Contact currents occur when a person touches conductive surfaces at differe
nt potentials and completes a path for current flow through the body. Such
currents provide an additional coupling mechanism to that, due to the direc
t field effect between the human body and low-frequency external fields. Th
e scalar potential finite difference method, with minor modifications, is a
pplied to assess current density and electric field within excitable tissue
and bone marrow due to contact current. An anatomically correct adult mode
l is used, as well as a proportionally downsized child model. Three pathway
s of contact current are modeled: hand to opposite hand and both feet, hand
to hand only, and hand to both feet. Because of its larger size relative t
o the child, the adult model has lower electric field and current-density v
alues in tissues/unit of contact current. For a contact current of 1 mA [th
e occupational reference level set by the International Commission on Non-i
onizing Protection (ICNIRP)], the current density in brain does not exceed
the basic restriction of 10 mA/m(2). The restriction is exceeded slightly i
n the spine, and by a factor of more than 2 in the heart. For a contact cur
rent of 0.5 mA (ICNIRP general public reference level), the basic restricti
on of 2 mA/m(2) is exceeded several-fold in the spine and heart. Several mi
croamperes of contact current produces tens of mV/m within the child's lowe
r arm bone marrow.