福利慷慨度对工伤保险索赔的影响：证据与启示
The Impact of Benefit Generosity on Workers’ Compensation Claims: Evidence and Implications
American Economic Journal: Applied Economics · 2024 · [{"name": "Marika Cabral", "affiliation": ["The University of Texas at Austin"]}, {"name": "Marcus Dillender", "affiliation": ["Vanderbilt University"]}]
中文摘要
利用独特的行政数据和福利慷慨度的急剧提高，我们采用双重差分研究设计，估计了工伤赔偿工资替代福利对个人行为和项目成本的影响。我们发现，福利慷慨度的提高会导致收入福利领取期限延长、医疗支出增加。这两个边际上的反应是推动项目成本上升的同等重要因素，共同使项目成本增加到机械性成本增加的1.4倍。结合这些估计结果以及对受伤工人消费下降幅度的估计，我们的福利校准分析表明，边际提高福利慷慨度并不会改善福利。(JEL D91, I11, J28, J31)
Abstract
Leveraging unique administrative data and a sharp increase in benefit generosity in a difference-in-differences research design, we estimate the impact of workers’ compensation wage replacement benefits on individual behavior and program costs. We find that increased benefit generosity leads to longer income benefit durations and increased medical spending. Responses along these two margins are equally important drivers of increased program costs, collectively increasing program costs 1.4 times the mechanical increase in costs. Using these estimates and an estimate of the consumption drop among injured workers, our welfare calibrations suggest that a marginal increase in benefit generosity would not improve welfare. (JEL D91, I11, J28, J31)