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Steady increases in the cost of medical care, coupled with a rise in the fraction of workers who lack medical insurance, create incentives for workers who are injured off-the-job to file Workers' Compensation claims. Many analysts have interpreted the high rate of Monday injuries - especially hard-to-monitor injuries like back strains - as evidence of such claims. The analysis in this paper, however, which uses data on 'first reports' of injuries filed with the Minnesota Department of Labor and Industry between 1985 and 1989, indicates that workers with low probabilities of medical coverage are no more likely to report a Monday injury than are other workers. Moreover, employers are no more likely to challenge the Monday injury claims of workers with low medical coverage rates than the claims filed by workers with high coverage rates., Any targeted social program is vulnerable to abuse or even outright fraud in the determination of benefit eligibility. It is widely believed, for example, that a sizable fraction of Disability [...]

Risk/Return Relationships for Life-Health, Property-Liability, and Diversified Insurers Abstract This study focuses on a risk-return comparisson for life-health, property-liability, and diversified insurers. Included is an analysis of risk-return relationships using [...]

Melville-based Vytra Health Plans launched the Healthwise Knowledgebase, an online health information guide, at its Web site, www.vytra.com. The guide provides Vytra members with the latest information about health conditions [...]

Opponents of community rating insurance systems have often argued that, when insurers are forced to accept everyone and to charge one price for all subscribers (the community rate), those who [...]

I. INTRODUCTION Over the last few decades, the U.S. health care system has been the beneficiary of tremendous growth in the power and sheer quantity of useful medical technology.(1) As [...]