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来源类型Working Paper
规范类型报告
DOI10.3386/w28852
来源IDWorking Paper 28852
Beyond Health: Non-Health Risk and the Value of Disability Insurance
Manasi Deshpande; Lee Lockwood
发表日期2021-05-31
出版年2021
语种英语
摘要The public debate over disability insurance has centered on concerns about individuals without severe health conditions receiving benefits. We go beyond health risk alone to quantify the overall insurance value of U.S. disability programs, including value from insuring non-health risk. We find that disability recipients, especially those with less-severe health conditions, are much more likely to have experienced a wide variety of non-health shocks than non-recipients. Selection into disability receipt on the basis of non-health shocks is so strong among individuals with less-severe health conditions that by many measures less-severe recipients are worse off than more-severe recipients. As a result, under baseline assumptions, benefits to less-severe recipients have an annual surplus value (insurance benefit less efficiency cost) over cost-equivalent tax cuts of $7,700 per recipient, about three-fourths that of benefits to more-severe recipients ($9,900). Insurance against non-health risk accounts for about one-half of the value of U.S. disability programs.
主题Public Economics ; National Fiscal Issues ; Health, Education, and Welfare ; Poverty and Wellbeing
URLhttps://www.nber.org/papers/w28852
来源智库National Bureau of Economic Research (United States)
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资源类型智库出版物
条目标识符http://119.78.100.153/handle/2XGU8XDN/586526
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Manasi Deshpande,Lee Lockwood. Beyond Health: Non-Health Risk and the Value of Disability Insurance. 2021.
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