工伤赔偿.pdf

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1、Workers Compensation Large LossesPresented by:Sandra Kipust,FCASSr.Practice Leader&ActuaryNCCIThe Source You Trust Copyright 2023 National Council on Compensation Insurance,Inc.All Rights Reserved.LARGE CLAIMS DECONSTRUCTED Copyright 2023 NCCI Holdings,Inc.All Rights Reserved.Share of ClaimsA large

2、claim is defined as exceeding$1M in incurred lossShare of LossesLarge ClaimsLost-Time Claims4 Copyright 2023 NCCI Holdings,Inc.All Rights Reserved.Development types for Large ClaimsFASTELCSLOWELCExceed$1M within 2 years of injuryExceed$1M 2 years or more after injury5 Copyright 2023 NCCI Holdings,In

3、c.All Rights Reserved.43503328060Frequency of Large Claims per 10K Lost-Time ClaimsRecoveryRecessionPre-Great Recession2002200820122021Accident Year6 Copyright 2023 NCCI Holdings,Inc.All Rights Reserved.36891215016Deconstructing Frequency of FASTELC per 10K Lost-Time ClaimsBurns,Spinal Cord Injuries

4、,and Traumatic Brain Injuries(B,SCI,TBI)and Other20122021Accident Year7 Copyright 2023 NCCI Holdings,Inc.All Rights Reserved.Deconstructing Frequency of SLOWELC per 10K Lost-Time ClaimsDegenerative Disc Disorders,Pain and Other20122021Accident Year62151121140258 Copyright 2023 NCCI Holdings,Inc.All

5、Rights Reserved.Top Causes and Injuries for workers with large claims SLOWELCFASTELCCaused by Fall or Slip from Elevation and Motor Vehicle AccidentsCaused by Strain or Injury by LiftingResulting in FracturesPrimarily injuring Multiple Body PartsResulting in StrainsPrimarily injuring Lower Back9 Cop

6、yright 2023 NCCI Holdings,Inc.All Rights Reserved.Occupations of injured workers with large claims Installation of Machines and EquipmentConstruction-RelatedOperation of Motor Vehicles 2531%of FASTELC are construction-related2024%of SLOWELC are construction-related8-11%4-5%8-10%4-6%10 Copyright 2023