Claims Reporting and Risk Bearing Moral Hazard in Workers' Compensation : The Canadian Context

This paper explores the Canadian context of workers' compensation (WC) by replicating, with Canadian data, a study carried out by Butler and Worrall (1991). These authors were the first to develop a simple model to separate claims reporting and risk bearing moral hazard in WC. Risk bearing moral hazard reflects the workers' incentive to carry more risk and consequently experience more accidents when benefits rise, while claims reporting moral hazard mirrors workers' incentive to file a claim. The estimation of these two moral hazard effects leads to results quite different with Canadian data than with American data. Ce texte explore les mécanismes canadiens d'indemnisations pour accidents du travail en reproduisant avec des données canadiennes l'étude de Butler et Worrall (1991). Ces auteurs furent les premiers à développer un modèle simple pour distinguer deux types de risque moral liés à l'indemnisation des accidents du travail : Le risque lié au comportement préventif et le risque lié à la déclaration d'accidents. Le premier est associé à la tendance des travailleurs de prendre plus de risque lorsque la générosité des indemnisations augmente, alors que le second est associé à leur propension à faire une réclamation lorsqu'ils ont un accident. L'estimation de ces deux types de risque moral, avec des données canadiennes, donne des résultats trés différents de ceux présentés par Butler et Worrall.Worplace Accidents, Workers'Compensation, Moral Hazard, Accidents du travail, indemnisations, risque moral

Development of a procedure for the evaluation of spouses' and persons with aphasia's contributions an interview situation

Person with aphasia’s participation in group conversations in presence of her/his spouse have not been extensively studied. The development of a procedure that addresses the spouses’contributions (i.e., ‘repair’, ‘speaking for’ and ‘support’) as well as the reaction and participation of the person with aphasia in an interview situation is presented. Results from eight couples indicate that spouses are quite active when the aphasic person has the floor. Aphasic persons most often approve what the spouse has contributed and continue to participate fully. However, unsolicited ‘speaking for’ behaviors are sometimes followed by a decrease participation in conversation of people with aphasia