Unclaimed Injuries and Workers' Compensation Adequacy

无人认领的伤害和工伤赔偿充足性

• 批准号: 6477769
• 负责人: DARIUS N. LAKDAWALLA
• 金额: $ 8.84万
• 依托单位: RAND CORPORATION
• 依托单位国家: 美国
• 财政年份: 2002
• 资助国家: 美国
• 起止时间: 2002-09-01 至 2004-08-31
• 项目状态: 已结题
• 来源: https://reporter.nih.gov/project-details/6477769
• 关键词: behavioral /social science research tag; clinical research; data collection methodology /evaluation; disability insurance; human data; income; income maintenance; information systems; injury; longitudinal human study; occupational health /safety; occupational psychology; occupations; work site

DESCRIPTION: The workers' compensation system is designed to provide health care and compensation to all American workers who suffer injuries or illnesses in the workplace without regard to fault. However, preliminary analysis suggests that only half of injured workers file claims. In light of this fact, we propose research with two key goals: (1) To understand the economic, demographic, and policy factors that cause workers with occupational injuries and illnesses not to file claims; (2) To reassess the adequacy of workers' compensation wage replacement rates, in light of the fact that many workers do not file claims or receive benefits of any kind. Consideration of the first goal reveals the surprising finding that the most vulnerable workers-those with the least alternative insurance against workplace injuries and illnesses-may be the ones least likely to file for workers' compensation. They may face higher costs of filing workers' compensation claims. To pursue the second goal, we calculate the total wages lost over several years as a result of a workplace injury, which we will compare to the benefits paid by workers' compensation. These calculations will include the zero benefits paid to workers who do not file claims. We will use the National Longitudinal Survey of Youth (NLSY), a public-use database sponsored by the United States Department of Labor. Use of the NLSY breaks new empirical ground in two important ways. First, the NLSY is a nationally representative database, containing extensive information on over 4,000 workplace injuries, while previous analyses of workers' compensation filing have been limited to the use of site-, firm-, or region-specific data. Second, the NLSY has longitudinal data on earnings as well as unclaimed injuries, while previous analyses of the adequacy of workers' compensation have been limited to workers who file claims. This research is within NIOSH's NORA priority area of the Social and Economic Consequences of Workplace Injuries and Illnesses.

描述：工人赔偿制度旨在提供健康 为所有受伤或患病的美国工人提供护理和赔偿 在工作场所，不考虑过错。不过初步分析 表明只有一半的受伤工人提出索赔。鉴于这一事实， 我们提出的研究有两个关键目标：（1）了解经济， 造成工人职业伤害的人口和政策因素 以及不提出索赔的疾病； (2) 重新评估工人的充足性 补偿工资替代率，鉴于许多工人确实这样做 不提出索赔或接受任何形式的福利。考虑第一个 目标揭示了一个令人惊讶的发现，即最弱势的工人——那些患有 针对工作场所伤害和疾病的最少替代保险可能是 最不可能申请工人赔偿的人。他们可能面临更高的 提出工人赔偿索赔的费用。为了实现第二个目标，我们 计算几年来因工作场所而损失的工资总额 伤害，我们将其与工伤赔偿所支付的福利进行比较。 这些计算将包括向不这样做的工人支付的零福利 提出索赔。 我们将使用全国青年纵向调查（NLSY），这是一项公共用途 由美国劳工部赞助的数据库。 NLSY 的使用 在两个重要方面开辟了新的经验基础。首先，NLSY 是 国家代表性数据库，包含超过 4,000 起工伤事故，而之前对工人赔偿的分析 备案仅限于使用特定于地点、公司或地区的数据。 其次，NLSY 有收入和无人认领的纵向数据 工伤，而之前对工人赔偿充足性的分析表明 仅限于提出索赔的工人。 这项研究属于 NIOSH 的 NORA 社会和经济优先领域 工作场所受伤和疾病的后果。