A rising number of organ transplant recipients are
successfully recovering from the disease that caused the need for an organ
transplant and are ready, willing, and able to return to work. The
many unemployed transplant recipients are hesitant to return to work due
to the potential of losing his/her social security medical and financial
benefits and not having any medical insurance to cover the high cost of
post transplant medical care and medication. The projected post-transplant
medical costs are estimated to be between $10,000. and $15,000. a year
per transplant recipient (Gutkind, 1988). The current social security
system only allows the individual a limited trial work period before all
financial and medical benefits are discontinued.
The projected cost of maintaining and individual
on a social benefits program, without returning to work, is costly to the
U.S. taxpayers. It will save the individual taxpayers and businesses
money, by returning the individual to work, to earn an income and contributing
to the social security program, and still be eligible to receive adequate
medical and financial coverage.
In many cases, the organ transplant recipient may
develop a feeling of lack of self-worth and purpose when he/she begins
to feel well enough to begin working. He/she may find that he/she
is unable to return to work due to a lack of experience for a new job,
if he/she is unable to return to his/her former occupation. It may also
be infeasible to return to work because the new occupation may pay the
worker less than what he/she was receiving from private and social benefit
programs. Economic conditions can also adversely effect the transplant
recipient's ability to find a suitable position. Several benefits
to the organ transplant recipient, by returning to work, is the feeling
of usefulness and productiveness, the sense of independence and not dependent
on subsistence programs, and the acceptance of being"normal" again after
an illness and receiving a "non-conventional" treatment modality.
The role of the vocational rehabilitation professional
is to access, educate, and assist the organ transplant recipient to return
to work. According to a December 1987 GAO report to the Chairman
of the subcommittee on Social Security, in the U.S.House of Representatives,
over 90 percent of the vocational rehabilitation counselors surveyed said
that more social security beneficiaries would try to work if their Medicare
coverage were continued and their cash benefits were based upon a sliding
scale related to earned income. In many cases, the transplanted individual
is unable to return to the work he/she performed prior to his/her illness
and transplant, but is capable of performing a different occupation that
may have a lesser wage earning potential and/or cash benefit level.
The report to the House of Representatives subcommittee pointed out that
the number of beneficiaries who returned to work could possibly be increased
through some changes in the benefit payment structure (GAO,1988).
A sliding cash benefit plan would protect the worker from earning less
than what had been received in cash social security benefits. If
private insurance companies also adopted this point of view, this could
facilitate more organ recipients to return to work thereby reducing benefits
claims costs.
Currently there are more potential recipients than
there are available donors, however, more recipients are surviving the
transplant procedures and are physically, cognitively, and emotionally
capable of returning to work. In 1989 there were 8,935 kidney transplants
performed, 1,687 heart transplants,2,188 liver transplants, 416 pancreas,
66 heart/lung transplants,and 92 lung transplants performed. The
survival rates for kidney, heart, and liver transplants are significant.
More than 8 out 10 heart recipients live more than a year after their transplant.
More than 90% of kidney transplant recipients survive for more than a year
(Gorman, 1991; Gutkind,1988). As of August 1990, there were 17,712
people waiting for kidney transplants, 1,747 people waiting for a heart,
959 people waiting for a liver, 251 waiting for a heart/lung, 414 people
waiting fora pancreas, and 225 people waiting for a lung transplant(UNOS,1990).
There are a number of employment barriers that effect
an individual's ability to return to work after an organ transplant. Aside
from the potential loss of financial and medical subsistence benefits,
the transplant individual must also overcome employer bias regarding hiring
individual's with perceived disabilities. An individual who has had
a transplant may have some special medical and environmental needs, but
this should not impact the majority of the businesses that have light and
sedentary, inside jobs. Many employers fear the potential loss in
production - due to potential sick time by the employee,inability to perform
the job tasks due to physical restrictions,and the possible increase in
health insurance premiums.
There are several special employment problems that
impact the ability for a disabled individual to return to work,according
to the 1988 GAO study, which reflects the opinion of the surveyed vocational
rehabilitation counselors. The transplant person may also encounter
these issues since he/she is also considered disabled, particularly if
he/she is receiving social security benefits.
1. Smaller companies, which otherwise might be good prospects
for hiring transplant recipients, are afraid of the effect on their health
insurance premiums.
2. Many health insurance plans specifically exclude preexisting
conditions from coverage.
3. Many part-time, temporary, or contractual jobs which the transplant
recipient might qualify do not offer health insurance benefits.
4. The loss of the cash benefits may not benefit the transplant
recipient to return to work.
Sixty-eight percent of the vocational rehabilitation
counselors surveyed in the GAO (1988) study, indicated that social security
disability recipients were less likely to succeed in rehabilitation programs
than other types of clients. They cited that the reason for this
was the lack of financial and medical benefits security if they were to
return to work.
CONCLUSION
A reassessment of current private insurance benefit
programs and social security financial and medical benefits rules and regulations
should be initiated to provide the potential employee and employer with
appropriate financial and medical insurance coverage that will protect
the employee and employer from exorbitant post-transplant medical costs
and enhance the return to work potential of the worker.
Work is therapeutic physically, cognitively, and
socially for disabled individuals. Organ transplant recipients make
good,effective employees. They do not have any higher work absences
than non-disabled individuals (Gutkind, 1988). Vocational rehabilitation
services can be effective in educating employers to the benefits of hiring
disabled/transplanted individuals. Transplant recipients can be assisted
in analyzing occupational alternatives and developing work search techniques.
However,with out the financial and medical benefit coverage assurance,vocational
rehabilitation services would not be effective. The role of vocational
rehabilitation should be to educate and guide potential employers and employees
to the effectiveness of there turning worker. Employers need to be
educated to the value of the transplant recipient worker in order to enhance
the employment prospects for the transplant recipient. Organ transplant
recipients need to be assessed for alternative employment prospects that
are within their physical, cognitive,and emotional capabilities.
The possible long-range consequences associated with the improvement
of private insurance programs and the social security benefits programs
are:
1. More transplant recipients will be able to afford to return
to work.
2. Employer costs for hiring and training replacement workers
will be reduced by the return to work of transplant recipients.
3. Medical costs will be better controlled as a result of the
medical cost containment procedures put in to place to manage the catastrophic
medical care program.
4. Social security costs should be reduced as a result of the
organ recipient returning to work and contributing to the Social Security
System.
5. More individuals will donate their organs as a result of the
increased visibility of the individual who has returned to productive living
as a result of another individual's organ donation.
If the current private and social financial and
medical benefit programs can be ameliorated to improve the coverage for
the organ transplant recipients, more recipients will be able to return
to work and be productive members in the work place. The private
and public benefits programs can save money by returning organ transplant
recipients to work, thereby reducing benefits costs, and by implementing
recommended medical cost containment services.
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