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dc.contributor.authorLow, Hamishen
dc.contributor.authorPistaferri, Luigien
dc.date.accessioned2010-05-18-
dc.date.accessioned2011-07-04T09:19:34Z-
dc.date.available2011-07-04T09:19:34Z-
dc.date.issued2010-
dc.identifier.urihttp://hdl.handle.net/10419/47502-
dc.description.abstractThis 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 indirect inference and longitudinal data on consumption, disability status, disability insurance receipt, and wages. We use our estimates to characterize the effectiveness of the disability insurance program and to consider the e ffect on welfare and behaviour of policy reform. High levels of false rejections associated with the screening process imply welfare increases as the program becomes less strict, despite the worsening incentives that this implies. Incentives for false applications are reduced by reducing generosity and increasing reassessments and these improve welfare, despite the worse insurance implied.en
dc.language.isoengen
dc.publisher|aInstitute for Fiscal Studies (IFS) |cLondonen
dc.relation.ispartofseries|aIFS Working Papers |x10,11en
dc.subject.jelD91en
dc.subject.jelH53en
dc.subject.jelH55en
dc.subject.jelJ26en
dc.subject.ddc330en
dc.subject.keywordDisabilityen
dc.subject.keywordsocial securityen
dc.subject.keywordsavings behavioren
dc.subject.keywordwage risken
dc.subject.stwErwerbsunfähigkeiten
dc.subject.stwRisikoen
dc.subject.stwUnfallversicherungen
dc.subject.stwErwerbsunfähigkeitsrenteen
dc.subject.stwLebenszyklusen
dc.subject.stwWohlfahrtseffekten
dc.titleDisability risk, disability insurance and life cycle behavior-
dc.typeWorking Paperen
dc.identifier.ppn626248914en
dc.rightshttp://www.econstor.eu/dspace/Nutzungsbedingungenen

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