Skip directly to search Skip directly to A to Z list Skip directly to page options Skip directly to site content

NIOSHTIC-2 Publications Search

Search Results

Effects of premium discount on workers' compensation claims in agriculture in Finland.

Authors
Rautiainen-RH; Ledolter-J; Sprince-NL; Donham-KJ; Burmeister-LF; Ohsfeldt-R; Reynolds-SJ; Phillips-K; Zwerling-C
Source
Am J Ind Med 2005 Aug; 48(2):100-109
NIOSHTIC No.
20028899
Abstract
The objective of this study was to measure changes in injury claim rates after a premium discount program was implemented in the Finnish farmers' workers' compensation insurance. We focused on measures that could indicate whether the changes occurred in the true underlying injury rate, or only in claims reporting. Monthly injury claim rates were constructed at seven disability duration levels from January 1990 to December 2003. We conducted interrupted time series analyses to measure changes in the injury claim rates after the premium discount was implemented on July 1, 1997. Three additional policy change indicators were included in the analyses. The overall injury claim rate decreased 10.2%. Decreases occurred at four severity levels (measured by compensated disability days): 0 days (16.3%), 1-6 days (14.1%), 7-13 days (19.5%), and 14-29 days (8.4%). No changes were observed at higher severity levels. Minor injuries had a seasonal pattern with higher rates in summer months while severe injuries did not have a seasonal pattern. The premium discount decreased the overall claim rate. Decreases were observed in all categories up to 29 disability days. This pattern suggests that under-reporting contributes to the decrease but may not be the only factor. The value of the premium discount is lower than the value of a lost-time claim, so there was no financial reason to under-report lost-time injuries. Under-reporting would be expected to be greatest in the 0 day category, but that was not the case. These observations suggest that in addition to under-reporting, the premium discount may also have some preventive effect.
Keywords
Agriculture; Agricultural-industry; Agricultural-workers; Injuries; Farmers; Occupational-accidents; Injury-prevention; Disabled-workers; Workers; Worker-health; Occupational-health; Accidents
Contact
Risto H. Rautiainen, Assistant Professor, Deputy Director, Great Plains Center for Agricultural Health, The University of Iowa, 103 IREH, Oakdale Campus, Iowa City, IA 52242-5000
CODEN
AJIMD8
Publication Date
20050801
Document Type
Journal Article
Email Address
risto-rautiainen@uiowa.edu
Funding Amount
73500
Funding Type
Grant
Fiscal Year
2005
NTIS Accession No.
NTIS Price
Identifying No.
Grant-Number-R03-OH-003929; Grant-Number-T42-OH-008491
Issue of Publication
2
ISSN
0271-3586
Source Name
American Journal of Industrial Medicine
State
IA
Performing Organization
Department of Occupational and Environmental Health, The University of Iowa, Iowa City, Iowa
TOP