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Identifying risk-based selection in social insurance : new approaches and findings

Ejrnæs, Mette; Hochgürtel, Stefan - 2022

We study risk-based selection into a voluntary unemployment insurance (UI) scheme. To disentangle behavioral effects … from selection, we exploit variation in the sign-up induced by an early retirement scheme embedded into the UI system. We … combine an event study with a differencein-difference approach applied to Danish register data to quantify the selection. We …

Persistent link: https://www.econbiz.de/10013274253

US and European household debt and credit constraints

Crook, Jonathan N.; Hochgürtel, Stefan - 2007

This paper uses micro data from four OECD countries (the United States, Spain, Italy, and the Netherlands), to assess the determinants of household debt holding and to investigate whether or not credit constraints are important for household debt holding. We extend the existing literature in...

Persistent link: https://www.econbiz.de/10011373833

Non-take-up of tax-favored savings plans : are household portfolios optimal?

Alessie, Rob; Hochgürtel, Stefan; Soest, Arthur van - 2001

Since the early nineties, the Dutch tax system allows for a tax-favored form of risk free savings through employer-sponsored savings plans (ESSPs). Under some conditions and up to a certain amount, the contributions to this planare tax-deductible, and the returns as well as the withdrawals are...

Persistent link: https://www.econbiz.de/10011325658