Centro de Documentación de Fundación MAPFRE - Claiming behaviour in workers'compensation

MAP20071505419

Claiming behaviour in workers'compensation / Jeff Biddle, Karen Roberts

Using administrative data on workers' compensation claims in Michigan combined with data collected from a sample of workers identified by physicians as having work-related pain in their backs, wrists, hands , this article provides evidence that a substantial number of potentially elegible workers do not file workers'compensation claims . Multivariate analysis identifies the effects of various factors on the probability of filing a workers' compensation claims , conditional on having a work-related health problem. We find that the severity of the worker's condition and the worker's general health are the most important determinants of the decision to file , and that the generosity of wage loss benefits also effects the decision of an eligible worker to file. Finally , claims propensities vary considerably across workplaces, holding all other measured factors constant

En: The Journal of risk and insurance. - Orlando. - Volume 70, number 4, December 2003 ; p.759-780

1. Reclamaciones . 2. Seguro de accidentes de trabajo . 3. Costes económicos . 4. Indemnizaciones . 5. Estados Unidos . 6. Análisis multivariante . I. Roberts, Karen . II. Título. III. Título: The Journal of risk and insurance.