The Impact of Workers’ Compensation Experience-Rating on Discriminatory Hiring Practices

2007 ◽  
Vol 41 (3) ◽  
pp. 681-699 ◽  
Author(s):  
Mark Harcourt ◽  
Helen Lam ◽  
Sondra Harcourt
Keyword(s):  
Hiring Practices ◽  
Workers Compensation ◽  
Experience Rating ◽  
The Impact

scholarly journals Employer Responses to Workers' Compensation Insurance Experience Rating

2005 ◽  
Vol 49 (1) ◽  
pp. 41-61 ◽  
Author(s):  
Boris Kralj
Keyword(s):  
Logit Model ◽  
Financial Incentives ◽  
Insurance Premium ◽  
Workers Compensation ◽  
Experience Rating ◽  
Response Data ◽  
Workplace Accidents ◽  
Compensation Claims ◽  
The Impact

This paper investigates the impact of an Insurance premium experience rating mechanism that is designed to induce firms to reduce the incidence of workplace accidents and accident daims costs. Logit model analysis of survey-response data and case study information are used to analyze the impact of the introduction of workers compensation Insurance premium experience rating on employer behaviour in Ontario. The key result is that the financial incentives provided by experience rating have induced employers to alter their behaviours and undertake strategies aimed at both accident prevention (reducing accident frequency rates) and reducing workers ' compensation claims costs.

scholarly journals impact of workers’ compensation benefit cessation on welfare and health service use

2021 ◽  
Vol 6 (1) ◽  
Author(s):  
Tyler Lane ◽  
Janneke Berecki-Gisolf ◽  
Ross Iles ◽  
Alex Collie ◽  
Peter Smith
Keyword(s):  
Emergency Department ◽  
Social Services ◽  
State Hospital ◽  
Service Use ◽  
Third Party ◽  
Community Control ◽  
Workers Compensation ◽  
Health Insurance Data ◽  
Medical Benefits ◽  
The Impact

BackgroundIn 2012, the Australian state of New South Wales passed legislation that reformed its workers’ compensation system. Section 39 introduced a five-year limit on income replacement, with the first affected group having their benefits cease in December 2017. There is limited evidence on how this will affect their healthcare service use and where they will go for financial support. MethodsMultiple data sources will be linked: administrate workers’ compensation claims data from the State Insurance Regulatory Authority (SIRA), universal health insurance data from the Medical Benefits Schedule (MBS) and Pharmaceutical Benefits Scheme (PBS), state hospital and emergency department data, and social welfare data from the Department of Social Services’ Data Over Multiple Individual Occurrences (DOMINO). An estimated 4,125 injured workers had their benefits cease due to Section 39. These will form the exposure group who will be compared to 1) a similar group of workers’ compensation claimants who have had at least two years of compensated time off work but whose benefits did not cease due to Section 39; and 2) a community comparison group drawn from state hospital and emergency department records. An accredited third party will link the data, which will be accessible only via secure virtual machine. Initial analyses will compare the prevalence and incidence of service use across groups in both the year before and year after benefit cessation; the community control will be assigned the median benefit cessation date in lieu of an actual date. To estimate the impact of benefit cessation due to Section 39, we will conduct time series analysis of the prevalence and incidence of service use. DiscussionThis study will provide much-needed evidence on the consequences of long-term benefit cessation, particularly on subsequent healthcare and welfare service use.

scholarly journals O2C.5 Increasing costs of occupational injuries in association with high ambient temperatures in adelaide, south australia, 2000–2014

2019 ◽  
Vol 76 (Suppl 1) ◽  
pp. A17.2-A17
Author(s):  
Jianjun Xiang ◽  
Alana Hansen ◽  
Dino Pisaniello ◽  
Peng Bi
Keyword(s):  
Older Workers ◽  
South Australia ◽  
Economic Benefits ◽  
Retail Trade ◽  
Maximum Temperature ◽  
Workers Compensation ◽  
Work Related ◽  
Compensation Claims ◽  
The Impact ◽  
Compensation Costs

ObjectiveTo investigate the impact of ambient temperature on compensation costs due to work-related injuries, and to provide an evidence base about the economic benefits of developing workplace heat prevention strategies in a warming climate.MethodsWorkers’ compensation claims obtained from SafeWork South Australia for 2000–2014 were transformed into daily time series format and merged with meteorological data. The relationship between temperature and compensation costs were estimated using a generalized linear model after controlling for long-term trends, seasonality, and day of week. A piecewise linear spline function was used to account for non-linearity.ResultsA total of 4 64 139 workers’ compensation claims were reported during the 15 year period in South Australia, resulting in AU$14.9 billion dollars compensation payment. Overall, it is a reversed V-shaped temperature-cost association. A 1°C increase in maximum temperature was associated with a 1.1% (95% CI, 0.2%–2.0%) increase in daily injury compensation expenditure below 35.2°C. Specifically, significant increases of injury costs were observed in males (1.4%, 95% CI 0.3%–2.5%), young workers (3.0%, 95% CI 1.2%–4.9%), older workers≥65 years (2.4%, 95% CI 0.5%–4.4%), labourers (2.7%, 95% CI 0.5%–4.8%), machinery operators and drivers (3.5%, 95% CI 1.6%–5.3%) and the following industries: agriculture, forestry, fishing and hunting (12.3%, 95% CI 2.2%–23.3%); construction (7.8%, 95% CI 0.02%–16.3%); and wholesale and retail trade (2.4%, 95% CI 0.5%–4.4%). Costs for compensating occupational burns and ‘skin and subcutaneous tissue diseases’ increased by 3.1% (95% CI 1.2%–5.1%) and 2.7% (95% CI 0.1%–5.4%) respectively, with a 1°C increase in maximum temperature.ConclusionThere is a significant association between temperature and work-related injury compensation costs in Adelaide, South Australia for certain subgroups. Heat attributable workers’ compensation costs may increase with the predicted rising temperature.

scholarly journals The impact of work injury and permanent impairment on the probability of poverty

2014 ◽  
Vol 9 ◽  
Author(s):  
Emile Tompa
Keyword(s):  
British Columbia ◽  
Family Income ◽  
Injured Workers ◽  
Simple Random Sample ◽  
Workers Compensation ◽  
Work Injury ◽  
Post Injury ◽  
Permanent Disability ◽  
The Impact ◽  
Poverty Levels

Objectives: We investigate the prevalence of poverty across different workers compensation programs using large representative samples of workers’ compensation claimants who have sustained a permanent impairment from a work injury. The programs, which have existed in the provinces of Ontario and British Columbia, Canada over the last 25 years, are the Permanent Disability (PD) program, the Future Economic Loss (FEL) program, the Loss of Earnings (LOE) program, and the Bifurcated Benefits (BB) program. The nature of benefit determination and the return to work supports provided by the four programs are very different. The focus of the study is on evidence of programmatic impact on the probability of poverty in the nine years post injury.Methods: The study included claimants sampled from each of the four programs who sustained a permanent impairment from a work injury. Claimants were identified in a Revenue Canada tax database know as the Longitudinal Administrative Databank (LAD), which is a longitudinal 20% simple random sample of all Canadian tax filers. Each claimant was matched with similar uninjured controls that were also in the LAD, based on sex, age, labour-market earnings amounts and trajectories in the four years prior to injury, family income, marital status, number of children, and a propensity score. Descriptive analysis was undertaken to compare near poverty, poverty and deep poverty levels of claimants relative to their match controls using data on family and individual earnings over a ten-year period post injury. Statistical modeling was used to determine the probability of poverty and near poverty for claimants versus controls. A key issue of interest was to determine was whether the probability of poverty differed between programs.Results: Based on after-tax adjusted family income, the level of poverty was quite low, less than 2% in every program over a ten-year period. The level of poverty was also lower for claimants than their matched controls, but only nominally so. The BB program had the lowest proportion of poverty followed by the PD program, the FEL program and then the LOE program. In the statistical modelling analysis male claimants did not have a higher probability of poverty compared to controls, though female claimants did. Both male and female claimants had a higher probability of near poverty.Conclusions: Poverty levels are very low for workers’ compensation claimants who sustain permanent impairments from a work injury across different programs and time periods in Ontario and British Columbia. Overall the Bifurcated Benefits program from British Columbia had the lowest proportion of claimants in poverty in absolute terms and relative to non-injured workers. Increased levels of poverty due to work injury and permanent impairment are particularly a concern for female claimants, though both female and male claimants have a higher chance of near poverty compared to non-injured workers.

Liability-Driven Ethics: The Impact on Hiring Practices

1994 ◽  
Vol 4 (3) ◽  
pp. 321-333
Author(s):  
Rosalind Ladd ◽  
Lynn Pasquerella ◽  
Sheri Smith
Keyword(s):  
Health Care ◽  
Self Determination ◽  
Hiring Practices ◽  
Health Care Insurance ◽  
The Impact

Abstract:This paper examines economic arguments employers sometimes use to justify restricting or excluding from employment those workers who are likely to incur high costs in health care insurance. We argue that, although profit-making is a legitimate goal for businesses, hiring practices based on non-job-related criteria violate principles of self determination, autonomy, discrimination, justice, and privacy. We conclude that hiring practices based on liability-driven ethics are not morally justified, but that as long as health care insurance and employment are linked, businesses will continue to have an incentive to use liability-driven arguments.

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