期刊全稱 | Benefits, Costs, and Cycles in Workers’ Compensation | 影響因子2023 | Philip S. Borba,David Appel | 視頻video | http://file.papertrans.cn/184/183428/183428.mp4 | 學(xué)科分類 | Huebner International Series on Risk, Insurance and Economic Security | 圖書封面 |  | 影響因子 | 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 appr | Pindex | Book 1990 |
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