Implementing work accident and illness insurance
|
|
- Diane Reynolds
- 8 years ago
- Views:
Transcription
1 Implementing work accident and illness insurance Country: Estonia Partner Institute: PRAXIS Center for Policy Studies, Tallinn Survey no: (10)2007 Author(s): Agris Koppel, Ain Aaviksoo Health Policy Issues: Funding / Pooling Current Process Stages Idea Pilot Policy Paper Legislation Implementation Evaluation Change 1. Abstract Estonia has been searching for opportunities to introduce work accident and occupational disease insurance for 13 years. Today it is the priority of government and there is high need for such an insurance. Also, most stakeholders have already approved of the policy ideas. However, main issues about coverage levels and the management of insurance premiums are still to be discussed. It is not clear yet if there will be private companies involved or if management would be given to the public body. 2. Purpose of health policy or idea The purpose of the policy is to implement work accident and occupational disease insurance (WOI) in Estonia. The insurance should cover the risks of accidents, illhealth and incapacity to work connected to the working environment and working conditions. It is highly expected that introducing a system in which the employer pays for insurance premiums would increase the efficiency of prevention of occupational diseases through continous improvement of working environment and conditions. There are issues still to be solved about insurance coverage (is it retrospective or not) and management of funds as it could be organised by (existing) public organisations or private insurance companies. Main objectives The main objectives of implementing the WOI are: decrease the incidence of work accidents and occupational diseases through effective prevention activities at work places protect employees' income levels after a work accident or occupational disease has occured ensure equal rights and benefits for employees in situations of work accidents or occupational diseases ensure aid to employees for rehabilitation and quick return to work after work accidents and in case of occuptaional diseases ensure the financial sustainability of employers
2 Type of incentives The main financial incentives for both employees and employers are a higher financial protection in cases of work accidents or occupational diseases. Employees would have a reduced risk of loosing income due to illhealth after a work accident or in case of an occupational disease. Employers would have the opportunity of financial sustainability in situations of work accidents and when facing employees claims for remuneration in case of occupational disease. The main non-financial incentives are connected to increased safety of working environments and efficient prevention of work related illhealth. Groups affected Employees, Employers 3. Characteristics of this policy Degree of Innovation traditional innovative Degree of Controversy consensual highly controversial Structural or Systemic Impact marginal fundamental Public Visibility very low very high Transferability strongly system-dependent system-neutral The concept of work accidents and occupational health insurance is rather traditional as in many developed European countries such a security system for employees already exists. As discussions about such an insurance have been going on for more than 13 years already, there is a general consensus about implementing the system even if the final choice of private or public system has not yet been made. Beside the introduction of compulsory solidarity based health insurance and compulsory second-pillar pension insurance the development of WOI will have a rather fundamental meaning in the social system of Estonia as public guarantees would increase remarkably. Although the need for the WOI is known in society, the development of the system has been discussed only between bigger stakeholder organisations and public visibility has been neutral or even low. Also, the work accidents and occupational disease insurance system is quite system-dependent as it should fit into the existing social security system and be in consistence with public financing policy. 4. Political and economic background Currently, the preotection of employees against work accidents and occupational diseases is related to quite high costs. The main burden of these costs is carried by the health and social insurance systems. There are different benefits available for affected employees as described below. The Estonian Health Insurance Fund (EHIF) has the responsibility to reimburse 100% of the employees' income in case of incapacity to work due to work accidents or occupational diseases. However, EHIF has the opportunity to demand reimbursements of 20% of the above mentioned costs from the employer. EHIF is also paying for health services and reimburses the costs of medicines in case of work accident or occupational disease. In 2004 the cost of reimbursement for incapacity to work due to work accidents was 1.3 million Euros as reported by EHIF. In case of permanent incapacity for work or loss of provider due to work accident or occupational disease there are two pensions (allowances) paid by the Board of Social Insurance from the public pension budget: - 2 -
3 incapacity pension survivor's pension In addition to the above described main allowances there are special conditions and orders to pay pensions to employees according to the Law of Obligations Act. Employers have the possibility to buy optional insurance coverage against work accidents and occupational disease. Since these premiums are handled by Income Tax Law as fringe benefits, employers are not interested in such contracts. Therefore, employees have been complaining for many years about low protection levels against health risks due to work accidents and occupational disease. Employers have had no interest to do risk management due to the high taxes following investements into health prevention for employees. Complies with EU regulations - The basis for the insurance system comes from the European Social Charter 5. Purpose and process analysis Idea Pilot Policy Paper Legislation Implementation Evaluation Change Origins of health policy idea Discussions about implementing the working accidents and occupational health insurance already started 13 years ago. The first draft of the insurance concept based on the public insurance scheme,. However, already in 1998 a common statement of employees, employers and government was achieved claiming that the new system should base on the private insurance scheme. The first law of work accidents and occupational disease insurance was prepared by the Ministry of Financial Affairs. It was proceeded by parliament from 2001 to 2003 when the Ministry of Social Affairs withdraw the further discussions of the law. The central councelling body of the work accidents and occupational disease insurance is proposed to be created and it should involve the representatives of employees, employers, government, insurers and other stakeholders. Until today there is no such body created and no common principles are discussed. Initiators of idea/main actors Government Patients, Consumers Private Sector or Industry Approach of idea The approach of the idea is described as: renewed: The WOI is well developed in European Union countries Innovation or pilot project Else - There is no relevant innovation experiences regarding to WOI - 3 -
4 Stakeholder positions There have been many discussions about work accidents and occupational health insurance for many years. There are also many stakeholder groups who have been presenting there interests in working groups as well as in the media. At last the concept of the need for work accidents and occupational health insurance system in Estonia is commonly excepted. In the government and within political parties there are differing views on whether to implement the public or private insurance system: right-side parties support more involvement of private insurers and left-wing parties support the public insurance organisation. The private insurance system is thought to be more effective and supports the development of working conditions as higher premiums are charged from employers with higher risks in working environments. The main supportive argument for the public insurance system is said to be the sustainability of the system, but there are lower motivations for employers if risk premiums do not depend on the risk levels of working environments. Employees are highly interested in a quick implementation of the insurance system, but one of the concerns is the coverage level of people who already have the illnesses due to work accidents or occupational diseases. One of the ideas in the concept is that current beneficiaries continue to get health benefits and compensations from present sources, but these funds are limited and do not satisfy the needs of patients. Employers are somewhat interested in the implementation of the work accidents and occupational disease insurance system, but they are mainly afraid about rising workforce costs due to increasing risk premiums. There is also the idea that together with the implementation of the WOI, there is a need to decrease the share of health insurance tax (currently 13%) by 1-2%, but this idea is not supported by politicians and consumer groups. It is also interesting to note that in 2003 employers started to support the insurance scheme based on public insurance (compulsory solidarity-based system) while before they had also been supporting the system based on private insurance. Actors and positions Description of actors and their positions Government Ministry of Social Affairs very supportive strongly opposed Patients, Consumers Trade unions very supportive strongly opposed Private Sector or Industry Employers association very supportive strongly opposed Influences in policy making and legislation The work accidents and occupational disease insurance will be implemented by the new law which is not ready for public discussions yet. So far, there is only the concept of the idea. If government makes a positive decision on the implementation of the insurance, the law will be written by the Ministry of Social Affairs. Legislative outcome n/a Actors and influence Description of actors and their influence Government Ministry of Social Affairs very strong none Patients, Consumers Trade unions very strong none - 4 -
5 Private Sector or Industry Employers association very strong none Positions and Influences at a glance Adoption and implementation There is no implementation plan yet regarding to the work accidents and occupational disease insurance as there has not been a government decision. The concept has been mainly prepared by the Ministry of Social Affairs and discussed with the main stakeholders. Also, the new governement has so far not even discussed the concept of insurance system. Monitoring and evaluation There are no plans for monitoring and evaluating the implementation process of WOI in Estonia. Results of evaluation n/a 6. Expected outcome In experts' opinion the work accidents and occupational disease insurance is highly needed in Estonia. There is high need for lowering health risks in working environments and for increasing the volume of rehabilitation services for patients suffering from work-related illnesses
6 However, there are issues to be solved during the oncoming preparatory work: choosing between the private or public insurance scheme and finding the best solution in the balance between the existing health insurance tax and the future burden of WOI premiums on employers. Certainly, there is involvement of stakeholders needed in the future when the law is prepared by the Ministry of Social Affairs. While patients are interested in higher security against work-related illnesses or disability, employers' concerns should also be taken into account as increasing work-force costs may affect the sustainability and development capacities of organisations. An interesting debate about private or public insurance is to be expected as Estonia has had successful experiences with both strategies - the sustainable development of the public legal body of the Estonian Health Insurance Fund or introducing compulsory traffic or second-pillar pension insurance systems on the basis of private organisations. Quality of Health Care Services marginal fundamental Level of Equity system less equitable system more equitable Cost Efficiency very low very high Today it is hard to see the impact of implementing WOI on the quality of health services and cost efficiency, but the development of a more equitable system for beneficiaries of work-related illnesses could be expected. 7. References Sources of Information The main sources of information have been clerks of the Ministry of Social Affairs, the database of legislative acts of Parliament, and the media. The importance given to the topic of work accidents and occupational disease insurance by the parliamentary parties has been recognised during interviews with parties' representatives. Author/s and/or contributors to this survey Agris Koppel, Ain Aaviksoo Suggested citation for this online article Agris Koppel, Ain Aaviksoo. "Implementing work accident and illness insurance". Health Policy Monitor, October Available at -
Performance Payment for Family Physicians
Performance Payment for Family Physicians Country: Estonia Partner Institute: PRAXIS Center for Policy Studies, Tallinn Survey no: (6)2005 Author(s): Ain Aaviksoo Health Policy Issues: Remuneration / Payment
More informationRisk equalizing schemes - the next chapter
Risk equalizing schemes - the next chapter Country: Slovenia Partner Institute: Institute of Public Health of the Republic of Slovenia, Ljubljana Survey no: (7)2006 Author(s): Tit Albreht Health Policy
More informationElectronic prescriptions and patient records
Electronic prescriptions and patient records Country: Finland Partner Institute: National Institute for Health and Welfare (THL), Helsinki Survey no: (9)2007 Author(s): Lauri Vuorenkoski, STAKES Health
More informationGeneric substitution of prescription drugs
Generic substitution of prescription drugs Country: Finland Partner Institute: National Institute for Health and Welfare (THL), Helsinki Survey no: (2)2003 Author(s): Ilmo Keskimäki and Lauri Vuorenkoski
More informationMandatory deductible in basic health insurance
Mandatory deductible in basic health insurance Country: Netherlands Partner Institute: University of Maastricht, Department of Health Organization, Policy and Economics (BEOZ) Survey no: (11)2008 Author(s):
More information2. The stable patient case - in case when the circumstances of their health condition are neither sudden nor urgent (causing emergency).
Criteria to choose patients from waiting lists Country: Poland Partner Institute: Institute of Public Health, Jagiellonian University Medical College, Krakow Survey no: (6)2005 Author(s): Iwona Kowalska
More informationAccountable Care Organizations and Health Reform
Accountable Care Organizations and Health Reform Country: USA Partner Institute: Johns Hopkins Bloomberg School of Public Health, Department of Health Policy and Management Survey no: (16)2010 Author(s):
More informationMunicipal co-payment for health care services
Municipal co-payment for health care services Country: Denmark Partner Institute: University of Southern Denmark, Odense Survey no: (10)2007 Author(s): Ankjær-Jensen, Anni and Terkel Christiansen Health
More informationThe State Of Electronic Health Records: A Strategic Plan For Ails You
Implementing Electronic Health Records: An Update Country: USA Partner Institute: Johns Hopkins Bloomberg School of Public Health, Department of Health Policy and Management Survey no: (10)2007 Author(s):
More informationPrivate Health Insurance: more products
Private Health Insurance: more products Country: Australia Partner Institute: Centre for Health, Economics Research and Evaluation (CHERE), University of Technology, Sydney Survey no: (8)2006 Author(s):
More informationHealth financing reform idea: health fund
Health financing reform idea: health fund Country: Germany Partner Institute: Bertelsmann Stiftung, Gütersloh Survey no: (7)2006 Author(s): Melanie Zimmermann, reviewers: Reinhard Busse, Sophia Schlette
More informationNew health insurance system
New health insurance system Country: Netherlands Partner Institute: Institute of Health Policy & Management, Erasmus University Rotterdam Survey no: (4)2004 Author(s): Jos Holland and André den Exter,
More informationHealth & the economic crisis: the Australian case
Health & the economic crisis: the Australian case Country: Australia Partner Institute: Centre for Health, Economics Research and Evaluation (CHERE), University of Technology, Sydney Survey no: (14) 2009
More informationUniversal Dental Health Scheme
Universal Dental Health Scheme Country: Australia Partner Institute: Centre for Health, Economics Research and Evaluation (CHERE), University of Technology, Sydney Survey no: (13) 2009 Author(s): Gallego,
More informationBenchmarking hospital productivity
Benchmarking hospital productivity Country: Finland Partner Institute: National Institute for Health and Welfare (THL), Helsinki Survey no: (7)2006 Author(s): Miika Linna Health Policy Issues: System Organisation/
More informationPublic insurance for dental care for chidren
Public insurance for dental care for chidren Country: Israel Partner Institute: The Myers-JDC-Brookdale Institute, Jerusalem Survey no: (16)2010 Author(s): Nir Kaidar, Tuvia Horev and Bruce Rosen Health
More informationRestricting supplemental insurance services
Restricting supplemental insurance services Country: Israel Partner Institute: The Myers-JDC-Brookdale Institute, Jerusalem Survey no: (10)2007 Author(s): Gross, Revital and Shuli Brammli-Greenberg Health
More informationMajor reductions in taxes on alcohol beverages
Major reductions in taxes on alcohol beverages Country: Finland Partner Institute: National Institute for Health and Welfare (THL), Helsinki Survey no: (5)2005 Author(s): Christoffer Tigerstedt, DPolSci,
More informationAccess to dental care in Australia
Access to dental care in Australia Country: Australia Partner Institute: Centre for Health, Economics Research and Evaluation (CHERE), University of Technology, Sydney Survey no: (5)2005 Author(s): Marion
More informationUpdate on the Integrated Hospital-Community EMR
Update on the Integrated Hospital-Community EMR Country: Israel Partner Institute: The Myers-JDC-Brookdale Institute, Jerusalem Survey no: (12) 2008 Author(s): Nirel, Nurit and Revital Gross Health Policy
More informationThe Denia Project: Concession for integrated HC
The Denia Project: Concession for integrated HC Country: Spain Partner Institute: Centre de Recerca en Economia i Salut (CRES), Universitat Pompeu Fabra, Barcelona Survey no: (6)2005 Author(s): Dr. Fidel
More informationPossibilities for Sustainable Financing of the Estonian Social Insurance System. Priit Kruus. Presentation at EHMA Annual Conference Bern,15.06.
Possibilities for Sustainable Financing of the Estonian Social Insurance System Priit Kruus Presentation at EHMA Annual Conference Bern,15.06.2012 Conducted by: Praxis Centre for Policy Studies Project
More informationMore changes to private health insurance Australia
More changes to private health insurance Australia Country: Australia Partner Institute: Centre for Health, Economics Research and Evaluation (CHERE), University of Technology, Sydney Survey no: (12) 2008
More informationHow To Sell Medibank Private
Sale of Medibank Private Country: Australia Partner Institute: Centre for Health, Economics Research and Evaluation (CHERE), University of Technology, Sydney Survey no: (8)2006 Author(s): Marion Haas Health
More informationPre-existing condition coverage post-health reform
Pre-existing condition coverage post-health reform Country: USA Partner Institute: Johns Hopkins Bloomberg School of Public Health, Department of Health Policy and Management Survey no: (16)2010 Author(s):
More informationIndependent treatment centers in the Netherlands
Independent treatment centers in the Netherlands Country: Netherlands Partner Institute: University of Maastricht, Department of Health Organization, Policy and Economics (BEOZ) Survey no: (11)2008 Author(s):
More informationNew guidelines on aesthetic treatment
New guidelines on aesthetic treatment Country: Singapore Partner Institute: Department of Epidemiology and Public Health, National University of Singapore Survey no: (12) 2008 Author(s): Lim Meng Kin Health
More informationProgram of All-Inclusive Care for the Elderly
Program of AllInclusive Care for the Elderly Country: USA Partner Institute: Johns Hopkins Bloomberg School of Public Health, Department of Health Policy and Management Survey no: (13) 2009 Author(s):
More informationIdea Pilot Policy Paper Legislation Implementation Evaluation Change
Medical Indemnity Country: Australia Partner Institute: Centre for Health, Economics Research and Evaluation (CHERE), University of Technology, Sydney Survey no: (1)2003 Author(s): Marion Haas Health Policy
More informationHow To Improve Health Care In California
The Expert Patient Programme in Catalonia Country: Spain Partner Institute: University of Barcelona Survey no: (16)2010 Author(s): María González Ortega Health Policy Issues: System Organisation/ Integration
More informationHealth Human Resources & Foreign Medical Graduates
Health Human Resources & Foreign Medical Graduates Country: Canada Partner Institute: Centre for Health Economics and Policy Analysis, McMaster University, Hamilton Survey no: (15) 2010 Author(s): Michel
More informationElectronic medical records
Electronic medical records Country: France Partner Institute: Institut de Recherche et Documentation en Economie de la Santé (IRDES), Paris Survey no: (8)2006 Author(s): Chantal Cases, Philippe Le Fur
More informationHospital-community electronic medical record
Hospital-community electronic medical record Country: Israel Partner Institute: The Myers-JDC-Brookdale Institute, Jerusalem Survey no: (6)2005 Author(s): Nirel Nurit, Rosen Bruce, Gross Revital Myers-JDC-Brookdale
More informationInstitute for Work & Health
April 25, 2010 Institute for Work & Health United Kingdom Description of the organization of the occupational health and safety system and the delivery of prevention services Report to the Expert Advisory
More informationA Model for Mental Health Integration
A Model for Mental Health Integration Country: USA Partner Institute: Department of Behavioral Science and Health Education, Rollins School of Public Health, Emory University Survey no: (14) 2009 Author(s):
More informationSmoking cessation in Leumit Health Fund
Smoking cessation in Leumit Health Fund Country: Israel Partner Institute: The Myers-JDC-Brookdale Institute, Jerusalem Survey no: (13) 2009 Author(s): Kitai E., Vardy D., Margalit A., Brami J., Matz E.,
More informationHealth reform - one year after implementation
Health reform one year after implementation Country: Netherlands Survey no: (9)2007 Reported by: University of Maastricht, Department of Health Organization, Policy and Economics (BEOZ) Health Policy Issues:
More informationEMPLOYMENT INJURY COMPENSATION: INTERNATIONAL TRENDS, CHALLENGES. Rationale for a Study on EI in Southern and Eastern Africa
EMPLOYMENT INJURY COMPENSATION: INTERNATIONAL TRENDS, CHALLENGES Rationale for a Study on EI in Southern and Eastern Africa SUMMARY What is Employment Injury Social Insurance Trends and challenges of EI
More informationNATIONAL WORKERS COMPENSATION AND OCCUPATIONAL HEALTH AND SAFETY FRAMEWORKS
NATIONAL WORKERS COMPENSATION AND OCCUPATIONAL HEALTH AND SAFETY FRAMEWORKS SUBMISSION TO THE PRODUCTIVITY COMMISSION FROM THE BUSINESS COUNCIL OF AUSTRALIA 1 INTRODUCTION SUBMISSION The BCA makes the
More informationRecycling Unused Cancer Drugs
Recycling Unused Cancer Drugs Country: USA Partner Institute: Department of Behavioral Science and Health Education, Rollins School of Public Health, Emory University Survey no: (13) 2009 Author(s): Elena
More informationWider Implementation of Telemedicine in Estonia
Wider Implementation of Telemedicine in Estonia A summary of the study s results Full version (in Estonian) accessible at: http://www.praxis.ee/index.php?id=1140 Contact: priit.kruus@praxis.ee Authors:
More informationHealth Care in Estonia. Kadri Eisenschmidt Health Care and Communications Department Estonian Health Insurance Fund 01.02.2016
Health Care in Estonia Kadri Eisenschmidt Health Care and Communications Department Estonian Health Insurance Fund 01.02.2016 Health insurance in Estonia Estonian health insurance is a social insurance
More informationSocial Security System in Thailand Policy and Planning Division Social Security Office
Social Security System in Thailand Policy and Planning Division Social Security Office Outline Social Security Scheme in Thailand: Introduction and Historical Background Administration of the SSO Social
More information1/ The project presented by the IPSAS cannot be examined without recalling the context as to the operation and principles of French social security:
Response of the French social security board concerning the consultation of the IPSAS Board on the information pertaining to the long-term sustainability of public finances 1/ The project presented by
More informationBetter Factories Cambodia
Cambodia: Moving forward toward Better Social Security Better Factories Cambodia Social Security An Overview The 1948 United Nations Universal Declaration of Human Rights stipulates that everyone, as a
More informationOptus Submission to Productivity Commission Inquiry into National Frameworks for Workers Compensation and Occupational Health and Safety
Optus Submission to Productivity Commission Inquiry into National Frameworks for Workers Compensation and Occupational Health and Safety June 2003 Overview Optus welcomes the opportunity to provide this
More informationPOLICY FOR THE MANAGEMENT OF ABSENCE DUE TO SICKNESS
Directorate of Organisational Development & Workforce POLICY FOR THE MANAGEMENT OF ABSENCE DUE TO SICKNESS Reference: OWP007 Version: 1.0 This version issued: 31/05/12 Result of last review: N/A Date approved
More informationColombia. Old Age, Disability, and Survivors. Regulatory Framework. Qualifying Conditions. Coverage. Source of Funds. Colombia
Colombia Exchange rate: US$1.00 equals 2,338.14 pesos. Old Age, Disability, and Survivors First law: 1946, implemented in 1965. Current law: 1993 (social insurance), implemented in 1994, with 2003 amendments.
More informationWORKERS REHABILITATION AND COMPENSATION BILL 2009 SECOND READING SPEECH. Mr Speaker, I move that this Bill now be read for a second
WORKERS REHABILITATION AND COMPENSATION BILL 2009 SECOND READING SPEECH Mr Speaker, I move that this Bill now be read for a second time. Mr Speaker, this is a Bill to amend the Workers Rehabilitation and
More informationNo. prev. doc.: 8770/08 SAN 64 Subject: EMPLOYMENT, SOCIAL POLICY, HEALTH AND CONSUMER AFFAIRS COUNCIL MEETING ON 9 AND 10 JUNE 2008
COUNCIL OF THE EUROPEAN UNION Brussels, 22 May 2008 9636/08 SAN 87 NOTE from: Committee of Permanent Representatives (Part 1) to: Council No. prev. doc.: 8770/08 SAN 64 Subject: EMPLOYMENT, SOCIAL POLICY,
More informationDECENT WORK Ministry of Social Development ACTIVITIES DESCRIPTION LEAD CSF 1 ALLOCATION
DECENT WORK Ministry of Social Development ACTIVITIES DESCRIPTION LEAD CSF 1 ALLOCATION Monitoring reports to A series of monitoring reports produced to analyse Ministry of Social Development 17, 18 estimate
More informationHISTORIC SCOTLAND HEALTH AND SAFETY ANNUAL REPORT FOR 2006-07
HISTORIC SCOTLAND HEALTH AND SAFETY ANNUAL REPORT FOR 26-7 1 INTRODUCTION 1.1 Managing corporate risks is a key issue for all organisations. One key risk is the health and safety of our staff and others
More informationQuestions and Answers on Universal Health Coverage and the post-2015 Framework
Questions and Answers on Universal Health Coverage and the post-2015 Framework How does universal health coverage contribute to sustainable development? Universal health coverage (UHC) has a direct impact
More informationCreation of an IT-based health care platform
Creation of an IT-based health care platform Country: Switzerland Partner Institute: Università della Svizzera Italiana, Lugano Survey no: (6)2005 Author(s): Marzio Della Santa, Ignazio Cassis, Lorenza
More informationFirst and current law: 1965 (social security fund), with amendments.
Page 1 of 6 Social Security Programs Throughout the World: Africa, 2009 You are here: Social Security Online > Research, Statistics, & Policy Analysis > Program Descriptions > Social Security Programs
More informationWorker's Compensation Insurance in Wisconsin THE SYSTEM, THE BENEFITS, THE COSTS A REFERENCE GUIDE FOR EMPLOYERS
Worker's Compensation Insurance in Wisconsin THE SYSTEM, THE BENEFITS, THE COSTS A REFERENCE GUIDE FOR EMPLOYERS This guide is intended to provide a general, non-technical explanation to help employers
More informationCompensation of occupational diseases related to asbestos
International Social Security Association Cycle of seminars on the challenges of occupational diseases worldwide Seminar III: Respiratory diseases in Asia: Reporting, recording, prevention and rehabilitation
More informationAGREEMENT BETWEEN THE REPUBLIC OF ESTONIA AND AUSTRALIA ON SOCIAL SECURITY
AGREEMENT BETWEEN THE REPUBLIC OF ESTONIA AND AUSTRALIA ON SOCIAL SECURITY The Republic of Estonia and Australia (hereinafter the Contracting Parties ), Wishing to strengthen the existing friendly relations
More informationRehabilitation and Return to Work Policy. Overview. Purpose. Scope. Policy
Rehabilitation and Return to Work Policy Overview At NBN Co we are safe, disciplined and reliable. We act on our responsibilities to identify and remove potential and recognised risk to a healthy and safe
More informationA Belgian cooperation platform www.coopami.org. Thomas Rousseau NIHDI - COOPAMI. Thomas Rousseau
A Belgian cooperation platform www.coopami.org Thomas Rousseau NIHDI - COOPAMI Thomas Rousseau NIHDI 14-01-2013 - COOPAMI 2 Contributif Social security What i m going to talk about Presentation: only on
More informationLegislative Objective Education & Workforce Training
Association of Washington Business 2015-16 Legislative Agenda Education & Workforce Training AWB understands and acknowledges the challenges that lie ahead in the 2015-17 legislative biennium to fund basic
More informationSummary of Social Security and Private Employee Benefits MALAYSIA
Private Employee Benefits MALAYSIA 2013 Your Local Link to IGP in MALAYSIA: AIA Bhd. AIA Bhd. is a leading insurer in Malaysia, where it has been doing business since 1948. It offers a suite of high-quality
More informationThe role of the Socialist Mutual Health fund in the management of the Belgian healthcare system
The role of the Socialist Mutual Health fund in the management of the Belgian healthcare system Basic principles and key features Department of European and International Affairs Alain Coheur Presentation
More informationComcare, the Safety, Rehabilitation and Compensation Commission, and the Seafarers Safety, Rehabilitation and Compensation Authority
Comcare, the Safety, Rehabilitation and Compensation Commission, and the Seafarers Safety, Rehabilitation and Compensation Authority Agency Resources and Planned Performance COMCARE, THE SAFETY, REHABILITATION
More informationHow To Get Insurance In Finland
Insurance against an accident at work or occupational disease for employees coming to Finland Content: If you are coming to Finland from another EU member state 4 If you are coming to Finland from outside
More informationInstitute for Work & Health
April 15, 2010 Institute for Work & Health Germany Description of the organization of the occupational health and safety system and the delivery of prevention services Report to the Expert Advisory Panel
More informationThe social security system is organized and implemented at national level by state bodies/ public institutions.
1 March 2009 PRESENTATION OF THE CROATIAN PENSION SYSTEM Croatian social security system is mostly the insurance based, with exception of family benefits (children allowance- doplatak za djecu) and the
More informationIntroduction... Distinctive Features of the Benefits Environment... Key Changes in Recent Years...
Table of Contents Introduction... Distinctive Features of the Benefits Environment... Key Changes in Recent Years... 2 3 4 Statutory/Mandatory Programs... 5... 5 Retirement Benefits... 6 Death Benefits...
More informationThe following is a brief summary of the salient features of each system. 2
Appendix F International schemes Introduction The Committee, in taking stock of the operation of Military Rehabilitation and Compensation Act 2004 (MRCA), examined models of military compensation applying
More informationLEGISLATIVE COUNCIL BRIEF. Resolution of the Legislative Council under Section 48A of the Employees Compensation Ordinance, Cap 282
LEGISLATIVE COUNCIL BRIEF Resolution of the Legislative Council under Section 48A of the Employees Compensation Ordinance, Cap 282 Resolution of the Legislative Council under Section 40 of the Pneumoconiosis
More informationGovernment of India Ministry of Labour and Employment
Government of India Ministry of Labour and Employment NATIONAL POLICY ON SAFETY, HEALTH AND ENVIRONMENT AT WORK PLACE 1. PREAMBLE 1.1 The Constitution of India provide detailed provisions for the rights
More informationthe compensation myth
the compensation myth The Compensation Myth It is common to hear stories of the Compensation Culture or claims that Britain is becoming Risk Averse as a result of people claiming compensation. The truth
More informationAccident Compensation Corporation. Personal Injury Insurance for all New Zealanders
Accident Compensation Corporation Personal Injury Insurance for all New Zealanders Find out how the ACC Scheme works and how you can have your say on what you pay Deadline for submissions 5.00 pm, 10 November
More informationEuropean Forum for Renewable Energy Sources
1 / 6 29 July 2014 Dear Member of Parliament, Dear Member of EUFORES, Dear energy expert, Following the May elections of the European Parliament, EUFORES is in the process of reestablishing its core group
More informationPersonal insurance for your company One-stop pension and insurance solutions
Personal insurance for your company One-stop pension and insurance solutions Personal insurance with comprehensive protection You bear the responsibility for your company and your employees. And you have
More informationThe Republic of Estonia Health Insurance Act
The Republic of Estonia Health Insurance Act Passed on 12 June 1991 Entered into force 1 January 1992 (RT 1991, 23,272) Amended by the following Acts: 04.05.1992, 22.03.1994, 18.03.1997,09.12.1998, 18.02.1999,
More informationTHE POLITICS OF WORKERS' COMPENSATION
THE POLITICS OF WORKERS' COMPENSATION Workers' compensation laws meet not only the interests of workers, but also those of the state and capital. The following article looks at workers' compensation within
More informationWorkers Compensation and Rehabilitation and other Legislation Amendment Bill 2015
Submissions regarding Workers Compensation and Rehabilitation and other Legislation Amendment Bill 2015 Workers Compensation and Rehabilitation (Protecting Firefighters) Amendment Bill 2015 United Firefighters
More informationThe Manifesto of the ACC Futures Coalition
The Manifesto of the ACC Futures Coalition Introduction The ACC Futures Coalition consists of community groups, academics, organisations representing people who need support from ACC, health treatment
More informationCOMPULSORY GROUP LIFE ASSURANCE POLICY
INSURANCE AND YOU (No.7) COMPULSORY GROUP LIFE ASSURANCE POLICY PREAMBLE Since the passage of the Pensions Act 2004, the world of Life Assurance business has assumed a different but interesting meaning.
More informationComparative Review of Workers' Compensation Systems in Select Jurisdictions
of Workers' Compensation Systems in Select Jurisdictions JURISDICTION: WASHINGTON ENVIRONMENT Population Size 5.5 million in 1996. Labor Force 2.8 million in 1996. Demographic and Economic Indicators The
More informationFellowship Program for Georgian Public Policy Analysts Policy Papers 03/07
C I P D D Fellowship Program for Georgian Public Policy Analysts Policy Papers 03/07 SUPPORTING SOCIAL INTEGRATION OF ADULTS WITH INTELLECTUAL DISABILITIES IN GEORGIA FROM THE PERSPECTIVE OF POLISH EXPERIENCE
More informationHealth & Safety Law. Part 2: Workers Compensation Law & Injury Management. Workers Compensation Law
Health & Safety Law Part 2: Workers Compensation Law & Injury Management Workers Compensation Law The Accident Compensation Act 1985; Accident Compensation (WorkCover Insurance) Act 1993; and, Workers
More informationTaxation of Pension Schemes
20 March 2007 Taxation of Pension Schemes Consultation Response Document Issued by: 2 nd Floor Government Office Buck s Road Douglas IM1 3TX Index Page 1. Introduction...3 2. Consultation...3 3. Executive
More informationFinancial Sustainability of a Health Insurance Fund for Kosovo. Edmond Muhaxheri American University in Kosovo
Financial Sustainability of a Health Insurance Fund for Kosovo Content... Current situation Draft law on health insurance Health sector financing methods Proposed approach Assumptions used and possible
More informationThe Role of Occupational Health in the Management of Absence Attributed to Sickness
Electricity Industry Occupational Health Advisory Group Guidance Note 1.2 The Role of Occupational Health in the Management of Absence Attributed to Sickness The Occupational Health Advisory Group for
More informationInsurance Tax Act 1. Section 1 Tax basis
Insurance Tax Act 1 Date of signature: 8 April 1922 Full citation: Insurance Tax Act as published on 10 January 1996 (Federal Law Gazette I, p. 22), most recently amended by Article 1 of the Act of 5 December
More informationDEFEND THE RIGHT OF INDEPENDENT LIVING. Action toolkit for an EU Parliament Resolution
DEFEND THE RIGHT OF INDEPENDENT LIVING Action toolkit for an EU Parliament Resolution This initiative is supported by the working group Defend the Right of Independent Living : INTRODUCTION On the occasion
More informationCROWN EMPLOYEES (POLICE OFFICERS DEATH AND DISABILITY) AWARD 2005
(1851) SERIAL C4235 CROWN EMPLOYEES (POLICE OFFICERS DEATH AND DISABILITY) AWARD 2005 INDUSTRIAL RELATIONS COMMISSION OF NEW SOUTH WALES Application by New South Wales Police. (No. IRC 6040 of 2005) Before
More informationWork Injury: Benefits, 2010
Austria Belgium Temporary disability The insured receives the cash sickness benefit until a decision on permanent disability is made. The employer pays 100% of earnings for up to 12 weeks (plus additional
More informationNATIONAL INSURANCE BROKERS ASSOCIATION OF AUSTRALIA (NIBA) Submission to WorkCover Western Australia. Legislative Review 2013
NATIONAL INSURANCE BROKERS ASSOCIATION OF AUSTRALIA (NIBA) ABOUT NIBA Submission to WorkCover Western Australia Legislative Review 2013 February 2014 NIBA is the peak body of the insurance broking profession
More informationEU Employment Law Euro Info Centre December 2006
EU Employment Law Euro Info Centre December 2006 CONTENTS EU Employment Law 2 1. Anti-discrimination 2 2 2 2. Equal treatment of men and women in the workplace 3 3 3 3. Fixed and part time work including
More informationInsured through your work
Insured through your work The information is applicable to staff employed by municipalities, county councils, regions, the Church of Sweden, etc. English/Engelska 2009 You are insured through your employment!
More informationManual Handling: Current Strategies at Workplace Level
Manual Handling: Current Strategies at Workplace Frank Power Inspector (Projects Manager) February 2012 Manual Handling Defined: Any transporting or supporting of a load by one or more employees which
More informationSelf-employed Persons Voluntary Accident Insurance
PRODUCT DESCRIPTION Valid as of 1 January 2013 Self-employed Persons Voluntary Accident Insurance Low-cost cover for self-employed persons in case of accidents Given that self-employed persons and entrepreneurs
More informationCONSTRUCTION HEALTH AND SAFETY, AND INJURY PREVENTION Research and develop accident and incident investigation procedures on construction sites
1 of 7 level: 4 credit: 4 planned review date: December 2003 sub-field: purpose: Construction People credited with this unit standard are able to: research accident and/or incident investigation and reporting
More information