Moral hazard is easy to justify theoretically but difficult to detect <p> empirically. Individuals may report sick due to illness as well <p> as for moral hazard reasons. Potential abuse of the sickness insurance <p> system in Sweden is estimated by comparing the change <p> between the number of men and...</p></p></p></p>

In this paper information on individual birth dates is used as a natural experiment when estimating potential cheating behavior within the Swedish sickness insurance program. In the psychological literature there are theories why men and women react differently to ethical situations. Results in...