I know that this article is off-topic, but I could not let it pass.
It seems that claim severity is down in the worker’s compensation market. This article reports that "[o]verall injury rates have dropped by an average of 3.9% per year since 1996 including an estimated 4.5% decline in 2005, according to the 2006 study. But for the two most recent years, high-cost claims have shared equally in the frequency decline …."
Does this mean rates will be coming down? Nope – because medical costs have seen average increases of 9.1% each of the last four years.