Académique Documents
Professionnel Documents
Culture Documents
Grant Pittams
ACC Research Manager
Key premises
Well founded sociological and economic behavioural
theories and evidence are available to inform
understanding of the drivers of ACC Claims rates
Everything in between
Least
Clear
Line moves up if providers and
clients perceive claims are more
likely to be accepted
Extent
Type of Injury
Cover
Med Fees
a
ctu
l&
Po
te
al
nti
m
lai
m
olu
Most
Clear
Least
Clear
Extent Treatment, Rehab Services and Compensation
Cover
Fundamental insights
informing model
Consistent:
seasonal fluctuations
long-term patterns by type of Claim
patterns vary by type of Claim
macro and micro economic behavioural effects impact
differently upon Type of Claim
Fundamental insights
informing model
Significant differences between the Scheme Accounts in terms of:
claim volume
claim proportion
cost
types of injury claim
Small % changes can = large volumes and costs in some
accounts
Scheme Accounts comprise:
Work
Motor Vehicle
Earner
Non-Earner
Self-employed
Fund Type
1,000,000
Non Earners
800,000
600,000
Earners
400,000
Work
200,000
MV
10
20
09
20
08
20
07
20
06
20
05
20
04
20
03
20
02
20
20
01
Expenditure on Weekly
Compensation
Expenditure on Entitlements
$850
$M $800
$600
$400
$444
$479
$200
$0
$324
$94
$76
ES Changes
110
100
90
80
70
-1
0
M
ar
-0
9
M
ar
-0
8
M
ar
-0
7
M
ar
-0
6
M
ar
-0
5
M
ar
-0
4
M
ar
-0
3
M
ar
-0
2
M
ar
-0
1
60
M
ar
Unemployment Rises
Social Dynamics
ACC Research commissioned research among GPs to explore whether
they had changed their behaviour in any way that may account for the
reduction in GP initiated Med Fee claims. GPs were asked:
Did they have an opinion as to why claim numbers may have dropped?
Had they changed the way they decide whether a claim should be lodged
with ACC or not?
Had they noticed whether injured workers are more or less likely to take
time off work on ACC and why?
The recession has impacted access to health services (due to the cost)
and people are more reluctant to take time off work in case it jeopardises
their job
Some GPs commented that with minor injuries it wasnt worth the time
or hassle filling in the paperwork
Social dynamics
33% felt that their patients were taking less time off work due to
injury largely attributed to financial restraints and concerns about
loss of jobs.
27% of GPs stated that they have changed the way they certify time
off this generally reflected a shift towards encouraging gradual
return to work.
Summary
Claim rates are the same now as they were in 2001 i.e. the net growth in
claims over the decade is explained by the increase in population.
Changes in strategic direction are observed to be associated with changes
in claim rates. Claim rates rose from 2005 until 2008 falling back to
previous levels by 2010. From 2005 the focus was improved access, then
from 2009 it changed to value for money.
The downward trend in claim numbers has now levelled off, and in the
absence of significant changes in funding or policy settings, new claims
can be expected to increase gradually over time in line with population
change.
Summary
There is a time lag between turning points in economic series and claim
numbers claims turned before economy in 2008
no clear economic association for some types of claims
for work claims there is international evidence that lower employment leads to
fewer claims
Clear policy effects associated with some types of claims but not all
Need to treat Med Fees differently from Weekly Comp Claims in terms of
drivers of change.
Plausible drivers of Med Fees Provider and Claimant Behaviour in
short-term. Long term Health System change in role of service delivery
Plausible Drivers of Weekly Comp are:
Risk
Exposure (Hours Worked)
Entitlement (Policy and Legal cover decisions)
Thirdly
operational efficiencies have a role in contributing to the cost of
services and efficacy of outcome.