White Paper

Employee Health & Workers’ Compensation: What the Research Reveals

The impact of workers’ compensation accidents and claims on employers can be profound. Employees’ health and well-being are at risk, as are the organization’s reputation and financial health.

White Paper Summary

During 2019 University Risk Management and Insurance Association (URMIA) Conference in Boston, we shared the highlights from PMA Companies’ 2019 Integrated Claims Study. We examined one of the most problematic trends in workers’ compensation: the impact of employee comorbidities, that is, pre-existing conditions, such as obesity, smoking, and diabetes on workers’ compensation claims results.

Research Findings

PMA’s study examined over 60,000 lost time workers’ compensation claims from over 1,900 accounts, screening for 14 comorbidities and nine psychosocial risk factors. The research revealed:


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The General Insurance Group is the largest business segment within the Old Republic Insurance Group and specializes in the property & casualty marketplace. Each company focuses on a select segment, offering specialized insurance coverages or specializing by industries. This is our competitive advantage. While collectively we offer a full suite of risk management and insurance solutions, our expertise in unique industry segments is unsurpassed. We serve large corporations with complex risks, small and mid-sized companies, and consumers with home and auto warranty offerings.

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