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Report on Wage Loss Issues Approved by Commission
By John Millrany - April 24, 2001

adjustercom.com, in its ongoing commitment to deliver timely news and expositional features, is pleased to solicit reaction from our readers with a particular interest in what’s going on in the realm of Workers’ Compensation as regards private/self-insured firms.

The latest news? On April 19 in San Francisco, the California Commission on Health and Safety and Workers’ Compensation (CHSWC) approved the newest report on the commission’s long-term study of permanent disability. This incarnation completes that portion of the study that estimated wage losses of workers’ and permanent disability claims.

Permanent Disability at Private, Self-Insured Firms was developed by the RAND Institute for Civil Justice under a CHSWC commission. It describes the commission’s study of wage loss, replacement and return to work for WC claimants of private-sector, self-insured employers in California. "Wage loss" is the difference between what an injured worker actually earned for several years following the injury and what the worker would have earned had the injury not occurred.

According to the Rand report, workers who file claims for permanent partial disabilities in job-related accidents at the largest California firms recover less than half of their injury-related wage losses during the first five years after the injury. Researchers found that claimants at these firms had average total wage losses of $39,500, but received only $19,000 in WC benefits.

The study focused on 68 self-insured firms, all large employers that have demonstrated to the state that they can bear the full costs of their WC claims.

Self-insured firms account for 21% of claims at private employers in California, RAND said.

Here are the major findings in the study:

  • Permanent partial disability (PPD) claimants at private, self-insured employers from 1991-95 experienced significant earnings losses over the first five years after injury.
  • After injury, PPD claimants at self-insured firms were more likely to continue to work, less likely to drop out of the labor force or retire--and if they remained employed were more likely to work at the at-injury employer than their counterparts at insured firms.
  • Due to improved return to work, injured workers at self-insured firms experienced a lower proportion of earnings lost than did injured workers at insured firms.
  • On average, because workers at self-insured firms have higher wages, they are more likely to have weekly wages that exceed the maximum temporary disability indemnity payment. Consequently, WC benefits replaced a smaller fraction of losses of self-insured firms (48%) than at insured firms (53%).
  • At both insured and self-insured firms, replacement rates were very low for workers with the indemnity claims (those with the least serious injuries). At the self-insured firms, claimants with total indemnity falling below the 20th percentile and had 14% of their lost earnings replaced by benefits; at insured firms, the replacement rate was 11%.

CHSWC is charged with overseeing the health and safety and WC systems in the state, as well as recommending administrative or legislative modifications to improve system operations, reports commission spokesperson Christine Baker. "The commission was established to conduct a continuing examination of the workers’ compensation system and of the state’s activities to prevent industrial injuries and occupational disease and to examine those programs in other states."

(Readers are invited to post comments on the above at adjustercom.com’s Forum page.)

 
 

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