This report examines the consequences of a disabling workplace injury for workers at 68 private self-insured employers in California from 1991-5. Using employer-provided data, it estimates the earnings losses associated with a disability and the post-injury employment patterns of claimants

This paper provides a life-cycle framework for weighing up the insurance value of disability benefi ts against the incentive cost. Within this framework, we estimate the life-cycle risks that individuals face in the US, as well as the parameters governing the disability insurance program, using...