Unclaimed Injuries and Workers' Compensation Adequacy

描述：工人补偿制度旨在提供健康 向所有受伤或患病的美国工人提供关怀和补偿 在工作场所不计过错。不过，初步分析， 这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统计和政策因素 和疾病不提出索赔；(2)重新评估工人的适当性 补偿工资替代率，鉴于许多工人这样做 不提出索赔或接受任何形式的福利。对第一个问题的思考 Goal揭示了一个令人惊讶的发现，最脆弱的工人--那些有 针对工作场所伤害和疾病的最低替代保险-可能是 那些最不可能申请工人补偿的人。他们可能面临更高的 提出工人赔偿要求的费用。为了实现第二个目标，我们 计算几年内因工作场所而损失的工资总额 工伤，我们将把它与工人赔偿支付的福利进行比较。 这些计算将包括支付给不这样做的工人的零福利 提交索赔申请。 我们将使用国家青年纵向调查(NLSY)，这是一个公共用途 由美国劳工部赞助的数据库。NLSY的使用 在两个重要方面开创了新的经验基础。首先，NLSY是一个 具有全国代表性的数据库，包含关于 4,000起工伤事故，而之前对工人赔偿的分析 备案仅限于使用现场、公司或地区特定的数据。 其次，NLSY拥有关于收入的纵向数据以及无人认领的数据 工伤，而之前对工人补偿充分性的分析 仅限于提出索赔的工人。 这项研究属于NIOSH的NIOA社会和经济优先领域 工作场所伤害和疾病的后果。

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.