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- Social Security Reform: The Importance of Disability Insurance and Annuities in Individual Accounts
- The current debate on reforming Social Security is focused almost exclusively on retiree benefits, and elected officials have generally said that disability benefits would be ôpreservedö or ôprotectedö under any reform plan that addresses the Social Security programÆs looming financial shortfall. However, in many cases when the Social Security Administration...
- White papers 2005-07-01
- 7 Insurance Myths That Can Cost You
- Think you?re covered? Maybe not. Read these insurance misconceptions and be sure you have the right protection. 1. My Job’s Disability Insurance Will Cover Me You may believe that after an accident or illness your lost income will be covered through...
- Articles 2009-09-30
- Disability Risk and the Value of Disability Insurance
- The paper estimates consumers' valuation of disability insurance using a stochastic lifecycle framework in which disability is modeled as permanent, involuntary retirement. It bases the probabilities of work limiting disability on 25 years of data from the Current Population Survey and examines the changes in the disability gradient for different...
- White papers 2005-09-01
- Disability Insurance: SSA Should Strengthen Its Efforts to Detect and Prevent Overpayments
- The Social Security Administration's SSA Disability Insurance DI program is one of the nation's largest cash assistance programs for disabled workers. In fiscal year 2003, the DI program provided about $70 billion in financial assistance to approximately 7.5 million disabled workers, their spouses, and dependent children. This program has grown...
- White papers 2004-09-01
- Designing Optimal Disability Insurance: A Case for Asset Testing
- The paper analyzes an implementation of an optimal disability insurance system as a competitive equilibrium with taxes. The paper shows that an asset-tested disability system in which a disability transfer is paid only if an agent has assets below specified maximum implements the optimum. The logic behind the result is...
- White papers 2004-09-01
- Health Insurance Coverage and the Disability Insurance Application Decision
- This paper investigates the effect of health insurance coverage on the decision of individuals to apply for Disability Insurance DI. Those who qualify for DI receive public insurance under Medicare, but only after a two-year waiting period. This raises concerns that many disabled are going uninsured while they wait for...
- White papers 2002-09-01
- Health, Disability Insurance and Labor Force Participation
- Over half a million men of working age left the labor market over the course of the 1990s. In this paper this remarkable decline is explored, and the roles played by the interaction of skills, long-term sickness and the disability benefit system are highlighted. The analysis shows that the decline...
- White papers 2004-08-10
- How Disability Insurance Can Protect Business Interests
- From the executive summary: ‘Owning a successful business requires a combination of careful nurturing and foresight. In today's competitive marketplace, it is particularly important for business owners to insure their most valuable assets-from equipment and materials to employees and revenue stream. Success relies on an investment in these elements, which...
- White papers 2002-09-01
- The Disability Dilemma
- Companies are cutting back on disability insurance, just as the country is seeing a surprising jump in long-term illnesses and injuries. This paper overviews to protect oneself against this hidden threat to one's financial security. While the erosion of health benefits in the workplace has commanded attention for years, disability...
- White papers 2005-07-01
- UnumProvident Champions Innovative Solutions for Supplemental Disability Insurance Benefits
- Key trends have moved supplemental disability insurance to the forefront of the employee benefits package. Employee-pay-all plans help manage the conflicting corporate challenge of pursuing cost-containment strategies and granting employees access to adequate coverage, as well as help fill gaps in core benefit offerings. They also enable employee populations to...
- White papers 2005-10-11
- Group Disability Supplemental Insurance Plans for Income Protection
- Group disability insurance can be a great start to protecting your income. But it's just a start. Affordable supplemental insurance can plug the holes in a group policy to ensure you're assets are properly protected. Much has been said about the inadequacy of group disability insurance plans offered by employers....
- White papers 2008-09-16
- Disability Insurance Calculator
- This disability insurance calculator can help you to estimate how much disability insurance you might actually need. By examining your present income sources, as well as any potential disability income sources, the calculator can provide you with an approximation of any possible disability insurance gap.
- Tools & templates 2008-01-01
- Disability Insurance
- One of the most common causes of income loss is through a disability. While most disabilities cause only temporary loss of income, any income loss can be devastating if you are not financially prepared. This tool helps you determine how much disability insurance you may need to cover expenses during...
- Tools & templates 2008-01-01
- Insurance: How Much Disability Insurance Do You Need?
- How much disability insurance do you need? This financial tool will help to get answer to this question.
- Tools & templates 2008-01-01
- Employment Taxes?: What
- Social security and Medicare taxes pay for benefits that workers and families receive under the Federal Insurance Contributions Act FICA. Social security tax pays for benefits for the retired, survivors, and disability insurance distribution provisions of FICA. Medicare tax pays for benefits under the medical care provisions of FICA. As...
- White papers
- Screening Disability Insurance Applications
- This paper investigates the effects of intensified screening of disability insurance benefit applications. A large-scale experiment was setup where in 2 of the 26 Dutch regions case workers of the disability insurance administration were instructed to screen applications more intense. The empirical results show that intense screening reduces long-term sickness...
- White papers 2006-02-01
- The Story Behind the Statistics
- Disability Insurance DI insurance is tremendously undersold. The product is unique and universally beneficial to those in the work force. The more a person earns, the more he has at stake. Insurance professionals should sell DI with conviction. Selling with conviction means selling with an unshakable belief in what one...
- White papers 2004-09-01
- How Progressive Is Social Security When Old Age and Disability Insurance Are Treated as a Whole?
- For various reasons - including differences in life expectancy among groups and a benefit formula that progressively relates benefits to past earnings - Social Security can be said to "redistribute" lifetime income among different groups in the population. This paper builds on the discussion of progressivity in Straight Talk 37,...
- White papers 2004-05-01
- The Welfare Implications of Increasing Disability Insurance Benefit Generosity
- Disability status is increasingly used as a means for targeting resources in the United States. In 1999, 5.6 million disabled individuals and 1.6 million spouses and dependent children received a total of $4.2 billion in Disability Insurance DI benefits, representing over one-eighth of the Social Security budget for benefit payments....
- White papers 2002-09-01
- Employee Benefits-Insurance
- Group health, dental, life and disability insurance coverage are available to employees working twenty (20) hours per week for more than five (5) consecutive months. Premiums and coverage information are described in detail in the Employee Benefits Handbook available in Human Resource Services HRS. Any questions should be directed to...
- White papers 1995-07-01
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