some questions I need answers for
Mar. 19th, 2011 04:56 pm![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
mickeymAs they're relevant to my Big Bang. Anyone who can answer these will have my undying devotion :)
Life Insurance: in the event of a death (auto accident, not the policy holder's fault), how soon would the named beneficiary receive the payout? Is it paid as a lump sum, or in installments? Are taxes taken out of it, or does the beneficiary have to take care of that?
Auto Insurance: how would this work, if it's the fault of the other party? Would that party's insurance contact the survivors of the accident, or do the survivors have to do the contacting? Presumably doctor bills, etc., would be either paid up front or reimbursed by the party at fault?
Medical: you have a 16yr old brought to your ER. Both parents are dead; nearest surviving relative is on the way, but not expected for several hours. Patient is bleeding internally, in addition to a broken leg and assorted contusions, etc. Would the doctors take the patient into surgery w/out a signed consent form, rather than risk patient's life further? Or would they be forced to wait? Could the emergency (non-relative) contact give prelim consent for the surgery?
Any help is greatly appreciated :)
Life Insurance: in the event of a death (auto accident, not the policy holder's fault), how soon would the named beneficiary receive the payout? Is it paid as a lump sum, or in installments? Are taxes taken out of it, or does the beneficiary have to take care of that?
Auto Insurance: how would this work, if it's the fault of the other party? Would that party's insurance contact the survivors of the accident, or do the survivors have to do the contacting? Presumably doctor bills, etc., would be either paid up front or reimbursed by the party at fault?
Medical: you have a 16yr old brought to your ER. Both parents are dead; nearest surviving relative is on the way, but not expected for several hours. Patient is bleeding internally, in addition to a broken leg and assorted contusions, etc. Would the doctors take the patient into surgery w/out a signed consent form, rather than risk patient's life further? Or would they be forced to wait? Could the emergency (non-relative) contact give prelim consent for the surgery?
Any help is greatly appreciated :)
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no subject
Date: 2011-03-19 09:20 pm (UTC)Auto insurance I don't know about.
Medical: in the 80s in Calif (when my mother worked in an ER) all patients were stabilised when they were brought in from auto accidents via ambulance even if they were underage. They did not wait to find someone to sign a consent form first because waiting could be deadly to a patient who wasn't stabilised.
But it may vary by state or it may be different now. (I hope it's not; for many injuries the length of time before treatment strongly impacts the chance for survival.)
no subject
Date: 2011-03-19 10:07 pm (UTC)