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Disability Insurance: Error Rates and Gender Differences

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  • Hamish Low
  • Luigi Pistaferri

Abstract

We show the extent of screening errors made in disability insurance awards using matched survey-administrative data. False rejections are widespread, with large gender differences. Work-disabled women are 12.8 percentage points more likely to be rejected than work-disabled men, controlling for health conditions, occupation, and demographics. Gender differences arise because women are assessed with more residual work capacity. We model the Social Security Administration (SSA) decision-making process and estimate that gender differences in screening errors originate from lower costs to the SSA from incorrectly rejecting women. Noise in self-reported work limitation leads to overstating screening errors, but the gender difference remains.

Suggested Citation

  • Hamish Low & Luigi Pistaferri, 2025. "Disability Insurance: Error Rates and Gender Differences," Journal of Political Economy, University of Chicago Press, vol. 133(9), pages 2962-3018.
  • Handle: RePEc:ucp:jpolec:doi:10.1086/736207
    DOI: 10.1086/736207
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