We use quasi-random variation in graduation years during the onset of a very deep national recession to study the relationship between early labor market conditions and young females' family formation outcomes. A policy-pilot affecting the length of upper-secondary education in Swedish...

It has been well-documented that Disability Insurance (DI) may cause moral hazard in terms of higher disability risk and lower employment. For supplementary insurance from private insurers, however, the effects are less well understood: extra coverage may further increase workers' moral hazard,...