The employer-sponsored life insurance (ESLI) market is particularly susceptible to adverse selection due to community-rated premiums, guaranteed issue coverage, and the existence of a well-functioning individual market as a substitute. Using administrative payroll and healthcare claims data from...

This paper evaluates how sick pay mandates operate at the job level in the United States. Using the National Compensation Survey and difference-in-differences models, we estimate their impact on coverage rates, sick leave use, labor costs, and non-mandated fringe benefits. Sick pay mandates...

We examine the labor market impacts of the Affordable Care Act dependent mandate (ACA-DM), which has significantly increased dependent children's health insurance coverage through parents' employer-sponsored health benefits. Using data from the American Community Survey, we find that the ACA-DM...

Employer-provided benefits are independent elements in the compensation packages that make up firms' payment strategies. Such benefits are aimed at attracting and retaining preferred employees and improving incentives. In Myanmar, there are two employee benefit systems: (1) an unregulated...

A negative shock to one household member can have consequences for other household members. This paper demonstrates the extent of job lock and health insurance plan stemming from the unanticipated health shock of a child family member. In response to the shock, I estimate a 7 - 14 percent...

Millions of defined benefit pensioners must select a pension insurance method. We present a framework for making this decision within the context of US military veterans' Survivor Benefit Plan (SBP). Federal government subsidies generate a positive expected net payout for SBP. While insurance...

This paper studies how mandating employers to provide health insurance of a minimum quality and the associated increases in health insurance premia affect firm employment and performance. To do so, we use hand-collected firm-level employee health insurance data. We find that employers with...

This paper evaluates the labor market effects of sick pay mandates in the United States. Using the National Compensation Survey and difference-in-differences models, we estimate their impact on coverage rates, sick leave use, labor costs, and non-mandated fringe benefits. Sick pay mandates...

This paper evaluates the labor market effects of sick pay mandates in the United States. Using the National Compensation Survey and difference-in-differences models, we estimate their impact on coverage rates, sick leave use, labor costs, and non-mandated fringe benefits. Sick pay mandates...

Betriebliche Krankenversicherungen sind eine bisher relativ seltene betriebliche Sozialleistung. Im vorliegenden Report werden Daten der WSI-Betriebsrätebefragung 2016 zu Verbreitung und Eigenschaften dieser Form der Krankenzusatzversicherung dargestellt. Außerdem wird auf die Finanzierung und...

We analyze the effect of employer-sponsored health insurance premiums on employment and annual wages in the US using a county-level panel dataset for the period 2005-2010. Using variation in medical malpractice payments and variation in medical malpractice legislation over time and within states...

This study explores the effect of public health insurance on employment transitions of adults without dependent children. Under the Affordable Care Act, many states expanded Medicaid eligibility to cover adults with incomes up to 138 percent of the federal poverty level. I exploit this sharp...

Insurance plan design has important implications for consumer welfare. In this paper, we model insurance design in the Medicare prescription drug coverage market and show that strategic private insurer incentives impose a fiscal externality on the traditional Medicare program. We document that...

This paper evaluates the labor market effects of sick pay mandates in the United States. Using the National Compensation Survey and difference-in-differences models, we estimate their impact on coverage rates, sick leave use, labor costs, and non-mandated fringe benefits. Sick pay mandates...

We study the impact of the U.S. employment-based health insurance system on the employment rate, the shares of full-time/part-time workers, and aggregate hours worked in a general equilibrium life cycle model with incomplete markets and idiosyncratic risks in both income and medical expenses. In...

Designing benefits for the growing platform workforce in the U.S. poses significant challenges. While platform workers need protection against unforeseen shocks, work that is often part time and spread across multiple platforms makes the traditional benefits model untenable. This paper reports...

We examine how consumers respond to being effectively double insured under two systems: group health (GH) and workers' compensation (WC). Many GH plans have substantial consumer cost-sharing burden, while WC coverage has no cost-sharing for medical services for work-related injuries. As a...

This study investigates the relationship between fringe benefits and employee's job satisfaction. More specifically, following variables were taken as fringe benefits (i) Health Protection Benefits, (ii) Recreation Leaves, and (iii) Flexible Working hours. The primary data is gathered through...

We examine how consumers respond to being effectively double insured under two systems: group health (GH) and workers' compensation (WC). Many GH plans have substantial consumer cost-sharing burden, while WC coverage has no cost-sharing for medical services for work-related injuries. As a...

This paper develops and estimates a life‐cycle equilibrium labor search model in which heterogeneous firms determine health insurance provisions and heterogeneous workers sort themselves into jobs with different compensation packages over the life cycle. I study the optimal joint design of...

This paper estimates the effect of labor-market concentration on labor compensation across the U.S. private sector since 2000. We distinguish between concentration in local labor markets versus local product markets, guarding against bias from confounded product-market concentration. Analysis...

Existing evidence on the effectiveness of automatic enrolment is focused on large employers. We compare pension savings of employees working for small employers who were pseudo-randomly affected by automatic enrolment with those working for small employers who, at the same moment in time, were...

Why do firms offer non-wage compensation instead of the equivalent amount in financial compensation? We argue that firms use non-wage benefits, specifically maternity leave, to efficiently target workers with desirable characteristics. Using Glassdoor data, we show that firms offer higher...

We examine whether greater Medicaid generosity encourages mobility towards riskier but better jobs in higher paid occupations and industries. We use Current Population Survey Data and exploit variation in Medicaid thresholds across states and over time through the 1990s and 2000s. We find that...

One concern with employer-based health insurance is job lock or the inability for employees to leave their current employment for better opportunities for fear of losing benefits. We use the implementation of the Affordable Care Act's dependency mandate as a natural experiment. Data from the...

Based on published estimates of its price elasticity of demand and of tax wedges, as well as the method of revealed preference, I estimate that the annual social value of ESI is about $1.5 trillion beyond what policyholders, their employers, and taxpayers pay for it. The private component of...

Cover -- Title Page -- Copyright Page -- Contents -- Acknowledgments -- Foreword: Finding Our Way Forward -- Introduction: 4IR: It's the End of Work as We Know It (and the Rewards Are Fine) -- Chapter 1 The Power of Total Rewards -- Broadening the Definition of Total Rewards -- What Is Total...