G2TT
来源类型Research Reports
规范类型报告
DOIhttps://doi.org/10.7249/RR1299
ISBN9780833096319
来源IDRR-1299-CHSWC
Benefits and Earnings Losses for Permanently Disabled Workers in California: Trends Through the Great Recession and Effects of Recent Reforms
Michael Dworsky; Seth A. Seabury; Frank W. Neuhauser; Ujwal Kharel; Roald Euller
发表日期2016
出版年2016
页码210
语种英语
结论

SB 863's Benefit Increases Have Done Much to Restore Compensation for Disabled Workers in California

  • Permanently disabled workers injured after the beginning of the Great Recession experienced much more severe earnings losses than workers injured before, suggesting that the economic downturn disproportionately affected injured workers relative to uninjured workers.
  • For the average worker who was injured between 2005 and 2012, the benefit increases enacted under SB 863 would have significantly increased replacement rates of lost income compared to what they were under a prior statute: The portion of after-tax earnings losses replaced by benefits would have risen by 21.4 percentage points, from 58.8 percent to 80.2 percent.
  • While SB 863 will lead to higher benefits, much of this benefit increase is offset by the increases in earnings losses that followed the Great Recession.
  • Both changes in ratings and increases in the maximum weekly wage led to substantial increases in benefit adequacy. The return-to-work benefit, a new benefit aimed at workers with severe earnings losses, had a more modest effect on average. However, the return-to-work benefit had the largest effect on wage replacement rates for the lowest-wage workers. Since other provisions of SB 863 led to larger benefit increases for middle-income and high-income workers, the return-to-work benefit has an important role to play in preserving the progressivity of PPD benefits.
  • Alternative methods for rating disabilities that were explicitly authorized by SB 863 led to substantially higher impairment ratings. The implications of alternative ratings for benefits and system costs remain unclear, however, as it is unknown how often these ratings are upheld in court.
摘要
  • Future study should explore benefit design options that do more to smooth out the kind of fluctuations in wage replacement across the business cycle that we identified in this report.
  • Policymakers considering how benefit design could be made more responsive to the business cycle should, however, think carefully about the financing of any such benefits, as policies that that would necessitate premium increases while the labor market is slack could lead to adverse effects on hiring.
  • Future research should consider whether the differences in the relationship between earnings losses and ratings across body parts could be alleviated. It should also seek to establish a consistent, objective, and empirically-based system for incorporating age and occupational adjustments into the rating schedule.
  • California may wish to monitor the use of alternative ratings and their impact on benefits paid. In addition, it would be important and relatively straightforward to evaluate, on claims for which both American Medical Association and alternative ratings are performed, which of the two types of ratings more accurately predicted future wage loss.
主题California ; Disability Insurance ; Disabled Persons ; Wages and Compensation ; Workers' Compensation ; Workforce Management
URLhttps://www.rand.org/pubs/research_reports/RR1299.html
来源智库RAND Corporation (United States)
引用统计
资源类型智库出版物
条目标识符http://119.78.100.153/handle/2XGU8XDN/108212
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Michael Dworsky,Seth A. Seabury,Frank W. Neuhauser,et al. Benefits and Earnings Losses for Permanently Disabled Workers in California: Trends Through the Great Recession and Effects of Recent Reforms. 2016.
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