EFFICIENCY EFFECTS OF PREMIUM-SETTING REGIMES UNDER WORKERS COMPENSATION - CANADA AND THE UNITED-STATES

• 成果类型: Article; Proceedings Paper
• 署名作者: BRUCE, CJ; ATKINS, FJ
• 刊物名称: JOURNAL OF LABOR ECONOMICS
• ISSN/ISSBN: 0734-306X
• DOI: 10.1086/298328
• 发表日期: 1993
• 页码: S38-S69
• 关键词: imperfect information; utility-functions; injury claims; public-policy; insurance; BENEFIT; safety

摘要

We develop a model in which it is predicted that more resources will be devoted to safety in a workers' compensation system with experience-rated premiums than in one with flat-rated premiums. We test this model by observing the effect on fatality rates of the move from flat rating to experience rating in the forestry and construction industries of Ontario, Canada. The evidence provides strong confirmation of the theory.