Analyzing Workers’ Compensation Claims and Payments Made Using Data from a Large Insurance Provider

International Journal of Environmental Research and Public Health

Bunyamin Ozaydin¹  NavneetKaur Baidwan¹  NathanW. Carroll¹  Neeraj Puro² 

[1] Department of Health Administration, School of Health Professions, University of Alabama at Birmingham, Birmingham, AL 35294, USA;Health Administration Programs, School of Business, Florida Atlantic University, Boca Raton, FL 33431, USA;

关键词: Workers’ Compensation;    injuries;    payments;   

DOI  :  10.3390/ijerph17197157

来源: DOAJ

【 摘 要 】

Background: All states in the USA have established Workers’ Compensation (WC) insurance systems/programs. WC systems address key occupational safety and health concerns. This effort uses data from a large insurance provider for the years 2011–2018 to provide estimates for WC payments, stratified by the claim severity, i.e., medical only, and indemnity. Methods: Besides providing descriptive statistics, we used generalized estimating equations to analyze the association between the key injury characteristics (nature, source, and body part injured) and total WC payments made. We also provide the overall cost burden for the former. Results: Out of the total 151,959 closed claims, 83% were medical only. The mean overall WC payment per claim for the claims that resulted in a payment was $1477 (SD: $7221). Adjusted models showed that mean payments vary by claim severity. For example, among medical only claims, the mean payment was the highest for amputations ($3849; CI: $1396, $10,608), and among disability and death related claims, ruptures cost the most ($14,285; $7772, $26,255). With frequencies taken into account, the overall cost burden was however the highest for strains. Conclusions: Workplace interventions should prioritize both the costs of claims on average and the frequency.

【 授权许可】

Unknown