Disability risk, disability insurance and life cycle behaviour

Disability Risk, Disability Insurance and Life Cycle Behavior

We provide a framework for understanding how disability risk and features of the disability insurance program in the US affect individual consumption and labor supply behavior in an explicit life-cycle setting. We decompose earnings risk into disability shocks (that reduce the ability to work) and shocks to general productivity. We identify structural parameters of the model using indirect infe...

Disability Insurance and the Dynamics of the Incentive Insurance Trade-Off.

We provide a life-cycle framework for comparing insurance and disincentive effects of disability benefits. The risks that individuals face and the parameters of the Disability Insurance (DI ) program are estimated from consumption, health, disability insurance, and wage data. We characterize the effects of disability insurance and study how policy reforms impact behavior and welfare. DI feature...

Improved Risk Stratification for Life and Disability Insurance Pulse Wave Velocity: An independent predictor of cardiovascular death and disability

Disability insurance: can underwriting criteria for the self-employed be based on predictors used for disability amongst employees?

OBJECTIVE This study aims to trace risk factors for disability amongst the self-employed. Knowledge about these risk factors can contribute to more evidence-based underwriting criteria for disability insurance. BACKGROUND The trend towards privatization of social disability services in certain insurance markets creates a need to consider the appropriateness of underwriting criteria in applica...

A theoretical framework to describe communication processes during medical disability assessment interviews

BACKGROUND Research in different fields of medicine suggests that communication is important in physician-patient encounters and influences satisfaction with these encounters. It is argued that this also applies to the non-curative tasks that physicians perform, such as sickness certification and medical disability assessments. However, there is no conceptualised theoretical framework that can ...