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Entrepreneurial Moral Hazard in Income Insurance
Ejrnaes, Mette; Hochguertel, Stefan - 2008
We study entrepreneurs’ behavioral responses of effort (moral hazard) to avoid business failure.This is done in the …
Persistent link: https://www.econbiz.de/10010325911
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Entrepreneurial Moral Hazard in Income Insurance : Empirical Evidence from a Large Administrative Sample
Ejrnaes, Mette - 2008
We study risk behavior of Danish self-employed entrepreneurs, whose income risk may be driven by both exogenous factors …
Persistent link: https://www.econbiz.de/10012771178
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US and European Household Debt and Credit Constraints
Crook, Jonathan; Hochguertel, 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/10010325196
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Insurance, Entrepreneurial Start-Up, and Performance
Ejrnæs, Mette; Hochguertel, Stefan - 2014
up a risky entrepreneurial venture. Using administrative data from Denmark, where unemployment insurance (UI) is … positive for would-be entrepreneurs, in contrast to correlations in the data or uninstrumented estimates. Using firm data, we … also investigate how the newly insurance-induced entrepreneurs fare relative to their uninsured peers. Results suggest that …
Persistent link: https://www.econbiz.de/10010377222
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Early Retirement Behaviour in the Netherlands: Evidence from a Policy Reform
Euwals, Rob; van Vuuren, Daniel J.; Wolthoff, Ronald P. - 2006
In the early 1990s, the Dutch social partners agreed upon transforming the generous and actuarially unfair PAYG early retirement schemes into less generous and actuarially fair capital funded schemes. The starting dates of the transitional arrangements varied by industry sector. In this study,...
Persistent link: https://www.econbiz.de/10010325586
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A Dynamic Analysis of the Demand for Health Insurance and Health Care
Bolhaar, Jonneke; Lindeboom, Maarten; van der Klaauw, Bas - 2008
We investigate the presence of moral hazard and advantageous or adverse selection in a market for supplementary health insurance. For this we specify and estimate dynamic models for health insurance decisions and health care utilization. Estimates of the health care utilization models indicate...
Persistent link: https://www.econbiz.de/10010325874
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Mapping the Minds of Retirement Planners
Hershey, Douglas A.; Henkens, Kène; van Dalen, Hendrik P. - 2006
This study explored the psychological mechanisms that underlie the retirement planning and saving tendencies of Dutch and American workers. Participants were 988 Dutch and 429 Americans, 25-64 years of age. Analyses were designed to: (a) examine the extent to which structural variables were...
Persistent link: https://www.econbiz.de/10010325344
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Mapping the Minds of Retirement Planners
Hershey, Douglas A. - 2006
This study explored the psychological mechanisms that underlie the retirement planning and saving tendencies of Dutch and American workers. Participants were 988 Dutch and 429 Americans, 25-64 years of age. Analyses were designed to: (a) examine the extent to which structural variables were...
Persistent link: https://www.econbiz.de/10012733458
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Who is at the Top? Wealth Mobility over the Life Cycle
Hochguertel, Stefan; Ohlsson, Henry - 2012
Who is wealthy? This paper presents empirical estimates of household movements into and out of the top percents of the wealth distribution over individual life cycles. There are life-cycle motives and precautionary motives for wealth accumulation. The opportunities to accumulate wealth create...
Persistent link: https://www.econbiz.de/10010326502
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Interactions Between Financial Incentives and Health in the Early Retirement Decision
Garcia-Gomez, Pilar; Galama, Titus J.; van Doorslaer, Eddy - 2017
We present a theory of the relation between health and retirement that generates testable predictions regarding the interaction of health, wealth and financial incentives in retirement decisions. The theory predicts (i) that wealthier individuals (compared to poorer individuals) are more likely...
Persistent link: https://www.econbiz.de/10011662542