工人赔偿中经验费率的财务激励：来自加拿大安大略省计划变更的新证据。
Financial incentives of experience rating in workers' compensation: new evidence from a program change in Ontario, Canada.
机构信息
Institute for Work and Health, Toronto, Ontario, Canada.
出版信息
J Occup Environ Med. 2013 Mar;55(3):292-304. doi: 10.1097/JOM.0b013e31827827fa.
OBJECTIVE
To investigate the incentive for primary and secondary prevention associated with experience rating in a retrospective workers' compensation program.
METHODS
Panel data on 21,558 firms from 1998 to 2007 were used to estimate the relationship between the degree of experience rating and seven measures of workplace occupational health and safety outcomes. We focused on the impact of a policy change in 2004 in which the degree of experience rating was substantially increased for all firms.
RESULTS
The 2004 increase in experience rating was associated with a reduction in the total, lost-time, no-lost-time, benefit days, permanent impairment, musculoskeletal disorder, and acute trauma claim rates. These observed changes follow secular trends.
CONCLUSION
The association of experience rating with some claim outcomes and not others in some time periods suggests that firms may focus on claims and cost management practices.
目的
在回顾性工人补偿计划中，调查与经验评级相关的初级和次级预防的激励措施。
方法
利用 1998 年至 2007 年 21558 家企业的面板数据，估算经验评级程度与七种工作场所职业健康和安全结果指标之间的关系。我们重点关注了 2004 年政策变化的影响，该政策变化导致所有企业的经验评级程度大幅提高。
结果
2004 年经验评级的提高与总索赔率、损失工时索赔率、无损失工时索赔率、福利天数索赔率、永久性损伤索赔率、肌肉骨骼疾病索赔率和急性创伤索赔率的降低有关。这些观察到的变化符合长期趋势。
结论
经验评级与某些时间段的某些索赔结果相关，而与其他结果不相关，这表明企业可能会关注索赔和成本管理实践。
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