@techreport{NBERw10382,
 title = "Employer-Sponsored Disability Insurance: Where are the Gaps in Coverage?",
 author = "Helen Levy",
 institution = "National Bureau of Economic Research",
 type = "Working Paper",
 series = "Working Paper Series",
 number = "10382",
 year = "2004",
 month = "March",
 URL = "http://www.nber.org/papers/w10382",
}