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Financial aspects of farm injuries and occupational diseases in Finland.
Eskola E; Rautiainen R; Saarimaki P
NIOSH Agricultural Health and Safety Conference, April 28-30, 2000, Cooperstown, New York. Washington, DC: National Institute for Occupational Safety and Health, 2000 Apr; :1
Finnish farmers are covered by mandatory employment accident insurance and population based data on injuries, occupational diseases, and their costs exist from 1982. The total number of insured farmers on 1/1/1996 was 141,886. The total cost of the insurance was $ 25 million USD. The cost consists of medical expenses (15 %), lost earnings compensation (36 %), accident pensions (32 %), survivors pensions (3 %), inconvenience allowance (7 %), and rehabilitation and other benefits (7 %). Farmers pay approximately one third of the cost as premiums. One third is paid by the national health insurance and one third by the state. The premium rate is 0.84 % of the calculated farm income. In 1996, 10,078 injuries and 942 occupational diseases were compensated. The average cost per case was $1,370 for injuries and $4,238 for occupational diseases. The most costly types of injuries were upper limb injuries ($1,700). The most costly types of occupational diseases were asthma caused by organic dust ($14,173) and hypersensitivity pneumonitis ($12,830). Based on multivariate analysis, the best predictors for injury cost were length of disability, farm income, employment income, business income, injury type and cause, which explained 81 % of the variability in injury cost.
Agriculture; Agricultural-workers; Agricultural-industry; Farmers; Injuries; Occupational-diseases; Disabled-workers; Organic-dusts; Bronchial-asthma; Hypersensitivity
Abstract; Conference/Symposia Proceedings
NIOSH Agricultural Health and Safety Conference, April 28-30, 2000, Cooperstown, New York
Department of Occupational and Environmental Health, The University of Iowa, Iowa City, IA