The rate of change in workers' compensation indemnity claim costs has continued to grow since 1995.

| | Until 2005, workers' compensation indemnity severity had outpaced wage inflation for a decade.

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Wokers' compensation medical claim cost trends continue to accelerate.

| | Medical severity has also been growing much faster than the medical CPI.

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Workers' compensation medical losses are more than half of total losses.

| | The frequency of lost-time claims has continued its decline.

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