollars or more. The only way you can deal with these expenses is through workers’ compensation benefits, but obtaining them can be quite complicated.

If you have suffered a spinal injury, the best way to increase your chances of getting the compensation you need to pay for your long-term rehabilitation and high medical expenses is to work with an excellent los angeles workers compensation law firm, such as C&B Law Group, that is always available to help you with anything you need. In California, you can find many experienced workers’ compensation law firms with track records of success that demonstrate their commitment to their clients, such as www.cblawgroup.com  and many more. Most of them offer free consultations, so feel free to call them if you want to know how they can help you.

Symptoms

Similar to the brain, the human spinal cord cannot regrow cells. Therefore, some spinal cord symptoms may appear immediately, and others may appear over time. The symptoms of spinal cord vary depending on the severity of it. Based on the degree of the injury and the location where it occurred, the symptoms usually include the following:

  • Numbness of extremities.
  • Pain in the neck, back or head.
  • Loss of motor functions or loss of coordination.
  • Loss of sensation in hands, feet, fingers.
  • Partial or complete paralysis of the body.

All spinal cord injuries are unique. To know exactly what type you suffered, you should see a doctor as soon as possible.

Types of Spinal Cord Injuries

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Your spine is home to many vital nerves that connect the brain to many muscles and organs. A damage to this part of your body can expose these nerves to severe consequences, which are often categorized as follows:

  • Paraplegia: When a person loses sensation in both legs, and the ability to move them.
  • Triplegia: When the person is unable to move their legs and one arm, in addition to losing sensation in those limbs.
  • Quadriplegia: This is the most severe case, as the person loses sensation and movement in both arms and legs, and usually needs a respirator since chest muscles may also be affected.

Common causes

The leading cause of spinal injuries is motor vehicle accidents, which contribute about 38% of all annual cases. On the other hand, falls account for 30.5%, followed by violent acts with 13.5%, sports with 9%, medical or surgical with 5%, and 4% composed of a variety of other causes, such as degenerative disc disease, repetitive motion injuries, being struck by work equipment, inflammation, and infection.

How does a Spinal Cord Injury affect your life?

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After a spinal cord injury, your life will change completely. Initially, chances are you won’t be able to work for a while, and if your occupation required you to do any significant physical exertion, as is the case for construction workers and athletes, you most likely won’t be able to return to work ever again and will have to learn another less physically demanding profession. Moreover, you may not be able to enjoy some of your favorite hobbies again.

Furthermore, the little things in life, such as preparing a cup of coffee in the morning, running errands, moving freely in your home, and many other things will become considerably more difficult (or impossible) after that.

The University of Alabama conducted a study to determine the effect of a spinal cord injury on a person’s life expectancy. The results stated that, on average, the life expectancy of someone who suffers a spinal cord is reduced by 5.2 years. Meanwhile, if the injury causes the worker to require a ventilator, their life expectancy is reduced by 33.2 years.

Plus, rest assured that an injury of this nature will affect your financial life. The long-term expenses that a spinal cord issue can cause are very high. That’s why it’s important to make sure you get workers’ compensation benefits to help you afford all those medical and rehabilitation expenses.

What can you obtain after a spinal cord injury at work?

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The workers’ compensation benefits you may receive after a spinal cord injury varies depending on the severity of it. These benefits include:

  • Temporary total disability: You will receive money for as long as you are unable to work due to the limitations caused by your injury. You will receive benefits until you get a job that accommodates your current condition.
  • Permanent or total disability benefits: If your spinal cord injury has made you unable to use your arms and legs for work, you will receive payments permanently.
  • Lifetime medical award: An amount of money to cover expenses incurred due to your injury, including home modifications and payment for ongoing medical care.
  • Vocational rehabilitation: If you are unable to return to your previous job but are still able to work in some way, you will receive vocational rehabilitation to help you do so.

Obtaining these benefits is often extremely challenging, especially in more severe cases. Therefore, the best thing you can do to increase your chances of getting the maximum compensation for your case is to work with a workers’ compensation attorney near you.

Workers Compensation Insurance Benefits

If you’ve ever been employed, you’ve certainly heard about workers’ compensation insurance. Maybe you are one of those who received workers comp from your employer.

How does worker compensation work in practice?

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Have you ever got ill or injured during your work or as a consequence of some hard job you do? If the answer is positive – you can be eligible for a workers’ compensation request. You may be worried that your claim won’t be covered, depending on who is to blame. But keep in mind that is no important as your situation may be. If you got sick, injured, or even disabled due to your work – you will probably qualify. But, nevertheless, it’s always better to ask than to suspect.

It is important to know that employers are obligated to pay the money to workers as compensation for their workers’ compensation insurance. Of course, there are advantages and disadvantages when taking this insurance. If you do not understand its working principles, you will hardly be able to make a good choice. Knowing how to qualify, as well as how does it work, is crucial when making a decision. Especially if you need to apply for workers’ compensation claim.

Basic Facts About Worker’s Compensation Insurance

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If you get injured on your working place, it is a common thing to report it to your chief or supervisor. You have the legal right to use medical care. If due to your trauma or injury, you’re not able to continue working, the employer mustn’t misuse you. He must provide an employee with money as he will be paid from the insurance fund. Do not forget that your health issues must be related to your job, or you won’t have the legal right to apply for compensation.

Consult With An Experienced Injury Lawyer

Even when you meet all the eligibility requirements, abuses will often occur. Not only employers are involved in abuses, but it’s also insurance companies, who are looking for ways to avoid the payment. That’s why it’s important to have an experienced injury lawyer. Injury lawyers know this legal terrain very well. If you hire one, you will not run into a problem with an insurance company that does not want to pay you compensation. Lawyers are well aware of the strategies and other legal defects that employers and insurance companies use to avoid paying benefits. According to Doehling Law, only with expert legal assistance can you anticipate such situations in advance, and respond in time. That way, you will certainly get a better deal.

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How Can You Qualify For Worker’s Compensation?

Sure, you need to be employed, without a doubt. But, there are some other criteria you need to fulfill for qualifying for worker’s compensation. These are some of them:

● You must be working for a company that offers and gives this type of insurance
● In case you’re applying for the insurance according to your illness, injuries or disability – that needs to be related to the job you do
● You must check up for deadlines and be acquainted with the regulations if you wish to fill or submit the claim
● If an employee dies while working, these compensation benefits can be paid out to his family or an authorized beneficiary

How Much Does Worker’s Compensation Insurance Pay?

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This depends on many factors. Primarily it depends on your injury and whether it was due to the work you do. It also depends on your workplace, meaning in what conditions are you working, where is your workplace located, etc. You must bear in mind that your compensation insurance will also pay for your medical care and the final figure will be influenced by these costs.

Pack your doctor in your bags before traveling

Traveling is a great way of expanding your horizons and perhaps the best use of your vacation days. However, we often forget about health precautions when we pack. Younger people often tend to travel carefree and this can lead to some very dangerous situations, not to mention expensive ones, especially when traveling abroad. The truth is that, regardless of our age, we need to take certain steps before embarking on a plane or a ship.

One of the first things you should do is have a doctor on call. Of course, this can be difficult in a foreign country, so you should have some sort of medical support online. To find the best medical advice and treatments when you’re abroad using a platform like yourdoctor.online.  They will provide you with medical care when you are away from home.

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Check with your doctor is there any vaccines or boosters you need for your location. Doctors keep an updated list of countries in risk and they can cross-reference it with your files to see if you need any extra shots.

Is there any risk regarding food or water where you are going? Some countries don’t have potable tap water and you have to use bottled water. Also, certain cultures can have cuisines that don’t agree with you. This information is critical and you have to do your research unless you want to risk gastroenteritis, hepatitis A, cholera or typhoid.

Incest is next on our list to consider when making travel plans. Mosquitos can carry diseases like malaria, dengue fever, zika virus and yellow fever. Ticks can transmit Lyme disease. Make sure you ask your doctor about the best ways to protect yourself from these risks if you are visiting a country known for such problems.

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If possible, it is always a good idea to have a small first aid kit available. When you traveling with children, this is especially important. It doesn’t have to be much, headache medication, antiseptic lotion, cotton wool, Band-Aids, SPF 30+ sunscreen and an appropriate insect repellent will usually do the trick, but having it and not needing it is far better than needing it and not having it. In this case, it is always better to err on the side of caution and pack even the things you may not need.

Chronic patients should make sure they have enough medication for the entire trip. Getting their prescription abroad will often be very hard, if not downright impossible, so it is smart to carry your small pharmacy with you. Explain to your doctor why you need extra medication and they will be happy to write you a prescription.

Finally, once you are backing home, it would be smart to monitor yourself for some symptoms, just in case you have picked up an illness while traveling. Things like fever, diarrhea, vomiting, swollen glands, or skin rashes can be symptoms of some rather serious diseases.

Health Insurance: a safeguard for health and financial risks

There is no one in this world who intentionally wants to get sick or hurt. Unfortunately, such an event is not predictable and can happen at any time. Most people will need medical care at one point in their life, and in case you do not have one, you can end up paying very high amounts for treatments and medical care, depending on the type of disease.

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Diseases which need many different types of medicine and medical gear, for instance, diabetes or cancer, can be very expensive over time. People without health insurance are exposed to these costs which could end up in high debts or the worst-case scenario bankruptcy. And as already mentioned, no one knows when such an unfortunate event will happen, and it is always better to be on the safe side and protected from high costs which could result from any medical treatment. Moreover, this is the best way for you and your family always to have the assurance that you will be taken care of in any medical case.

Types of health insurances in Thailand:

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In Thailand two different types of health coverages can be found, one funded by the government and one funded privately. The department of medical services at the ministry of public health funds the healthcare. Government hospitals, public health, and medical services are under the control of this ministry. Treatment is completely free for Thai citizens holding a universal coverage health card. The government-funded health care works as a basic type of health insurance, nevertheless, some drawbacks are linked with this type of health care.

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The capacity of the government hospitals can be exhausted at times, meaning that it can take a long time until a doctor has time to examine your medical condition. In case of a very serious disease or accident, waiting at the government hospital will make you lose to much valuable time, a few minutes more time could be already lifesaving in serious medical situations. In addition, facilities in public hospitals can be outdated or even nonexistent. In case of serious diseases, the government-funded health coverage is insufficient, is it advisable to get an additional privately funded health insurance.

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Private health insurance companies offer many different additional benefits such as no waiting time at private hospitals, appointments with the chief doctor or private hospital rooms. Private hospitals are well equipped with excellent medical facilities and staff. If you are in a severe medical situation, you will be in good hands in these hospitals.

Providers of private health insurance are AXAKrungthai, Bangkok Insurance, Muang Thai Life and Aetna.

In case you are interested to know more about health insurance in Thailand, see Rabbit finance.