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Ruth A. Brown
D uring 1992, four States provided workers' compensation coverage through alternative sources, other than through workers' compensation insurance. Alabama permitted employers to insure for workers' compensation liability by any combination of life, disability, accident, health, or other insurance as long as coverage did not limit or exclude workers' compensation benefits. California implemented a pilot project under which a participating employer would be authorized to contract with a qualified health care service plan to be the exclusive provider of medical care for work and nonwork injuries and illnesses. Georgia's insurance commissioner was authorized to approve pilot projects which allowed employers and employees to enter into agreements to provide employees with workers' compensation medical benefits through comprehensive health insurance that covers workplace injuries and illnesses. Maine passed legislation requiring the superintendent of insurance to adopt rules to permit employers and employees to enter into agreements to provide the employees with health care benefits covering both workplace and nonworkplace injury and illness.
The number of States allowing workers compensation policies with deductibles continues to increase, as Kentucky, Minnesota, Mississippi, and Missouri instituted such provisions. Colorado increased the amount of the deductible allowed under its statute.
Workers' compensation fraud received considerable attention in 1992, as Connecticut, Minnesota, and Oklahoma established fraud units within their workers' compensation divisions, and Alabama, Missouri, and Rhode Island stiffened their fraud penalty provisions.
This excerpt is from an article published in the January 1993 issue of the Monthly Labor Review. The full text of the article is available in Adobe Acrobat's Portable Document Format (PDF). See How to view a PDF file for more information.
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State workers' compensation legislation enacted in 1993. January 1994.
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