The Institute for Civil Justice -- Board of Overseers -- California Commission on Health and Safety and Workers' Compensation, Blue-Ribbon Permanent Disability Policy Advisory Committee -- Preface -- Figures -- Tables -- Summary -- Acknowledgments -- Introduction -- 1. Self-Insurance in California and Implications for return to Work and Replacement of Lost Earnings -- 2. Measuring Earnings Losses and Replacement Rates -- 3. Data -- 4. Results on Earnings Losses and Replacement Rates -- 5. Comparing Results on Return to Work at Insured and Self-Insured Firms -- 6. Results on Earnings Losses and Replacement Rates by Severity of Injury -- 7. Explaining the Differences: The Impact of Firm Size and Pre-Injury Earnings on Wage Loss and Replacement Rates -- 8. Summary and Implications for Adequacy of Compensation -- A. Technical Appendix -- B. Responses from Workers' Compensation Stakeholders on Report Findings -- References.