Over recent years, the constant evolution of mortality has made it necessary, for insurance and social security institutions, to monitor constantly these developments.
Our study focuses on disabled people, specifically workers insured by the National Institute of Employment Accident Insurance (Istituto Nazionale per l’Assicurazione contro gli Infortuni sul Lavoro – INAIL), who suffered an accident at work or contracted an occupational disease and receive a life annuity.
The results show that, in recent decades, there was a general improvement of disabled’s life expectancy for the Italian population, but this improvement is not uniform across all groups of disability.
The variables that most affect mortality for those with disabilities are duration (years from starting date of annuity to valuation date), severity of impairment (class of degree) and type of event (accident or occupational disease). In the case of longer duration, because of the stabilization of the event’s after-effects, mortality of disabled is globally similar to that of the Italian population, other studied variables influence only slightly the level of mortality.
For shorter duration periods, there’s a substantial difference between life expectancy of those with workplace injuries and those with occupational diseases: for low-mid impairment, an injured survives about ten years more than a diseased, for high impairment the difference is over twenty years.