Employer-Sponsored Disability Insurance: Where are the Gaps in Coverage?

Helen Levy

No 10382, NBER Working Papers from National Bureau of Economic Research, Inc

Abstract: 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.

JEL-codes: I10 J32 (search for similar items in EconPapers)
Date: 2004-03
New Economics Papers: this item is included in nep-hea
Note: EH LS PE
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Citations: View citations in EconPapers (5)

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