Abstract
Workers’ compensation programs provide cash benefits, medical care, and rehabilitation services to workers who are temporarily or permanently disabled by work-related injuries or diseases.In workers’ compensation, a worker is disabled if he or she experiences an actual loss of earnings or a loss of earning capacity as a result of a work-related injury or disease.In 2007, the national total of $55.4 billion of workers’ compensation benefits included $28.3 billion of cash benefits and $27.2 billion of medical benefits, while the costs to employers were $85.0 billion. (Sengupta, Reno, & Burton, 2009, Table 1).The $29.6 billion difference between the $85.0 billion in workers’ compensation costs for employers and the $55.4 billion of benefits paid to workers includes (1) for self-insuring employers, the administrative costs of providing the benefits, and (2) for employers who purchase insurance, the difference between premiums paid to the insurance carrier and the benefits paid to the employees these employers. These costs of the workers’ compensation delivery systems are examined in Sengupta et al., 2009, p. 30).Only Social Security Disability Insurance (SSDI) and Medicare provide more support to disabled workers.
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Notes
- 1.
In workers’ compensation, a worker is disabled if he or she experiences an actual loss of earnings or a loss of earning capacity as a result of a work-related injury or disease.
- 2.
The $29.6 billion difference between the $85.0 billion in workers’ compensation costs for employers and the $55.4 billion of benefits paid to workers includes (1) for self-insuring employers, the administrative costs of providing the benefits, and (2) for employers who purchase insurance, the difference between premiums paid to the insurance carrier and the benefits paid to the employees these employers. These costs of the workers’ compensation delivery systems are examined in Sengupta et al., 2009, p. 30.
- 3.
The Bureau of Labor Statistics data are based on the Current Population Survey (CPS), which uses a set of six questions to identify persons with disabilities. A person is classified as disabled if the person responses “yes” to any of the questions. The questions ask if a person is deaf or has serious hearing difficulties; is blind or had serious difficulty seeing even with glasses; has serious difficulty concentrating, remembering, or making decisions; has serious difficulty walking or climbing stairs; has difficulty dressing or bathing; or has difficulty doing errands alone.
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Burton, J.F. (2011). The Relationship Between Disability Discrimination and Age Discrimination in Workers’ Compensation. In: Wiener, R., Willborn, S. (eds) Disability and Aging Discrimination. Springer, New York, NY. https://doi.org/10.1007/978-1-4419-6293-5_6
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