Key findings in the analysis include:
- Preliminary data for Accident Year 2009 revealed a continued overall decline in claim frequency and overall increases in indemnity and medical severities.
- Frequency declines were observed for all industries, geographic regions, and employer sizes, as well as for most claim types.
- Claims considered "Likely-to-Develop" exhibited a larger percentage frequency decline than those considered "Not-Likely-to-Develop."
- Some of the more complex claims, such as carpal tunnel and lower back, declined more than average over the latest five years.
- Frequency changes varied considerably by type of injury.
- Injury type differences notwithstanding, frequency changes were relatively consistent by size of loss for claims under $250,000.
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