Older married women who hurt their backs are the class of workers whose injury claims are most likely to exceed adjusters' cost estimates, a new study finds.

The report from the Cambridge, Mass.-based Workers' Compensation Research Institute, based on data from 1996 through 2000, also found frequency of "adverse surprise" cases increasing in 12 states that were studied. Increases were largest in California and Texas, the WCRI said.

The report said that adverse surprise cases represent a significant share of medical costs in each state. It found that cases with significant or moderate surprises represent about 30 percent to 40 percent of medical costs in most states.

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