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Comp for COVID could keep sick workers at home: Rand



Using compensation schemes to provide medical benefits and benefits to covid-19 workers may be beneficial, according to a Rand Corp. report. released on Tuesday.

"Insured benefits can encourage sick workers to stay at home, and work compensation has long been recognized as an effective incentive for employers to proactively promote safety in the workplace by using insurance rates to encourage safety investment," wrote researchers. 19659002] States and insurance companies could also alleviate employers' concerns about rising premiums by excluding covid-19 claims from experience valuation and instead using premium rebates or other incentives to encourage companies to take steps to reduce the transmission of the virus, according to the newspaper.

Researchers noted that many states increased the possibility for workers to receive benefits either through executive orders or legislation that creates rebuttable presumptions.

”, Says d one in the report. "Because the disease is believed to have occurred during the course of employment, plaintiffs face a lower limit for having their claims approved."

Most jurisdictions adopted covid-1

9 presumptions that take effect when a person tests positive or is diagnosed with the disease. In at least three states – Mississippi, North Dakota and Washington – the presumption is triggered when a worker is ordered to quarantine by an employer due to suspected exposure to covid-19, according to the newspaper.

Researchers noted that payers accept covid. -19 claims from frontline workers in several states who have not adopted presumptions. Nevertheless, most workers have limited opportunities to reimburse lost wages and cover medical expenses for the treatment of covid-19 outside the workers 'compensation system, the researchers wrote.

"Increasing workers' compensation to cover covid-19 claims has several potential benefits for workers. otherwise, employers could be afraid of losing their jobs if they had to take time off after becoming ill. Guaranteed coverage should in theory give workers an incentive to stay home if they are ill, which reduces the risk for the continued spread of the virus while offering compensation for lost wages and medical expenses. "

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