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Workers' Compensation Insurance, Experience-Rating, and Occupational Injuries
Abstract
This article examines how an increase in workers' compensation indemnity benefits affects injury rates when firms are experience-rated to varying degrees. The theoretical model shows that an increase in benefits has a smaller effect on injury rates in more highly experience-rated firms. Since an institutional characteristic of workers' compensation insurance is that larger firms tend to be more highly experience-rated, the empirically testable hypothesis is that there is a smaller relationship between benefits and injury rates in larger firms. The hypothesis is tested with injury rate regressions estimated by using data on 25 three-digit U.S. manufacturing industries for the years 1972-1979. Support for the hypothesis is found when the frequency of all injuries is the dependent variable, but the evidence for the hypothesis is less strong when the dependent variable is the frequency of lost-workday injuries.
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Citations
Cited by
Chapter 12 The theory of equalizing differences
Rosen, S. (1986) · Handbook of Labor Economics · doi:10.1016/s1573-4463(86)01015-5 · Cited by 1,301
Labor Supply Effects of Social Insurance
Krueger, A., & Meyer, B. (2002) · National Bureau of Economic Research · doi:10.3386/w9014 · Cited by 300
Compensating Wage Differentials and the Endogeneity of Job Riskiness
Garen, J. (1988) · The Review of Economics and Statistics · doi:10.2307/1928145 · Cited by 259
Automobile insurance ratemaking in the presence of asymmetrical information
Dionne, G., & Vanasse, C. (1992) · Journal of Applied Econometrics · doi:10.1002/jae.3950070204 · Cited by 173
Metadata
- Authors
- Ruser, J. W.
- Venue
- The RAND Journal of Economics
- Publisher
- Wiley
- Published
- 1985
- Volume
- 16
- Issue
- 4
- Pages
- 487
- ISSN
- 0741-6261 (ISSN-L)
- OpenAlex
- W2082645742
- Cited by
- 174
- References
- 0
- FWCI
- 10.85
- Type
- journal article
- Language
- en
- Open access
- closed
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- Ruser, J. W. (1985). Workers' Compensation Insurance, Experience-Rating, and Occupational Injuries. The RAND Journal of Economics. https://doi.org/10.2307/2555508
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Bibliographic data: Semantic Scholar, OpenAlex, Crossref.
Contains information from the Semantic Scholar Academic Graph Datasets, made available under the ODC Attribution License (ODC-BY 1.0).
Semantic Scholar’s data is described in: Kinney, R., et al. (2023). The Semantic Scholar Open Data Platform. arXiv:2301.10140.
