It is generally accepted that Social Security Disability Insurance (DI) Program application rates are influenced by the macro economy. DI program data and previous research indicate that a disproportionate number of beneficiaries (past applicants) are less-educated, with low-skill employment...

Litigation rates in the United States have long been considered out of proportion with the remainder of the world, leading to a good deal of economic research trying to understand the causes. Much of that literature has focused on lawyer compensation rules and availability of general damage...

Claims payment is the primary service purchased by the majority of insurance buyers. How this service is performed is important on a couple of levels. For the individual insurer, the claims function composes the majority of its operating costs. As an industry, claims manageemnt can create an...