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Claiming Behavior in Workers' Compensation

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  • Jeff Biddle
  • Karen Roberts

Abstract

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, or shoulders, this article provides evidence that a substantial number of potentially eligible workers do not file workers' compensation claims. Multivariate analysis identifies the effects of various factors on the probability of filing a workers' compensation claim, 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 affects the decision of an eligible worker to file. Finally, claims propensities vary considerably across workplaces, holding all other measured factors constant. Copyright The Journal of Risk and Insurance.

Suggested Citation

  • 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.
  • Handle: RePEc:bla:jrinsu:v:70:y:2003:i:4:p:759-780
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    References listed on IDEAS

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    1. Bollinger, Christopher R, 1998. "Measurement Error in the Current Population Survey: A Nonparametric Look," Journal of Labor Economics, University of Chicago Press, vol. 16(3), pages 576-594, July.
    2. 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.
    3. Krueger, Alan B., 1990. "Incentive effects of workers' compensation insurance," Journal of Public Economics, Elsevier, vol. 41(1), pages 73-99, February.
    4. Duncan, Greg J & Hill, Daniel H, 1985. "An Investigation of the Extent and Consequences of Measurement Error in Labor-Economic Survey Data," Journal of Labor Economics, University of Chicago Press, vol. 3(4), pages 508-532, October.
    5. 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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    Cited by:

    1. McInerney, Melissa, 2010. "Privatizing public services and strategic behavior: The impact of incentives to reduce workers' compensation claim duration," Journal of Public Economics, Elsevier, vol. 94(9-10), pages 777-789, October.
    2. 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.
    3. 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.
    4. 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.
    5. Dana A. Kerr & Yu-Luen Ma & Joan T. Schmit, 2009. "A Cross-National Study of Government Social Insurance as an Alternative to Tort Liability Compensation," Journal of Risk & Insurance, The American Risk and Insurance Association, vol. 76(2), pages 367-384.
    6. Hansen, Benjamin & Nguyen, Tuan & Waddell, Glen R., 2017. "Benefit Generosity and Injury Duration: Quasi-Experimental Evidence from Regression Kinks," IZA Discussion Papers 10621, Institute for the Study of Labor (IZA).

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