Workers' Compensation Insurance and the Duration of Workplace Injuries


Book Description

This paper uses a new administrative micro-data set to examine the effect of a legislated increase in the minimum and maximum workers' compensation benefit on the duration of workplace injuries in Minnesota. As a result of legislation, workers in some earnings groups received higher benefits if they were injured after the effective date of the benefit increase, while workers in other earnings groups received the same benefit regardless of when they were injured. The analysis compares the change in mean log injury duration for workers who were affected by the benefit increase to that of workers who were not affected by the benefit increase. The findings indicate that the duration of injuries increased by 8 percent more for the group of workers that experienced a 5 percent increase in benefits than for the group of workers that had no change in their benefit. Additional findings suggest that employees of self-insured firms who are injured on the job tend to return to work faster than employees of imperfectly experience rated firms who incur similar injuries.




Managing Workers' Compensation


Book Description

Workers' compensation causes headaches throughout all levels of an organization. Injuries affect production, costs, and morale. Managing Workers' Compensation: A Guide to Injury Reduction and Effective Claim Management lays out - in logical order - management and safety procedures that reduce injuries and the aggravation that follows. The authors c




Workplace Injuries and Diseases


Book Description

The chapters in this volume were originally presented at a conference to honor Terry Thomason,held at the University of Rhode Island in March, 2004. It is about workplace safety and health and issues related to prevention and compensation for occupational injuries and illnesses, a topicto which Terry devoted much of his research life. The volume is intended to serve as a detailedintroduction to the workers' compensation novice but also provide insights to those more familiarwith the area.




Workers' Compensation


Book Description

H. Allan Hunt and Marcus Dillender provide a succinct analysis of the state of WC programs in North America by focusing on three key performance issues: 1) the adequacy of compensation for those disabled in the workplace, 2) return-to-work performance for injured workers, and 3) prevention of disabling injury and disease. Following a brief introductory chapter that provides a discussion of the difficulties of trying to compare so many diverse programs, Hunt and Dillender devote a chapter to each of the three performance issues and provide empirical findings and useful guidance for policymakers and researchers as they set their sights on adapting WC for the twenty-first century.




The Construction Chart Book


Book Description

The Construction Chart Book presents the most complete data available on all facets of the U.S. construction industry: economic, demographic, employment/income, education/training, and safety and health issues. The book presents this information in a series of 50 topics, each with a description of the subject matter and corresponding charts and graphs. The contents of The Construction Chart Book are relevant to owners, contractors, unions, workers, and other organizations affiliated with the construction industry, such as health providers and workers compensation insurance companies, as well as researchers, economists, trainers, safety and health professionals, and industry observers.




Workers' Compensation Insurance


Book Description

The purpose of this document is to help public health researchers and practitioners, particularly those in occupational safety and health, to broaden their understanding of workers' compensation insurance, relevant aspects of the insurance industry records, and the potential uses of that information for public health purposes. Workers' compensation insurance has been established in all states to provide income protection, medical treatment, and rehabilitation for employees who are injured or become ill as a result of work. Workers' compensation claims and medical treatment records along with other information resources have been used to conduct occupational safety and health research and surveillance and to identify intervention needs. Occupational safety and health research and surveillance are essential for the prevention and control of injuries, illnesses and hazards that arise from the workplace. Research and surveillance can fill gaps in knowledge about where hazards exist and what interventions are effective at preventing workplace injuries, illnesses and fatalities. Workers' compensation insurance records are a resource used for these primary prevention purposes. In addition, workers' compensation records may be used for early detection of health outcomes in populations of workers which is part of secondary prevention. They may also be used to help identify effective medical treatment which is part of tertiary prevention. Workers' compensation insurance covers nearly all workers in the U.S. and provides those who are injured or become ill as a result of work with medical treatment, a portion of lost wages, and a lump sum for some permanent impairments. Nonetheless, there are limitations to conducting studies that rely on workers' compensation records since not all injuries and illnesses result in claims being filed. Furthermore, the data that are collected are not readily combined if obtained from multiple sources since requirements vary substantially among the states. The National Institute for Occupational Safety and Health (NIOSH) joined with a number of public and private sector co-sponsors to convene two workshops on the use of workers' compensation data for occupational safety and health. Creation of this document was suggested at the second workshop as a means to describe elements of the workers' compensation insurance programs in the U.S. and the potential to utilize the records for public health purposes. Public health agencies, the workers' compensation industry, trade associations and the state-level programs share interests in utilizing these data to protect workers from occupational injuries and illnesses




Compensating Permanent Workplace Injuries


Book Description

Workers in California experiencing injuries at work that result in permanent partial disabilities (PPD) are eligible to receive compensation. The workers' benefits, doctors' and attorneys' fees, and the system that processes the hundreds of thousands of annual claims cost employers billions of dollars each year. This report evaluates the workers' compensation system by examining its efficiency and the adequacy and equity of its benefits, and suggests system reforms. The authors conducted interviews with system participants and found that the system is still troubled by many of the same problems that plagued it before the 1989 and 1993 reforms. It remains overly costly, complex, and litigious while delivering modest benefits. The authors estimated the wage losses of PPD claimants in 1991-93, and found that even after five years, the injured workers earned considerably less than controls. In addition, injured workers experience considerable time out of work, not just immediately after the injury, but also after the initial return to work. The authors identified particular problems among claims categorized by the workers' compensation system as "minor," the vast majority of claims. For this group, wage replacement rates were lowest. Reform proposals include an elective fast track to streamline claims processing, and a revision to the disability rating schedule to improve the relationship between wage loss and benefits paid.







Safety Practices, Firm Culture, and Workplace Injuries


Book Description

Annotation Workers' Compensation insurance, which covers all medical expenses and part of the lost wages associated with injuries, cost employers $63.9 billion in 2001 (National Academy of Social Insurance, 2004). The indirect costs of accidents lost wages, damage to equipment, training and rehabilitation expenses are several times this amount. On the job injury costs are an important component of the firm's operating expenses. Human resource management can change workers' incentives to take more care on the job (accident prevention), improve workers' incentives to return to work following an accident (loss reduction), and improve workplace efficiency by appropriately involving workers in the firm's decision making.




Workers' Compensation


Book Description