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Risk-Based Pricing and Risk-Reducing Effort : Does the Private Insurance Market Reduce Environmental Accidents?
Yin, Haitao - 2009
This paper examines whether risk-based pricing promotes risk-reducing effort. Such mechanisms are common in private …
Persistent link: https://www.econbiz.de/10012463550
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Why is Mobility in India so Low? Social Insurance, Inequality, and Growth
Munshi, Kaivan - 2009
that local risk-sharing networks restrict mobility, is that among households with the same (permanent) income, those in …
Persistent link: https://www.econbiz.de/10012463798
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Optimal Taxation and Social Insurance with Endogenous Private Insurance
Chetty, Raj - 2008
This paper characterizes the welfare gains from redistributive taxation and social insurance in an environment where the private sector provides partial insurance. We analyze stylized models in which adverse selection, pre-existing information, or imperfect optimization in private insurance...
Persistent link: https://www.econbiz.de/10012464244
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Looking Beyond TRIA : A Clinical Examination of Potential Terrorism Loss Sharing
Kunreuther, Howard - 2006
of the risk to the private sector …The Terrorism Risk Insurance Act of 2002 (TRIA) established a public-private program to cover commercial enterprises … against foreign terrorism on US soil. It was a temporary measure to increase the availability of risk coverage for terrorist …
Persistent link: https://www.econbiz.de/10012466600
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Stemming the Tide? The Effect of Expanding Medicaid Eligibility on Health Insurance
Shore-Sheppard, Lara D. - 2005
Despite considerable research, there is little consensus about the impact of Medicaid eligibility expansions for low-income children. In this paper, I reexamine the expansions' impact on Medicaid take-up and private insurance "crowd-out." Focusing on the most influential estimates of the...
Persistent link: https://www.econbiz.de/10012467594
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Unemployment Insurance Savings Accounts
Feldstein, Martin - 1998
We examine a system of Unemployment Insurance Saving Accounts (UISAs) as an alternative to the traditional unemployment insurance system. Individuals are required to save up to 4 percent of wages in special accounts and to draw unemployment compensation from these accounts instead of taking...
Persistent link: https://www.econbiz.de/10012471952
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Moral Hazard and Claims Deterrence in Private Disability Insurance
Autor, David - 2012
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/10012460488
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Multidimensional Screening and Menu Design in Health Insurance Markets
Chade, Hector; Marone, Victoria R.; Starc, Amanda; … - National Bureau of Economic Research - 2022
We study a general screening model that encompasses a health insurance market in which consumers have multiple dimensions of private information and a price-setting insurer (e.g., a monopolist or a social planner) offers vertically differentiated contracts. We combine theory and empirics to...
Persistent link: https://www.econbiz.de/10013435104
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Fundamentally Reforming the DI System : Evidence from German Notch Cohorts
Fischer, Bjoern; Geyer, Johannes Micha; Ziebarth, Nicolas R. - National Bureau of Economic Research - 2022
lifecycle work disability risk, (2) strong and positive income and health gradients in private ODI take-up, and (3) inversely … related income and health gradients in the lifecycle work disability risk. Simulations illustrate that policy reforms to lower …
Persistent link: https://www.econbiz.de/10013477304
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Trade policy, income risk, and welfare
Krebs, Tom - 2005
"This paper studies empirically the relationship between trade policy and individual income risk faced by workers, and … three steps. First, longitudinal data on workers are used to estimate time-varying individual income risk parameters in … various manufacturing sectors. Second, the estimated income risk parameters and data on trade barriers are used to analyze the …
Persistent link: https://www.econbiz.de/10010522578