We investigate the determinants of firms' implicit insurance to employees, using a difference-indifference approach: we … rely on differences between family and non-family firms to identify the supply of insurance, and exploit variation in … unemployment insurance across and within countries to gauge workers' demand for insurance. Using a firm-level panel from 41 …

normality. For the bottom earners, large income changes are driven equally by hours and wages which is consistent with …, there is no evidence of an added-worker effect but government insurance and income pooling can mitigate the pass-through of …

We investigate the determinants of firms' implicit insurance to employees, using a difference-indifference approach: we … rely on differences between family and non-family firms to identify the supply of insurance, and exploit variation in … unemployment insurance across and within countries to gauge workers' demand for insurance. Using a firm-level panel from 41 …

normality. For the bottom earners, large income changes are driven equally by hours and wages which is consistent with …, there is no evidence of an added-worker effect but government insurance and income pooling can mitigate the pass-through of …

invests in health capital, the level of investment is higher and wages are less volatile. In my model, firms invest more than … workers consume more health care than is efficient ex post when firms provide health insurance. Unlike the benchmark model of …

We investigate the determinants of firms’ implicit employment and wage insurance to employees against industry …-level and idiosyncratic shocks. We rely on differences between family and non-family firms to identify the supply of insurance …, and between national public insurance programs to gauge workers’ demand for insurance. Using firm-level data from 41 …

-to-diagnose injuries. Moreover, substitution between WC and other insurance programs may be observed. The decision of reporting a workplace … accident may also be affected by the generosity of WC benefits. 2) WC may induce changes in occupational wages rates and 3) WC … show that increases in WC insurance are associated with an increase in the frequency of injuries (elasticities ranging from …

-to-diagnose injuries. Moreover, substitution between WC and other insurance programs may be observed. The decision of reporting a workplace … accident may also be affected by the generosity of WC benefits. 2) WC may induce changes in occupational wages rates and 3) WC … show that increases in WC insurance are associated with an increase in the frequency of injuries (elasticities ranging from …