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How Does Health Insurance Affect Workers' Compensation Filing?

Author

Listed:
  • DARIUS N LAKDAWALLA
  • ROBERT T REVILLE
  • SETH A SEABURY

Abstract

"About half of injured workers choose not to file workers' compensation claims. This is thought to result from their use of health insurance instead of workers' compensation. However, the data suggest that insured workers are actually less likely to file than their more vulnerable uninsured counterparts. We found that this relationship emerges as the result of employer characteristics and, in particular, that employers who offer health insurance to employees are more likely to have workers who file claims; this is much more important than the insurance status of workers themselves or fixed worker characteristics." ("JEL" I1, J3) Copyright 2006 Western Economic Association International.

Suggested Citation

  • Darius N Lakdawalla & Robert T Reville & Seth A Seabury, 2007. "How Does Health Insurance Affect Workers' Compensation Filing?," Economic Inquiry, Western Economic Association International, vol. 45(2), pages 286-303, April.
  • Handle: RePEc:bla:ecinqu:v:45:y:2007:i:2:p:286-303
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    References listed on IDEAS

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    1. David Card & Brian P. McCall, 1996. "Is Workers' Compensation Covering Uninsured Medical Costs? Evidence from the “Monday Effectâ€," ILR Review, Cornell University, ILR School, vol. 49(4), pages 690-706, July.
    2. Jeff Biddle & Karen Roberts, 2003. "Claiming Behavior in Workers' Compensation," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 70(4), pages 759-780.
    3. Meyer, Bruce D & Viscusi, W Kip & Durbin, David L, 1995. "Workers' Compensation and Injury Duration: Evidence from a Natural Experiment," American Economic Review, American Economic Association, vol. 85(3), pages 322-340, June.
    4. John W. Ruser, 1985. "Workers' Compensation Insurance, Experience-Rating, and Occupational Injuries," RAND Journal of Economics, The RAND Corporation, vol. 16(4), pages 487-503, Winter.
    5. Krueger, Alan B., 1990. "Incentive effects of workers' compensation insurance," Journal of Public Economics, Elsevier, pages 73-99.
    6. Baker, Laurence C. & Krueger, Alan B., 1995. "Medical costs in workers' compensation insurance," Journal of Health Economics, Elsevier, vol. 14(5), pages 531-549, December.
    7. James R. Chelius, 1982. "The Influence of Workers' Compensation on Safety Incentives," ILR Review, Cornell University, ILR School, vol. 35(2), pages 235-242, January.
    8. John M. Abowd & Francis Kramarz & David N. Margolis, 1999. "High Wage Workers and High Wage Firms," Econometrica, Econometric Society, vol. 67(2), pages 251-334, March.
    9. Baker, Laurence C. & Krueger, Alan B., 1997. "Medical costs in workers' compensation insurance: Reply," Journal of Health Economics, Elsevier, vol. 16(5), pages 623-624, October.
    10. Frank Neuhauser & Steven Raphael, 2004. "The Effect of an Increase in Worker's Compensation Benefits on the Duration and Frequency of Benefit Receipt," The Review of Economics and Statistics, MIT Press, vol. 86(1), pages 288-302, February.
    11. repec:aph:ajpbhl:2002:92:9:1421-1429_2 is not listed on IDEAS
    12. Barry T. Hirsch & David A. MacPherson & J. Michael Dumond, 1997. "Workers#x0027; Compensation Recipiency in Union and Nonunion Workplaces," ILR Review, Cornell University, ILR School, vol. 50(2), pages 213-236, January.
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    Citations

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    Cited by:

    1. Dillender, Marcus, 2015. "The effect of health insurance on workers’ compensation filing: Evidence from the affordable care act's age-based threshold for dependent coverage," Journal of Health Economics, Elsevier, vol. 43(C), pages 204-228.
    2. Woock, Christopher, 2009. "Unions and the decision to apply for and the receipt of workers' compensation benefits," MPRA Paper 14689, University Library of Munich, Germany.
    3. Woock, Christopher, 2009. "Do unions protect injured workers from earnings losses?," MPRA Paper 16856, University Library of Munich, Germany.
    4. repec:mrr:papers:wp341 is not listed on IDEAS
    5. Woock, Christopher, 2007. "The earnings losses of injured men: Accounting for injuries outside the Workers' Compensation system," MPRA Paper 14688, University Library of Munich, Germany.
    6. Alison Morantz, 2010. "Opting Out of Workers' Compensation in Texas: A Survey of Large, Multistate Nonsubscribers," NBER Chapters,in: Regulation vs. Litigation: Perspectives from Economics and Law, pages 197-238 National Bureau of Economic Research, Inc.
    7. Guardado, José R. & Ziebarth, Nicolas R., 2013. "A Model of Worker Investment in Safety and Its Effects on Accidents and Wages," IZA Discussion Papers 7428, Institute for the Study of Labor (IZA).

    More about this item

    JEL classification:

    • I1 - Health, Education, and Welfare - - Health
    • J3 - Labor and Demographic Economics - - Wages, Compensation, and Labor Costs

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