effects and the South. They then incorporate the injury rate equation into a simultane-
ous system of three equations that explain the injury rate, hours of work, and wage and
estimate the system separately for each injury rate.
For temporary total disabilities, the three expected workers’ compensation benefit
variables are statistically insignificant individually and jointly. For minor permanent par-
tial disabilities, benefits for temporary total disabilities and minor permanent partial dis-
abilities raise the frequency of claims but benefits for major permanent partial disabilities
lower the frequency of claims. Jointly a 10 percent rise ...
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