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Adverse Selection In Disability Insurance
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Book Synopsis Adverse Selection in Disability Insurance by : Anja Deelen
Download or read book Adverse Selection in Disability Insurance written by Anja Deelen and published by . This book was released on 2005* with total page 50 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Disability Income Insurance by : Gary V. Powell
Download or read book Disability Income Insurance written by Gary V. Powell and published by . This book was released on 2002 with total page 236 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Temporary Disability Insurance-problems in Formulating a Program Administered by a State Employment Security Agency by : United States. Bureau of Employment Security
Download or read book Temporary Disability Insurance-problems in Formulating a Program Administered by a State Employment Security Agency written by United States. Bureau of Employment Security and published by . This book was released on 1953 with total page 94 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Temporary Disability Insurance Problems in Formulating a Program Administered by a State Employment Security Agency by :
Download or read book Temporary Disability Insurance Problems in Formulating a Program Administered by a State Employment Security Agency written by and published by . This book was released on 1953 with total page 86 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Impact of a State Disability Act on Insurance Companies by : John S. Bickley
Download or read book The Impact of a State Disability Act on Insurance Companies written by John S. Bickley and published by . This book was released on 1954 with total page 58 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Cash Benefits Under Voluntary Disability Insurance in the United States by : Elizabeth Lewis Otey
Download or read book Cash Benefits Under Voluntary Disability Insurance in the United States written by Elizabeth Lewis Otey and published by . This book was released on 1941 with total page 128 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Adverse Selection in Health Insurance by : David M. Cutler
Download or read book Adverse Selection in Health Insurance written by David M. Cutler and published by . This book was released on 1997 with total page 58 pages. Available in PDF, EPUB and Kindle. Book excerpt: Individual choice over health insurance policies may result in risk-based sorting across plans. Such adverse selection induces three types of losses: efficiency losses from individuals being allocated to the wrong plans; risk sharing losses since premium variability is increased; and losses from insurers distorting their policies to improve their mix of insureds. We discuss the potential for these losses, and present empirical evidence on adverse selection in two groups of employees: Harvard University, and the Group Insurance Commission of Massachusetts (serving state and local employees). In both groups, adverse selection is a significant concern. At Harvard, the University's decision to contribute an equal amount to all insurance plans led to the disappearance of the most generous policy within 3 years. At the GIC, adverse selection has been contained by subsidizing premiums on a proportional basis and managing the most generous policy very tightly. A combination of prospective or retrospective risk adjustment, coupled with reinsurance for high cost cases, seems promising as a way to provide appropriate incentives for enrollees and to reduce losses from adverse selection.
Book Synopsis Employment and Health Benefits by : Institute of Medicine
Download or read book Employment and Health Benefits written by Institute of Medicine and published by National Academies Press. This book was released on 1993-02-01 with total page 381 pages. Available in PDF, EPUB and Kindle. Book excerpt: The United States is unique among economically advanced nations in its reliance on employers to provide health benefits voluntarily for workers and their families. Although it is well known that this system fails to reach millions of these individuals as well as others who have no connection to the work place, the system has other weaknesses. It also has many advantages. Because most proposals for health care reform assume some continued role for employers, this book makes an important contribution by describing the strength and limitations of the current system of employment-based health benefits. It provides the data and analysis needed to understand the historical, social, and economic dynamics that have shaped present-day arrangements and outlines what might be done to overcome some of the access, value, and equity problems associated with current employer, insurer, and government policies and practices. Health insurance terminology is often perplexing, and this volume defines essential concepts clearly and carefully. Using an array of primary sources, it provides a store of information on who is covered for what services at what costs, on how programs vary by employer size and industry, and on what governments doâ€"and do not doâ€"to oversee employment-based health programs. A case study adapted from real organizations' experiences illustrates some of the practical challenges in designing, managing, and revising benefit programs. The sometimes unintended and unwanted consequences of employer practices for workers and health care providers are explored. Understanding the concepts of risk, biased risk selection, and risk segmentation is fundamental to sound health care reform. This volume thoroughly examines these key concepts and how they complicate efforts to achieve efficiency and equity in health coverage and health care. With health care reform at the forefront of public attention, this volume will be important to policymakers and regulators, employee benefit managers and other executives, trade associations, and decisionmakers in the health insurance industry, as well as analysts, researchers, and students of health policy.
Book Synopsis Care Without Coverage by : Institute of Medicine
Download or read book Care Without Coverage written by Institute of Medicine and published by National Academies Press. This book was released on 2002-06-20 with total page 213 pages. Available in PDF, EPUB and Kindle. Book excerpt: Many Americans believe that people who lack health insurance somehow get the care they really need. Care Without Coverage examines the real consequences for adults who lack health insurance. The study presents findings in the areas of prevention and screening, cancer, chronic illness, hospital-based care, and general health status. The committee looked at the consequences of being uninsured for people suffering from cancer, diabetes, HIV infection and AIDS, heart and kidney disease, mental illness, traumatic injuries, and heart attacks. It focused on the roughly 30 million-one in seven-working-age Americans without health insurance. This group does not include the population over 65 that is covered by Medicare or the nearly 10 million children who are uninsured in this country. The main findings of the report are that working-age Americans without health insurance are more likely to receive too little medical care and receive it too late; be sicker and die sooner; and receive poorer care when they are in the hospital, even for acute situations like a motor vehicle crash.
Download or read book Loss Coverage written by Guy Thomas and published by Cambridge University Press. This book was released on 2017-05-11 with total page 285 pages. Available in PDF, EPUB and Kindle. Book excerpt: A novel book that argues that, contrary to received wisdom, some adverse selection in insurance markets is beneficial to society as a whole. It is for all those interested in public policy arguments about insurance and discrimination: policymakers, academics, actuaries, underwriters, disability activists, geneticists and other medical professionals.
Author :United States. Social Security Administration. Division of Research and Statistics Publisher : ISBN 13 : Total Pages :80 pages Book Rating :4.:/5 (319 download)
Book Synopsis Temporary Disability Insurance; Problems in Formulating a Program Administered by a State Employment Security Agency. Rev. Ed. 1949. [Prepared by the Division of Research and Statistics and the Bureau of Employment Security of the Social Security Administration]. by : United States. Social Security Administration. Division of Research and Statistics
Download or read book Temporary Disability Insurance; Problems in Formulating a Program Administered by a State Employment Security Agency. Rev. Ed. 1949. [Prepared by the Division of Research and Statistics and the Bureau of Employment Security of the Social Security Administration]. written by United States. Social Security Administration. Division of Research and Statistics and published by . This book was released on 1949 with total page 80 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :New York (State). Department of Labor. Division of Research and Statistics Publisher : ISBN 13 : Total Pages :182 pages Book Rating :4.:/5 (89 download)
Book Synopsis Studies in Disability Insurance by : New York (State). Department of Labor. Division of Research and Statistics
Download or read book Studies in Disability Insurance written by New York (State). Department of Labor. Division of Research and Statistics and published by . This book was released on 1949 with total page 182 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :National Academies of Sciences, Engineering, and Medicine Publisher :National Academies Press ISBN 13 :030946921X Total Pages :161 pages Book Rating :4.3/5 (94 download)
Book Synopsis Health-Care Utilization as a Proxy in Disability Determination by : National Academies of Sciences, Engineering, and Medicine
Download or read book Health-Care Utilization as a Proxy in Disability Determination written by National Academies of Sciences, Engineering, and Medicine and published by National Academies Press. This book was released on 2018-04-02 with total page 161 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Social Security Administration (SSA) administers two programs that provide benefits based on disability: the Social Security Disability Insurance (SSDI) program and the Supplemental Security Income (SSI) program. This report analyzes health care utilizations as they relate to impairment severity and SSA's definition of disability. Health Care Utilization as a Proxy in Disability Determination identifies types of utilizations that might be good proxies for "listing-level" severity; that is, what represents an impairment, or combination of impairments, that are severe enough to prevent a person from doing any gainful activity, regardless of age, education, or work experience.
Author :United States. Social Security Administration. Bureau of Research and Statistics Publisher : ISBN 13 : Total Pages :40 pages Book Rating :4.3/5 ( download)
Book Synopsis Temporary Disability Insurance Coordinated with Unemployment Insurance by : United States. Social Security Administration. Bureau of Research and Statistics
Download or read book Temporary Disability Insurance Coordinated with Unemployment Insurance written by United States. Social Security Administration. Bureau of Research and Statistics and published by . This book was released on 1947 with total page 40 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author :Samuel A. Rea Publisher :Published for the Ontario Economic Council by University of Toronto Press ISBN 13 : Total Pages :156 pages Book Rating :4.F/5 ( download)
Book Synopsis Disability Insurance and Public Policy by : Samuel A. Rea
Download or read book Disability Insurance and Public Policy written by Samuel A. Rea and published by Published for the Ontario Economic Council by University of Toronto Press. This book was released on 1981 with total page 156 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Future of Disability in America by : Institute of Medicine
Download or read book The Future of Disability in America written by Institute of Medicine and published by National Academies Press. This book was released on 2007-10-24 with total page 619 pages. Available in PDF, EPUB and Kindle. Book excerpt: The future of disability in America will depend on how well the U.S. prepares for and manages the demographic, fiscal, and technological developments that will unfold during the next two to three decades. Building upon two prior studies from the Institute of Medicine (the 1991 Institute of Medicine's report Disability in America and the 1997 report Enabling America), The Future of Disability in America examines both progress and concerns about continuing barriers that limit the independence, productivity, and participation in community life of people with disabilities. This book offers a comprehensive look at a wide range of issues, including the prevalence of disability across the lifespan; disability trends the role of assistive technology; barriers posed by health care and other facilities with inaccessible buildings, equipment, and information formats; the needs of young people moving from pediatric to adult health care and of adults experiencing premature aging and secondary health problems; selected issues in health care financing (e.g., risk adjusting payments to health plans, coverage of assistive technology); and the organizing and financing of disability-related research. The Future of Disability in America is an assessment of both principles and scientific evidence for disability policies and services. This book's recommendations propose steps to eliminate barriers and strengthen the evidence base for future public and private actions to reduce the impact of disability on individuals, families, and society.
Book Synopsis Disability Insurance in California by : Nathan Sinai
Download or read book Disability Insurance in California written by Nathan Sinai and published by . This book was released on 1965 with total page 1074 pages. Available in PDF, EPUB and Kindle. Book excerpt: