Showing 1 - 10 of 1,467
We provide a detailed analysis of the incidence, duration and determinants of claims made on private Long Term Disability (LTD) policies using a database of approximately 10,000 policies and 1 million workers from a major LTD insurer. We document that LTD claims rates are much lower than claims...
Persistent link: https://www.econbiz.de/10013104731
mortality as one indicator of health that is comparable across countries and over time in the same country. We then consider how … mortality is related to other indicators of health status, in particular self-assessed health and then how trends in DI … formal analysis of disability insurance programs, with this key question: Given health status, to what extent are the …
Persistent link: https://www.econbiz.de/10013130978
features and reforms of the pension system since the 1960s. Then we show how mortality, health and labor force participation of … the elderly have changed since the 1970. While mortality (as our main measure of health) has continuously decreased and …The aim of this paper is to describe for (West) Germany the historical relationship between health and disability on …
Persistent link: https://www.econbiz.de/10013124658
This paper studies the interrelated roles of health and welfare state policies in the decision to take up disability … physical or mental illness. We exploit the large international variation of health, self-reported WD and the uptake of DI … benefits in the US and Europe using a harmonized data set with life history information assembled from the Survey of Health …
Persistent link: https://www.econbiz.de/10012909134
There are large differences in labor force participation rates by health status. We examine to what extent these … Denmark we find that those in worse health and with less schooling are more likely to receive DI. The gradient of DI … participation across health quintiles is almost twice as steep as for schooling - moving from having no high school diploma to …
Persistent link: https://www.econbiz.de/10013052122
This paper constructs a dynamic model of health insurance to evaluate the short- and long run effects of policies that … prevent firms from conditioning wages on health conditions of their workers, and that prevent health insurance companies from … charging individuals with adverse health conditions higher insurance premia. Our study is motivated by recent US legislation …
Persistent link: https://www.econbiz.de/10013097204
Security Administration's Disability Insurance program: that of health care incentives under the program. The examination of … health care incentives involves a 2-period, 2-state insurance model under uncertainty which incorporates two general types of …
Persistent link: https://www.econbiz.de/10012762907
, surgical procedures, and diagnostic radiology procedures.We examine two kinds of (inverse) indicators of health: mortality and … the health of Americans during the period 1990-2003. We hypothesize that, the more medical innovation there is related to … a medical condition, the greater the improvement in the average health of people with that condition. To test this …
Persistent link: https://www.econbiz.de/10013247291
We develop a pair of risk measures, health and mortality delta, for the universe of life and health insurance products …. A life-cycle model of insurance choice simplifies to replicating the optimal health and mortality delta through a … portfolio of insurance products. We estimate the model to explain the observed variation in health and mortality delta implied …
Persistent link: https://www.econbiz.de/10013121063
the National Health Interview Survey to study one such behavior: smoking. We find that CABG patients are 12 percentage …
Persistent link: https://www.econbiz.de/10013049007