US Workers Comp System Compared to Other Countries

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US Workers Comp System – A World Leader?

The US Workers Comp System has come under attack very often recently.   I agree that isolated cases do occur – not a trend.   What is the greatest way to find out what is going on internationally.   Flying overseas always  gives me a great idea of what is going on in certain countries. 

Business People US Workers Comp System Staring At Leader
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I have spoken with Russian, Philippine, Chinese, and other pan Asian countries concerning Workers Comp.  Most countries do not even have a system that keeps an injured worker’s family going while one or the only major breadwinner is unable to work due to an on the job injury.

My simple poll of fellow plane passengers provided great information such as:

  • Russia – you are out of luck.  The injured workers usually keeps working even though they have sustained what would be considered a major injury.
  • Philippines – once again, you are out of luck on the wage replacement benefits.  The Philippines provides PhilHealth.  PhilHealth is basically the same as Medicaid.  
  • China – the system allows a worker to file a claim.  The medical system is very corrupt between the large companies and their influence over physicians.
  • Thailand – out of luck again – nothing really provided for an injured worker.  There is some type of nationalized health insurance.  The system is not as good when compared to PhilHealth. 
Aircraft US Workers Comp System On Airport
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These examples were generated from conversations with plane passengers.   As we look to compete on a global basis, we must look at other countries’ Workers Compensation systems before we blast away at our own.  

Somewhere in the world probably exists a better system.  However, until someone points it out the US Workers Comp System leads the world in providing proper benefits to injured workers.

If someone know of a better system, please comment below.   I would love to have to stand corrected.   I doubt I hear that the US Workers Comp system takes a backseat to another country.

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2 Responses

  1. You would think that those countries would be receptive of medical travel for their injured workers to countries in their respective regions known for high quality medical care. At least the Philippines treats their workers, wage replacement is another matter.

  2. Richard, one would think that most countries would have some type of full Workers Comp coverage for their employees. Could I just be an imperialistic American? Just from this quick Google search I found quality hospital care at a discount. PhilHealth is basically socialized medicine. I had a crown refixed for $36 for what would have cost $250 in the US. The dental office was sanitary, and used the same materials as US dental offices.

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James Moore

Raleigh, NC, United States

About The Author...

James founded a Workers’ Compensation consulting firm, J&L Risk Mgmt Consultants, Inc. in 1996. J&L’s mission is to reduce our clients’ Workers Compensation premiums by using time-tested techniques. J&L’s claims, premium, reserve and Experience Mod reviews have saved employers over $9.8 million in earned premiums over the last three years. J&L has saved numerous companies from bankruptcy proceedings as a result of insurance overpayments.

James has over 27 years of experience in insurance claims, audit, and underwriting, specializing in Workers’ Compensation. He has supervised, and managed the administration of Workers’ Compensation claims, and underwriting in over 45 states. His professional experience includes being the Director of Risk Management for the North Carolina School Boards Association. He created a very successful Workers’ Compensation Injury Rehabilitation Unit for school personnel.

James’s educational background, which centered on computer technology, culminated in earning a Masters of Business Administration (MBA); an Associate in Claims designation (AIC); and an Associate in Risk Management designation (ARM). He is a Chartered Financial Consultant (ChFC) and a licensed financial advisor. The NC Department of Insurance has certified him as an insurance instructor. He also possesses a Bachelors’ Degree in Actuarial Science.

LexisNexis has twice recognized his blog as one of the Top 25 Blogs on Workers’ Compensation. J&L has been listed in AM Best’s Preferred Providers Directory for Insurance Experts – Workers Compensation for over eight years. He recently won the prestigious Baucom Shine Lifetime Achievement Award for his volunteer contributions to the area of risk management and safety. James was recently named as an instructor for the prestigious Insurance Academy.

James is on the Board of Directors and Treasurer of the North Carolina Mid-State Safety Council. He has published two manuals on Workers’ Compensation and three different claims processing manuals. He has also written and has been quoted in numerous articles on reducing Workers’ Compensation costs for public and private employers. James publishes a weekly newsletter with 7,000 readers.

He currently possess press credentials and am invited to various national Workers Compensation conferences as a reporter.

James’s articles or interviews on Workers’ Compensation have appeared in the following publications or websites:

  • Risk and Insurance Management Society (RIMS)
  • Entrepreneur Magazine
  • Bloomberg Business News
  • WorkCompCentral.com
  • Claims Magazine
  • Risk & Insurance Magazine
  • Insurance Journal
  • Workers Compensation.com
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  • Various trade publications

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