Question: Because the workers' compensation system provides such predictable benefits: The costs for the program are rapidly getting out of control. Standard actuarial models can be

Because the workers' compensation system provides such predictable benefits: The costs for the program are rapidly getting out of control. Standard actuarial models can be used which lend themselves to a 100% insured system. The costs for the program can be expected to vary widely from year to year. The employer's interests are inherently opposed to those of the employees

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