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

32 Pages Posted: 1 Apr 2004 Last revised: 14 Nov 2022

See all articles by Helen Levy

Helen Levy

University of Michigan at Ann Arbor - Institute for Social Research (ISR); National Bureau of Economic Research (NBER)

Date Written: March 2004

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.

Suggested Citation

Levy, Helen, Employer-Sponsored Disability Insurance: Where are the Gaps in Coverage? (March 2004). NBER Working Paper No. w10382, Available at SSRN: https://ssrn.com/abstract=524122

Helen Levy (Contact Author)

University of Michigan at Ann Arbor - Institute for Social Research (ISR) ( email )

Ann Arbor, MI 48106-1248
United States

National Bureau of Economic Research (NBER)

1050 Massachusetts Avenue
Cambridge, MA 02138
United States

Do you have negative results from your research you’d like to share?

Paper statistics

Downloads
47
Abstract Views
1,351
PlumX Metrics