• Title/Summary/Keyword: 신체적 장애

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Disability Underwriting (신체장해 언더라이팅에 관한 연구)

  • Kim, Yoo-Jin
    • The Journal of the Korean life insurance medical association
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    • v.25
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    • pp.79-102
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    • 2006
  • 1. 서론 o 연구배경 05년 4월에는 생손보 공통의 신체장해분류표 개정시행 및 표준약관개정이 있었으며 05년도까지는 어떤 형태로든지 장애인차별금지법안이 입법화될 것이라고 한다. 따라서 장애인의 보험이 거절되었을 경우 입증책임은 보험회사에 있게 될 것이다. 생명보험업계로서는 공 통 인수지침마련을 통해 민원소지 최소화를 위해 노력했으나 오히려 장애인차별이라는 비난을 받게 되었다. 이에 개정신체장해분류표에 대한 연구 및 언더라이팅적 시각에서의 개선방안 모색이 필요하게 되었다. o 연구방향 신체장해제도는 보험회사 뿐만 아니라 각종 법규 및 정부기관에서 다양하게 운영되고 있다. 이들에 대한 연구 및 특히 보험청약시에 주로 접하게 되는 복지장애(장애인복지법하(下))에 대해 주로 연구하여 이와 개정신체장해분류표를 비교분석 하도록 한다. 그리고 개정신체장해분류표에서 향후에 발생가능한 문제에 대해 업계경험을 토대로 개선점을 강구하도록 한다. 2. 신체장애등급의 이론적 배경 o 신체장애제도의 종류 o 국내법상의 신체장애제도 o 신체장애평가제도 근거법규 o 해외주요국의 신체장애평가제도 3. 우리나라의 장애보장제도 현황 o 국가장애등급과 생명보험 실제지급경험의 연구를 통해 신체장해비교를 통해 장애1급의 주요원인이 질병원인에 있으며 재해원인은 상대적으로 낮은 수준을 보이고 있다. 특히 질병장애의 경우 05년 3월까지 등록된 복지장애에서보다 생명 보험 지급경험에서 훨씬 높은 비율을 나타내고 있음이 05년$1{\sim}5$월 생명보험 장애1급 지급 건의 연구결과 나타났다. 문제는 복지장애와 생명보험약관상의 신체장애의 평가기준이 상이하여 등급간 정도와 신체장해물의 정도의 비교에 표준화된 이론적 근거나 tool이 없다는 것이다. 이에 대해 외국사의 경우에는 장애의 결과보다는 원인질병에 의거하여 그에 따른 후유장애로 나뉘어 인수지침을 두고 있다. o 우리나라의 신체장해 평가방법을 보면 각종 법규나 정부기관에서 사용하는 평가방법을 포함하여 대략 신체장애등급방식과 신체장해율 방식으로 나눌 수 있다. 복지장애는 독자적인 신체장애등급방식으로 장애를 평가하고 있으며 생명보험약관은 05넌4월개정시부터 손해보험의 장기보험에서 기(旣)시행중인 신체장해율방식을 쓰고 있으며 이는 미국의 A.M.A법에 근간을 두고 있다. 상호간의 판정기준이 상이한 상황에서 언더라이팅은 장애의 원인은 고려되지 않은 결과물에 해당되는 신체장해율표만 가지고 인수지침을 세우기 어려우므로 A.M.A법에 대한 연구가 필요할 것이다. 또한 손해보험경험에서 이미 문제로 대두되고 있는 한시장해와 기타 제도적 개선방향을 모색해야 할 것이다. 4. 결론 우리나라에서 운영되고 있는 장해는 원인에 대한 고려나 선천성과 후천성의 구별이 없이 운영되고 있다. 또한 신체장해 평가기준이 너무나 다양하게 운영되고 있어서 기초통계축적에도 어려움이 많다. 보험회사의 사회적 책임의 한계도 존재한다. 따라서 장해의 결과보다는 원인에 대한 연구가 더욱 필요할 것이며 이에 대한 국민의 관심 및 공감대형성이 필요할 것이다.

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A Comparison of Illness Behavior among Patients with Somatoform Disorders, Depressive Disorders and Psychosomatic Disorders (신체형장애, 우울장애 및 정신신체장애 환자들간의 질병행동의 비교)

  • Koh, Kyung-Bong;Ki, Sun-Wan
    • Korean Journal of Psychosomatic Medicine
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    • v.5 no.2
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    • pp.185-194
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    • 1997
  • A comparison was made regarding illness behavior among patients with somatoform disorders, depressive disorders and psychosomatic disorders. The subjects consisted of out-patients with somatoform disorders(N=52), depressive disorders(N=52) and psychosomatic disorders(N=51). illness behavior was assessed by illness Behavior Assessment Schedule and the questionnaire about help-seeking behavior. The patients with somatoform disorders and psychosomatic disorders more often affirmed the presence of somatic disease, were more likely to have phobia of disease, had more preoccupation with ideas of disease and more frequently shopped around oriental clinics than the patients with depressive disorders. The patients with somatoform disorders more often attributed its cause to physical factors, less often attributed the origin of affective disturbance to psychological causes, showed Less depression and irritability, and were less likely to accept psychiatric treatment recommended by other physicians than depressive patients. The patients with somatoform disorders were more likely to report having been told that they suffered from a mild illness than those with psychosomatic disorders. The patients with somatoform disorders with psychological problems tended to inhibit expression of their emotion. Female patients with somatoform disorders more often affirmed the presence of psychological disorder and attributed its cause to psychological factors than male ones. These results suggest that in illness behavior, patients with somatoform disorders are different from depressive patients, whereas the former patients are similar to psychosomatic patients except the discrepancy between therapists and patients regarding evaluation of their symptoms. Thus, it is emphasized that first, therapists need to approach patients with somatoform disorders somatically with understanding of their underlying need to deny psychological problems, followed by either psychological or biopsychosocial approach.

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Dissociative Symptoms in Patients with Somatization Disorder (신체화 장애 환자의 해리 증상)

  • Kim, Seong-Hwan;Choe, Byeong-Moo;Kim, Yoon-Won;Hahn, Hong-Moo
    • Korean Journal of Psychosomatic Medicine
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    • v.7 no.1
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    • pp.116-123
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    • 1999
  • Objectives : The authors attempted to assess how much the mechanism of dissociation affects somatization disorder patients psychopathologically, and explore the relationship between sexual or physical abuse and somatic symptoms in somatization disorder patients. Methods : The authors administered the Dissociative Experiences Scales-Korean version(DESK) and Dissociative Disorders Interview Schedule to 25 patients with somatization disorder and 51 normal subjects. Results : There were no significant demographic differences between patient and control groups. The mean score of DES-K for patient group was 18.2, and 10.0 for the control group. The percentage of the individuals with high scores(20 and over) was 36.0 in the patient group and 7.8 in the control group, respectively. The percentage of the individuals with sexual and/or physical abuse was 16.0 in the patient group and zero in the control group. Our results showed that DES-K scores were not influenced by the factor of age or religion in either group, but the scores of the patients with somatization disorder were significantly higher than those in the normal subjects. Conclusion : There was an implication that the mechanism of dissociation affects issues of psychopathogenesis and psychopathology in Korean patients with somatization disorder, even though they have different sociocultural backgrounds in comparison to Western patients. The authors suggest it is useful to focus attention on childhood abuse and dissociation in the evaluation and dynamic psychotherapy of patients with somatization disorder.

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Effects of Discrimination Experience and Social Support on Physical and Mental Health among the Disabled - Mediation Effect of Disability Identity and Multiple Group Comparison by Degree of Disability - (고령장애인의 차별경험과 사회적 지지가 신체적 건강 및 정신적 건강에 미치는 영향 - 장애정체감의 매개효과와 장애정도에 따른 다중집단 분석 -)

  • Roh, Seunghyun;Shin, YuRi;Kim, Cheong-Seok
    • 재활복지
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    • v.21 no.2
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    • pp.113-137
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    • 2017
  • In this study, we explore whether and how the experience of discrimination and social support affects physical health and mental health through disability identity among the disabled aged 50 and over. We also examine such relationship differs by the degree of disability. For the empirical test, we utilized the data from the Panel Survey for the Disabled conducted by our research team in 2016. According to structural equation model analysis, social support has a direct effect on disability identity. It also has a direct effect on physical health. As for the mental health, there are found direct effects of discrimination experience, social support, disability identity, and physical health, Furthermore, social support influences the mental health through disability identity. This finding suggests that social support for the disabled in old age increases disability identity and, in turn, it contributes their mental health. In the meanwhile, multiple group comparison analysis reveals the effect of discrimination experience on disability identity is found for those with lower level of disability but not for their counterparts. This seems to result from that the level of common ground which constitutes disability identity is low for the severely disabled. Thus, it requires our efforts to enhance disability identity focusing on common ground for the severe disabled.

Hypnotherapy in Cases with Psychosomatic Disorders (정신신체장애의 최면치료)

  • Choe, Byeong-Moo
    • Korean Journal of Psychosomatic Medicine
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    • v.10 no.2
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    • pp.176-180
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    • 2002
  • Hypnosis as a traditional healing method, in its recent development, has generated a multitude of techniques. These serve as practical tools which can be combined with other therapy techniques for the treatment of a variety of psychiatric and medical conditions. The empirical evidence for the effectiveness of hypnosis is considerable and proves its clinical impact in various areas of application. This case review describes the integration of hypnotherapeutic methods into the continuum of psychiatric encounters in a general practice. Guidelines for the application of hypnosis in approaching and treating each patients with headache, sexual dysfunction and bronchial asthma were illustrated. As hypotheses mechanism of effectiveness in psychosomatic disorders has been formulated. Training in hypnotherapy provides the psychiatrist with skills needed to address psychophysiological disorders. Emphasis is placed on the necessity and opportunity for research on the efficacy and specific technique of hypnosis in the psychosomatic disorders.

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Posttraumatic Stress Disorder of Patients Referred to Psychiatry after Motor Vehicle Accidents (자동차사고 후 정신과로 의뢰된 환자의 외상후 스트레스장애)

  • Yun, Kyu-Wol
    • Korean Journal of Psychosomatic Medicine
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    • v.7 no.2
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    • pp.174-183
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    • 1999
  • Objective : This study was designed to evaluate the incidence and characteristics of posttraumatic stress disorder(PTSD) after motor vehicle accidents(MVA) in 44 consecutive MVA victims referred to psychiatry for the diagnosis, treatment and psychiatric assessment. Method : The diagnosis of posttraumatic stress disorder was made on the basis of DSM-IV criteria, and posttraumatic stress symptoms were assessed by the Clinician-Administered PTSD Scale(CAPS). Correlation between the extent of physical injury and the severity of PTSD symptoms using the Abbreviated Injury Scale(AIS) was analyzed and the frequency of psychiatric comorbidity of PTSD was invested. Result : Twenty-two(45.5%) MVA victims met DSM-IV criteria for PTSD, while thirteen(29.5%) showed a subsyndromal form of it. AIS scores significantly related with the development of posttraumatic stress symptoms(r=0.565, p=0.0001). PTSD group showed high percentages of each of the 17 symptoms(criterion B, C, D), while subsyndromal PTSD group showed relatively high percentages of criterion Band D. The most frequent symptom was 'distressing dreams' of criterion B in both group. A high percentages(56%) of the MVA-PTSD group also met the criteria for current major depression. Conclusions : These findings suggest that there is apparently a high likelihood of developing all or part of the PTSD syndrome after motor vehicle accidents. So it does appear that for those MVA victims who seek medical attention and eventually need psychiatric referral, diagnostic possibility of PTSD should be taken into account in treatment planning and early intervention.

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Characteristics of the Perception of the Somatic Symptoms and the Cognitive Emotion Regulation Strategies in Patients With Posttraumatic Stress Disorder (외상후스트레스장애 환자의 신체증상 지각 특성과 인지적 정서조절전략)

  • Kwon, Joo-Han;Park, Jong-Il;Sakong, Jeong-Kyu;Yang, Jong-Chul
    • Korean Journal of Psychosomatic Medicine
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    • v.29 no.2
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    • pp.102-110
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    • 2021
  • Objectives : The purpose of this study is to investigate the characteristics of the perception of the somatic symptoms and the cognitive emotion regulation strategies in patients with posttraumatic stress disorder (PTSD). Methods : A total of 48 patients meeting DSM-5 criteria for PTSD and 48 normal controls were recruited for participation in this study. We evaluated subjects using Clinician-Administered PTSD Scale (CAPS), Somato-Sensory Amplification Scale (SSAS), Hamilton Anxiety Scale (HAM-A) and Cognitive Emotion Regulation Questionnaire (CERQ). We analyzed data using an independent t-test and Pearson's correlation analysis. Results : In terms of SSAS, PTSD patients presented higher average SSAS scores than normal controls but the result is not statistically significant. In PTSD patients, the severity of PTSD is significantly correlated with CERQ-rumination and CERQ-catastrophizing. The SSAS scores of PTSD patients show the significant positive correlation with PTSD hyperarousal symptoms, CERQ-catastrophizing and CERQ-blaming others. Conclusions : These results reveal that patients with PTSD have maladaptive cognitive emotion regulation strategies such as rumination and catastrophizing. Somato-sensory amplification seems to be related with PTSD hyperarousal, CERQ-catastrophizing and CERQ-blaming others. Therefore, reducing somato-sensory amplification, rumination and catastrophizing can be helpful to reduce PTSD symptoms and somatic symptoms in PTSD patients.

A Comparison of Perceived Family Support among Patients with Somatoform Disorders, Psychosomatic Disorders and Depressive Disorders (신체형장애, 정신신체장애 및 우울장애 환자들간의 가족지지도지각의 비교)

  • Koh, Kyung-Bong;Woo, Yong-Il
    • Korean Journal of Psychosomatic Medicine
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    • v.7 no.1
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    • pp.79-86
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    • 1999
  • A comprison was made regarding perceived family support among patients with somatoform disorders, psychosomatic disorders and depressive disorders. The subjects included 49 patients with somatoform disorders, 43 patients with psychosomatic disorders, and 50 patients with depressive disorders. Perceived social support-family scale was used to measure the extent of family support. The patients with somatoform disorders were significantly lower in family support than the patients with psychosomatic disorders. However, no significant differences were found between patients with somatoform disorders and those with depressive disorders, as well as between patients with psychosomatic disorders and those with depressive disorders. Patients with older age had significantly higher scores on family support than those with younger age. Married patients were significantly higher in family support than unmarried ones. These results suggest that low family support may be associated with either the etiology or the sequelae of somatization. Thus, it is emphasized that the role of family support is essential in evaluation and treatment of somatization. In addition, longitudinal studies will be required to investigate the causative role of low family support in somatization.

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Alexithymia in Somatoform Disorder and Diabetes Mellitus (신체형장애 환자와 당뇨병 환자에서의 Alexithymia)

  • Lee, Kyung-Kyu;Lee, Jeong-Yeob;Kim, Hyun-Woo;Choi, Sang-Jun
    • Korean Journal of Psychosomatic Medicine
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    • v.7 no.2
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    • pp.203-212
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    • 1999
  • Objectives : "Alexithymia" mean literally "no word for mood(or emotion)". It is not only a marked constriction in emotional functioning but a deficit in their cognitive processing. We designed this study to investigate the level of alexithymia, psychopathology and personality factors of patients with somatoform disorder and with diabetes mellitus. Methods : The subjects were consisted of patients with somatoform disorder(N=20), patients with diabetes mellitus(N=20), and normal control(N=20). The level of alexithymia, psychopathology and personality factors were assessed by the Toronto Alexithymia Scale(TAS), the Symptom Checklist 90-Revision(SCL 90-R), and the Sixteen Personality Factor Questionnaire(16-PF). And we compared demographic characteristics, psychopathology and personality factors among three groups, and assessed the relationship between alexithymia and psychopathology, and between alexithymia and personality factors. Results : The results were as follows. 1) Patients with somatoform disorder showed significantly higher TAS scores compared to patients with diabetes mellitus and the normal control group. 2) Patients With somatoform disorder showed significantly higher scores of somatization, anxiety scales than patients with diabetes mellitus and the normal control group, and showed significantly higher scores of obsessive-compulsive, depression, phobic anxiety, psychoticism scales than the normal control group by the SCL-90-R. 3) The normal control group showed high intelligence scores only as compared to patients with somatoform disorder by the 16-PF. 4) A significant relationship was found between TAS scores and psychopathology in patients with somatoform disorder. 5) All three groups did not shown any correlation between TAS and 16-PF. Conclusion : Patients with somatoform disorder showed higher TAS scores and more multiple psychopathology than patients with diabetes mellitus and the normal controls. A significant relationship was found between TAS scores and psychopathology in patients with somatoform disorder. We suggest that the therapeutic approach to patients with somatoform disorder to express emotions and manage psychopathology, and that the treatment methods of patients with diabetes mellitus aims to improve firstly physical conditions are more helpful.

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Latent Means Analysis of Parenting Competency, Parenting stress, Resilience, Social support according to the disability types among disabled women (여성장애인의 장애유형별 자녀양육역량, 양육스트레스, 회복탄력성, 사회적 지지에 대한 잠재평균분석)

  • Lee, Yuri
    • Journal of the Korea Convergence Society
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    • v.10 no.1
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    • pp.291-298
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    • 2019
  • This study aimed to examine disabled women to determine whether differences existed in parenting stress, resilience, social support, and parenting competency based on the disability type using an latent means analysis. The research data was sampled from 167 mentally disabled women and 132 physically disabled women. Parenting stress and social support had higher latent means in the mentally disabled women. Parenting competence and resilience had higher latent means in the physically disabled women. The results of this study suggested that differentiated, practical intervention approaches should be implemented for each disability type.