根據勞工保險局的統計資料顯示，職業工會勞工在職災保險中繳納較低的保險費，但卻請領較多的保險給付，因此本研究即依據費率精算時最常採用的可信度理論，試算2000年至2002年職業工會勞工的可信費率，並與非職業工會勞工進行比較分析。研究結果發現職業工會勞工在參加職業災害保險時，確實存在著逆選擇與道德風險的現象。由於少數行業繳納較少的保險費、但申請較多的保險給付，導致其整體的可信費率明顯高於受僱勞工。職是之故，研究者認為基於社會公平原則，應針對職業工會勞工單獨成立一套職業災害補償制度，或在現行職災保險制度中另外針對職業工會勞工計算其保險費率，以避免產生公平性的爭議。

According to the statistic data of the Bureau of Labor Insurance, the craft workers had lower premium and higher benefits than other workers in the Occupational Injury Insurance. According to Credibility Theory, the author calculated credibility rate of craft workers, and compared with other workers. The result revealed that there were adverse selection and moral hazard situation for craft workers in the Occupational Injury Insurance, especially in the process of underwriting and benefit claiming because the craft workers had higher credibility rate than other workers, but it existed in some industries. For the principle of social equity, the author suggested that craft workers should be excluded from the current scheme and another worker compensation scheme should be established or a single premium rating system in current scheme should be designed.