Personal Health Insurance Over 60

Injuries highest in health care field

Nova Scotia’s most-injured workers are not loggers with cracked skulls.

They’re not construction workers who fall from scaffolding, and they don’t use heavy machinery or industrial chemicals.

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Instead, picture scrubs, immobile patients and slipped discs.

Picture Donna Green of Donkin. She was 39 when she tried to readjust a heavy patient who had slid down in bed. The resulting back injury ended her career as a nurse.

Eight years later, the Cape Breton woman can only stand for 10 minutes at a time, drive for half an hour at a time, and will be receiving wage replacement workers’ compensation until she’s 65.

When her grandchildren called a couple of nights ago and asked her to come over and play, she had to say no.

The strained muscles and other occupational mishaps suffered by health-care workers have made their industry the most dangerous in the province, according to Workers’ Compensation Board of Nova Scotia data.

As the sector has climbed to the top of the board’s injury charts over the past decade, its sky-high insurance premiums have also put an increasing burden on taxpayers and on struggling hospitals and care facilities, growing to $57 million from $21 million in one decade.

But the solutions aren’t as clear, say those who have watched the numbers rise.

"How do we, en masse, get everyone’s attention focused on this?" asks Mary Lou MacDonald, the head of an organization called Aware-NS.

"You know when you’re on the plane, and the oxygen mask drops down, and the stewardess puts theirs on first before helping you? We need to do that in the health-care sector. . . . The first step is to protect the worker, so they can protect the patient."

Ballooning injury rates in hospitals come from a combination of older workers, heavier patients and understaffing, among other factors, said MacDonald. She described the problem as a vicious cycle where higher insurance premiums mean less funding for employees, while lost time also decreases the workforce. That puts more pressure on the remaining workers, who then suffer higher rates of injuries.

Mutual of America Health Insurance Company Review

A Mutual of America Health Insurance Company review leads to Mutual of America Life Insurance Company. Established in 1945, Mutual of America specializes in services and products that assist retirement needs such as pensions and life insurance. Mutual of America does not sell health insurance .

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Mutual of America has offices in 34 continental states as well as offices in Alaska and Hawaii. The company headquarters are located at the heart of the financial and insurance industry in New York, New York however; assistance can be obtained from any local or regional office as well.

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The Roth IRA offered by Mutual of America is an IRA that allows after-tax contributions and withdraws can be made as needed without penalty. It is a retirement fund but also serves as a place to keep your money, earn interest on that money, and withdraw the money as needed and when needed even before retirement. Individuals can pay into a Roth IRA as long as they have income.

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