Replication data for: Moral Hazard and Claims Deterrence in Private Disability Insurance
Principal Investigator(s): View help for Principal Investigator(s) David Autor; Mark Duggan; Jonathan Gruber
Version: View help for Version V1
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ADG-PDI-Final-AEJ-Program-Archive | 10/12/2019 05:34:PM | ||
LICENSE.txt | text/plain | 14.6 KB | 10/12/2019 01:34:PM |
Project Citation:
Autor, David, Duggan, Mark, and Gruber, Jonathan. Replication data for: Moral Hazard and Claims Deterrence in Private Disability Insurance. Nashville, TN: American Economic Association [publisher], 2014. Ann Arbor, MI: Inter-university Consortium for Political and Social Research [distributor], 2019-10-12. https://doi.org/10.3886/E113903V1
Project Description
Summary:
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Exploiting within-firm, over-time variation in plan parameters for nearly 10,000 Long Term Disability (LTD) policies held by US employers, we present the first empirical analysis of the determinants of private LTD spells. We find that a shorter waiting period and a higher replacement rate increase the incidence of LTD spells. Sixty percent of the latter effect is due to the mechanical censoring of shorter spells, with the remainder due to the deterrence of spells
that would have continued beyond the waiting period. Deterrence is
driven primarily by a reduction in the incidence of shorter duration
spells and less severe disabilities.
Scope of Project
JEL Classification:
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D82 Asymmetric and Private Information; Mechanism Design
G22 Insurance; Insurance Companies; Actuarial Studies
J28 Safety; Job Satisfaction; Related Public Policy
J32 Nonwage Labor Costs and Benefits; Retirement Plans; Private Pensions
D82 Asymmetric and Private Information; Mechanism Design
G22 Insurance; Insurance Companies; Actuarial Studies
J28 Safety; Job Satisfaction; Related Public Policy
J32 Nonwage Labor Costs and Benefits; Retirement Plans; Private Pensions
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