Center for Disease Control and Prevention, National Institute for Occupational Safety and Health, Office of the Director, Washington, DC 20201, USA.
J Occup Environ Med. 2009 Dec;51(12):1466-73. doi: 10.1097/JOM.0b013e3181c16373.
There is moderate evidence that workers in experience-rated firms sustain less injuries when compared with workers in firms that are not experience rated. This study aims to provide more insight on this issue.
Panel data from the Bureau of Labor Statistics and National Academy of Social Insurance between 1999 and 2006 were used. A theoretical framework was developed, and a fixed effects vector decomposition model was estimated.
Self-insuring was positively associated with relatively low worker injury and illness incidence rates when compared with insuring (including experience rating and manually rating). After controlling for workforce characteristics, industrial composition, firm size, and state-specific laws, states with an above the median percentage of self-insured firms had incidence rates that were lower than rates in states with a below the median percentage of self-insured firms.
A higher degree of experience rating seems to better align the economic incentive to invest in prevention and the intended outcome of reducing worker injury and illness.
有中等强度的证据表明，与非经验费率企业相比，经验费率企业的工人受伤率较低。本研究旨在对此问题提供更深入的了解。
本研究使用了美国劳工统计局和国家社会保险公司在 1999 年至 2006 年期间的面板数据。我们制定了一个理论框架，并对固定效应向量分解模型进行了估计。
与投保（包括经验费率和手动费率）相比，自我保险与相对较低的工人伤害和疾病发生率呈正相关。在控制了劳动力特征、产业构成、企业规模和各州特定法律后，自我保险比例高于中位数的州的发生率低于自我保险比例低于中位数的州的发生率。
更高程度的经验费率似乎更能使预防投资的经济激励与减少工人伤害和疾病的预期结果保持一致。
