1. The Impact of a State-Based Workers' Compensation Insurer's Risk Control Services on Employer Claim Frequency and Cost Rates.
- Author
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Wurzelbacher, Steven J., Bertke, Stephen J., Lampl, Michael P., Bushnell, P. Timothy, Robins, David C., Naber, Steven J., and Moore, Libby L.
- Subjects
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INSURANCE companies , *MEDICAL care costs , *REGRESSION analysis , *GOVERNMENT programs , *ERGONOMICS , *HEALTH insurance reimbursement , *MEDICAL referrals , *EMPLOYMENT , *DATA analysis , *PATIENT safety , *PERSONNEL records ,WORKERS' compensation statistics - Abstract
This study demonstrated that insurer onsite risk control (RC) consultation services can control or reduce workers' compensation lost-time claim frequency and costs for serviced employers. Insurers and occupational clinicians can further collaborate to improve workplace conditions through injury prevention, accommodation and post-injury stay-at-work or return-to-work programs. Objective: This study evaluated the impact of a state workers' compensation (WC) insurer's onsite risk control (RC) services on insured employers' WC claim frequency and cost. Methods: We used two methods to model 2004 to 2017 claims data from 4606 employers that received RC visits over time and compare this claims experience to matching employers that did not receive RC services. Results: Relative total WC claim rates increased slightly after RC services, while relative lost-time claims rates either remained similar or decreased and WC cost rates decreased. The impact of RC services on reducing WC costs was cumulative up to the fourth visit but diminished thereafter. Conclusions: The insurer RC consultation program was effective in reducing WC cost rates for serviced employers. This is consistent with other research conducted on insurer RC services and related regulatory visits. [ABSTRACT FROM AUTHOR]
- Published
- 2022
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