Various tax policies provide consumers with forms of insurance. Social security has the payoff characteristics of an … annuity. The income tax provides consumers with a degree of Income insurance because the government shares part of the … effects of these and other tax policies are shown to depend crucially on the nature of existing private insurance arrangements …

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 …

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 …

declining health insurance coverage. In this paper we examine the long term effects of the only employer health insurance … Hawaii and other states increased, as did real health insurance costs, implying a rising burden of the mandate on Hawaii … voluntary market (primarily those with lower skills). We also find that relative wages fell in Hawaii over time, but the …

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 …

In This Paper, We Present a Critical Review of the Main Characteristics of the Automobile Insurance Regime in Quebec …, Emphasizing Both the Compensation and the Pricing of Insurance. Moreover, We Present a Recommendation in Order to Improve the …

-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 …