요골(각종골절)의 후유장해 보상

관절은 뼈와 뼈가 맞닿아 있는 부위이기 때문에 골절의 부위나 정도에 따라서는 관절 움직임에도 제한이 발생 할 수 있습니다. 문제는 골절의 치료에도 불구하고 관절 움직임이 정상으로 돌아오지 않는 경우가 있다는 점인데, 이처럼 골절로 인해 남은 관절장애가 5년 이상 지속 되는 때에는 개인보험의 후유장해 특약으로부터 보상을 받을 수 있습니다.

요골의 경우에는 구체적인 골절 부위에 따라 손목 또는 팔꿈치 관절의 움직임에 장애를 남기기도 하지요. 

김OO님의 경우에는 야구를 하다 요골 골두에 골절상을 입어 팔꿈치 관절의 움직임에 장애가 남게 되셨습니다. 후유장해는 운동범위가 정상에 비해 얼마나 제한 되었는가에 따라 아래와 같이 보상 됩니다.

팔꿈치 관절의 정상 운동범위는 310인데에 비해 고OO님은 205도로 제한 되었으므로 위 표에서 지급률 5%인 약간의 장해에 해당합니다.

지급률은 보험금을 계산하는 지표로, 후유장해 특약 가입 금액에 곱하여 보험금을 산출합니다. 가령 후유장해 가입 금액이 1억원이라면 1억원 X 5% = 500만원이 지급 받을 보험금입니다.

단, 장애가 영구적이지 않고 한시적일 때는 위 계산에서 다시 20%를 곱한 금액만이 지급 되며, 한시장해 중에서도 5년 미만은 아예 지급 대상으로 인정하지 않습니다.

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