Workers' Compensation

Workers' Compensation Has a Drug Problem- Summer 2009 - Vol. 21, No. 2 - available PDF file

It’s surprising to learn that the cost of prescription drugs consumes the largest portion of the workers’ compensation dollar—more than any other medical service.

Workers' Comp Steamrolls Industry - And You Thought Healthcare Insurance Was Out of Control! - Fall 2007-Vol.19, No.2 - available PDF file

For five consecutive years, workers’ compensation premiums for employers in the U.S. have risen at rates faster than employee benefits and medical care.

Just Say No! – Workers’ Compensation Use Under Scrutiny - Summer 2005 - Vol.17, No.2 - available PDF file

Use of the prescription pain medicine OxyContin in treating on-the-job injuries is coming under scrutiny as policy makers and insurers weigh the drug’s benefits against its potential misuse. This analysis explores the prolific use of the drug and the impact on workers’ comp claims.

Workers' Compensation: State Report Cards - Winter 2004-Vol. 14, No. 1 - available PDF file

A state report card published by the Work Loss Data Institute that rates the effectiveness of individual states and territories in limiting the number of workplace injuries and illnesses. The eight states and territories that flunked may be unexpected.

Terror Causes Higher Rates - Spring 2002-Vol. 12, No.2 - available PDF file

In the wake of September 11, workers’ compensation insurers are attempting to raise rates to cover future and potential losses from terrorist acts.

Worker Compensation: Golden Delicious vs. Granny Smith - Fall 2001-Vol. 11, No.4 - available PDF file

State-to-state comparison of worker compensation costs based on “Loss Cost”. Loss Cost represents the expected benefits that insurers pay per $100 of payroll.

Don’t Use Your Head - Fall 1999-Vol. 9, No. 3 - available PDF file

National Council on Compensation Insurance (NCCI) data on the most costly lost-time workers’ compensation claims by type of bodily injury. Head injuries lead the pack at $21,601 per claim.

They’re Dropping Faster than Clinton’s Pants - Spring 1998-Vol.9, No.1 - available PDF file

The AM Best Company 1997 Annual Workers’ Compensation Insurance Market Annual Report states that workers compensation premiums continue to decline. Increased competition among insurance providers, large deductible policies, and state reform programs are the primary reasons. Presented is a state-by-state comparison of rate changes.

Where Comped Workers Live - Fall 1997-Vol.8, No.2 - available PDF file

A state-by state ranking and comparison of 5 years’ data on workers compensation costs.

Safety Concern in Economic Upturn - Fall 1996-Vol.7, No. 3 - request reprint

According to the National Council on Compensation Insurance (NCCI), the economic upturn has increased the level of worker’s compensation claims.

Carpel Tunnel Syndrome or Hype - Fall 1996-Vol.7, No. 3 - request reprint

A 1994 state of Oregon study explores the difference between Carpel Tunnel Syndrome (CTS) perceptions and reality, citing data on the incidence of CTS by type of employment.

The High Price of Low Risk - Spring 1996-Vol. 7, No.2 - request reprint

A state-by-state comparison of the percentage of companies in workers compensation assigned risk pool coverage.

The HMO Trap - Spring 1996-Vol. 7, No.2 - request reprint

As medical costs continue to rise, the emergence of HMO’s has allowed many companies to better control medical costs. However, a study suggests that HMO’s actually increase worker’s compensation costs due to their higher propensity to classify claims as compensable under workers compensation, since they make more money that way.

A Road Map to Lower Workers Compensation Costs - Summer 1995-Vol.6, No.4 - request reprint

A state-by-state comparison of workers compensation cash indemnity and medical payments per employee

Reforming Workers' Compensation - Spring 1995-Vol.6, No.3 - request reprint

Workers' compensation costs are expensive and states want to launch reforms emulating Oregon’s cost improvement plan. Oregon’s focus: health and safety in the workplace, which brought about promising results and a 30% decline in worker’s compensation premiums.

The Computer Injury Syndrome - Spring 1994-Vol.5, No.3 - request reprint

The new syndrome is known as cumulative trauma disorder (CTD) attributable to jobs of a repetitive nature, such as data entry. As a result, CTD could escalate worker’s compensation claims and become a rallying cry for organized labor.

Buckle Up for Lower Worker’s Compensation Costs - Spring 1994-Vol.5, No.3 - request reprint

Having employees use seat belts is a low cost way to effect significant reductions in workers compensation claims. The 320,000+ on-the-job vehicle accidents annually account for over one third of all workers comp costs.