scholarly journals The impact of psychosocial factors on claims outcomes in the group income protection market: findings from a prospective pilot study

Author(s):  
Carly Van Den Akker

Research suggests that psychosocial factors predict recovery better than biomedical factors alone in the normal population. However, no studies have been carried out in the disability income insurance setting, where the availability of financial cover is usually perceived as the main detractor of recovery and return to work.Swiss Re's clinical claims team in collaboration with the Research & Development team, conducted a 3 year prospective study to evaluate the role of psychosocial factors in recovery within a group income protection sample. Predictors of return to work were: beliefs about recovery and work, work ethic, coping, and self-efficacy. Interestingly, medical diagnosis alone and treatment did not predict recovery and return to work in this sample.Our objective was to conduct research to gain an understanding of psychosocial predictors in the insurance setting, and additionally to develop specific claims management strategies for our claims assessors to manage their claims more effectively through exploring the psychosocial barriers influencing on a claimant's absence, and providing adequate support at the right time, in a cost-effective manner.

Author(s):  
Sheila Menon FBSCH ◽  
Vidya Bhagat

The COVID-19 pandemic has had a significant impact on the psychosocial factors that effect people globally. Particularly affected are children, students and health workers and the common symptoms identified are stress, anxiety disorders, depression and post-traumatic stress disorder. In addition, the various security measures implemented to ensure public safety have adversely affected relationships between people. This study directs public awareness to the value of psychotherapeutic support. Tele-therapy can be offered easily to people both at home or in the workplace, providing both cost effective and time sensitive solutions during times of crisis. The current review article provides an overview of the importance of maintaining psychological well-being during a pandemic and the identifies the role that empathetic communication has on wellbeing. The literature review was completed using electronic databases such as PubMed, Medline, and Scopus databases using the keywords covid-19, affected groups, affected relationships, psychology and its technological interventions, negative effects of pandemic so on.


2018 ◽  
Vol 8 (12) ◽  
pp. 2406 ◽  
Author(s):  
Hamed Saghafi ◽  
Mohamad Fotouhi ◽  
Giangiacomo Minak

This paper reviews recent works on the application of nanofibers and nanoparticle reinforcements to enhance the interlaminar fracture toughness, to reduce the impact induced damage and to improve the compression after impact performance of fiber reinforced composites with brittle thermosetting resins. The nanofibers have been mainly used as mats embedded between plies of laminated composites, whereas the nanoparticles have been used in 0D, 1D, 2D, and 3D dimensional patterns to reinforce the matrix and consequently the composite. The reinforcement mechanisms are presented, and a comparison is done between the different papers in the literature. This review shows that in order to have an efficient reinforcement effect, careful consideration is required in the manufacturing, materials selection and reinforcement content and percentage. The selection of the right parameters can provide a tough and impact resistant composite with cost effective reinforcements.


2007 ◽  
Vol 35 (S2) ◽  
pp. 40-46 ◽  
Author(s):  
David J. Christianson

This article discusses the disability insurance industry in order to provide context regarding the potential impact of genetic testing on disability insurance. It describes disability income insurance, exploring both the protection it offers and its main contract provisions. It goes on to describe the private insurance market and the differences between group and individual insurance, and concludes with implications of genetic testing with respect to the private disability insurance market. The individual disability income insurance market is theoretically of great interest as a matter of public policy since there is potential for unfair discrimination through genetic testing although this remains very unlikely as a matter of practice, however.It is more likely that a person will become disabled than die before age 65. The loss of income during a disability can be quite devastating. In contrast to the high risk and high impact of disability are the realities of the disability market.


2011 ◽  
Vol 08 (01) ◽  
pp. 113-133 ◽  
Author(s):  
C. M. CHANG

Novel and marketable service ideas are useful to most service enterprises. However, the literature has identified several reasons for innovations in services as lagging behind those in manufacturing. Some service enterprises believe that service ideas and innovations are readily imitated by competitors. Others view the impact of service innovations on profitability difficult to assess because specific innovative service elements are typically bundled with many other service elements when delivered to or used by customers. Some service enterprises do not have in-house groups specifically dedicated to innovative pursuits, making it difficult for them to systematically produce new service ideas. Furthermore, because services are usually produced and consumed concurrently, any failure tends to expose the service enterprise immediately, unlike the manufacturing companies which can minimize such risks of exposure by conducting pilot testing away from the marketplace. As a result, many service enterprises are said to shy away from aggressively pursuing new service development projects. It does not have to be this way. This paper describes the combinatorial, heuristic, and normatively guided method, which when correctly applied to a service enterprise enhances the generation of new service ideas in a systematic, speedy, and cost-effective manner, and without requiring the creation of a dedicated and rigid organizational structure. Virtual teams of the "stealth" type are set up to address innovation needs related to marketability and cost competitiveness. These teams may include frontline customer-facing employees as well as customers, suppliers, and other external experts, who can work together despite geographical and time-zone constraints. The application of this method toward developing a specific new service idea is discussed in greater detail. The integration of a "stealth" team can also be readily applied to the front end of a typical stage-gate service development process, whereby parallel teams are engaged to address critical issues and steps needed to successfully market a service idea before initiating costly development, thereby raising the service enterprises' overall probability of developing commercially successful new services over time.


2011 ◽  
Vol 51 (2) ◽  
pp. 694
Author(s):  
J Sofra ◽  
Andrew Stewart

Delivering services and projects in a brownfield environment has unique challenges. Brownfield, by its very nature, involves highly constrained and dynamic environments. This requires stakeholders to work collaboratively and be creative and nimble. Effective communication between client and service provider is essential. This is because the decision-making horizons are significantly shorter and consequences are more immediate. Brownfield projects are typically organised to minimise inter-discipline interfaces, with seamless delivery from engineering through to construction. Engineering effort needs to be the right sized based on the level of complexity and risk involved to ensure the effort and cost expended is appropriate for the modification or upgrade. When planning and executing brownfield projects, the following areas require special focus: health, safety and the environment—to cope with the inherently higher risks due to live inventory, lack of space, simultaneous operations and increased personnel; interface with operations—to plan, manage and minimise disruption to production; live systems—to assess the impact/disruption to energised systems and coordinate tie-ins; production—to minimise disruption and ensure that the project is executed safely while production continues; hot work—to a minimum and where necessary contain naked flame and spark activity on site; integrity—to ensure the condition of the asset is well understood and any sub-system upgrades to accommodate the modification are identified; limited space—to accommodate temporary project facilities, minimising the impact on operations and maintenance activities; and, access—to ensure that the project is planned to lessen disruption, maximise off-site preparation and to minimise on-site construction. Systematic program management, project engineering, and a tiered engineering approach are essential to cost effective and timely delivery. For each of the eight key areas we detail some of the subtle and enabling strategies/tools that distinguish brownfield project delivery from greenfield.


Author(s):  
Simon Wiltshire

The primary function of income security organisations is to administer personal injury claims in a commercially viable and cost effective manner, while supporting the receivers of benefits/claimants to achieve a meaningful and durable return to employment. Given the pressures of commercial success in a competitive market measured by effective cost minimisation, to what extent is the level of support offered to individuals claiming benefits impacted by an organisation's purpose to be profitable? The extent of influence exercised by income security organisations in administering claims and driving employment outcomes is limited by jurisdictional legislation and regulations. Furthermore, the requirements to meet compliance requirements can often be detrimental to the quality of management of claims, resulting in a highly administrated framework. This can restrict an organisations capacity to meet individual needs, especially in cases that are not seen as fitting the norm. Considering the conflicting demands imposed by commercial pressures and regulatory frameworks, what is the level of influence that may be exercised by these organisations in facilitating employment outcomes? Employers Mutual have maintained a leading position in the NSW Workers Compensation Scheme, achieving commercial targets, meeting legislative requirements and promoting excellence in employment outcomes through: •Organisational vision – we help people get their lives back;•Focus on support and development of people as front line drivers of performance;•Role design – how we actually do our jobs;•Implementing organisation strategies and designing key support roles aligned to remunerative measures;•Strategic focus on early intervention to facilitate return to work;•Ensuring people receive the full extent of their entitlements, however, are not compensated to excess;•Service level agreements with employers/brokers with a key focus on return to work expectations;•Strong relationships with third party service providers; and•A structured framework that allows flexibility in decision making.


Author(s):  
Michael Edward Kalinski ◽  
Nicholas Duda ◽  
Herby Lissade ◽  
Harry Donaghy

In the aftermath of the January 2010 Haiti Earthquake, the streets of downtown Leogane were paved to mitigate waterborne disease using humanitarian relief funds. After paving, many of the shallow water wells in Leogane dried up. It was believed that the new pavement disrupted groundwater recharge and negatively impacted the wells. Therefore, a project was performed to assess groundwater conditions in a cost-effective manner using a rapid, inexpensive, non-intrusive geophysical approach. The scope of the project included 1) surveying the new pavement system, 2) surveying water wells in Leogane, 3) testing the well water for coliforms, 4) performing geophysical DC resistivity testing to map groundwater depth and 5) developing a groundwater map to assess the impact of the pavement on the water table. As a result of this project, it could not be concluded that the new pavement was a factor in the groundwater fluctuations observed in the water wells in Leogane. It is more likely that some of the drop in the water table was due to the earthquake itself and some of it was caused by seasonal fluctuations in the water table. It was also observed that all the water wells that extract water from shallow (less than 6 m deep) aquifers in Leogane contain coliforms due to their proximity to household latrines, although a second deeper aquifer was identified and found to be coliform-free. With respect to broader impact, this methodology represents a relatively simple approach to mapping groundwater and assessing water quality that can be easily applied to other communities in the developing world to guide their efforts to develop and manage groundwater.


Jurnal Zona ◽  
2021 ◽  
Vol 4 (2) ◽  
pp. 78-90
Author(s):  
Amalia Prafitra Harman ◽  
Yusni Ikhwan Siregar ◽  
Ridwan Manda Putra

To solve the waste problem in Indragiri Hulu Regency, the Regency Government built a Landfill (TPA). This waste Landfill (TPA) is located at Jalan Batu Canai, Pematang Reba Village, Rengat Barat District. However, the management of this TPA has experienced various obstacles so that it does not run optimally so it is interesting for further research.This research was conducted in August 2020 at the Batu Canai waste landfill (TPA) using survey methods, literature study and interviews. The type of data used in the form of a combination of quantitative and qualitative research will be described descriptively. The variables of this study include 1.) The existing condition of Batu Canai Waste Landfill (TPA) Pematang Reba Village, 2) The impact of the existence of Batu Canai Final Disposal Site (TPA) of Batu Canai Garbage in Pematang Reba Village on the environment, social and economy according to the perceptions of the community around the TPA , 3) Management strategy of Batu Canai waste landfill  (TPA) Pematang Reba Village. The existing condition of TPA Batu Canai in terms of facilities and infrastructure is quite adequate, although some infrastructure and operational facilities are damaged. From the calculation results, the estimated service life of Batu Canai waste landfill (TPA) is 8 years and 9 months. For the impact of the existence of TPA Batu Canai, according to the community's perception around the TPA, from a socio-economic perspective, their response was positive and from an environmental perspective, their response was negative. Meanwhile, the alternative management strategies for Batu Canai waste landfill were analyzed through SWOT analysis. From the results of the SWOT analysis, it was found that the condition of the TPA was in Quadrant III and the right alternative strategy for managing the Batu Canai Final Processing Site (TPA) in Pematang Reba Village was a WO (Weaknesses-Opportunities) strategy, namely 1) Optimizing the Controlled landfill system, 2) Support Government to establish a special agency for managing TPA, 3) Utilizing good waste processing technology to process organic waste into bio energy, 4) Empowering and fostering communities to establish a Waste Bank. 


Author(s):  
Andreas Fabricius ◽  
James Malloy ◽  
Mark Taylor ◽  
Peter Jackson ◽  
David Moelling

Abstract This paper presents key lessons learned from hundreds of field missions for assessing the condition of HRSGs at sites around the world. These involved field inspections, root cause of failure analyses and performance assessments on HRSGs of nearly every design, fuel type and operating mode. Statistics on degradation and failure risk areas are presented. Analysis techniques used in both preparing for field work and in assessing field examination results are also discussed. Trends in the evolution of the principal damage mechanisms over the years are examined, and predictions of future problem areas are considered with a view to guiding asset management actions. The impact on HRSG integrity of changes in unit designs, such as the move to flexible operation in response to the increasing contribution from renewables, is also assessed, and likely future trends are outlined. The use of qualitative and quantitative risk-based methods is also discussed and compared to the use of condition-based inspection methods as a basis for a fleet wide management strategy. A case study including a large IPP with several generating assets in its portfolio is presented and the most cost-effective method with respect to current corporate strategy is discussed. Recommendations for fleet management strategies are made.


2021 ◽  
Author(s):  
Rasim Serdar Rodoplu ◽  
Adegbenga O. Sobowale ◽  
Jon E. Hanson ◽  
Beau R. Wright

Abstract Multistage fracturing (MSF) ball drop completion systems have been utilized around the globe for effectively treating formations completed as open hole and cemented. Multiple, high-rate hydraulic fracturing stages are pumped through these completions while gaining efficiency during pumping operations. A challenge within the industry was developing systems that are capable of higher pressures (greater than 10k psi) while still being able to be deployed in challenging openhole environments with minimum equipment and intervention requirements. This paper will discuss the planning, deployment and fracturing execution operations of an improved version of one of these systems. To be able to effectively utilize any MSF completion system; formation properties, deployment environment, lateral length, openhole size, liner size, and tubing movements during fracturing should be thoroughly analyzed and equally considered. To create a reliable system, another important consideration is how the system will be deployed; a long string to surface, or will it be deployed as part of a liner hanger system? In the case of the latter, it should be compatible with the liner hanger system by accommodating multiple balls to set and release the hanger system and actuate the openhole packers. In tight formation environments, where treating pressure differentials reaches as high as 15,000 psi during fracturing operations, openhole packers that are capable of holding these pressures in challenging openhole conditions are needed. Not only the packers but also the remaining completion system components need to be capable of withstanding, including burst, collapse, and ball-to-ball seat differential while simultaneously accommodating the pressure with cooling and ballooning induced tubing movement caused by these high pressure treatments. Improving such a robust design with innovative solutions, such as dissolvable frac balls that can handle 15,000 psi differential, optimizes the overall process. The completion design, deployment, and subsequent fracturing operations on a well showcases how effective consideration of components operates as a system can create a reliable MSF system. It also demonstrates how close collaboration between reservoir management, production engineering, completion experts, and vendor results in a coordination of efforts that eliminates operational hazards, thus ensuring smooth operations. The successful deployment of an openhole MSF completion system that can handle 15,000 psi with dissolving frac balls and eliminating openhole anchors helped pave the way to deal with tighter formations in an efficient and cost-effective manner. With the help of this new technology, the well planners were able to address operational challenges that would have otherwise required additional equipment or would have limited deployment capabilities. The engineering approach and design to develop this completion system and utilization in the right candidate confirmed the benefit of the novel completion for field development options.


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