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Table 2 Binary logistic regression testing factors associated with experience of the claims process

From: Injured worker experiences of insurance claim processes and return to work: a national, cross-sectional study

Factor Sample Characteristics Positive Experience Negative or Neutral Experience Binary Logistic Regression
N col % N row % N row % AOR 95% CIs p value
Total 10946 100.0 8431 77.0 2515 23.0 n/a   
Age categor
 15 to 35 years 2849 26.0 2248 78.9 601 21.1 1.00   
 36 to 55 years 5495 50.2 4110 74.8 1385 25.2 1.01 (0.90,1.14) 0.856
 56 + years 2602 23.8 2073 79.7 529 20.3 1.33 (1.16,1.53) < 0.001
Sex
 Female 3950 36.1 2897 73.3 1053 26.7 1.00   
 Male 6996 63.9 5534 79.1 1462 20.9 1.22 (1.10,1.34) < 0.001
General health
 Very Good/Excellent 4253 38.9 3705 87.1 548 12.9 1.00   
 Poor/Fair/Good 6627 60.5 4678 70.6 1949 29.4 0.37 (0.33,0.41) < 0.001
 Missing 66 0.6        
Condition
 Musculoskeletal Conditions 6490 59.3 4927 75.9 1563 24.1 1.00   
 Fractures 1346 12.3 1138 84.5 208 15.5 1.50 (1.28,1.77) < 0.001
 Neurological Injury & Disease 210 1.9 164 78.1 46 21.9 1.18 (0.84,1.67) 0.334
 Mental Health Conditions 643 5.9 343 53.3 300 46.7 0.47 (0.39,0.55) < 0.001
 Other traumatic 1881 17.2 1559 82.9 322 17.1 1.30 (1.13,1.49) < 0.001
 Other diseases 365 3.4 293 80.3 72 19.7 1.13 (0.86,1.48) 0.389
 Missing 11 0.1        
Jurisdiction
 Queensland 2183 19.9 1775 81.3 408 18.7 1.00   
 Tasmania 1076 9.8 826 76.8 250 23.2 0.86 (0.71,1.04) 0.117
 Western Australia 1491 13.6 1227 82.3 264 17.7 1.08 (0.90,1.30) 0.382
 Seacare 258 2.4 193 74.8 65 25.2 0.65 (0.47,0.90) 0.010
 New South Wales 1534 14.0 1180 76.9 354 23.1 0.77 (0.64,0.91) 0.002
 South Australia 1329 12.1 1021 76.8 308 23.2 1.02 (0.85,1.22) 0.857
 Comcare 785 7.2 558 71.1 227 28.9 0.85 (0.68,1.05) 0.126
 Northern Territory 280 2.6 189 67.5 91 32.5 0.51 (0.38,0.68) < 0.001
 Victoria 2010 18.4 1462 72.7 548 27.3 0.74 (0.63,0.87) < 0.001
Days to lodge claim
 Less than 7 days 3639 33.2 2962 81.4 677 18.6 1.00   
 7 to 13 days 2382 21.8 1867 78.4 515 21.6 0.91 (0.79,1.04) 0.161
 14 to 27 days 2151 19.7 1654 76.9 497 23.1 0.86 (0.75,1.00) 0.044
 28 to 55 days 1379 12.6 1008 73.1 371 26.9 0.77 (0.66,0.91) 0.002
 56 to 83 days 494 4.5 346 70.0 148 30.0 0.70 (0.56,0.87) 0.002
 84 to 180 days 549 5.0 370 67.4 179 32.6 0.63 (0.50,0.78) < 0.001
 Over 180 days 351 3.2 223 63.5 128 36.5 0.60 (0.46,0.77) < 0.001
 Missing 1 0.0        
Employer type
 Premium-paying 9895 90.4 7689 77.7 2206 22.3 1.00   
 Self-insured 1051 9.6 742 70.6 309 29.4 0.75 (0.63,0.88) < 0.001
Time post claim
 6 to 11 months 8182 74.7 6365 77.8 1817 22.2 1.00   
 12 to 17 months 1268 11.6 974 76.8 294 23.2 0.97 (0.83,1.13) 0.653
 More than 18 months 1496 13.7 1092 73.0 404 27.0 0.78 (0.67,0.89) < 0.001
Year of interview
 2013 2486 22.7 1885 75.8 601 24.2 1.00   
 2014 4304 39.3 3304 76.8 1000 23.2 1.11 (0.97,1.26) 0.119
 2016 4156 38.0 3242 78.0 914 22.0 1.17 (1.03,1.34) 0.018
  1. Note: AOR Adjusted Odds Ratio, CI 5 and 95% confidence intervals, p value = level of statistical significance; N number, col.% = column percentage; row % = row percentage; Higher AOR correspond with a positive claims experience