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Benefits, Costs, and Cycles in Workers' Compensation (Paperback, Softcover reprint of the original 1st ed. 1990)
Loot Price: R2,876
Discovery Miles 28 760
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Benefits, Costs, and Cycles in Workers' Compensation (Paperback, Softcover reprint of the original 1st ed. 1990)
Series: Huebner International Series on Risk, Insurance and Economic Security, 9
Expected to ship within 10 - 15 working days
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Workers' compensation insurance presents a set of institutional
charac teristics that are unique. For every other form of
insurance, both the insurer and the coverage provided under the
policy are completely controlled either by the federal or a state
government, or by an arrangement between the insured and a
property-casualty insurer. Unemployment insurance, Social Security,
and bank-deposit insurance are examples for which a legis lative
body sets the benefits. and a government agency prescribes the in
surance premium. By contrast, the coverage and premiums for
automobile, homeowners, and fire insurance are individual
contractual arrangements between a policyholder and one of the more
than 1800 U. S. property casualty insurance companies. Workers'
compensation insurance, however, is a hybrid in which state
legislatures stipulate the terms of coverage, while regulated
competition is the major determinant of prices. State legislatures
enact statutes that prescribe the replacement rate and duration of
indemnity benefits, as well as full reimbursement of medical
expenses. And although the manual rates for workers' compensation
insurance continue to be administered by a prior approval process
in most states, the competitive-market price for coverage is
achieved through a variety of price-modification plans (Appel and
Borba, 1988)."
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