School of Social Work, University of Texas at Austin, Austin, Texas, USA.
Soc Work Health Care. 2010;49(7):647-68. doi: 10.1080/00981380903426806.
The Uniform Accident and Sickness Policy Provision Law (UPPL) is a state statute that allows insurance companies in 26 states to deny claims for accidents and injuries incurred by persons under the influence of drugs or alcohol. Serious repercussions can result for patients and health care professionals as states enforce this law. To examine differences within the laws that might facilitate amendments or reduce insurance companies' ability to deny claims, a content analysis was carried out of each state's UPPL law. Results showed no meaningful differences between each state's laws. These results indicate patients and health professionals share similar risk related to the UPPL regardless of state.
《统一事故和疾病保险条款法》（UPPL）是一项州法规，允许 26 个州的保险公司拒绝因吸毒或酗酒而导致的意外伤害索赔。由于各州执行这项法律，患者和医疗保健专业人员可能会受到严重影响。为了研究法律中的差异，以便于修改或减少保险公司拒绝理赔的能力，对每个州的 UPPL 法律进行了内容分析。结果表明，各州法律之间没有明显差异。这些结果表明，无论在哪个州，患者和医疗保健专业人员都面临着与 UPPL 相关的相似风险。
