Stoo
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I've often wondered how many fewer tort claims would be filed if we had universal healthcare and disability insurance. .
Speaking as a Canadian with a wife who's leg was broken as the result of poor driving on dive shop RHIB, I can tell you that there are many extraneous costs not covered by public healthcare. My wife, who's an educator, also has a great benefit plan. Her healthcare was "free" (surgery, hospital stay, follow-up care) but everything else was up to us. DAN insurance flew her home (We had a 22 hour drive there, but she couldn't do that), but out additional lodging, food while she healed, my lost wages while I cared for her while she was initially bed-ridden, and her lost wages. (Her plan covers 80% of wages while off.)
What we still don't know is the long term care that will be required. Her leg was broken in 5 places. Two of the breaks were right at her knee and ankle. As a result, it's very likely she'll need a knee transplant and an ankle fusion when she's older.
So while socialized medicine covers a lot, I should mention that because our costs of treatment are carefully controlled, her bill at the hospital (So an 8 day say, "internal stabiization" of her leg, which is surgery to stick a rod into her tibia) and so on was only about $12,000. I have no idea what it would have been in the US... a lot more I suspect.
We settled out of court (I can't disclose the settlement or terms) but it covered a fraction of our losses, but a court "win" wasn't a sure thing sue to the trusty PADI waiver, which specifically names fractures and negligence by the operator.
With regard to this crew member, I suspect he would make the same claims as a passenger would. Employers are absolutely responsible for their employees care. And again, to draw a comparison with Canada, if this crew member was an actual employee, his care lost wages and rehab would be covered under WSIB... Workplace Safety and Insurance Board. In case of long term disability, it would pay him a pension for life.
My long term buddy insured himself at work when he was a teenager... managed to lose a hand in the process. He collects a pension to this day, and the ongoing cost of his prosthetic hand is covered.