Perceived discrimination against diabetics in the workplace and in work-related insurances in Switzerland.

To investigate the prevalence and risk factors of perceived diabetes-related discrimination in the workplace and in work-related insurances in persons with diabetes mellitus in Switzerland. 509 insulin-treated diabetic subjects representative of the northwestern Swiss population responded to a self-report questionnaire on perceived diabetes-related discrimination in the workplace and in work-related insurances (salary loss insurance, supplementary occupational plan). Discrimination was defined as being treated differently at least once in relation to diabetes. The reported rates of different aspects of discrimination in the workplace and in work-related insurances ranged between 5-11% and 4-15% respectively. Risk factors that independently increased the risk of not being hired due to diabetes were the presence of at least two severe hypoglycaemic events/year and relevant diabetic complications (OR 5.6 and OR 2.6 respectively; both<0.05). The presence of at least two severe hypoglycaemic events/year was also associated with an increased risk of losing one's job (OR 6.5, <0.01). Overweight or obesity were related to increased discrimination in work-related insurances (OR for denial 2.1-2.4; OR for reserve 3.9-4.4; all<0.05). Perceived diabetes-related discrimination in the workplace and by work-related insurances is a common problem. In the light of our findings the introduction of effective non-discrimination legislation for patients with chronic illnesses appears to be desirable.

Social insurances system's shortcomings : the example of the low-income young retirees' access to healthcare [Imperfections du système d'assurances sociales : l'exemple de l'accès aux soins des jeunes retraité(e)s à revenu modeste]

This article presents the results of a study involving 2445 recently retired persons from the Canton of Vaud in Switzerland who choose to forego health care. These persons of modest means barely qualify for government assistance programs and do not benefit from the social safety net that is provided to the truly destitute. 17.9% of the respondents to the questionnaire said that they forego health care for financial reasons. Interviews reveal the complex reasons that lie behind such a choice, as well as the compensation strategies that are sometimes used to get medical treatment. These strategies show that the people are able to act when the circumstances require them to do so. Despite that, their situation remains insecure. Cet article analyse les résultats d'une étude sur le renoncement aux soins menée auprès de 2445 Vaudois∙e∙s récemment retraité∙e∙s. Ces personnes de situation modeste sont proches des limites d'accès aux aides étatiques et ne bénéficient pas du même filet de protection sociale que d'autres plus démunies. 17.9% des répondant∙e∙s au questionnaire déclarent renoncer à des soins pour raisons financières. Des entretiens mettent en évidence la complexité du renoncement, ainsi que les stratégies compensatoires que les personnes adoptent pour accéder à certains soins. Ces dernières démontrent une capacité d'agir en situation qui reste toutefois précaire.

A chronological list of books and pamphlets, relating to the doctrine of chances and the rate of mortality, annuities, reversions, marine and fire insurances, and life-assurance; with the titles of the several parliamentary reports connected with friendly societies, and of publications relating to particular life-assurance offices.

Published also in the author's A familiar explanation of the nature, advantages, and importance of assurance upon lives ... London, 1842. 19 1/2 cm. p. 183-221.

A sketch of the Pennsylvania Company for Insurances on Lives and Granting Annuities, founded MDCCCIX.

Mode of access: Internet.

Os seguros na gestão de uma obra

Neste trabalho pretende-se evidenciar algumas práticas que podem e devem ser adotadas na direção de empreitadas, de modo a reduzir os riscos de uma obra através de uma gestão apropriada de seguros, acautelando, contudo, o equilíbrio entre o custo e respetivas coberturas. Os seguros de Construção, internacionalmente designados por “All risks” (todos os riscos de construção), são uma questão pouco explorada apesar da sua elevada importância para a atividade, pois os custos que possam decorrer de um sinistro poderão ter um impacto muito significativo para as empresas. Por vezes, estes seguros são encarados como mais um encargo e não como um mecanismo de gestão de Risco. Do conhecimento profundo que a empresa construtora detém sobre a particularidade da sua obra, esta procura todos os tipos de seguro que melhor se enquadram nas suas necessidades, que aliadas a pessoas especializadas na matéria, aconselham e gerem os seguros de obra, de maneira a que, em caso de ocorrência de um sinistro, não existam surpresas para o segurado. Por fim, é importante associar e entender a importância da relação que existe entre risco, interesse e seguro na gestão de uma obra.

A individualização do direito à saúde: contributos a partir de um olhar analítico

Este artigo de natureza ensaística procura contribuir para o desenvolvimento de argumentos já apresentados a respeito de reconfigurações ideológicas nas políticas de saúde. A partir de dimensões analíticas discute-se o espaço e implicações da individualização do direito à saúde no contexto de maior liberalização dos mercados e de maior exposição ao investimento privado lucrativo. A individualização do direito à saúde assume-se como contrária aos princípios éticos e morais consolidados entre os países ocidentais a partir da 2ª metade do séc. XX, em que o acesso aos cuidados passa gradualmente a estar dependente das condições individuais das famílias, não obstante o pagamento de impostos e outros seguros. Não só passa a existir espaço para formas desiguais de acesso ao direito à saúde, como o princípio da utilização racional que baseia esta reconfiguração é uma crença managerialista falaciosa e, em larga medida, irrealista. Esta discussão é ilustrada a partir de dados da OCDE, os quais demonstram tendências díspares a respeito desta dinâmica.

As fontes de informação online e a influência na reputação das organizações

Dissertação apresentada à Escola Superior de Comunicação Social como parte dos requisitos para obtenção de grau de mestre em Gestão Estratégica das Relações Públicas.

Seguros de pessoas

1. Personal insurances in the Portuguese law: life insurance and health insurance. 2. The protection of personal data in the Portuguese law, particularly the health data. 3. The access to the health data of the insured person in general and of the deceased in particular. 4. Typical cases.

Arquitectura corporativa de web services

Este proyecto consiste en la realización de un sistema informático que se encargue de ampliar la red comercial de una compañía de seguros a través de Internet. Para ello se utiliza la tecnología de web services, que nos permite efectuar transacciones de datos de manera rápida, fiable y segura. El web service que se ha diseñado se encarga de resolver y dar respuesta tanto a peticiones de solicitud de precios como de emisión de pólizas en varios ramos. El objetivo es ofrecer al cliente final un método sencillo y próximo de cotización y emisión de seguros.

Urologie [Trends in urology]

The systemic treatment of kidney cancers is promising regarding the first results of the inhibiting molecules of the angiogenesis. Projections in research are encouraging for more specific and sensitive markers of the prostate cancer. For this last the intermittent hormonotherapy improves the quality of life of the patients. The overweight control in infertility allows greater chances of giving birth. The morbidity of the kidney percutaneous surgery is decreased by the use of smaller tools. Reduction rate of reobstruction thanks to new manufactoring stents. The botulinic toxin for the hyperactive bladder refunded by the health insurances.

Vocational rehabilitation: a multidisciplinary intervention

Vocational rehabilitation is by definition a multidisciplinary intervention in a process linked to the facilitation of return to work or to the prevention of loss of the work. Clinical staff in contact with a person who has lost his job (general practitioner, specialized physician) must promote vocational rehabilitation. Medical rehabilitation for those with disabilities, whether new or old, has to be followed without delay by vocational rehabilitation. It is even better if these two intertwined processes are overlapping. They involve many professionals including physiotherapists, occupational therapists, psychologists, vocational trainers, job counsellors, teachers, case-managers, job placement agencies. Vocational rehabilitation has a financial cost, borne by many state organizations (security, social system, social affairs) as well as by employers and private insurances, which are in case of accident, concerned by this process. However, the evidence suggests that this is recouped 2- to 10-fold as suggested by the British Society of Rehabilitation Medicine

Psychiatrie sous double contrainte, enjeux de la planification en santé mentale [Psychiatry under double bind, issue of the planification in mental health]

Given the important modifications of the "Loi sur l'Assurance maladie (LAMal)", this article gives a contribution to the hospital planification by identifying the main factors that have determined the current organisation of the psychiatric care network. We notice a gap between the orientations of these networks and the funding scheme forecast in the framework of the LAMal. In order to preserve the progressions of these last years and to avoid the negative effects of a too restrictive funding act for the assignment of the public psychiatry, the planification must result in a consensus between the state, the insurances and the multiple actors of the mental health. Otherwise, this will be done to the detriment of the activities of secondary prevention, of coordination in the network, of support to the natural helpers, and of intervention to the vulnerable populations.

Gross – to – Net Payroll Calculation Program Human Resources Information System (HRIS), 2000

Gross-to-Net is a payroll calculator modeled after the actual payroll calculation used for state employees’ paychecks. This calculator can be used to project changes in net pay when there are changes in pay amounts, hours worked, mandatory and voluntary deductions, including all pre-tax deductions such as retirement, insurances, deferred compensation or flexible spending plans. Federal and state tax withholding, retirement rates, OASDI and Medicare (FICA) are calculated using current rates.

Gross to Net Calculator, November 2009

Gross-to-Net is a payroll calculator modeled after the actual payroll calculation program used for state employees’ pay warrants. This calculator can be used to project changes in deduction amounts and net pay when there are changes in pay amounts, hours worked, mandatory and voluntary deductions, including all pre-tax deductions such as retirement, insurances, deferred compensation or flexible spending plans. Federal and state tax withholding, retirement rates, OASDI and Medicare (FICA), and insurance deductions are calculated using current rates on HRIS Production. The Gross-to-Net Calculator is accessed through the employee’s timesheet. For instructions on accessing the timesheet, please refer to the HRIS Time Reporting System Manual. When viewing the timesheet, enter “GN” in the header action field to go to the calculator.

Human Resource Information System; Gross-to-Net Calculator, November 2009

Gross-to-Net is a payroll calculator modeled after the actual payroll calculation program used for state employees’ pay warrants. This calculator can be used to project changes in deduction amounts and net pay when there are changes in pay amounts, hours worked, mandatory and voluntary deductions, including all pre-tax deductions such as retirement, insurances, deferred compensation or flexible spending plans. Federal and state tax withholding, retirement rates, OASDI and Medicare (FICA), and insurance deductions are calculated using current rates on HRIS Production.