Unequal use of social insurance benefits: the role of employers

Sarah Bana, Kelly Bedard, Maya Rossin-Slater and Jenna Stearns

LSE Research Online Documents on Economics from London School of Economics and Political Science, LSE Library

Abstract: Disability Insurance (DI) and Paid Family Leave (PFL) programs are important sources of social insurance, but there is considerable inequality in benefit take-up, and little is known about the role of firms in determining benefit use. Using administrative data from California, we find that firms that pay higher earnings premiums also have substantially higher public DI and PFL take-up rates, and that this relationship is particularly strong among the lowest-earning workers within the firm. Our results suggest that changes in firm behavior may impact social insurance use, thus reducing an important dimension of inequality in America.

Keywords: disability insurance; firm premium; paid family Leave; social insurance (search for similar items in EconPapers)
JEL-codes: J31 J32 J38 (search for similar items in EconPapers)
Pages: 28 pages
Date: 2023-04-01
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Published in Journal of Econometrics, 1, April, 2023, 233(2), pp. 633-660. ISSN: 0304-4076

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