- Is healthcare spending similar across nations?
- Is the workers’ compensation part of that spending similar across nations?
- Does it matter to workers’ compensation if there is a single payer system in place?
- Out of pocket health and rehabilitation expenses (including prescription charges, travel expenses, home expenses and funeral expenses £ 83 Million
- Proportion of individual private health insurance premiums attributable to work related illness/injury £ 21 Million
- Employer: Proportion of corporate private health insurance premiums attributable to work related illness/injury £ 97 Million
- Government/Taxpayer: NHS treatment and rehabilitation costs (short and long term) £738 Million
(a) public administration [single payer, not for profit, public authority];
(b) comprehensiveness [all necessary health services];
(c) universality [everyone entitled to same level of care];
(d) portability [coverage maintained even if in another province]; and
(e) accessibility [reasonable access to care and reasonable compensation to hospitals and providers for services].
Work-related injuries are almost entirely preventable. In the ideal world, their contribution to national healthcare spending should be vanishingly small. The world, however, is far from ideal. Regardless of workers’ compensation model, the cost of work-related injury, illness and disease is significant. Under private, competitive models and exclusive state fund or provincial workers’ compensation, those significant healthcare expenditures are a big part of the premium cost and provide further incentive toward prevention. Keeping the healthcare cost of work-related injury, illness and disease a direct part of the workers’ compensation premium may hasten progress toward that ideal world.