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Insurance Claims

Journal Article

Effects of Employer-Offered High-Deductible Plans on Low-Value Spending in the Privately Insured Population

This study uses insurance claims data and changes in plan offerings within firms over time to estimate treatment effects of high-deductible plans on spending on 24 low-value services received in the outpatient setting.

Feb 12, 2021
Journal Article

Impact of Consumer-Directed Health Plans on Low-Value Healthcare

Switching to a consumer-directed health plan is associated with reduced overall outpatient spending, but not with reduced spending on low-value healthcare services.

Feb 12, 2021
Journal Article

The Effect of Mandatory Insurer Reporting on Settlement Delay

This article examines this problem empirically, using a rich, national data set of closed automobile bodily injury claims.

Jan 22, 2021
Commentary

The Justice System and the COVID-19 Pandemic: Resources for Policymakers

From closed courts to increased risk for first responders, the COVID-19 pandemic has introduced new challenges for the justice system. RAND research provides insights that may be helpful as decisionmakers try and address some of these issues.

Apr 20, 2020
Commentary

Tapping Business Interruption Insurance Coverage to Assist Small Business During the Pandemic

Legislation has been introduced in several states that would require insurers to cover business interruption losses due to the COVID-19 outbreak. What are the advantages and disadvantages of such a law? If policymakers were to proceed with such an approach, then what design considerations should they keep in mind?

Apr 10, 2020
Report

Who Settles in Workers' Compensation?

The process of determining appropriate workers' compensation benefits can be costly and complicated. Changes in permanent disability benefits in Oregon provide a case study on the relationship between the expected value of the benefit and the probability of settlement.

Dec 23, 2019
Commentary

Allocating Costs for California Wildfires

Wildfires in California have caused and will likely continue to cause substantial losses for residents, businesses, and government agencies. It is important to distribute these losses in a manner that provides incentives to reduce their magnitude over time.

Jul 24, 2019
Report

The Role of Health Care Liens in Litigation and Recovery

This paper examines the different types of health care liens and trends in prevalence, as well as how liens have changed the landscape of claim resolution.

Nov 19, 2018
Research Brief

How Does Expanding Health Insurance Coverage Affect Workers' Compensation Costs?

The Affordable Care Act's expansion of coverage for people under age 26 led to a 1-percent reduction in uninsurance, equating to a 0.8-percent decrease in workers' compensation claim frequency, and a roughly 1-percent decrease in overall claim costs.

Nov 22, 2016
Report

Implementing a Drug Formulary for California's Workers' Compensation Program

This report supports the California Division of Workers' Compensation's efforts to establish a drug formulary by comparing existing workers' compensation formularies and analyzing options for designing and implementing the formulary.

Aug 25, 2016
Commentary

The High Cost of Hacks

The cyber insurance industry can play a critical role in informing corporations about effective security controls, monitoring the use of those controls, and therefore help reduce the probability and magnitude of breaches. But it may be squandering this opportunity.

Mar 9, 2015
Testimony

Targeting of SSDI Program Could Be Improved by Reducing the Variation in Initial Determinations

Though consistency in applying disability assessment criteria is intended, it is not easily achieved in practice. For many SSDI applicants, whether they are allowed or denied benefits depends upon the examiner to which their application is assigned.

Mar 20, 2012
News Release

RAND Corporation, Risk Management Solutions Launch New Company to Develop Liability Insurance Tools

The RAND Corporation, Risk Management Solutions, Inc. (RMS) and private investors have launched a company named Praedicat, Inc., that will provide consulting services and software to the property and casualty insurance industries.

Mar 14, 2012
Report

Collecting on Low-Value Claims Would Provide Medicare with Little Revenue and Substantial Reporting Costs

Effective January 1, 2012, Medicare will require insurers and self-insured companies to report settlements, awards, and judgments over $5K that involve a Medicare beneficiary. Over three years the $5K threshold will be phased out and all claims will have to be reported—but the potential revenue recovered from low-value claims may not be worth the reporting costs.

Jun 21, 2011
Report

Third-Party Litigation Funding and Claim Transfer: Trends and Implications for the Civil Justice System

In July 2009, the UCLA-RAND Center for Law and Public Policy convened a conference to assess the regulatory implications, effect on dispute resolution, and trends in the development of third-party litigation funding.

Mar 16, 2010
Research Brief

Reducing Michigan Auto Insurance Rates

Higher auto insurance rates in Michigan lead to a high proportion of drivers without auto insurance. Introducing options or fee schedules for personal injury protection coverage could help lead to broader, more-affordable choices.

Mar 4, 2010
Content

Denis Agniel

Statistician
Education Ph.D. in biostatistics, Harvard University; A.M. in biostatistics, Harvard University; M.S. in statistics, University of Illinois, Urbana-Champaign; B.S. in statistics, Loyola University Chicago; B.A. in philosophy, Loyola University Chicago
Content

Lloyd Dixon

Director, RAND Center for Catastrophic Risk Management and Compensation; Senior Economist
Education Ph.D. in economics, University of California, Berkeley; B.S. in general engineering, Stanford University; B.A. in political science, Stanford University
Content

Sara E. Heins

Associate Policy Researcher
Education Ph.D. in health policy and management, Johns Hopkins Bloomberg School of Public Health; B.A. in biology, Cornell University