Correlates of Workers' Compensation Claims Adjustment
利用纽约州非计划永久性残疾索赔数据，估计了保险公司否认责任和减少福利的概率，发现保险公司更可能调整成功概率高的索赔，但高福利索赔反而调整概率更低。
Using a sample of New York nonscheduled permanent disability claims, this article estimates the probability of controversion (the act of denying liability for a workers' compensation claim) and the conditional probability of benefit reductions initiated by insurers. The data suggest that insurers are more likely to adjust claims where the probability of a successful adjustment (i.e., an adjustment that is upheld by the workers' compensation board) is high. Although there is some evidence that insurers are more likely to adjust more costly claims, benefit levels are negatively related to adjustment probability, contrary to expectations. These results indicate that insurers are less likely to adjust high benefit claims since these claimants are more likely to resist adjustment efforts.