TY  - JOUR
AU  - Levy,Helen
TI  - Employer-Sponsored Disability Insurance: Where are the Gaps in Coverage?
JF  - National Bureau of Economic Research Working Paper Series
VL  - No. 10382
PY  - 2004
Y2  - March 2004
UR  - http://www.nber.org/papers/w10382
L1  - http://www.nber.org/papers/w10382.pdf
N1  - Author contact info:
Helen G. Levy
University of Michigan
Institute for Social Research - Rm. 3009
426 Thompson St.
Ann Arbor, MI 48104 - 1248
Tel: 734/936 4506
Fax: 734/647 1186
E-Mail: hlevy@umich.edu
AB  - 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.
ER  -