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Background The workers’ compensationsystem faces an enormous challenge in 2022 as the novel consequences of the most recent surge of SARS-CoV-2 infection engulf the nation. The issues will include: evaluating temporary disability benefits, delivering medical treatment, and estimating the nature and extent of disability.
If the workers’ compensation insurance arrangement is irrelevant, the ratio of worker benefits paid to employer cost should be similar regardless of the insurance arrangement category. The WBP/EC ratio was also below the average for the three categories considered and the ratio for the exclusive state fund category.
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Compensation System 
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