Hi Neal,
Thanks for the clarification!
Until there's improvements and greater consistency with respect to Workers Comp coverage, I think at a minimum institutions can easily do a better job of informing
potential graduate students of health insurance coverage nuances and potential gaps. Ideally with focused information tailored to how a student would be funded at said institution.
Have a great weekend,
Chris
Chris and all,
I totally agree that they should be covered. My point is the system is broken and the prudent thing is to insure yourself so you do not become a financial victim as well as an injury victim.
This is essentially the argument that is the basis of the ACS liability insurance for educators. The actual coverage is a confused mess. Why should an educator become a financial victim as the result of doing
their job and their employer did not provide any or adequate liability insurance.
If I had my way, there would be a system of uniform WC coverage. If you get compensated for your time/service, you are fully covered for on the job injury. I also would like to see uniform student coverage. If
you become ill or injured while a matriculated student, you are covered.
Sorry if I was not clear. The CEN article is indeed shocking. I hope it pushes some positive result.
Neal
Hi Neal,
Just because they are eligible for private/personal health insurance coverage, why should that coverage be used to cover treatments for an injury in the laboratory
while completing research activities? If that's indeed the expectation, that should be relayed to graduate students in advance before they accept an institution's offer letter.
I'm with Debbie on this one, I was shocked when I learned just how many 'shades of grey' there are with respect to applicability of Worker's Compensation coverage
for graduate students. Especially if one obtains merit-based funding from scholarships, fellowships, and traineeships.
My quick $0.02,
Chris
From: NEAL LANGERMAN <neal**At_Symbol_Here**CHEMICAL-SAFETY.COM>
Sent: Monday, November 2, 2020 5:27 PM
Subject: Re: Who pays when a graduate student gets hurt?
ACS does not write medical insurance. However most grad students will qualify for the Affordable Care Act coverage.
Sent from Neal Langerman's NEXUS 6.
Standard client confidentiality terms apply.
Maybe this could be a topic for a symposium or a webinar or a panel discussion. Wonder if the ACS insurance moguls would have ideas about this?
-----Original Message-----
From: Debra M Decker <00001204b93f9a5e-dmarc-request**At_Symbol_Here**LISTS.PRINCETON.EDU>
Sent: Nov 2, 2020 3:56 PM
To: DCHAS-L**At_Symbol_Here**Princeton.EDU
Subject: Re: [DCHAS-L] Who pays when a graduate student gets hurt?
This is a good summary of the topic.
Graduate students, doing the heavy lifting of discovery research to support grant funding for higher education, can sustain life-altering injuries with no remedy
from workers comp for those injuries. Student medical insurance may cover the acute treatment but chronic, ongoing treatment is not covered. Once again, the problem is recognized but those with the power to fix it choose not to.
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Robert H. Hill, Jr., Ph.D.
Stone Mountain, GA 30087
roberth_hill**At_Symbol_Here**mindspring.com
RAMP for Safety: Recognize hazards, Assess risks of hazards,
Minimize risk of hazards, Prepare for emergencies
"The Safety Ethic: I value safety, teach safety, work safely, prevent at-risk behavior, promote safety, and accept responsibility for safety."
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membership**At_Symbol_Here**dchas.org Follow us on Twitter **At_Symbol_Here**acsdchas
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