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The Wage Replacement Rate and Benefit Utilization in Workers' Compensation Insurance
John D. Worrall and David Appel
The Journal of Risk and Insurance
Vol. 49, No. 3 (Sep., 1982), pp. 361-371
Published by: American Risk and Insurance Association
Stable URL: http://www.jstor.org/stable/252492
Page Count: 11
You can always find the topics here!Topics: Workers compensation insurance, Health care costs, Replacement value, Disabilities, Wages, Insurance payouts, Insurance claims, Indemnity insurance, Insurance rates, Social insurance
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Both indemnity claims and costs are affected by the rate at which wages are replaced in the workers' compensation program. This article examines the magnitude of these effects in the state of Texas. The research indicates that there are sizeable increases in the relative frequency of indemnity claims and costs as the replacement rate increases. Failure to recognize these increases could lead to serious underestimates of the cost of benefit changes.
The Journal of Risk and Insurance © 1982 American Risk and Insurance Association