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Politics : View from the Center and Left

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To: cnyndwllr who wrote (51166)3/1/2008 1:36:59 PM
From: neolib  Read Replies (1) of 542591
 
There are some very significant structural problems in workplace insurance. For example, there is no ability to track an individuals abuse of work comp. So a person can hop from one job to the next, claim back injury, collect work comp (and hurt the company's rating if the co. is small), and repeat the stunt.

A companies risk rating is a feedback loop, meant to encourage safety awareness on the part of management. But there needs to be similar feedback loops in place to make sure that individuals don't abuse the system either.

IMO, I'd rather see all insurance track the individual and be independent of the company. The equivalent of going no-fault at least from the injured/insurance angle. However, there still needs to be a lever to affect management. I'd let that be a monthly premium also rating based, which goes into a global pool for funding safety inspections/compliance, education, etc. But decouple it from the injury/insurance payments.
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