Permanent Disability at Private, Self-Insured Firms: A Study of Earnings Loss, Replacement, and Return to Work for Workers' Compensation Claimants

By Robert T. Reville; Suzanne Polich et al. | Go to book overview

CONTENTS
Prefacevii
Figuresxi
Tablesxiii
Summaryxv
Acknowledgmentsxxvii
Introduction1
1. Self-Insurance in California and Implications for Return to Work and Replacement of Lost Earnings5
2. Measuring Earnings Losses and Replacement Rates13
3. Data19
Self-Insured Data19
Insured Data21
Wage Data22
Linking Claims and Wage Data and Selecting Controls22
4. Results on Earnings Losses and Replacement Rates25
Self-Insured Employers: Baseline Results25
The Impact of Sampling and Response Bias on Estimates33
Comparing Estimates of Earnings Losses and Replacement Rates at Insured and Self-Insured Employers35
5. Comparing Results on Return to Work at Insured and Self-Insured Firms41
6. Results on Earnings Losses and Replacement Rates by Severity of Injury49
7. Explaining the Differences: The Impact of Firm Size and Pre-Injury Earnings on Wage Loss and Replacement Rates55
8. Summary and Implications for Adequacy of Compensation65
Appendices
A. Technical Appendix69
B. Responses trom Workers' Compensation Stakeholders on Report Findings83
References97

-ix-

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