Assesses the value of 24-hour care--an insurance plan that consolidates employers' health care benefits for work-related and non-work-related claims--as a mechanism for reducing workers' compensation costs. 450-character abstract: Proponents of a type of insurance program called 24-hour care--which would consolidate employers' health care benefits, and possibly disability benefits, for both work-related and non-work-related claims--believe that it could yield substantial workers' compensation savings for California. In this monograph, the authors present their assessment of the value of 24-hour care as a mechanism for reducing workers' compensation costs and discuss possible options for 24-hour-care model programs.