Disability insurance and unemployment insurance as substitute pathways

In this paper, we estimate the degree of substitution between enrolment into Disability Insurance (DI) and Unemployment Insurance (UI) in the Netherlands. Starting in the 1990s many policy measures aimed at reducing DI enrolment, and increase labour force participation. We quantify whether these policy measures have led to a reduction in hidden unemployment in DI. A side effect of the reforms may be increased pressure on UI. Therefore, we simultaneously estimate reverse substitution, that is, hidden disability in UI. To this end, we employ a sample of firms in the Dutch AVO database from the period 1993-2002. Using instrumental variables in a bivariate Tobit specification, we identify the hidden components in both respective schemes. The estimation results indicate that about 3% of all dismissals took place through DI, which implies that about one quarter of the DI enrolments observed in our sample in fact consists of hidden unemployment. We find no evidence for reverse substitution of disabled persons ending up in UI.

Towards solutions for assistive technology

Introduction What is assistive technology? The agreed World Health Organisation definition is "Assistive technology can be defined as “any piece of equipment, or product, whether it is acquired commercially, modified, or customized, that is used to increase, maintain, or improve the functional capabilities of individuals with disabilities” (WHO, 2011) The array of possible assistive technology products and solutions reflects the diversity of the needs of people with disabilities – ranging from digital technologies that can support social engagement, communication, employment, learning, memory, planning and safe guarding services through to products and devices that support mobility and personal care requirements. Typically as the complexities of assistive technology solutions increase, so do the costs and potential risks (if not appropriately set up or maintained). This document is primarily focused on the Assistive Technology solutions derived from aids and equipment. Home and vehicle modifications and prosthetics have not yet been explored in the same level of detail and will be subject of further work. Proposed approach The proposed assistive technology service approach has been developed in line with the strategic goals of the NDIA. It is one aspect of a broader strategic approach the NDIA has to using technologies to enhance its engagement and management of relationships, services and supports with suppliers, providers, participants and the Australian community. The NDIA’s goal is to use technology in its various forms to ensure that services, supports, and communications between all stakeholders are as streamlined as possible and services are timely and effective. This document outlines the elements of a proposed service delivery approach for individuals to access assistive technology solutions and is based on the three key objectives outlined above

Health-Status Insurance: How Markets Can Provide Health Security

None of us has health insurance, really. If you develop a long-term condition such as heart disease or cancer, and if you then lose your job or are divorced, you can lose your health insurance. You now have a preexisting condition, and insurance will be enormously expensive -- if it's available at all.Free markets can solve this problem, and provide life-long, portable health security, while enhancing consumer choice and competition. "Heath-status insurance" is the key. If you are diagnosed with a long-term, expensive condition, a health-status insurance policy will give you the resources to pay higher medical insurance premiums. Health-status insurance covers the risk of premium reclassification, just as medical insurance covers the risk of medical expenses. With health-status insurance, you can always obtain medical insurance, no matter how sick you get, with no change in out-of-pocket costs. With health-status insurance, medical insurers would be allowed to charge sick people more than healthy people, and to compete intensely for all customers. People would have complete freedom to change jobs, move, or change medical insurers. Rigorous competition would allow us to obtain better medical care at lower cost. Most regulations and policy proposals aimed at improving long-term insurance -- including those advanced in Barack Obama's presidential campaign -- limit competition and consumer choice by banning risk-based premiums, forcing insurers to take all comers, strengthening employer-based or other forced pooling mechanisms, or introducing national health insurance. The individual health insurance market is already moving in the direction of health-status insurance. To let health-status insurance emerge fully, we must remove the legal and regulatory pressure to provide employer-based group insurance over individual insurance and remove regulations limiting risk-based pricing and competition among health insurers

Changing the Tax Code to Create Consumer-Driven Health Insurance Competition

Because current tax laws exclude employer-paid health insurance premiums from employees’ taxable wages and income, employer-sponsored insurance remains the primary source of health insurance for most employed Americans. Economists have long blamed the employer-based insurance tax exclusion for inflating health care costs, and, more recently, for constraining income growth and exacerbating income inequality. We execute a simulation to test the effect of permitting employees to receive their employers’ premium contribution directly and then purchase health insurance themselves, using tax-free funds. Employees could deduct for income tax purposes the amount used for insurance and, if they spend less than the amount transferred, take the remainder as taxed income. Our simulation indicates that in this consumer-driven system many workers would trade some insurance dollars for higher income, even if the latter is taxed. Our alternative tax treatment causes annual after-tax household income to grow by more than $160 billion and federal tax revenues by more than$46 billion. Along the way, take-home pay inequality is reduced, and the greater take-up of slimmed down policies could lead to greater cost control. We conclude that a simple change in the tax treatment of employer-sponsored health insurance can give workers the flexibility to economize on health insurance purchases. With this flexibility, many workers will select health plans that are less expensive than those now chosen for them. This will inject much-needed price competition in health insurance markets. It will also allow workers to enjoy more take-home pay, thereby counteracting the negative and regressive effects of escalating health care inflation. These results cannot be achieved from granting tax credits for the purchase of health insurance because such credits do not permit workers to trade insurance dollars for wages

An Overview and Comparison of Aviation and Space Insurance

Commercial aviation and commercial space operations entail significant risk. The very nature of these operations means a mishap can result in significant financial losses. Insurance enables operators to reduce the magnitude of their exposure in a predictable and reliable way; and likely increases the willingness of businesses to participate in these industries. Insurance coverage also provides assurances that financial resources exist to cover any third-party liability claims resulting from accidents. For these reasons, the acquisition of insurance by industry participants can be desirable as a matter of public policy. This paper examines the availability of insurance coverage for commercial aviation and commercial space operations, including a comparison of the types of risks covered and typical policy terms. The paper additionally surveys what, if any, national laws mandate that operators acquire coverage. Research reveals that aviation insurance products remain readily available and much price competition exists. The low cost and availability of aviation insurance means air carriers are likely to obtain insurance coverage independent of explicit legislative mandates to do so. Space insurance costs, however, comprise the third largest space program cost, representing 10% of the overall cost. Spacecraft operators demonstrate a willingness to forgo insurance as a risk reduction strategy. National laws requiring insurance in the space industry are few and are primarily focused on indemnification of the state’s liabilities under international treaties

Rates of public health insurance coverage for children rise as rates of private coverage decline

This brief uses data from the 2008, 2009, and 2010 American Community Survey to document changes in rates of children’s health insurance, between private and public. The authors report that, nationally, private health insurance for children decreased by just under 2 percentage points, while public health insurance increased by nearly 3 percentage points. Rural places and central cities witnessed significant declines in rates of private health insurance for children in nearly every region. Rates of public insurance coverage rose in every region and place type. Children’s health insurance coverage overall continued to rise in 2010, increasing by 0.6 of a percentage point since 2009, and 1.9 percentage points since 2008

The Difference of Satisfaction Level in BPJS Health Insurance Patient and Non Insurance Patient Toward Health Service

National Health Insurance (JKN) developed in Indonesia is part of the National Social Insurance System (SJSN). One way to assess the services quality is to measure the patient satisfaction level. This research is a quantitative research with the cross sectional research design. The subjects of this research were the BPJS health insurance patients and non insurance patients with 200 people as the samples. The data was analyzed by the independent t-test, gap analysis, CSI (Customer satisfation index) and IPA (Importance performance analysis). The result showed that significant (ρ value >0,05) in all dimensions which mean that there is no difference of patient satisfaction level in Social Security Organizing Body (BPJS) participants and non insurance patients toward health services in Negara General Hospital. The biggest satisfaction in non insurance patients is on the Assurance variable (-1,002) and the smallest satisfaction is on the Tangibles variable (-1,357) and the biggest satisfaction of BPJS health insurance patients is on Assurance variable (-1,085) and their smallest satisfaction is on Responsiveness variable (-1,367). The non insurance patients gap is (-0,217) and the BPJS health insurance patients gap is (-1,206), both of them were classified into low satisfaction level. The result of Importance performance analysis value of non insurance patient showed Responsiveness attributes that should be prioritized and improved while in BPJS health patients showed Responsiveness and Reliability attributes that should be prioritized and improved by Negara General Hospital

Turning to Medicaid and SCHIP in an Economic Recession: Conversations With Recent Applicants and Enrollees

Based on focus group discussions, examines how the loss of jobs and employer-sponsored health insurance affects families. Explores the limitations of COBRA and private insurance and the role of Medicaid and State Children's Health Insurance Programs

Persuasive Strategies Used by Insurance Agents in Prospecting Customers Based on the Customers' Age Factor

This study aimed to find out the persuasive strategies used by X insurance agents in prospecting the customers and reveal the differences and similarities between persuasive strategies used by insurance agents in prospecting same-age customers and older customers. Through this study, the writer tried to relate the persuasive strategies used by insurance agents to the customers' age factor. The writer chose three insurance agents who worked in X Insurance company and classified the customers into two categories based on their ages; firstly, customers who are in the same-age group as the agents; secondly, customers who are in different-age (older) group from the agents. In the findings, it turned out that in prospecting both customers' categories, the insurance agents used both persuasive strategies proposed by Beebe & Beebe (2012); however some methods of persuasion strategies were not used at all. This study concluded that the age of the customers does not really affect the way insurance agents prospect their customers