Analysis of the Uniform Accident and Sickness Policy Provision Law: Lessons for Social Work Practice, Policy, and Research

Abstract

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.

KEYWORDS:

• substance abuse policy
• drugs and alcohol
• health care
• health insurance