Insurance

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Research conducted by: RAND Justice, Infrastructure, and Environment; RAND Health; Center for Terrorism Risk Management Policy; Center for Health and Safety in the Workplace

Projects (13)

Examining the Safety Impacts of Experience Rating in Workers' Compensation — Apr 16, 2012

The original purpose of experience modification rating in workers' compensation was to address insurer underwriting concerns; researchers are now exploring whether the rating also operates as an effective safety incentive for businesses.

Evaluating Disability Ratings and Workers' Compensation Medical Treatment in California — Apr 5, 2012

Evaluating California's disability ratings and worker outcomes can help to assess the accuracy and consistency of these ratings, identify potential practices and policies that would improve both the quality and the efficiency of the medical care provided under the California workers' compensation system, and increase the efficiency of the medical benefit administration.

Can Employer Accommodation Reduce Disability-Related Retirement? — Mar 14, 2012

Employment trajectories following the onset of disability are poorly understood. Employer-focused policy interventions may reduce uptake in public disability insurance and disability-induced early retirement.

Will Health Care Reform Impact Applications for Disability Benefits? — Mar 12, 2012

As the Affordable Care Act expands health insurance coverage in the U.S., the "cost" of applying for SSDI will decline for many. Studying the effect of Massachusetts health care reform in 2006 may provide insights into the impact the ACA may have on SSDI applications and awards.

Does Disability Insurance Save Lives? — Feb 1, 2012

Previous research has shown that changes in income and health insurance are associated with changes in health and/or mortality. An examination of administrative data may show whether receipt of Social Security Disability Insurance and participation in related programs causally affect survival rates among applicants.

Assessing Quality of Care for Carpal Tunnel Syndrome — Dec 2, 2011

By measuring the quality of care for carpal tunnel syndrome (CTS) in a large workers' compensation provider organization in California and assessing value to workers and employers, RAND laid the groundwork for ongoing quality assessment and improvement programs in workers' compensation settings within California and elsewhere.

Making the Civil Justice System More Efficient and Equitable — Oct 3, 2011

The RAND Institute for Civil Justice (ICJ) conducts research on all aspects of civil justice, from trends in litigation and jury verdicts to punitive damages, compensation systems, and alternative dispute resolution. Directly or indirectly, civil justice issues have an impact on us all.

Would Changing SSDI Program Rules Induce Entry? — Sep 16, 2011

Changing the Social Security Disability Insurance program rules could reduce caseload costs by encouraging a return to work, but it could also create unintended consequences by inducing more workers to apply for benefits.

What Effect Does SSDI Application Waiting Time Have on Labor Force Participation? — Aug 10, 2011

The application and appeals process for Social Security Dissability Insurance (SSDI) can take months if not years, during which time applicants are not allowed to work more than a limited amount. Understanding the true application costs of SSDI can help quantify the total wefare impact of the program.

RAND COMPARE Releases Revised Website — Jul 20, 2011

Policymakers are facing new challenges as they implement the Patient Protection and Affordable Care Act (ACA). RAND COMPARE is a modeling tool that simulates the impact of implementation decisions on insurance coverage, premiums, and health care spending.

Helping Local Communities Assess Health — Jun 2, 2009

RAND Health can assess the health care systems and capacities of counties and population centers. As communities become increasingly diverse and the economic climate shifts, policymakers need dependable data and analysis to help understand and plan for the health of residents.

Exploring Injury and Disability Among California Public Safety Employees — Nov 19, 2008

Public safety officers have much higher incidence and cost of injuries that result in disability retirement than other public employees. RAND research helped the Commission on Health and Safety Workers' Compensation and the California legislature in their efforts to provide adequate workers' compensation and disability benefits.

Do Insurance Discounts Help Firms Encourage Workplace Safety? — Oct 21, 2008

Some workers' compensation insurers offer discounts to firms that have safety plans. While an evaluation of the voluntary Pennsylvania Certified Safety Committee (CSC) program found that compliance did reduce injuries, most participants did not comply with CSC requirements.

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Researcher Spotlight

Lisa Bernard

Research Editor

Lisa Bernard is a research editor at RAND. She was a freelance writer, editor, and designer before coming to RAND in 2005 and had contracts for such clients as the Office of the U.S. Trade Representative, McGraw-Hill, and Capital One. She now serves as an editor for RAND Justice, Infrastructure,…

Hao Yu

Policy Researcher

Hao Yu

Hao Yu is a policy researcher at the RAND Corporation and a professor at the Pardee RAND Graduate School. He has particular interest and experience in studying the Children's Health Insurance Program (CHIP) in the United States and health care reforms in China. Yu received his B.A. in medicine…

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