As with every other stakeholder in the insurance industry today, the National Council on Compensation Insurance (NCCI) continues to absorb and examine the details and impact of the health-care bill signed into law by President Barack Obama this spring.

Given our area of expertise, NCCI has examined the law with an eye toward enumerating the effects we anticipate for the workers' compensation industry.

To be clear, the overall magnitude and direction of the impacts are not currently measurable, due to the following:

  • The details of implementation are not currently known, and may take several years to be enacted
  • There are potentially offsetting impacts
  • The ultimate long-term effects will depend on behavioral changes and actions by claimants, attorneys, healthcare providers, insurers, and regulators

However, as of this writing, we can outline some of the potential direct and indirect effects that the national health-care bill might have for the workers' compensation insurance market, as well as some longer term items that the industry will need to keep an eye on.

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