工伤赔偿保险

Profitable underwriting results have generated favorable conditions across the workers’ compensation insurance market for nearly a decade. According to the National Council on Compensation Insurance (NCCI), 该部分产生的总比率为84.5和84.9 in 2022 and 2023, respectively, demonstrating continued profitability. Industry experts initially reported that reserve redundancies stemming from reduced presumptive liability issues since the beginning of the COVID-19 pandemic and increased market competition could drive down profits in 2024; however, these experts also confirmed that it would take a drastic shift in segment losses to actually push the ratio over 100, 从而限制了对投保人的潜在影响. 2024年第一季度, 大多数投保人的保费都略有下降, with industry data revealing that average rate drops ranged between 0.4%和1.6%. 在今年余下的时间里, the majority of policyholders can expect another year of flat premiums or modest rate reductions, while those with elevated risks may encounter increased pricing.

发展和趋势值得关注

• 〇事故发生频率Historical data from the NCCI shows that accident frequency rates have fallen over the last few decades, paving the way for reduced workers’ compensation expenses and rate drops. Yet, recent years have seen a reversal in this trend; the U.S. Bureau of Labor Statistics reported that nonfatal workplace injuries have increased by 4.自2021年以来，死亡事故增加了5%，而致命事故增加了5%.7%. It’s possible that these findings are the result of ongoing staff shortages, which have forced many employers to hire less experienced workers or place additional labor demands (e.g., 对终身雇员施加额外的轮班和更长的工作时间, both of which can increase the risk of workplace incidents and injuries. 如果事故发生率持续上升, 这可能会导致更多的工人索赔, 推高相关成本和保费.

• 通货膨胀的问题,The workers’ compensation segment has been affected by two types of inflation over the last few years: medical inflation and wage inflation. Medical inflation refers to increasing costs for medical resources. A recent survey conducted by the NCCI found that workers’ compensation insurers ranked rising medical inflation as one of the top concerns currently facing the segment. Although most states have fee schedules in place to help control various medical cost categories, industry experts reported that shifts in the type and volume of medical services provided and the growing severity of injuries and illnesses being treated have continued to impact medical inflation, 导致工人的赔偿成本增加. 另外, many businesses have increased their workers’ pay to minimize labor shortages and boost attraction and retention efforts, 导致工资上涨. Because payroll is leveraged as an exposure base to calculate workers’ compensation premiums, 工资上涨可能会促使利率上升.

• 心理健康推定-Many states have or are in the process of enacting legislation that would expand workers’ compensation coverage to include job-related mental health conditions. 换句话说, workers may be able to receive benefits for mental health concerns occurring in the scope of 就业 and stemming directly from their job responsibilities. Coverage for post-traumatic stress disorder (PTSD) among emergency dispatchers and first responders has been the main focus of this evolving legislation. 到目前为止，2024年, five additional states have introduced or are considering workers’ compensation laws that include PTSD-related presumptions for these types of employees. Such presumptions generally indicate that certain conditions are more likely to affect workers facing heightened physical and emotional demands on the job and out- line detailed standards for proving that these conditions were clearly caused by 就业. 因此, these laws could widen employers’ workers’ compensation liabilities and fuel an increase in claims and associated costs going forward.

给购买保险人士的建议

• 执行工作场所政策，解决主要安全风险. 对所有工人进行日常安全培训.
• Include mental health resources in workplace well-being offerings. Consult legal counsel to ensure compliance with applicable workers’ compensation legislation regarding coverage for mental health conditions.
• Have clear processes established for handling workers’ compensation claims as efficiently as possible.

This document is not intended to be exhaustive nor should any discussion or opinions be construed as legal advice. Readers should contact legal counsel or an insurance professional for appropriate advice. ©2024 Zywave, Inc. 版权所有.