Adequacy of Earnings Replacement in Workers' Compensation Programs

Adequacy of Earnings Replacement in Workers' Compensation Programs
Author: H. Allan Hunt
Publisher: W.E. Upjohn Institute
Total Pages: 172
Release: 2004
Genre: Business & Economics
ISBN: 0880993146

In 1998, NASI convened a study panel of its Workers' Compensation Steering Committee (seep.145 for a list of panel members) to review the earnings replacement benefits under the variousstate and federal workers' compensation programs for workers injured or made ill by their jobs.The Benefit Adequacy Study Panel's task was to examine the extent to which workers'compensation wage replacement benefits paid to injured workers replace their lost wages, and toassess the adequacy of wage replacement.

Workers' Compensation

Workers' Compensation
Author: H. Allan Hunt
Publisher: W.E. Upjohn Institute
Total Pages: 138
Release: 2017-05-18
Genre: Health & Fitness
ISBN: 0880995300

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.

Examining the adequacy of workers' compensation benefits

Examining the adequacy of workers' compensation benefits
Author:
Publisher:
Total Pages: 0
Release: 2011
Genre:
ISBN:

For example, in both of the Ontario programs, less than 30 per cent of the Claimants in the under 5 per cent and in the 50 per cent claimants were in the "less than 5 per cent" impairment or greater impairment categories had similar earnings category. [...] Those in the mid-range impair- very small share of the claimants had over 50 per cent ment categories did somewhat better in the B. C. program: impairments - one per cent in both Ontario programs, their earnings recovery increased over time at a greater two per cent in B. C. (The methods used to assess the pace than claimants in the same category under the two degree of impairment were somewhat di [...] In con- pairment (under 5 per cent; 5-10 per cent; 10-20 per cent; trast, in the over 50 per cent impairment category, over 60 20-50 per cent; and over 50 per cent), and for each of the per cent of claimants earned less than one quarter of the three workers' compensation programs. [...] The percentage of To examine earnings variability in the labour market claimants in the overall sample that achieved at least a generally, the research team selected one member of 90 per cent earnings replacement rate was 50 per cent each control group and compared the earnings of the for the pre-1990 Ontario program, 54 per cent for the selected controls over the 10-year period with those of post [...] This sum was compared with the earnings of the for labour market earnings alone - one effect of the control groups over the 10-year period beginning with the benefits programs was to smooth out the distribution of year of injury.

Permanent Disability Benefits in Workers' Compensation

Permanent Disability Benefits in Workers' Compensation
Author: Monroe Berkowitz
Publisher: W. E. Upjohn Institute
Total Pages: 488
Release: 1987
Genre: Business & Economics
ISBN:

Investigates the adequacy and equity of permanent partial disability benefits and the efficiency of the procedures and standards used to provide these benefits. Includes a Ten-State Study and a summary of a Wage-Loss Study in three of these ten states.

An Evaluation of New Mexico Worker's Compensation Permanent Partial Disability and Return to Work

An Evaluation of New Mexico Worker's Compensation Permanent Partial Disability and Return to Work
Author:
Publisher:
Total Pages: 90
Release: 2001
Genre: Disability insurance
ISBN:

The New Mexico workers' compensation system has been widely regarded as a success story since it was significantly reformed a decade ago. Workers' compensation costs for the state's employers are among the lowest in the country, insurer profits are among the highest, and the system is among the least litigious. Given this environment, this book evaluates the adequacy and equity of workers' compensation indemnity for New Mexico workers receiving permanent partial disability benefits. The authors compare outcomes for workers with partially disabling occupational injuries in New Mexico with outcomes for their counterparts in California, Washington, Oregon, and Wisconsin. After controlling for differences across the five states, New Mexico's replacement rates fall in the middle; however, benefits for sustained earnings losses are not adequate by the commonly cited standard of two-thirds pre-tax wage replacement. Scheduled injuries, which include primarily injuries to the arms and legs, are less adequately compensated than unscheduled injuries, which are primarily injuries to the back. The duration of time until an employee's return to work in New Mexico is much longer than that in other states, which may be accounted for by the other states' active return-to-work programs.

Compensating Permanent Workplace Injuries

Compensating Permanent Workplace Injuries
Author: Mark A. Peterson
Publisher: RAND Corporation
Total Pages: 248
Release: 1998
Genre: Business & Economics
ISBN:

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.