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HOW DOES HEALTH INSURANCE AFFECT WORKERS’ COMPENSATION FILING?

Authors

  • DARIUS N LAKDAWALLA,

    1. Lakdawalla: Economist, RAND, and Faculty Research Fellow, National Bureau of Economic Research, 1776 Main Street, Santa Monica, CA 90407. Phone 1-310-393-0411, Fax 1-310-260-8155, E-mail darius_lakdawalla@rand.org
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      We are grateful to Les Boden, Karen Roberts, two anonymous referees, and participants in the 2003 NOIRS meeting in Pittsburgh, Pennsylvania, for their helpful comments and suggestions. We are also grateful to the National Institute for Occupational Safety and Health (NIOSH) for research support (Grant 1R03OH07619). The opinions expressed are those of the authors and do not represent those of NIOSH or any institution the authors are affiliated with.

  • ROBERT T REVILLE,

    1. Reville: Director, RAND Institute for Civil Justice, 1776 Main Street, Santa Monica, CA 90407. Phone 1-310-393-0411, Fax 1-310-451-6979, E-mail robert_reville@rand.org
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    • *

      We are grateful to Les Boden, Karen Roberts, two anonymous referees, and participants in the 2003 NOIRS meeting in Pittsburgh, Pennsylvania, for their helpful comments and suggestions. We are also grateful to the National Institute for Occupational Safety and Health (NIOSH) for research support (Grant 1R03OH07619). The opinions expressed are those of the authors and do not represent those of NIOSH or any institution the authors are affiliated with.

  • SETH A SEABURY

    1. Seabury: Economist, RAND, 1776 Main Street, Santa Monica, CA 90407. Phone 1-310-393-0411, Fax 1-310-451-6979, E-mail seth_seabury@rand.org
    Search for more papers by this author
    • *

      We are grateful to Les Boden, Karen Roberts, two anonymous referees, and participants in the 2003 NOIRS meeting in Pittsburgh, Pennsylvania, for their helpful comments and suggestions. We are also grateful to the National Institute for Occupational Safety and Health (NIOSH) for research support (Grant 1R03OH07619). The opinions expressed are those of the authors and do not represent those of NIOSH or any institution the authors are affiliated with.


Abstract

About half of injured workers choose not to file workers’ compensation claims. This is thought to result from their use of health insurance instead of workers’ compensation. However, the data suggest that insured workers are actually less likely to file than their more vulnerable uninsured counterparts. We found that this relationship emerges as the result of employer characteristics and, in particular, that employers who offer health insurance to employees are more likely to have workers who file claims; this is much more important than the insurance status of workers themselves or fixed worker characteristics. (JEL I1, J3)

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