Employer-Sponsored Disability Insurance: Where are the Gaps in Coverage?
I use data from the Current Population Surveys and Employee Benefits Surveys to analyze employer-sponsored disability insurance coverage. There does not appear to be a systematic trend from 1980 to 2000 in the fraction of workers with coverage. Disability insurance coverage rates are lower than health insurance coverage rates; low-skill, low-wage, low-tenure, part-time and small establishment workers are all less likely to have either of these fringe benefits. Public policy debates about workers without health insurance fail to consider an important economic risk these workers face in the event of an illness or injury: the risk of lost wages.
|Date of creation:||Mar 2004|
|Date of revision:|
|Note:||HC LS PE|
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- Thomas C. Buchmueller & John DiNardo, 2001.
"Union Effects on Health Insurance Provision and Coverage in the United States,"
NBER Working Papers
8238, National Bureau of Economic Research, Inc.
- Thomas C. Buchmueller & John Dinardo & Robert G. Valletta, 2002. "Union Effects on Health Insurance Provision and Coverage in the United States," ILR Review, Cornell University, ILR School, vol. 55(4), pages 610-627, July.
- Thomas C. Buchmueller & John DiNardo & Robert G. Valletta, 2000. "Union effects on health insurance provision and coverage in the United States," Working Paper Series 2000-04, Federal Reserve Bank of San Francisco.
- Christopher J. Ruhm, 1997. "Policy Watch: The Family and Medical Leave Act," Journal of Economic Perspectives, American Economic Association, vol. 11(3), pages 175-186, Summer.
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