Work Disability, Health, and Incentive Effects

Börsch-Supan, Axel

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URL:	https://ub-madoc.bib.uni-mannheim.de/1550
URN:	urn:nbn:de:bsz:180-madoc-15506
Document Type:	Working paper
Year of publication:	2007
The title of a journal, publication series:	MEA Discussion Papers
Volume:	135
Place of publication:	Mannheim
Publication language:	English
Institution:	School of Law and Economics > Sonstige - Fakultät für Rechtswissenschaft und Volkswirtschaftslehre
MADOC publication series:	Veröffentlichungen des MEA (Mannheim Research Institute For the Economics of Aging) > MEA Discussion Papers
Subject:	300 Social sciences, sociology, anthropology
Subject headings (SWD):	Berufsunfähigkeitsversicherung , Internationaler Vergleich , SHARE <Projekt> , Versicherungsnehmer
Keywords (English):	Disability insurance , enrolment rates , Europe , U.S.
Abstract:	Disability insurance – the insurance against the loss of the ability to work – is a substantial part of social security expenditures in many countries. The enrolment rates in disability insurance vary strikingly across European countries and the US. This paper investigates the extent of, and the causes for, this variation, using data from SHARE, ELSA and HRS. We show that even after controlling for differences in the demographic structure and health status these differences remain. In turn, indicators of disability insurance generosity explain 75% of the cross-national variation. We conclude that country-specific disability insurance rules are a prime candidate to explain the observed cross-country variation in disability insurance enrolment.