| maintenance & cure in an accident injury |
| Interviewing - Mates - Chief Engineers - Designated Duty Engineers - Interviews - Deckhands Able Bodied Seamen - Tankermen - Dispatchers - QMED - Interviewing |
 |
 |
 |
 |
 |
 |
 |
 |
 |
 |
 |
 |
 |
 |
 |
 |
 |
 |
 |
 |
 |
 |
Let’s say a deckhand on a ferry is preparing lines at the bow as a ferry
approaches the dock. The captain signals to him from the pilothouse to
secure lines upon landing. The landing is perfect. The deckhand wraps
the line around a bollard as planned. Two stories above, a dockmaster
who thought the foredeck was clear lowers the passenger ramp onto the
poor deckhand. With the noise of the prop wash generated from keeping
the ferry nestled in the wharf, the deckhand doesn’t hear the creaking
descent of the ramp. It lands on this foot and crushes it badly.
The injured deckhand is removed from the scene by ambulance and taken
to the hospital. They take MRIs and learn that the bones in the foot are
fractured. He will need immobilization followed by several months of
physical therapy. The ferry’s maintenance and cure insurance are the
safety net for the expenses arising from the injuries. He won’t be able to
work for a few months and will need to pay his rent and buy food. The
maintenance is designed to cover the expenses arising as a result of the
unfortunate accident. As for the ambulance to the hospital, emergency
room charges, emergency room physicians, x-rays, MRIs, physical therapy
and other diagnostic testing, those are supposed to be covered by cure.
approaches the dock. The captain signals to him from the pilothouse to
secure lines upon landing. The landing is perfect. The deckhand wraps
the line around a bollard as planned. Two stories above, a dockmaster
who thought the foredeck was clear lowers the passenger ramp onto the
poor deckhand. With the noise of the prop wash generated from keeping
the ferry nestled in the wharf, the deckhand doesn’t hear the creaking
descent of the ramp. It lands on this foot and crushes it badly.
The injured deckhand is removed from the scene by ambulance and taken
to the hospital. They take MRIs and learn that the bones in the foot are
fractured. He will need immobilization followed by several months of
physical therapy. The ferry’s maintenance and cure insurance are the
safety net for the expenses arising from the injuries. He won’t be able to
work for a few months and will need to pay his rent and buy food. The
maintenance is designed to cover the expenses arising as a result of the
unfortunate accident. As for the ambulance to the hospital, emergency
room charges, emergency room physicians, x-rays, MRIs, physical therapy
and other diagnostic testing, those are supposed to be covered by cure.
Maintenance & Cure
Maintenance & Cure are benefits that cover living and medical expenses
for a seaman injured in the course of employment for a vessel.
Maintenance covers living expenses. Cure covers medical expenses.
Maintenance may run anywhere from $15.00 to $30.00 a day, depending
on the region and cost of housing. The cut-off point for cure is when a
seaman has reached “maximum medical cure”. In other words, when it is
determined that an accident claimant will not benefit further from continuing
treatment, medical treatment will be terminated.
Maintenance and cure are similar to workers’ compensation benefits. They
don’t require that the injured party demonstrate that anyone else was at
fault. It is only required that the person was a seaman in the service of the
vessel and that the injury arose in the course of the seaman’s employment.
Maintenance & Cure are benefits that cover living and medical expenses
for a seaman injured in the course of employment for a vessel.
Maintenance covers living expenses. Cure covers medical expenses.
Maintenance may run anywhere from $15.00 to $30.00 a day, depending
on the region and cost of housing. The cut-off point for cure is when a
seaman has reached “maximum medical cure”. In other words, when it is
determined that an accident claimant will not benefit further from continuing
treatment, medical treatment will be terminated.
Maintenance and cure are similar to workers’ compensation benefits. They
don’t require that the injured party demonstrate that anyone else was at
fault. It is only required that the person was a seaman in the service of the
vessel and that the injury arose in the course of the seaman’s employment.
Anyone who's ever been to a
hospital emergency room knows
two things... they're going to wait
a long time to be seen, and they're
going to get a large bill for the
medical expenses. Accident-
related medical expenses include
ER admission, ER physicians,
radiology and diagnostic imaging
services. Graciously, you're not
charged extra for the clipboard
and pen you're given to write
down your insurance information.
In any accident related injury
case, the element of "cure" is
supposed to pick up these high
tab items, regardless of liability. It
works like no-fault insurance in a
motor vehicle accident. It doesn't
matter which party is legally at
fault... no-fault is supposed to pay
those PIP benefits (personal injury
protection). Liability, or fault, is a
different matter and can be taken
up in a third party lawsuit.
hospital emergency room knows
two things... they're going to wait
a long time to be seen, and they're
going to get a large bill for the
medical expenses. Accident-
related medical expenses include
ER admission, ER physicians,
radiology and diagnostic imaging
services. Graciously, you're not
charged extra for the clipboard
and pen you're given to write
down your insurance information.
In any accident related injury
case, the element of "cure" is
supposed to pick up these high
tab items, regardless of liability. It
works like no-fault insurance in a
motor vehicle accident. It doesn't
matter which party is legally at
fault... no-fault is supposed to pay
those PIP benefits (personal injury
protection). Liability, or fault, is a
different matter and can be taken
up in a third party lawsuit.
This is an MRI of the chest, which shows the
cervical, thoracic and lumbar spine and chest
cavities. As the radiologist's imaging instruments
"cuts" through the chest, you can see the ribs,
lung cavities, and vertebral bones of the spine).
It's fascinating, and also expensive. "Cure" is
supposed to pick up the tab for these expensive
accident-related medical services.
cervical, thoracic and lumbar spine and chest
cavities. As the radiologist's imaging instruments
"cuts" through the chest, you can see the ribs,
lung cavities, and vertebral bones of the spine).
It's fascinating, and also expensive. "Cure" is
supposed to pick up the tab for these expensive
accident-related medical services.
