Experience rating

In many workers’ compensation systems, the premium rates charged to organizations depend on the degree to which their injury claims costs are higher or lower than the industry average. This mechanism is called “experience rating,” and it is meant to provide workplaces with a financial incentive to invest in programs that prevent work-related injuries and disabilities. IWH research investigates if experience rating is having this intended effect, what other effects it may be having and why, and what program design elements will achieve optimum prevention efforts.