Download or read book Moral Hazard in Health Insurance written by Amy Finkelstein and published by Columbia University Press. This book was released on 2014-12-02 with total page 161 pages. Available in PDF, EPUB and Kindle. Book excerpt: Addressing the challenge of covering heath care expenses—while minimizing economic risks. Moral hazard—the tendency to change behavior when the cost of that behavior will be borne by others—is a particularly tricky question when considering health care. Kenneth J. Arrow’s seminal 1963 paper on this topic (included in this volume) was one of the first to explore the implication of moral hazard for health care, and Amy Finkelstein—recognized as one of the world’s foremost experts on the topic—here examines this issue in the context of contemporary American health care policy. Drawing on research from both the original RAND Health Insurance Experiment and her own research, including a 2008 Health Insurance Experiment in Oregon, Finkelstein presents compelling evidence that health insurance does indeed affect medical spending and encourages policy solutions that acknowledge and account for this. The volume also features commentaries and insights from other renowned economists, including an introduction by Joseph P. Newhouse that provides context for the discussion, a commentary from Jonathan Gruber that considers provider-side moral hazard, and reflections from Joseph E. Stiglitz and Kenneth J. Arrow. “Reads like a fireside chat among a group of distinguished, articulate health economists.” —Choice

Download or read book A Prelude to the Welfare State written by Price V. Fishback and published by University of Chicago Press. This book was released on 2000 with total page 348 pages. Available in PDF, EPUB and Kindle. Book excerpt: Workers' compensation was arguably the first widespread social insurance program in the United States--before social security, Medicare, or unemployment insurance--and the most successful form of labor legislation to emerge from the early progressive movement. In A Prelude to the Welfare State, Price V. Fishback and Shawn Everett Kantor challenge widespread historical perceptions by arguing that workers' compensation, rather than being an early progressive victory, succeeded because all relevant parties--labor and management, insurance companies, lawyers, and legislators--benefited from the ruling.

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 Governing Risks written by Pat O'Malley and published by Routledge. This book was released on 2021-12-24 with total page 615 pages. Available in PDF, EPUB and Kindle. Book excerpt: Contemporary law and government are increasingly characterized by a focus on risk. Fields such as health, psychiatry, criminal justice, vehicle safety, urban design and environmental governance all provide examples of settings in which problems are dealt with as risks. While risk has become more prominent, there have also been changes in the nature of risk techniques deployed. Whereas welfare states provided many services through socialized risk - such as social insurances covering health, employment and old age - increasing emphasis is now placed on individual risk management arrangements such as private insurance. In this environment, the positive side of risk has also been made more salient. Enterprise, innovation and risk-taking have become qualities valued, or even required, of current governance. In this volume, the most influential examinations and interpretations of this major trend have been brought together, in order to make clear the range and diversity, the spread and penetration of risk in contemporary societies.

Download or read book New Approaches to Disability in the Workplace written by Terry Thomason and published by Cornell University Press. This book was released on 1998 with total page 348 pages. Available in PDF, EPUB and Kindle. Book excerpt: This volume examines questions related to the prevention, compensation, and accommodation of work disabilities. It focuses on disabilities arising out of workplace activity.

Download or read book Economic Aspects of Disability Behavior written by P.R. de Jong and published by Elsevier. This book was released on 2016-01-21 with total page 395 pages. Available in PDF, EPUB and Kindle. Book excerpt: One of the more striking aspects of the Dutch Welfare State is its apparent difficulty in controlling the number of transfer recipients. A prime example of this management problem is the Disability Insurance program. This monograph presents a thorough investigation of the behavioral responses of employees and firms to this generous disability scheme. The heart of the study is the empirical part based on a rich data set of persons who apply for benefits and those who do not. The data derive both from self-reports as well as medical and vocational expert evaluations. Combining facets of health economics, medical sociology and econometric technique, the authors are able to reveal the intricate causalities that underlie the disability process.

Download or read book Embracing Risk written by Tom Baker and published by University of Chicago Press. This book was released on 2010-02-15 with total page 330 pages. Available in PDF, EPUB and Kindle. Book excerpt: For much of the twentieth century, industrialized nations addressed social problems, such as workers' compensation benefits and social welfare programs, in terms of spreading risk. But in recent years a new approach has emerged: using risk both as a way to conceive of and address social problems and as an incentive to reduce individual claims on collective resources. Embracing Risk explores this new approach from a variety of perspectives. The first part of the book focuses on the interplay between risk and insurance in various historical and social contexts. The second part examines how risk is used to govern fields outside the realm of insurance, from extreme sports to policing, mental health institutions, and international law. Offering an original approach to risk, insurance, and responsibility, the provocative and wide-ranging essays in Embracing Risk demonstrate that risk has moved well beyond its origins in the insurance trade to become a central organizing principle of social and cultural life.

Download or read book Insurance Economics written by Peter Zweifel and published by Springer Nature. This book was released on 2021-10-05 with total page 545 pages. Available in PDF, EPUB and Kindle. Book excerpt: Insurance Economics brings together the economic analysis of decision making under risk, risk management and demand for insurance among individuals and corporations, objectives pursued and management tools used by insurance companies, the regulation of insurance, and the division of labor between private and social insurance. Appropriate both for advanced undergraduate and graduate students of economics, management, and finance, this text provides the background required to understand current research. Predictions derived from theoretical arguments are not merely stated, but also related to empirical evidence. Throughout the book, conclusions summarize key results, helping readers to check their knowledge and comprehension. Issues discussed include paradoxes in decision making under risk and attempts at their resolution, moral hazard and adverse selection including the possibility of a “death spiral”, and future challenges to both private and social insurance such as globalization and the availability of genetic information. This second edition has been extensively revised. Most importantly, substantial content has been added to represent the evolution of risk-related research. A new chapter, Insurance Demand II: Nontraditional Approaches, provides a timely addition in view of recent developments in risk theory and insurance. Previous discussions of Enterprise Risk Management, long-term care insurance, adverse selection, and moral hazard have all been updated. In an effort to expand the global reach of the text, evidence and research from the U.S. and China have also been added.

Download or read book The Economics of Social Insurance and Employee Benefits written by Richard J. Butler and published by Springer Science & Business Media. This book was released on 2012-12-06 with total page 348 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book is intended for junior and senior undergraduate students, and master level students in human resources, risk management and insurance, industrial relations or public policy. The subject of the book is non-wage benefits paid to workers. Hence, it excludes discussion of needs-based programs such as welfare, food stamps, Supplementary Security Income, and Medicaid. It includes benefits mandated by the government including the major social insurance programs: workers' compensation, unemployment insurance and Social Security benefits. It also includes those benefits voluntarily provided by firms including: group medical care, disability benefits, paid sick time, pension benefits, life insurance, and assorted other fringe benefits. The book is divided into three parts. Part I (chapters 1 through 6) briefly introduces these programs and discusses some of the insurance and economic concepts that are useful in both evaluating the current programs, and in understanding what changes might mean for future costs and benefits. The next two parts of the book deal respectively with social insurance programs (Part II, chapters 7-10), and other employer provided benefits (Part III, chapters 11-16). Throughout, private sector human resource practice and public sector human resource policy is linked to various "ben~fit" models: the human capital model, the passive participant model, the insurance' model, the managed care model, and the integrated health benefits model.

Download or read book Income Support for the Unemployed written by Milan Vodopivec and published by World Bank Publications. This book was released on 2004-01-01 with total page 240 pages. Available in PDF, EPUB and Kindle. Book excerpt: With the aim to provide guidelines for countries wishing to introduce or improve income support systems for the unemployed, the book summarizes the evidence about the performance of five such systems: unemployment insurance, unemployment assistance, unemployment insurance savings accounts, severance pay, and public works. These systems are evaluated by two sets of criteria: (i) performance criteria, evaluating how well these systems work A? how they protect incomes and what other, particularly efficiency related, effects they may have; and (ii) design and implementation criteria, evaluating how these systems fit the country A? how suitable are these programs given country-specific conditions, chief among them being labor market and other institutions, the capacity needed for administering income support programs, the size of the informal sector, and prevalence of private transfers. Income Support Systems for the Unemployed also offers summary evaluations of alternative systems by describing the strengths and weaknesses of each system and pointing out the country specific circumstances which are particularly conducive to performance.

Download or read book Handbook of Health Economics written by A J. Culyer and published by Elsevier. This book was released on 2000-07-19 with total page 1138 pages. Available in PDF, EPUB and Kindle. Book excerpt: What new theories, evidence, and policies have shaped health economics in the 21st century? Editors Mark Pauly, Thomas McGuire, and Pedro Pita Barros assemble the expertise of leading authorities in this survey of substantive issues. In 16 chapters they cover recent developments in health economics, from medical spending growth to the demand for health care, the markets for pharmaceutical products, the medical workforce, and equity in health and health care. Its global perspective, including an emphasis on low and middle-income countries, will result in the same high citations that made Volume 1 (2000) a foundational text. Presents coherent summaries of major subjects and methodologies, marking important advances and revisions. Serves as a frequently used non-journal reference. Introduces non-economists to the best research in health economics.

Download or read book Model Rules of Professional Conduct written by American Bar Association. House of Delegates and published by American Bar Association. This book was released on 2007 with total page 216 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Model Rules of Professional Conduct provides an up-to-date resource for information on legal ethics. Federal, state and local courts in all jurisdictions look to the Rules for guidance in solving lawyer malpractice cases, disciplinary actions, disqualification issues, sanctions questions and much more. In this volume, black-letter Rules of Professional Conduct are followed by numbered Comments that explain each Rule's purpose and provide suggestions for its practical application. The Rules will help you identify proper conduct in a variety of given situations, review those instances where discretionary action is possible, and define the nature of the relationship between you and your clients, colleagues and the courts.

Download or read book Handbook of Insurance written by Georges Dionne and published by Springer Science & Business Media. This book was released on 2013-12-02 with total page 1133 pages. Available in PDF, EPUB and Kindle. Book excerpt: This new edition of the Handbook of Insurance reviews the last forty years of research developments in insurance and its related fields. A single reference source for professors, researchers, graduate students, regulators, consultants and practitioners, the book starts with the history and foundations of risk and insurance theory, followed by a review of prevention and precaution, asymmetric information, risk management, insurance pricing, new financial innovations, reinsurance, corporate governance, capital allocation, securitization, systemic risk, insurance regulation, the industrial organization of insurance markets and other insurance market applications. It ends with health insurance, longevity risk, long-term care insurance, life insurance financial products and social insurance. This second version of the Handbook contains 15 new chapters. Each of the 37 chapters has been written by leading authorities in risk and insurance research, all contributions have been peer reviewed, and each chapter can be read independently of the others.

Download or read book The Science and Politics of Work Disability Prevention written by Ellen MacEachen and published by Routledge. This book was released on 2018-10-10 with total page 352 pages. Available in PDF, EPUB and Kindle. Book excerpt: The rising cost of illness and disability benefits are one of today’s biggest social and labour market challenges. The promise of activation-oriented work disability policies was labour market engagement for all people, regardless of illness, injury or impairment. However, the reality has been more complex. The Science and Politics of Work Disability Policy addresses social and political economic contexts driving state work disability reform in 13 countries. In this first attempt to explain the history and future of work disability policy, this book asks new questions about work disability policy design, focus, and effects. It details how work disability policies have evolved with jurisdictions, why these take their current shape, and where they are heading. The well positioned authors draw on their insider knowledge and expertise in law, medicine, and social science to provide detailed case studies of their jurisdictions. This pathbreaking volume will be of interest to social security system policy makers, scholars, and students in the health and social sciences.

Download or read book Reinventing the Welfare State written by Ruud A. de Mooij and published by . This book was released on 2006 with total page 236 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Dutch welfare state is under pressure. Future trends of ageing and globalisation render public finances unsustainable and worsen the position of low-skilled workers on the labour market. At the same time, welfare state institutions seem insufficiently adapted to changed socio-cultural circumstances. Moreover, they cause inactivity among elderly workers, women and social benefit recipients. To prepare for the future, the Dutch government aims to raise labour supply and improve human capital. This study explores how welfare state reform can contribute to these goals. Thereby, we take into account the key social and economic functions that the welfare state fulfils in our society. We analyse a number of reforms in Dutch institutions from a broad welfare perspective and quantify their effects on the labour market and the income distribution. The study also develops three comprehensive prototype welfare state reforms for the Netherlands in the future. We explore how robust these different prototypes are for immigration, economic integration and technological change.

Download or read book Supplemental Studies for the National Commission on State Workmen s Compensation Laws written by and published by . This book was released on 1973 with total page 1364 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Encyclopedia of Disability written by Gary L Albrecht and published by SAGE Publications. This book was released on 2005-10-07 with total page 2937 pages. Available in PDF, EPUB and Kindle. Book excerpt: To read some sample entries, or to view the Readers Guide click on "Additional Materials" in the left column under "About This Book". The wide range of coverage distinguishes this particular set, which was designed "to bring current knowledge and experience with disability across a wide variety of places, conditions, and cultures to both the general reader and the specialist." Editor Albrecht (University of Illinois at Chicago) and over 500 authors from around the world contributed the more than 800 entries. . . drawing in readers from a wide range of studies and interests and helping them to see disability in an entirely new way. Highly recommended for academic and large public libraries." -- BOOKLIST (star review) Obesity. Heart disease. Vision problems. Asthma. AIDS. Depression. Those maimed by land mines, machetes, bullets, bombs and beatings. These are just a few examples of how disability is becoming an increasingly common experience in our daily lives. Regardless of who we are or where we live, disability is with us. SAGE Reference is proud to announce the five-volume Encyclopedia of Disability. This Encyclopedia represents the first attempt to bring an authoritative reference resource to the many faces of disability. It provides a fascinating entry into the world of disability where minds are expanded, prejudices shattered, and spirits raised. The Encyclopedia answers the question: What is disability and why is it important in my life? An international editorial board of seventy-four editors from the Americas, Europe, Australia, India, Japan, and China, all experts in their own sub-fields of disability, developed these volumes. The result is a multidisciplinary, cross-cultural, and historically grounded resource tool that guides the reader across fields, theories, debates, and practices. Key Features Embraces five volumes that improve the reader′s understanding and appreciation of the world of disability: Volumes 1 - 4 cover disability A, including a Reader′s Guide, comprehensive bibliography, and index, and Volume 5 contains a wealth of primary source documents in the field of disability Includes contributions from more than 500 world-renowned scholars who have written over 1,000 entries—in a clear, accessible style—with the desire to bring all students, researchers, and interested readers closer to the daily experience of disability Provides print and Web site references to government documents and data that are rich resources to investigate how disability is measured and treated on an international level Includes a chronology to place the concept of disability in a historical context The Encyclopedia of Disability is a must-have reference for all academic libraries, large public libraries, and any social science, medical, legal, or governmental reference collections. Non-governmental organizations, charitable foundations, and law firms will also want to add this set to their collection. Senior Editors Jerome Bickenbach, Queen′s University Scott Brown Dudley Childress, Northwestern University Medical School Joseph Flaherty, Univeristy of Illinois at Chicago Allen Heinemann, Northwestern University Tamar Heller, Univeristy of Illinois at Chicago Christopher Keys, Univeristy of Illinois at Chicago David Mitchell, Univeristy of Illinois at Chicago Trevor Parmenter, University of Sydney, Australia Mairian Scott-Hill, Marsh Hills Cottage Tom Shakespeare, University of Newcastle Sharon Snyder, Univeristy of Illinois at Chicago