2024年工伤保险市场展望

Profitable underwriting results have generated favorable conditions across the workers’ compensation insurance segment for nearly a decade. According to the National Council on Compensation Insurance (NCCI), the segment produced a combined ratio of 87 in 2022, 证明持续盈利能力. 这些情况在2023年继续出现, but industry experts reported that reserve redundancies stemming from reduced presumptive liability issues since the beginning of the COVID-19 pandemic and increased market competition could drive down profits in 2024. 幸运的是, these experts also confirmed that it would take a drastic shift in segment losses to actually push the ratio over 100, 从而限制了对投保人的潜在影响. 结果是, most insureds can expect another year of flat premiums or modest rate reductions, while those with elevated risks may encounter increased pricing.

发展和趋势值得关注

经验修正因素变化—An experience modification factor is determined using a formula set by the NCCI or state-specific rating bureaus, 取决于雇主的管辖权. 基于这个公式, either a credit or debit is applied to the employer’s workers’ compensation premium. 考虑到这个数字的影响, it’s important for businesses to note that the NCCI—which governs the workers’ compensation system in 36 states—is making alterations to specific elements of its experience modification factor formula for 2024. The formula itself will remain unaltered; however, there will be adjustments in how certain components of the formula are derived to more accurately account for cost variations among states. 

人工智能解决方案—AI technology has the potential to change many aspects of the workplace, especially as it pertains to preventing and managing occupational injuries and related workers’ compensation claims. Such technology can provide fast diagnoses when workers get injured on the job and generate customized treatment plans. 进一步, AI tools can be paired with wearable devices to monitor injured employees and adjust treatment plans as needed based on workers’ recovery progress. 更重要的是, AI solutions can promote cost-effective claims management by leveraging predictive analytics to determine causes of workplace incidents, 建议预防未来事故的方法, 推荐表现最好的医疗保健提供者, and identify possible treatment anomalies and cost drivers. 

员工心理健康挑战-根据国家安全委员会, instances of mental health distress have been linked to a greater risk of workplace incidents, injuries and associated workers’ compensation claims. 像这样, it’s critical for businesses to incorporate mental health initiatives into their employee well-being efforts. 除了, businesses should keep in mind that many states have or are in the process of enacting legislation that would expand workers’ compensation coverage to include job-related mental health conditions. 换句话说, workers may be able to receive benefits for mental health concerns occurring in the scope of employment and stemming directly from their job responsibilities. 

通货膨胀问题—The workers’ compensation segment has been affected by two types of inflation over the last few years: medical inflation and wage inflation. Medical inflation refers to rising costs for medical resources. The National Library of Medicine asserts that these costs comprise the largest share of workers’ compensation expenses. 根据NCCI, medical costs in the workers’ compensation segment more than doubled the 10-year average in 2022, presenting ongoing medical inflation concerns and increasing the likelihood of higher workers’ compensation costs. 另外, many businesses have increased their workers’ pay to boost attraction efforts, 导致工资上涨. Because payroll is leveraged as an exposure base to calculate workers’ compensation premiums, 工资上涨可能促使利率上升.

给购买保险人士的建议

• Implement workplace policies to address key safety risks. 对所有工人进行日常安全培训. 

• Consider implementing AI technology and other digital solutions in your workers’ compensation program. 

• Review the NCCI’s upcoming changes to certain components of its experience modification factor formula. 

• Make it a priority to incorporate mental health resources into workplace well-being offerings. 

• Have clear processes established for handling workers’ compensation claims as efficiently as possible. 

This article is intended for informational purposes only and is not intended to be exhaustive, nor should any discussion or opinions be construed as professional advice. ©2023 Zywave, Inc. 版权所有.