Social Security Administration — The Unemployment Insurance Query (UIQ) provides State Unemployment Insurance agencies real-time online access to SSA data. This includes SSN verification and Title...
Røed, Knut; Jensen, Peter; Thoursie, Anna
Based on pooled register data from Norway and Sweden, we find that differences in unemployment duration patterns reflect dissimilarities in unemployment insurance (UI) systems in a way that convincingly establishes the link between economic incentives and job search behaviour. Specifically, UI...... benefits are relatively more generous for low-income workers in Sweden than in Norway, leading to relatively longer unemployment spells for low-income workers in Sweden. Based on the between-countries variation in replacement ratios, we find that the elasticity of the outflow rate from insured unemployment...
Larsen, Birthe; Waisman, Gisela
This paper examines the impact of higher unemployment insurance on the fraction of the work force paying into an unemployment insurance fond, wage differences and therefore inquality and education letting worker initial wealth being important for the decisions and implied values. As usually higher...... educated workers receive a lower fraction of their wages as unemployment insurance, we consider how the impact on labour market performance and wage differences and thereby inequality differ dependent on whether educated or uneducated workers receive higher benefits. The model can help shed light...... on the the puzzle why only some workers, for given educational level, pay into an unemployment insurance fond, the lower wealth mobility than income mobility as well as the relative compressed wage structure in countries with generous social assistance as well as unemployment insurance for low income workers...
O. Parsons, Donald; Tranæs, Torben; Bie Lilleør, Helene
Denmark has drawn much attention for its active labor market policies, but is almost unique in offering a voluntary public unemployment insurance program requiring a significant premium payment. A safety net program – a less generous, means-tested social assistance plan – completes the system...
Andersen, Torben M.; Svarer, Michael
The consequences of business cycle contingencies in unemployment insurance systems are considered in a search-matching model allowing for shifts between "good" and "bad" states of nature. We show that not only is there an insurance argument for such contingencies, but there may also be an incentive...
Roč. 11, č. 10 (2004), s. 651-656 ISSN 1350-4851 Institutional research plan: CEZ:AV0Z7085904 Keywords : recalls * unemployment insurance taxes Subject RIV: AH - Economics Impact factor: 0.135, year: 2004 http://search.ebscohost.com/login.aspx?direct=true&db=bth&AN=14132347&site=ehost-live
... 20 Employees' Benefits 3 2010-04-01 2010-04-01 false Unemployment insurance. 617.58 Section 617.58 Employees' Benefits EMPLOYMENT AND TRAINING ADMINISTRATION, DEPARTMENT OF LABOR TRADE ADJUSTMENT ASSISTANCE... Unemployment insurance. Unemployment insurance payable to an adversely affected worker shall not be denied or...
Andersen, Torben M.; Christoffersen, Mark Strøm; Svarer, Michael
and employment requirements are substitute instruments in affecting job search incentives and thus gross unemployment. We analyse the optimal design of the unemployment insurance system (benefit levels, duration and employment requirements) under a utilitarian social welfare function. Simulations show...
The benefits of unemployment insurance (UI) by measuring its effect in match quality are assessed. The relationship between post-unemployment job tenure and measures of the state level UI generosity and the unemployment rate at the time of the job is analyzed, using NLSY data.
Mooi-Reci, Irma; Mills, Melinda
This study examines whether a series of unemployment insurance benefit reforms that took place over a 20-year period in the Netherlands had a gendered effect on the duration of unemployment and labor market outcomes. Using longitudinal data from the Dutch Labor Supply Panel (OSA) over the period 1980-2000, and adopting a quasi-experimental design,…
Mooi-Reci, Irma; Mills, Melinda
This study examines whether a series of unemployment insurance benefit reforms that took place over a 20-year period in the Netherlands had a gendered effect on the duration of unemployment and labor market outcomes. Using longitudinal data from the Dutch Labor Supply Panel (OSA) over the period
Boone, J.; Fredriksson, P.; Holmlund, B.; van Ours, J.C.
This article analyses the design of optimal unemployment insurance in a search equilibrium framework where search effort among the unemployed is not perfectly observable. We examine to what extent the optimal policy involves monitoring of search effort and benefit sanctions if observed search is
Mooi-Reci, I.; Mills, M.
This study examines whether a series of unemployment insurance benefit reforms that took place over a 20-year period in the Netherlands had a gendered effect on the duration of unemployment and labor market outcomes. Using longitudinal data from the Dutch Labor Supply Panel (OSA) over the period
S. Walter (Stefan); M.M. Glymour (Maria); M. Avendano Pabon (Mauricio)
textabstractObjective: Previous studies suggest that unemployment predicts increased cardiovascular disease (CVD) risk, but whether unemployment insurance programs mitigate this risk has not been assessed. Exploiting US state variations in unemployment insurance benefit programs, we tested the
Robert Shimer; Ivan Werning
We study the optimal design of unemployment insurance for workers sampling job opportunities over time. We focus on the optimal timing of benefits and the desirability of allowing workers to freely access a riskless asset. When workers have constant absolute risk aversion preferences, it is optimal to use a very simple policy: a constant benefit during unemployment, a constant tax during employment that does not depend on the duration of the spell, and free access to savings using a riskless ...
Browning, Martin; Crossley, Thomas
We use a survey of unemployed people to examine how a job loss impacts on household expenditures. The principal focus is on the effect of the level of income replacement provided by Unemployment Insurance. We restrict attention to a sub-sample of respondents who are still in their first spell...... of unemployment after six months. For this group we find large consumption falls, averaging about 16% of total expenditure. The actual fall depends on a variety of factors of which the most important is the pre-job loss ratio of the respondent's income to household income. The effects of varying the replacement...... within the household and hence on other facets of behaviour such as job search, unemployment duration and the quality of any new job taken...
Lyk-Jensen, Stéphanie; Weatherall, Cecilie Dohlmann
In this article we investigate how the long-term unemployed react to the threat of running out of unemployment insurance (UI) in a system in which other social benefits are available. The empirical analysis is based on very precise administrative records of unemployment spells in Denmark...... risk model to estimate the conditional probability of leaving unemployment to enter employment or receive other social benefits. We restrict our analysis to men aged 25-44 in 1998. Our results show that even for men having an initial UI entitlement for 4 years the threat of running out of UI indeed....... To identify the effect of UI exhaustion, we exploit the 1999 legislative change in the duration of benefit that progressively reduced regular UI entitlement from five to four years. According to time of entry into the UI system, all UI recipients had their potential UI period shortened. We use a competing...
Blaustein, Saul J.
Without changes in Michigan's unemployment insurance law, the state's unemployment insurance debt will probably reach $3.8 billion by the end of 1985. Currently, Michigan's employers pay unemployment insurance tax rates that vary from 1 to 9 percent, depending upon the amount of benefits charged against their accounts. Beginning with the federal…
Filges, Trine; Smedslund, Geir; Jørgensen, Anne-Marie Klint
Objective: This review evaluates the effectiveness of Active Labour Market Programme (ALMP) participation on employment status for unemployment insurance recipients. Methods and Analysis: We followed Campbell Collaboration guidelines to conduct a systematic review. Results: A total of 73 studies...
Kroft, Kory; Notowidigdo, Matthew J.
We study how optimal unemployment insurance (UI) benefits vary over the business cycle by estimating how the moral hazard cost and the consumption smoothing benefit of UI vary with the unemployment rate. We find that the moral hazard cost is procyclical, greater when the unemployment rate is relatively low. By contrast, our evidence suggests that the consumption smoothing benefit of UI is acyclical. Using these estimates to calibrate our job search model, we find that a one standard deviation...
Walter, Stefan; Glymour, Maria; Avendano, Mauricio
Objective Previous studies suggest that unemployment predicts increased cardiovascular disease (CVD) risk, but whether unemployment insurance programs mitigate this risk has not been assessed. Exploiting US state variations in unemployment insurance benefit programs, we tested the hypothesis that more generous benefits reduce CVD risk. Methods Cohort data came from 16,108 participants in the Health and Retirement Study (HRS) aged 50–65 at baseline interviewed from 1992 to 2010. Data on first and recurrent CVD diagnosis assessed through biennial interviews were linked to the generosity of unemployment benefit programmes in each state and year. Using state fixed-effect models, we assessed whether state changes in the generosity of unemployment benefits predicted CVD risk. Results States with higher unemployment benefits had lower incidence of CVD, so that a 1% increase in benefits was associated with 18% lower odds of CVD (OR:0.82, 95%-CI:0.71–0.94). This association remained after introducing US census regional division fixed effects, but disappeared after introducing state fixed effects (OR:1.02, 95%-CI:0.79–1.31).This was consistent with the fact that unemployment was not associated with CVD risk in state-fixed effect models. Conclusion Although states with more generous unemployment benefits had lower CVD incidence, this appeared to be due to confounding by state-level characteristics. Possible explanations are the lack of short-term effects of unemployment on CVD risk. Future studies should assess whether benefits at earlier stages of the life-course influence long-term risk of CVD. PMID:25025281
Full Text Available The debate on classification instruments for social security regimes opened by Esping-Andersen (1990 usually neglects the examination of the normative impact of the welfare state. This article focus on this latter through an analysis of systems of protection against unemployment in 11 of the European countries included in the database known as the Mutual Information System on Social Protection (MISSOC.We show in this article that unemployment insurance only recognize legal, authorized and declared salaried employees who have resided in the country for a set period of time, which confirms the close link between social policy and nationality, with some foreign workers being excluded from the circle of beneficiaries because of these norms. Unemployment insurance also always considers jobs as rare social goods - workers are expected to hold on to them, but they are declined differently along a person’s life course. The dominance of the male employment norm and the complete lack of consideration given to domestic labour by unemployment insurance contribute to structuring gendered roles as separate and hierarchically organized. Disparities between countries, whether related to contextual differences or to the history of the local welfare state, do not weaken these arguments since they are not founded upon fundamentally different conceptions of unemployment.
Full Text Available The contribution critically reflects on the proposed amendments to the Unemployment Insurance Act Act 63 of 2001 (the UIA / the Act, introduced via the provisions of the Unemployment Insurance Amendment Bill of 2015 (B25-2015. Several shortcomings and deficiencies are addressed and improvements introduced by the proposed amending legislation, including the extension of coverage to a wider range of beneficiaries, the extension of the period of benefits (to a maximum of 365 days, the increase of the rate of maternity benefits of a (female contributor's earnings, the adjustment of the accrual rate of a contributor's duration of benefits from 1 day for every 6 days of employment to 1 day for every 5 days of employment, and some attempt to provide for employment retention and the re-entry of unemployed contributors into the labour market. And yet, despite these important contributions to the development of unemployment insurance in South Africa, several matters appearing from the Bill point towards inconsistent, inadequate and inappropriate treatment of core elements of the unemployment insurance system. Recommendations have been made to address these matters, which among others relate to: •\tThe insufficient alignment of the UIA with ILO, UN and SADC standards in key areas of concern; •\tUnclear or absent provisions in relation to the coverage and/or application of the UIA in relation to public servants, migrant workers, and the self- and informally employed; •\tInadequate provision for employment promotion, the prevention, combating and reduction of unemployment, and reintegration into employment; •\tInappropriate provisions relating to benefit rates and periods, among others concerning the Minister's power to set/amend the Income Replacement Rate and to vary the benefit period by regulation; •\tInconsistent and discriminatory provisions requiring a 13-week qualifying period for accessing maternity benefits; •\tInappropriate provisions
Matsumoto, Akio; Merlone, Ugo; Szidarovszky, Ferenc
In the recent literature the introduction of modified cost functions has added reality into the classical oligopoly analysis. Furthermore, the market evolution requires much more flexibility to firms, and in several countries contingent workforce plays an important role in the production choices by the firms. Therefore, an analysis of dynamic adjustment costs is in order to understand oligopoly dynamics. In this paper, dynamic single-product oligopolies without product differentiation are first examined with the additional consideration of production adjustment costs. Linear inverse demand and cost functions are considered and it is assumed that the firms adjust their outputs partially toward best response. The set of the steady states is characterized by a system of linear inequalities and there are usually infinitely many steady states. The asymptotic behavior of the output trajectories is examined by using computer simulation. The numerical results indicate that the resulting dynamics is richer than in the case of the classical Cournot model. This model and results are then compared to oligopolies with unemployment insurance systems when the additional cost is considered if firms do not use their maximum capacities.
Matthew S. Rutledge
Both unemployment insurance (UI) extensions and the availability of disability benefits have disincentive effects on job search. But UI extensions can reduce the efficiency cost of disability benefits if UI recipients delay disability application until they exhaust their unemployment benefits. This paper, the first to focus on the effect of UI extensions on disability applications, investigates whether UI eligibility, extension, and exhaustion affect the timing of disability applications and ...
... DEPARTMENT OF LABOR Employment and Training Administration [TA-W-80,525] Long Elevator & Machine Company, Inc., Including Workers Whose Unemployment Insurance (UI) Wages Were Reported Through Kone, Inc... former workers of Long Elevator & Machine Company, Inc., including workers whose unemployment insurance...
Gose, E; Paul, C
"By ignoring individual unemployment compensation benefits and conditions of job termination, past migration research has concluded that personal unemployment doubles the likelihood of interstate labor-force migration. Findings from the present study indicate that aggregating the unemployed, without adjusting for these two factors, overstates the probability of migration for the involuntarily unemployed benefit recipient and understates the likelihood of migration for the voluntarily unemployed benefit recipient. The results suggest that federal discretionary unemployment-compensation programs, which are implemented during recessionary periods, likely serve to retard out-migration of those who are involuntarily unemployed." Data are from a 1982 sample of unemployed U.S. workers. excerpt
Full Text Available The aim of this paper is to discuss the role of unemployment insurance during recession. Firstly, it presents a brief literature review, according to which unemployment insurance works as a built-in stabilizer for the economy. Secondly, it highlights certain characteristics of these programs in developed and developing countries, in recession periods. Also, it analyzes the evolution of Romanian unemployment insurance indicators during 2004-2009 and finds that public expenditures had an opposite trend to that of GDP and budgetary revenues, decreasing during periods of economic growthand increasing during the current recession, which suggests an interaction with the economic cycle.
... Dynamics Corporation, including on-site leased workers of Masterson Personnel and MRCI Workforce..., Inc., Including Workers Whose Unemployment Insurance (UI) Wages Are Paid Through Biomedical Dynamics... Biomedical Dynamics Corporation. Accordingly, the Department is amending this certification to property...
... DEPARTMENT OF LABOR Employment and Training Administration [TA-W-73,758] Bluescope Buildings North America, Including Workers Whose Unemployment Insurance (UI) Wages Are Reported Through Butler Manufacturing Company, Laurinburg, NC; Amended Certification Regarding Eligibility To Apply for Worker...
Full Text Available A significant component of a developed economy, insurance holds a prominent role in European countries, its own contribution being noticed in the GDP of every country. The involvements of unemployment on the insurance market size have been reviewed in numerous specialized papers internationally. Based on these results, but also on the fact that in Romania there have not been measured such statistical correlations showing to what extent the unemployment rate influences the main indicators in the insurance field, in this research we analyze the statistical correlation between results which reveal the dimension of the insurance market - the penetration degree and the insurance density - and the unemployment rate. To perform the analysis, we apply statistical methods, for the period 1997-2015. The results are analysed in the context of the relevant international statistics, as well as reported to the Romanian general economic framework.
Full Text Available We explore the extent to which claim incidence in Disability Income Insurance (DII is affected by changes in the unemployment rate in Australia. Using data from 1986 to 2001, we fit a hurdle model to explore the presence and magnitude of the effect of changes in unemployment rate on the incidence of DII claims, controlling for policy holder characteristics and seasonality. We find a clear positive association between unemployment and claim incidence, and we explore this further by gender, age, deferment period, and occupation. A multinomial logistic regression model is fitted to cause of claim data in order to explore the relationship further, and it is shown that the proportion of claims due to accident increases markedly with rising unemployment. The results suggest that during periods of rising unemployment, insurers may face increased claims from policy holders with shorter deferment periods for white-collar workers and for medium and heavy manual workers. Our findings indicate that moral hazard may have a material impact on DII claim incidence and insurer business in periods of declining economic conditions.
Roč. 108, č. 2 (2002), s. 227-252 ISSN 0304-4076 Institutional research plan: CEZ:AV0Z7085904 Keywords : employment durations * unemployment insurance * sample selection Subject RIV: AH - Economics Impact factor: 1.106, year: 2002
This study includes retrenchments in unemployment insurance (UI) benefits as an understudied mechanism to investigate possible explanations for wage inequality in the labor market. Using longitudinal data from the Dutch Labor Supply Panel (OSA) over the period 1985-2000, and adopting a
Full Text Available It is inconceivable By O.U.G. no. 60/2016 were brought new changes and additions to Law no. 76/2002 on the unemployment insurance system and stimulation of employment due to: labor shortages in certain regions claimed by business representatives; European climate of uncertainty marked by the possible exit of the United Kingdom of Great Britain and Northern Ireland in the European Union, and the high probability of returning to Romania for workers who have exercised their right to free movement within the European Union; avoidance of loss absorption external grants for this year.
Full Text Available In Sweden, as in most Western societies, a common belief is that unemployment is somehow linked to the individual, her lack of work ethic, or other personal shortcomings rather than to structural causes. This is not only manifested in public arenas such as the media or political debates but also in our social surroundings. In recent years, these views have gained importance, indicating a shift in the location of responsibilities from the welfare state to the individual. This shift entails high demands and expectations on unemployed people and is something they have to deal with and relate to. One of the most exposed groups is young long-term unemployed. The aim of this article is to highlight how the discourse of individualized responsibility is reflected in unemployed peoples’ stories, and to shed light on the ways in which young long-term unemployed adults relate to and position themselves toward this discourse. Based on 18 qualitative interviews with young Swedish long-term unemployed people, the findings show three approaches to the discourse: conformity, distancing, and resistance.
MĂRĂCINE MIHAELA SIMONA
Full Text Available The role of corporate social responsibility has increased significantly nowadays. The studies conducted have shown that consumers are increasingly no longer interested only in buying good quality and reliable products, but they are also interested whether they were produced in a socially responsible manner. In the recent years investors have increasingly realised that investing in social responsibility regarding the social and environmental areas, greatly contributes to the growth of the internal and external image of management. This paper aims at presenting a number of interesting issues related to social responsibility manifested by the insurance companies.
Administrative Circular No. 4 (Rev. 4) – Unemployment insurance scheme Administrative Circular No. 4 (Rev. 4) – "Unemployment insurance scheme", approved following discussion in the Standing Concertation Committee meetings of 28 August 2007 and 27 February 2008, is now available on the intranet site of the Human Resources Department. It cancels and replaces Administrative Circular No. 4 (Rev. 3) – "Unemployment insurance" of October 1993. Copies will shortly be available in Departmental secretariats. Human Resources Department Tel. 78003 Administrative Circular No. 30 (Rev. 2) – Financial benefits on taking up appointment and termination of contract Administrative Circular No. 30 (Rev. 2) – "Financial benefits on taking up appointment and termination of contract", approved following discussion in the Standing Concertation Committee meetings of 28 August 2007 and 27 February 2008, is now available on the intranet site of the Human Resources De...
Administrative Circular No. 4 (Rev. 4) – Unemployment insurance scheme Administrative Circular No. 4 (Rev. 4) – "Unemployment insurance scheme", approved following discussion at the Standing Concertation Committee meetings of 28 August 2007 and 27 February 2008, is now available on the intranet site of the Human Resources Department. It cancels and replaces Administrative Circular No. 4 (Rev. 3) – "Unemployment insurance" of October 1993. Copies will shortly be available in Departmental secretariats. Human Resources Department Tel. 78003 Administrative Circular No. 30 (Rev. 2) – Financial benefits on taking up appointment and termination of contract Administrative Circular No. 30 (Rev. 2) – "Financial benefits on taking up appointment and termination of contract", approved following discussion at the Standing Concertation Committee meetings of 28 August 2007 and 27 February 2008, is now available on the intranet site of the Human Resources De...
Robert G. Valletta; Katherine Kuang
During the current labor market downturn, unemployment duration has reached levels well above its previous highs. Analysis of unemployment data suggests that extended unemployment insurance benefits have not been important factors in the increase in the duration of unemployment or in the elevated unemployment rate.
This report examines unemployment protection with emphasis on three groups of countries: 1) OECD, 2) Central-East Europe and the Former Soviet Union; and 3) East and South Asia. Section 1 notes the presence of various public social protection programs including pensions, work injury insurance, health insurance, and unemployment benefits. Section 2 describes the measurement of unemployment in these countries and provides details of their unemployment protection programs including unemployment ...
... Department's consolidated financial statements required by the Chief Financial Officer Act of 1990. The UTF... financial statements and program oversight responsibilities. II. Desired Focus of Comments: Currently the... and financial resources) is minimized, collection instruments are clearly understood, and the impact...
...., Automotive Experience Division, Including Workers Whose Unemployment Insurance (UI) Wages Are Paid Through... unemployment insurance (UI) tax account, under the name Hoover Universal. Accordingly, the Department is... Division, including workers whose unemployment insurance (UI) wages are paid through Hoover Universal...
Structural unemployment differs from cyclical unemployment by not disappearing in cyclical booms. In economic theory, structural unemployment is usually analysed in terms of the concept of equilibrium unemployment (the "natural unemployment rate" in Friedman’s terminology). Two elaborate concepts of equilibrium unemployment – the non-accelerating inflation rate of unemployment (the NAIRU) and the unemployment rate that induces firms and workers to accept the same real wage (the PS-WS-model) a...
Jan 31, 2014 ... Unemployment is synonymous to 'joblessness' and it breeds generalized hardship in life, helplessness, lack of social security, idleness, poverty, depression, suicidal tendencies, loss of self esteem, diseases like hypertension, and dependency even in very minor responsibilities. It has also been implicated ...
Goldman, Dana P; Leibowitz, Arleen A; Robalino, David A
To determine the sensitivity of employees' health insurance decisions--including the decision to not choose health maintenance organization or fee-for-service coverage--during periods of rapidly escalating healthcare costs. A retrospective cohort study of employee plan choices at a single large firm with a "cafeteria-style" benefits plan wherein employees paid all the additional cost of purchasing more generous insurance. We modeled the probability that an employee would drop coverage or switch plans in response to employee premium increases using data from a single large US company with employees across 47 states during the 3-year period of 1989 through 1991, a time of large premium increases within and across plans. Premium increases induced substantial plan switching. Single employees were more likely to respond to premium increases by dropping coverage, whereas families tended to switch to another plan. Premium increases of 10% induced 7% of single employees to drop or severely cut back on coverage; 13% to switch to another plan; and 80% to remain in their existing plan. Similar figures for those with family coverage were 11%, 12%, and 77%, respectively. Simulation results that control for known covariates show similar increases. When faced with a dramatic increase in premiums--on the order of 20%--nearly one fifth of the single employees dropped coverage compared with 10% of those with family coverage. Employee coverage decisions are sensitive to rapidly increasing premiums, and single employees may be likely to drop coverage. This finding suggests that sustained premium increases could induce substantial increases in the number of uninsured individuals.
Goldman, Dana; Leibowitz, Arleen; Robalino, David
Objective: To determine the sensitivity of employees’ health insurance decisions—including the decision to not choose health maintenance organization or fee-for-service coverage—during periods of rapidly escalating healthcare costs. Study Design: A retrospective cohort study of employee plan choices at a single large firm with a “cafeteria-style” benefits plan wherein employees paid all the additional cost of purchasing more generous insurance. Methods: We modeled the probabil...
This paper investigates the corporate social responsibility (CSR) of insurance companies. Rating institutions provide costly information about firms' CSR and it is not clear how they arrive at their assessment. We use a transparent framework to assess the CSR of insurance companies. We apply this
Kreiner, Claus Thustrup; Tranæs, Torben
This paper addresses the welfare implications of introducing workfare into unemployment benefit policy. We consider a population composed of employed and unemployed workers and of individuals who do not seek employment. Job search behavior is unobservable, which means that voluntarily unemployed ...... by facilitating better unemployment insurance for workers, and we characterize the situations where this is the case.......This paper addresses the welfare implications of introducing workfare into unemployment benefit policy. We consider a population composed of employed and unemployed workers and of individuals who do not seek employment. Job search behavior is unobservable, which means that voluntarily unemployed...... individuals can claim unemployment insurance (UI) benefits intended for unemployed workers. As a consequence, pecuniary benefit schemes underinsure workers against unemployment. We show that requiring unproductive activities (workfare) in exchange for UI benefits may generate a Pareto improvement...
Full Text Available The article discusses the necessity of adoption of professional responsibility insurance act into the public health service. It is considered as the basic mechanism of compensation in case of damage to a patient at medical aid rendering
Rockefeller Foundation, New York, NY.
In the introduction to this conference report, the problem of youth unemployment is reviewed and youth unemployment rates for 1976 are analyzed. Lester C. Thurow's study is presented as a discussion of the problem of youth unemployment. He examined the impact of economic growth, looked at the significance of the effect of unemployment on youth,…
Tilford, J M; Robbins, J M; Shema, S J; Farmer, F L
To examine the healthcare utilization and costs of previously uninsured rural children. Four years of claims data from a school-based health insurance program located in the Mississippi Delta. All children who were not Medicaid-eligible or were uninsured, were eligible for limited benefits under the program. The 1987 National Medical Expenditure Survey (NMES) was used to compare utilization of services. The study represents a natural experiment in the provision of insurance benefits to a previously uninsured population. Premiums for the claims cost were set with little or no information on expected use of services. Claims from the insurer were used to form a panel data set. Mixed model logistic and linear regressions were estimated to determine the response to insurance for several categories of health services. The use of services increased over time and approached the level of utilization in the NMES. Conditional medical expenditures also increased over time. Actuarial estimates of claims cost greatly exceeded actual claims cost. The provision of a limited medical, dental, and optical benefit package cost approximately $20-$24 per member per month in claims paid. An important uncertainty in providing health insurance to previously uninsured populations is whether a pent-up demand exists for health services. Evidence of a pent-up demand for medical services was not supported in this study of rural school-age children. States considering partnerships with private insurers to implement the State Children's Health Insurance Program could lower premium costs by assembling basic data on previously uninsured children.
Christian Keuschnigg; Evelyn Ribi
Outsourcing of labor intensive activities challenges the welfare state and undermines the protection of low-skilled workers. The stylized facts are that profits are concentrated among the high-skilled, involuntary unemployment is mostly among the low-skilled, and private unemployment insurance is missing. This paper analyzes the effectiveness of redistribution and insurance policies when heterogeneous firms can outsource labor intensive components to low-wage economies. The main results are: ...
Modern economists have built models of the labor market, which isolate the market’s key drivers and describe the way these interact to produce particular levels of unemployment. One of the most popular models used by macroeconomists today is the search-matching model of equilibrium unemployment. We explain this model, and show how it can be applied to understand the way various policies, such as unemployment benefits, taxes, or technological changes, can affect the unemployment rate.
... 20 Employees' Benefits 1 2010-04-01 2010-04-01 false Procedure for registering for unemployment... UNEMPLOYMENT INSURANCE ACT REGISTRATION FOR RAILROAD UNEMPLOYMENT BENEFITS § 325.2 Procedure for registering for unemployment benefits. (a) Registering as unemployed. To claim unemployment benefits for any day...
Lalive, R.; van Ours, J.C.; Zweimüller, J.
This paper studies how changes in the two key parameters of unemployment insurance - the benefit replacement rate (RR) and the potential duration of benefits (PBD) - affect the duration of unemployment.In 1989, the Austrian government made unemployment insurance more generous by changing,
... 20 Employees' Benefits 1 2010-04-01 2010-04-01 false Claim for unemployment benefits. 325.4 Section 325.4 Employees' Benefits RAILROAD RETIREMENT BOARD REGULATIONS UNDER THE RAILROAD UNEMPLOYMENT INSURANCE ACT REGISTRATION FOR RAILROAD UNEMPLOYMENT BENEFITS § 325.4 Claim for unemployment benefits. (a...
Boone, J.; Bovenberg, A.L.
This paper explores the optimal interaction between the tax system and unemployment compensation in insuring people against the risks of involuntary unemployment and low ability.To that end, we introduce search unemployment in a model of optimal non-linear income taxation.We find that the optimal
Amelina, M.E.; Arsent'ev, S.V.; Molchanov, A.S.
The article considers the method of calculation of rates for insurance of civil responsibility for nuclear damage during transportation of nuclear materials, which can minimize the insurer's costs for this type of insurance in situation when there is no statistics available and it is not possible to calculate the insurance rate by the traditional means using the probability theory
Innovation drives productivity in the nonprofit sector as well as in the commercial sector. The greatest advances come not from incremental improvements in efficiency but from new and better approaches. The most powerful way to create social value, therefore, is by developing a new means to address social problems and putting it into widespread practice. The expertise, research capacity, and reach that companies bring to philanthropy can help nonprofits create new solutions that they could never afford to develop on their own. Corporate managers sometimes work directly with faculty and community residents to implement local business projects. These projects often have significant societal benefits, especially since student collaboration and involvement extend to communities in many different inner cities. These projects are incredibly diverse and through such initiatives, management education not only provides an educationally rewarding outlet for students but also endows and enriches inner city communities. Management students sometimes work directly with faculty and community residents to implement local business projects. These projects often have significant societal benefits, especially since student collaboration and involvement extend to communities in many different inner cities. These projects are incredibly diverse and through such initiatives, management education not only provides an educationally rewarding outlet for students but also endows and enriches inner city communities. This article looks at how to use corporate social responsibility and service learning to drive innovation for local inner-city economic development.
... State Unemployment Compensation Information Final Rule and State Income and Eligibility Verification... Unemployment Compensation Information final rule and State Income and Eligibility Verification System (IEVS... and Training Administration, Office of Unemployment Insurance, 200 Constitution Avenue, NW., Room...
... Collection: Confidentiality and Disclosure of State Unemployment Compensation Information Final Rule and... about the regulatory requirements of the Confidentiality and Disclosure of State Unemployment... Administration, Office of Unemployment Insurance, 200 Constitution Avenue NW., Room S4524, Washington, DC 20210...
Insurance mechanisms are prevalent in industrialized societies, in both public and private sectors. Insurance is offered for various risks ranging from fire to accident. They also constitute the core of the modern welfare state (public health insurance, unemployment benefits and public pensions......). The analysis of (public) insurance has however remained marginal in political theory because insurance is often perceived as a simple tool for pursuing equality, i.e. a tool without any moral significance proper. This text proposes an alternative view by drawing a continuum between insurance as a technology......, which is the common interpretation in economics, and insurance as a social practice, which characterizes social theory. The goal is to underline how the technology of insurance alters social practices by, for instance, promoting equal standing or transforming the paradigm of individual responsibility...
... Known as Catawba Sox, Inc. Including Workers Whose Unemployment Insurance UI) Wages Are Paid Through...., had their wages reported under a separated unemployment insurance (UI) tax account under the name..., LLC, formerly known as Catawba Sox, Inc., including workers whose unemployment insurance (UI) wages...
Moriondo, Marco; Ferrise, Roberto; Bindi, Marco
Crop yield insurance has been indicated as a tool to manage the uncertainties of crop yields (Sherrick et al., 2004) but the changes in crop yield variability as expected in the near future should be carefully considered for a better quantitative assessment of farmer's revenue risk and insurance values in a climatic change regime (Moriondo et al., 2011). Under this point of view, mechanistic crop growth models coupled to the output of General/Regional Circulation Models (GCMs, RCMs) offer a valuable tool to evaluate crop responses to climatic change and this approach has been extensively used to describe crop yield distribution in response to climatic change considering changes in both mean climate and variability. In this work, we studied the effect of a warmer climate on crop yield distribution of durum wheat (Triticum turgidum L. subsp durum) in order to assess the economic significance of climatic change in a risk decision context. Specifically, the outputs of 6 RCMs (Tmin, Tmax, Rainfall, Global Radiation) (van der Linden and Mitchell 2009) have been statistically downscaled by a stochastic weather generator over eight sites across the Mediterranean basin and used to feed the crop growth model Sirius Quality. Three time slices were considered i) the present period PP (average of the period 1975-1990, [CO2]=350 ppm), 2020 (average of the period 2010-2030, SRES scenario A1b, [CO2]=415 ppm) and 2040 (average of the period 2030-2050, SRES scenario A1b, [CO2]=480 ppm). The effect of extreme climate events (i.e. heat stress at anthesis stage) was also considered. The outputs of these simulations were used to estimate the expected payout per hectare from insurance triggered when yields fall below a specific threshold defined as "the insured yield". For each site, the threshold was calculated as a fraction (70%) of the median of yield distribution under PP that represents the percentage of median yield above which indemnity payments are triggered. The results
...-fault insurance. 411.51 Section 411.51 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES... PAYMENT Limitations on Medicare Payment for Services Covered Under Liability or No-Fault Insurance § 411.51 Beneficiary's responsibility with respect to no-fault insurance. (a) The beneficiary is...
This book looks at the issue of youth unemployment and examines policy responses. Part I considers the youth unemployment problem. Chapter 1 is an overview, covering size of the problem and the close relationship between youth and adult unemployment. Chapter 2 examines youth unemployment characteristics and distribution of unemployment across…
... 20 Employees' Benefits 1 2010-04-01 2010-04-01 false Duration of normal unemployment benefits. 336... UNEMPLOYMENT INSURANCE ACT DURATION OF NORMAL AND EXTENDED BENEFITS Normal Benefits § 336.2 Duration of normal unemployment benefits. (a) 130 compensable day limitation. A qualified employee who has satisfied the waiting...
Kohara, Miki; Sasaki, Masaru; Machikita, Tomohiro
security offices: one includes information about the circumstances of job seekers receiving unemployment insurance, and the other includes information about job seekers applying for jobs. We first show a negative relationship between unemployment duration and the subsequent job duration. Restricting...... the sample to job seekers who changed search behaviors in the final 59 days before expiration of unemployment insurance, we secondly show an even greater negative effect of unemployment duration on the following job duration. The importance lies not only in the duration of unemployment. If job seekers keep...
Kyyrä, Tomi; Parrotta, Pierpaolo; Rosholm, Michael
We consider the consequences of working part-time on supplementary unemployment insurance beneits in the Danish labour market. Following the "timing-of-events" approach we estimate causal effects of subsidized part-time work on the hazard rate out of unemployment insurance beneit receipt. We fin...
Wulfgramm, Melike; Fervers, Lukas
Recent labour market reforms in Europe have been aimed at activating non-employed people and shortening unemployment duration. While this should indisputably be a central policy aim, the exclusive focus on quick re-employment neglects the importance of its quality and stability. Therefore......, this paper analyses the effect of labour market policy on re-employment stability in Europe. Combining EU-SILC longitudinal survey data with macro-data on labour market policy, we conduct multi-level survival analysis. Empirical evidence suggests that countries with more generous unemployment insurance......, and their positive effect on re-employment stability on the other hand....
Dana Goldman; Neeraj Sood; Arleen Leibowitz
Many companies have defined-contribution benefit plans requiring employees to pay the full cost (before taxes) of more generous health insurance choices. Research has shown that employee decisions are quite responsive to these arrangements. What is less clear is how the total compensation package changes when health insurance premiums rise. This paper examines employee compensation decisions during a three-year period when health insurance premiums were rising rapidly. The data come from a si...
...,537B] Monta Vista Software, LLC, a Subsidiary of Cavium, Inc., Including Workers Whose Unemployment..., a Subsidiary of Cavium, Inc., Including Workers Whose Unemployment Insurance (UI) Wages are Reported..., Inc., Including Workers Whose Unemployment Insurance (UI) Wages, are Reported Through Trinet HR...
... contain the following information: (1) The name, address, and contact information for the reporting entity... individual or entity acting as an insurance carrier conducting business within the United States shall... salvage automobile; (4) The name of the individual or entity from whom the automobile was obtained and who...
, all types of workers experience unemployment, high-ability workers involuntarily. The raiding opportunities give rise to involuntary unemployment without changing the basic properties of the competitive model and thus suggest new implications of various institutional parameters on unemployment......, in particular, unemployment compensation, minimum wages, wage taxation, and search requirements....
Hubert, E.H.; Andersson, C.; Deprimoz, J.; Mayoux, J.C.; Richard, M.; Sartorelli, C.; Nocera, F.
This paper highlights three aspects of decommissioning of nuclear installations which relate, more or less directly, to legal options already applied or advocated. It reviews the regulatory conditions for decommissioning a nuclear installation and indicates legal provisions for financing decommissioning expenditures. It also describes the legal provisions to determine liabilities in case of nuclear damage and the assistance which insurers may provide to cover the consequences of such liabilities. (NEA) [fr
... 20 Employees' Benefits 1 2010-04-01 2010-04-01 false Exhaustion of rights to normal unemployment... RAILROAD UNEMPLOYMENT INSURANCE ACT DURATION OF NORMAL AND EXTENDED BENEFITS Extended Benefits § 336.11 Exhaustion of rights to normal unemployment benefits. For the purposes of this part, the Board considers that...
... 26 Internal Revenue 15 2010-04-01 2010-04-01 false Returns of the railroad unemployment repayment... unemployment repayment tax. (a) Requirement—(1) Employers. Every rail employer (as defined in section 3323(a) and section 1 of the Railroad Unemployment Insurance Act) shall make a return of the tax imposed by...
... Collection; Pell Grants and the Payment of Unemployment Benefits to Individuals in Approved Training... Pell Grants and the payment of unemployment benefits to individuals in approved training. DATES... November 26, 2012. ADDRESSES: Submit written comments to Scott Gibbons, Office of Unemployment Insurance...
Full Text Available Purpose and Originality: Goal of the study is analysis of the unemployment policy in Slovakia and policy measures to increase the employment rate. Research question: What was the development of unemployment in the period from 2006 to September 2016 and what measures were taken by the Ministry of Labour, Social Affairs and Family to reduce the unemployment rate in Slovakia? Method: Comparison of the unemployment rate in period between 2006 to 2016. Information was gathered from online sources and publications. Using the collected data, the individual unemployment rates in all Slovak regions and districts will be compared. Results: During examined period between 2006 and 2016 the highest unemployment rate was 14.40% in 2010. The paper also mentions the economic crisis that struck Slovakia between 2008 and 2010. During this period, the unemployment in Slovakia increased by 4.8%. The primary objective of the government was to reduce the unemployment rate below 10%. This has been achieved in March 2016. The positive news is the tendency of constantly falling unemployment in our country. Society: Unemployment is one of the negative phenomena in society. Job loss or inability to find a job application one is deprived of the possibility to implement and enforce own life goals. Unemployed, unless one can find a job, can enter the phase of adaptation to the lifestyle of the unemployed, which is characterized by resignation, loss of hope, passivity. A person ceases to be active, considering that his work does not make sense. Job loss affects negatively self-peception, lower self-esteem and leads to feelings of inferiority. Limitations: The aim of the Slovak Republic was in 2016 to keep unemployment below 10% and then continue the trend of reducing unemployment by new laws, inviting new investors and put into practice various measures, such as various programs for the unemployed.
Ammermueller, Andreas; Kuckulenz, Anja; Zwick, Thomas
Aggregate unemployment may affect individual returns to education through qualification-specific responses in participation and wage bargaining. This paper shows that an increase in regional unemployment by 1% decreases returns to education by 0.005 percentage points. This implies that higher skilled employees are better sheltered from labour…
Lin, Haizhen; Prince, Jeffrey T
To assess three possible determinants of individuals' response in their private insurance purchases to the availability of the Partnership for Long-Term Care (PLTC) insurance program: bequest motives, financial literacy, and program awareness. The health and retirement study (HRS) merged with data on states' implementation of the PLTC program. Individual-level decision on private long-term care insurance is regressed on whether the PLTC program is being implemented for a given state-year, asset dummies, policy determinant variable, two-way and three-way interactions of these variables, and other controls, using fixed effects panel regression. Analysis used a sample between 50 and 69 years of age from 2002 to 2010, resulting in 12,695 unique individuals with a total of 39,151 observations. We find mild evidence that intent to bequest influences individual purchase of insurance. We also find that program awareness is necessary for response, while financial literacy notably increases responsiveness. Increasing response to the PLTC program among the middle class (the stated target group) requires increased efforts to create awareness of the program's existence and increased education about the program's benefits, and more generally, about long-term care risks and needs. © Health Research and Educational Trust.
Boydell, J; Bebbington, P; Bhavsar, V; Kravariti, E; van Os, J; Murray, R M; Dutta, R
This study describes the incidence of psychosis in unemployed people and determines whether unemployment has a greater impact on the development of psychosis amongst Black minority groups than White groups. Patients with a first diagnosis of Research Diagnostic Criteria psychosis, in a defined area of London from 1998 to 2004, were identified. Crude and standardised incidence rates of psychosis amongst unemployed people for each ethnic group were calculated. Poisson regression modelling tested for interactions between unemployment and ethnicity. Hundred cases occurred amongst employed people and 78 cases occurred amongst the unemployed people. When standardised to the employed White population of the area, White unemployed people had a standardised incidence ratio (SIR) of 11.7 (95% CI 6.4-19.7), Black Caribbean people had a SIR of 60.1(95% CI 39.3-88) and Black African people had a SIR of 40.7 (95% CI 25.8-61.1). There was no interaction however between ethnicity and unemployment (Likelihood ratio test P = 0.54). Rates of psychosis are high amongst unemployed people in south London and extremely high amongst Black Caribbean and Black African unemployed people. There was no evidence however that the minority groups were particularly sensitive to the stresses, limitations or meaning of unemployment. © 2012 John Wiley & Sons A/S.
Hansen, Magnus Paulsen
investigates the transformation towards the ‘active society’ through the spectre of unemployment and how it is governed. Two puzzles in the transformations have motivated the inquiry: firstly, the co-existence of a plurality of different, and often contradictory, conceptions of who the unemployed are and why...... they are unemployed; and secondly, the co-existence of wills to emancipate the unemployed alongside the justification of using coercive measures towards them. This thesis argues that if we want to understand the varieties within the transformations, the “what?” question, it is necessary to address the “how?”; i...
Full Text Available The property flood resilience database (PFR-d has been created through a research feasibility study undertaken by the Building Research Establishment, AXA Insurance and Lexis Nexis Risk Solutions in the UK. The project was funded by Innovate-UK and was undertaken over the period of May 2014 to August 2015. There has been a growing realisation that flood management has to move from a position where flood defence (e.g. major river barriers and drainage infrastructure is the only solution to flood risk to one of flood resilience. This shift requires an increase in responsibility for a variety of stakeholders, including property owners. The PFR-d was conceived as a product that code fit within the existing insurance frameworks and systems. The PFR-d is a ‘missing piece of data’ for insurers that could assist in providing more appropriate insurance pricing in high flood risk areas, or where properties have suffered repeat flooding events.
Filges, Trine; Pico Geerdsen, Lars; Knudsen, Anne-Sofie Due
This systematic review studied the impact of exhaustion of unemployment benefits on the exit rate out of unemployment and into employment prior to benefit exhaustion or shortly thereafter. Method: We followed Campbell Collaboration guidelines to prepare this review, and ultimately located 12...
Berg, van den G.J.; Gijsbert, A.; Lomwel, van C.; Ours, van Jan C.
Youth unemployment is an issue of primary concern in WesternEuropean countries. In this paper we analyze dynamics in unemployment foryouths, adults (prime-aged individuals), and elderly. We use quarterly Frenchunemployment data, stratified by gender, age group, and duration, over theperiod
SCHMIDT, EMERSON P.; STEWART, CHARLES T.
HIGH UNEMPLOYMENT RESULTS IN ECONOMIC LOSSES TO THE ECONOMY AND IMPOSES SUFFERING ON MILLIONS OF INDIVIDUALS AND FAMILIES. OF THE MANY TYPES, LONG-TERM STRUCTURAL UNEMPLOYMENT AFFECTS MORE THAN ONE MILLION WORKERS AND IS MOST INTRACTABLE TO TREATMENT AND DISTURBING IN TERMS OF HUMAN HARDSHIP. MOST OF THE WORKERS CLASSIFIED AS STRUCTURALLY…
How can a state like Rhode Island have such a high unemployment rate? This question has been asked often over the past year, especially since at one point, Rhode Island found itself with the dubious distinction of having the highest unemployment rate in the United States. Following that extreme, Rhode Island seemed to settle into a niche where its rank was third nationally.
Mohammed, Shafiu; Bermejo, Justo Lorenzo; Souares, Aurélia; Sauerborn, Rainer; Dong, Hengjin
Responsiveness of health care services in low and middle income countries has been given little attention. Despite being introduced over a decade ago in many developing countries, national health insurance schemes have yet to be evaluated in terms of responsiveness of health care services. Although this responsiveness has been evaluated in many developed countries, it has rarely been done in developing countries. The concept of responsiveness is multi-dimensional and can be measured across various domains including prompt attention, dignity, communication, autonomy, choice of provider, quality of facilities, confidentiality and access to family support. This study examines the insured users' perspectives of their health care services' responsiveness. This retrospective, cross-sectional survey took place between October 2010 and March 2011. The study used a modified out-patient questionnaire from a responsiveness survey designed by the World Health Organization (WHO). Seven hundred and ninety six (796) enrolees, insured for more than one year in Kaduna State-Nigeria, were interviewed. Generalized ordered logistic regression was used to identify factors that influenced the users' perspectives on responsiveness to health services and quantify their effects. Communication (55.4%), dignity (54.1%), and quality of facilities (52.0%) were rated as "extremely important" responsiveness domains. Users were particularly contented with quality of facilities (42.8%), dignity (42.3%), and choice of provider (40.7%). Enrolees indicated lower contentment on all other domains. Type of facility, gender, referral, duration of enrolment, educational status, income level, and type of marital status were most related with responsiveness domains. Assessing the responsiveness of health care services within the NHIS is valuable in investigating the scheme's implementation. The domains of autonomy, communication and prompt attention were identified as priority areas for action to improve
Møller, Niels Framroze
What explains the persistence of unemployment? The literature on hysteresis, which is based on unit root testing in autoregressive models, consists of a vast number of univariate studies, i.e. that analyze unemployment series in isolation, but few multivariate analyses that focus on the sources...... of hysteresis. As a result, this question remains largely unanswered. This paper presents a multivariate econometric framework for analyzing hysteresis, which allows one to test different hypotheses about non-stationarity of unemployment against one another. For example, whether this is due to a persistently...... to UK quarterly data on prices, wages, output, unemployment and crude oil prices, suggests that, for the period 1988 up to the onset of the …financial crisis, the non-stationarity of UK unemployment cannot be explained as a result of slow adjustment, including sluggish wage formation as emphasized...
Buchtová, Božena; Smajs, Josef; Kulhavý, Viktor; Okrajek, Petr; Kukla, Lubomír
Previous unemployment studies mostly dealt with unemployments economic causes and consequences. Hidden causes of male unemployment, independent from socio-economic circumstances of a society, could consist, besides others, in natural biological factors - family experience during childhood. Theoretical background of our study included the concept of psychical deprivation, the concept of human ontogenesis developmental stages of E. Erikson and knowledge of biodromal psychology. Using data from the European Longitudinal Study of Parenthood and Childhood international project we compared groups of employed and unemployed men by means of a retrospective survey and we studied the following: 1. What differences there were in their childhood; 2. To what extent educational approaches transfer from parents to their children; 3. What influence has negative experience from childhood on the future assertion of men in the labour market. The survey set consisted of 3141 (88.7%) employed men and 399 (11.3%) unemployed men in 1991-1992. Basic research data were acquired by means of questionnaires. Relative risk was used to compare the groups of the employed and the unemployed. The employed men are more likely to be from complete families then the unemployed men. The unemployed men, in comparison to the employed men, 2.08 times more frequently spent their childhood in orphanages, children's villages or in foster families, 3.89 times more frequently attended special schools, 2.22 times more frequently lived away from home until the age of 18 and 2.51 times more frequently lived in detention centres or in diagnostic institutes until the age of 18 (p unemployed men were psychically and physically abused in their childhood. Consequences of negative experience from childhood decrease the chances of inclusion of young men into the labour market. Social roles of young men (future fathers) could be also distorted by such experience. Social integration and social success rate of the
Ingholt, Marcus Mølbak
Geographical mobility correlates positively with house prices and negatively with unemployment over the U.S. business cycle. I present a DSGE model in which declining house prices and tight credit conditions impede the mobility of indebted workers. This reduces the workers’ cross-area competition...... for jobs, causing wages and unemployment to rise. A Bayesian estimation shows that this channel more than quadruples the response of unemployment to adverse housing market shocks. The estimation also shows that adverse housing market shocks caused the decline in mobility during the Great Recession. Absent...
Full Text Available Development of methodology for deriving the monthly unemployment statistics directly from the quarterly Labour Force Survey (LFS results by econometric modeling meets the requirements of insuring the information on short-term needed for employment policies, aiming to achieve the objectives of Europe 2020. Estimated monthly data series according to the methodology allow assessment of short-term trends in unemployment measured according to the criteria of the International Labour Organisation (ILO in terms of comparability with European statistics.
Taylan Taner Doğan
Full Text Available This study investigates the response of unemployment to selective macroeconomics shocks over period of 2000:Q1-2010:Q1. It is found that positive shocks to growth, growth in export and and inflation reduce unemployment. On the other hand, shocks to exchange rate, interbank interest rate and money supply increase unemployment. Our results are consistent with Phillips curve and Okun’s Law suggestion. Namely, negative relationship between output and unemployment and positive relationship between unemployment and inflation are found. Also, this study found consistent results with earlier literature.
Ejrnaes, Mette; Hochguertel, Stefan
We study risk behavior of Danish self-employed entrepreneurs, whose income risk may be driven by both exogenous factors and effort choice (moral hazard). Partial insurance is available through voluntary unemployment insurance (UI). Additional incentives to sign insurance contracts stem from a
Tomi, Kyyrä,; Pierpaolo, Parrotta,; Rosholm, Michael
insurance benefit receipt. We find evidence of a negative in-treatment effect and a positive post-treatment effect, both of which vary across different groups of individuals. The resulting net effect on the expected unemployment duration is positive for some groups (e.g. married women) and negative......We consider the consequences of working part-time and receiving supplementary benefits for part-time unemployment in the Danish labor market. Following the timing-of-events approach we estimate causal effects of part-time work with supplementary benefits on the hazard rate out of unemployment...
Full Text Available This paper examines the health insurance industry’s response to the welliness movement between 1960 and 1990. Based primarily on insurance and personnel management trade publications, it argues that the health insurance industry cautiously joined the weliness campaigns of the 70s and 80s despite its on-going reservations regarding the actuarial basis for rate differentials. The industry’s business-like conservatism was overcome by its recognition of wellness promotion as a cost-control measure, public relations tool, and means to stave off the threat of further governmental oversight and regulation.
Karanassou, Marika; Snower, Dennis J.
This paper attempts to explain disparities among the unemployment experiences of different OECD countries in terms of the `fragility' of the short-run unemployment equilibrium (the impact of labour market shocks on the short-run unemployment rate) and the lag structure of the employment determination, wage setting, and labour force participation decisions. The effects of this lag structure on unemployment dynamics are captured through two general measures of `unemployment persistence' (occurr...
Smith, Ron P.; Zoega, Gylfi
In Keynes' General Theory, investment determines effective demand, which determines unemployment and the labour market plays a negligible role. In New Keynesian models, labour market institutions determine the natural rate of unemployment and the speed at which unemployment adjusts to it. Investment is mostly ignored as a key variable behind the problem of high unemployment, despite a strong empirical association between investment and unemployment. We discuss the evolution of the 'Keynesian'...
Full Text Available Unemployment highlights a state of imbalance on the labour market which is characterized by a surplus of workforce in relation to job vacancies. This imbalance has been more apparent in Hunedoara County than in other counties, due to the fact that there are 3 mono-industrial areas that have been restructured over the past two decades. The effects are presented in this paper in the form of a complex statistical analysis. Thus, based on the evolution of the number of unemployed individuals in 1995, one can observe the periods of significant adverse effects upon the degree of employment. Moreover, one can make correlations with periods of international financial crisis and with the number of employees in the County in order to determine significant variables of the unemployment phenomenon. The content of this paper is significant and represents the analysis of the number of unemployed in the Jiu Valley, scattered across towns. As a form of financial protection, the unemployment benefit represents a financial instrument in the cases determined by this negative phenomenon, which is why in conclusion we make a comparison of the ways this aid is granted throughout several years and in various forms.
Full Text Available In this study we review recent research literature focused on relationship between unemployment and depression, and theories emphasizing the mechanisms by which unemployment may contribute to increased levels of depression. Our research investigated depressive symptomatology and its predictors among unemployed people (N = 453 varying in length of unemployment. Results showed that self - mastery, self - esteem, financial strain, gender, intensity of job - seek behavior and length on unemployment were significant predictors of depressive symptoms. Results are discussed in light of current theories of unemployment and mental health and recommendations are made for practice.
Dana P. Goldman; Neeraj Sood; Arleen Leibowitz
This paper examines how compensation packages change when health insurance premiums rise. We use data on employee choices within a single large firm with a flexible benefits plan; an increasingly common arrangement among medium and large firms. In these companies, employees explicitly choose how to allocate compensation between cash and various benefits such as retirement, medical insurance, life insurance, and dental benefits. We find that a $1 increase in the price of health insurance leads...
Arni, P.; Lalive, R.; van Ours, J.C.
This paper provides a comprehensive evaluation of benefit sanctions, i.e. temporary reductions in unemployment benefits as punishment for noncompliance with eligibility requirements. In addition to the effects on unemployment durations, we evaluate the effects on post-unemployment employment
This study examines the extent state dependence among unemployed immigrants in a dynamic discrete choice framework. Three alternative methodologies are employed to control for the problem of the initial condition. The empirical findings show that there is a considerable correlation between the un...
Kolm, Ann-Sofie; Larsen, Birthe
zealous enforcement policy will in this case improve educational incentives as it reduces the attractiveness of remaining a low-educated worker. However, unemployment also increases. Characterizing the optimal enforcement policies, we find that relatively more audits should be targeted towards the sector...
van Schaik, A.B.T.M.; de Groot, H.L.F.
In this paper we develop a two-sector endogenous growth model with a dual labour market, based on efficiency wages. Growth is driven by intentional R&D performed in the high-tech and high-wage sector. It is examined how a change in rivalry among firms affects simultaneously growth and unemployment.
Meer, Peter H. van der
Although overschooling is regarded as the result of imperfect allocation in the labour market, hardly any attention has been given to the influence of another imperfection, unemployment. Several researchers report about an increasing incidence of overschooling in the Netherlands. Although a lot of
Dan Anderberg; Helmut Rainer; Jonathan Wadsworth; Tanya Wilson
Contrary to popular belief, the incidence of domestic violence in Britain does not seem to have risen during the recession. But according to research by Jonathan Wadsworth and colleagues, men and women have experienced different risks of unemployment - and these have had contrasting effects on the level of physical abuse.
Pedersen, Peder J.; Schmidt, Torben Dall
The purpose in this article is to evaluate the consistency between two measures of unemployment in a cross-country context. We use the European Community Household Panel to identify unemployment at an individual level based as well on the ILO criteria for being classified as unemployed...... as on the individual respondent reporting to be unemployed. This opens a unique opportunity to compare unemployment measured in two different ways based on a cross European Union panel study covering the years 1994 to 2001. The two main questions addressed in this article are to which extent the two unemployment...... measures differ and whether transition rates out of unemployment depend on which concept we use. Both questions are answered in the affirmative. The overall conclusion is that it is important, especially in some of the EU countries, to include both measures of unemployment as guidelines and indicators...
Baena Maestre, J.M.
The purpose of this paper is to contribute, as far as possible, to sounding the alarm so that executives and directors will be prepared for the effect mentioned above, without ruling out the possibility os someone else inside their company being responsible for studying and solving the problem. The millennium bug, Y 2k, 2000 Year's Shock, 2000 Effect, are some of the expressions used to name a common problem which will affect every computing system in all areas of the global economy, because both process and management computers that use the old-fashioned two digit date formats, will believe that the new year after 1999 is the year 1900. That mistake may produce unknown problems, due to lack of experience in establishing a universal basis of foreseeability. Therefore, we are facing a complex challenge, the possible solutions of which are still not unknown, but which, from the insurace point of view, and because of the definition itself of an accident as a sudden, unforeseen event causing damage to people or to things, we can state that those problems deriving from the Millennium Effect do not, fulfil the basic requirements of suddeness and unforeseeability, because both their existence and their possible effects are known and, therefore, Operators are obliged to take the necessary steps in order to avoid any demaging consequence. All Risk Managers must start a round of consultations with their brokers, advisers and insurance companies, with the intention of, if after having taken all the suitable steps accessible to the Operators, the Contractors and the Equipment Suppliers, an accident due to the Millenium Effect occurs, then the insurance companies will cover such sinisters. The suitable steps mentioned above include: identification of the affected systems, correction of the effect, performing of real or simulated tests proving that the correction has been succesful, and its acceptable from both technical and documentary points of view. In conclusion, it can be
Mosallam, Rasha A; Aly, Mahmoud M; Moharram, Ahmed M
Responsiveness to patients is a key indicator for measuring the health system performance with respect to nonhealth aspects. This study aimed to compare responsiveness of the Health Insurance Organization (HIO) with the private healthcare system and also to assess the importance of the different responsiveness domains according to the study population's perspective. Patients attending both inpatient and outpatient settings of both organizations were interviewed (200 outpatients and 200 inpatients from each selected hospital) using the WHO questionnaire. The questionnaire elicits the ratings of the respondents on their experiences with the healthcare system over the past 12 months in terms of responsiveness domains, respondents' inability to access medical care because of financial barriers, and their ranking of the relative importance of responsiveness domains. Almost twice the number of HIO participants reported poor responsiveness compared with the private organization participants (27.8 vs. 56.8%, respectively). The outpatient setting scored much favorably compared with the inpatient setting at the HIO (52.3% of respondents reported poor responsiveness in the outpatient setting compared with 76.3% in the inpatient setting); however, they were comparable in the private setting. Communication, prompt attention, and dignity were the domains most frequently rated as the most important (36.0, 32.0, and 14.7%, respectively). The type of organization (HIO vs. private organization) and setting of care (inpatient vs. outpatient) were significant predictors of responsiveness score (Pprivate sector. The results emphasize the importance of establishment of systems for monitoring the performance of the providers and discontinuation of the services for the nonperformers.
Lyk-Jensen, Stéphanie; Weatherall, Cecilie Dohlmann
European policymakers wonder whether the long-term unemployed can still find jobs if the benefit period is shortened. We investigate this question by analysing how long-term unemployed react to the threat of running out of unemployment insurance (UI) after receiving it for almost four years....... The empirical analysis is based on very precise administrative records of men’s unemployment spells. To identify the effect of UI exhaustion, we exploit a legislative change in the duration of benefits that progressively reduced UI entitlement from five to four years. Our results show a spike 3-6 months before...
Mroz, Thomas A.; Savage, Timothy H.
Using NLSY data, we examine the long-term effects of youth unemployment on later labor market outcomes. Involuntary unemployment may yield suboptimal investments in human capital in the short run. A theoretical model of dynamic human capital investment predicts a rational "catch-up" response. Using semiparametric techniques to control for the…
Full Text Available The article treats the social dimensions and paradox of the ideological perceptions related to the unemployment of the young. In the paper, Mrgole focuses on the presentation and analysis of rhetorical models and argumentative constructions constituting the basic set of accepted social perceptions about vocation vocational education, work and emploment. He proceeds by criticizing the fundamental premises of functionalist conceptions serving as the basis for predominant ideological models. Postulating linguistic conceptualisation as the basis, Mrgole derives the logic of perceiving employment. as a socially normative category, and Iilustrates the problem of juvenile unemployment in this light. The interpretation is founded on the results of the evaluation obtained by the experimental project entitled Centres for Younger Adults, in which Mrgole, as an associate of the Centre for Adult Education, has participated since 1995.
Carlsen, Kathrine; Ewertz, Marianne; Dalton, Susanne Oksbjerg; Badsberg, Jens Henrik; Osler, Merete
Though about 20% of working age breast cancer survivors do not return to work after treatment, few studies have addressed risk factors for unemployment. The majority of studies on occupational consequences of breast cancer focus on non-employment, which is a mixture of sickness absence, unemployment, retirement pensions and other reasons for not working. Unemployment in combination with breast cancer may represent a particular challenge for these women. The aim of the present study is therefore to analyze the risk for unemployment in the years following diagnosis and treatment for breast cancer. This study included 14,750 women diagnosed with breast cancer in Denmark 2001-2009 identified through a population-based clinical database and linked with information from Danish administrative population based registers for information on labour market affiliation, socio-demography and co-morbid conditions. Multivariable analyses were performed by Cox's proportional hazard models. Two years after treatment, 81% of patients were still part of the work force, 10% of which were unemployed. Increasing duration of unemployment before breast cancer was associated with an adjusted HR = 4.37 (95% CI: 3.90-4.90) for unemployment after breast cancer. Other risk factors for unemployment included low socioeconomic status and demography, while adjuvant therapy did not increase the risk of unemployment. Duration of unemployment before breast cancer was the most important determinant of unemployment after breast cancer treatment. This allows identification of a particularly vulnerable group of patients in need of rehabilitation.
Wulfgramm, Melike; Fervers, Lukas
This paper analyses the effect of unemployment insurance generosity and active labour market policy on reemployment stability in Europe. Using EU‐SILC and OECD data, we conduct discrete time survival analyses with shared frailty specification to identify policy effects at the micro and macro level....... These results point to a policy trade‐off between the well‐confirmed disincentive and locking‐in effect of unemployment benefits and ALMP programmes on the one hand, and their positive effect on reemployment stability on the other hand....
Morrisey, Michael A; Blackburn, Justin; Becker, David J; Sen, Bisakha; Kilgore, Meredith L; Caldwell, Cathy; Menachemi, Nir
This study examined the impact of the Great Recession of 2007-2009 on public health insurance enrollment and expenditures in Alabama. Our analysis was designed to provide a framework for other states to conduct similar analyses to better understand the relationship between macroeconomic conditions and public health insurance costs. We analyzed enrollment and claims data from Medicaid and the Children's Health Insurance Program (CHIP) in Alabama from 1999 through 2011. We examined the relationship between county-level unemployment rates and enrollment in Medicaid and CHIP, as well as total county-level expenditures in the two programs. We used linear regressions with county fixed effects to estimate the impact of unemployment changes on enrollment and expenditures after controlling for population and programmatic changes in eligibility and cost sharing. A one-percentage-point increase in a county's unemployment rate was associated with a 4.3% increase in Medicaid enrollment, a 0.9% increase in CHIP enrollment, and an overall increase in public health insurance enrollment of 3.7%. Each percentage-point increase in unemployment was associated with a 6.2% increase in total public health insurance expenditures on children, with Medicaid spending rising by 7.5% and CHIP spending rising by 1.8%. In response to the 6.4 percentage-point increase in the state's unemployment rate during the Great Recession, combined enrollment of children in Alabama's public health insurance programs increased by 24% and total expenditures rose by 40%. Recessions have a substantial impact on the number of children enrolled in CHIP and Medicaid, and a disproportionate impact on program spending. Programs should be aware of the likely magnitudes of the effects in their budget planning.
Full Text Available Abstract This paper develops a four-sector equilibrium search and matching model with informal sector employment opportunities and educational choice. We show that underground activities reduce educational attainments if informal employment opportunities mainly are available for low-educated workers. A more zealous enforcement policy will in this case improve educational incentives as it reduces the attractiveness of remaining a low-educated worker. However, unemployment also increases. Characterizing the optimal enforcement policies, we find that relatively more audits should be targeted towards the sector employing low-educated workers; elsewise, a too low stock of educated workers is materialized.
Redek, Tjaša; Sušjan, Andrej; Kostevc, Črt
The article analyses the position of the unemployed in the labour market, primarily relationship between self-concept and self-esteem of workers and their motivation to seek work. The current crisis dramatically worsened labour market situation, making employment almost impossible for many, primarily the vulnerable groups (older, women). Survey data used in cluster analysis reveal that the unemployment is related to self-concept, but besides unemployment also other ...
Faehn, Taran; Gomez-Plana, Antonio G.; Kverndokk, Snorre
This paper analyses the impact of carbon policy on unemployment in Spain and whether recycling the public revenues earned from permit auctions can alleviate this problem. While Spain's deviation from the European Union's intermediate emission goals is more serious than most other member countries' unemployment in Spain is also well above average for the European Union. We use a computable general equilibrium model that includes unemployment in the markets for unskilled and skilled labour. We find that introducing carbon permits does not aggravate Spanish unemployment. In fact, if supplied with revenue recycling schemes, unemployment rates may actually fall. Contrary to other European studies, we find that the best option is to reduce payroll taxes on relatively skilled types of labour. This reform is successful in both increasing labour demand and dampening the supply response to rising wages. However, while all of the recycling schemes generate dividends in terms of aggregate welfare, none entirely offsets the abatement costs. (author)
Full Text Available The article analyses the effects of obesity—a clear signal of weight abnormality—on unemployment and earnings among Finnish men and women. Our empirical data consist of the last four waves (waves 4 to 8 of the Finnish section of the European Community Household Panel (ECHP data collected between 1998 and 2001. According to our results, obese women have a significantly higher risk of unemployment (even after controlling for age, level of education and other related factors, than women who are not obese. Furthermore, the generally weaker occupational positions of obese women tend to translate to lower earnings. Overall, obese women are more likely to have weaker labour market attachment and hold socio-economically weaker positions. Similar results were not found among men. Thus, our results indicate the presence of gender discrimination in the Finnish labour market. In the conclusions we further discuss weight related impacts on succeeding in the labour market, but also its role as a possible risk factor in drifting away from employment. We reflect on this issue as a form of inequality that can have an increasing significance in the future.
Arni, P.; Lalive, R.; van Ours, J.C.
This paper provides a comprehensive evaluation of the effects of benefit sanctions on post-unemployment outcomes such as post-unemployment employment stability and earnings. We use rich register data which allow us to distinguish between a warning that a benefit reduction may take place in the near
Further development of nursing care insurance must consider both ethical aspects and scarcity of resources. An economy that serves human life has two principal targets: safeguarding the basis of existence and extension of the fulfillment of life. From an ethical perspective welfare and personal responsibility have to be equilibrated by promoting individuality and self-responsibility and maintaining relatives' willingness to become a caregiver. Discussing the role of prevention and rehabilitation in nursing care it is argued that the legally committed primacy of prevention and rehabilitation over care has still not been put into practise due to unresolved problems at the interface of health insurance and nursing care insurance as well as at the interface of inpatient and outpatient providers. Moreover, it seems necessary to strengthen prevention and rehabilitation in the context of care. A comprehensive understanding of individual demands for help, support, and care requires a revision of the common definition of need for care in terms of activities of daily living which neglects particularly psycho-social needs. Case management is a suitable approach to provide adequate and coordinated support as a prerequisite for quality of life in people in need for care. Overcoming compartmentalization of inpatient and outpatient sectors and crosslinking of services are described as essential challenges for future provision of nursing care insurance. Intensification of counseling and advice for patients and relatives, extension and diversification of local providers, upgrading of ambulant services, daily care and short-term care, diversification of nursing homes and other housing arrangements, further development of hospices and palliative care, and acceptance of institutions for the elderly as indispensable components of the future care system are discussed as specific tasks in the further development of nursing care insurance.
van Stel, A.; Thurik, R.; Verheul, I.; Baljeu, L.
We examine the relationship between entrepreneurship (as measured by fluctuations in the business ownership rate) and unemployment in Japan for the period between 1972 and 2002. We find that, although Japan’s unemployment rate has been influenced by specific exogenous shocks, the effects of
de Goede, Martijn; Spruijt, Ed; Maas, Cora; Duindam, Vincent
Examines how family and personal characteristics relate to the employment situation of adolescents (N=995) in Denmark. Results show that parental divorce, parental unemployment (only for males), low parental affective involvement, and adolescent relationship problems were related to youth unemployment, but educational career and work commitment…
Davis, J B
This paper examines the lack of health insurance coverage in the US as a public policy issue. It first compares the problem of health insurance coverage to the problem of unemployment to show that in terms of the numbers of individuals affected lack of health insurance is a problem comparable in importance to the problem of unemployment. Secondly, the paper discusses the methodology involved in measuring health insurance coverage, and argues that the current method of estimation of the uninsured underestimates the extent that individuals go without health insurance. Third, the paper briefly introduces Amartya Sen's functioning and capabilities framework to suggest a way of representing the extent to which individuals are uninsured. Fourth, the paper sketches a means of operationalizing the Sen representation of the uninsured in terms of the disability-adjusted life year (DALY) measure.
the private sector in Africa is embracing joint health insurance schemes for their ... the unemployed, the under-employed and the unemployable (who ...... Agyepong, A.I. and Adjei, S., 2008, 'Public Social Policy Development and Implementation: .... Johannesburg, South Africa', WBI Learning Resource Series: World Bank.
Smith, Alan D
As citizens find healthcare issues to be the most important for companies to address, cause-branding as a suitable analysis for competitive comparison of any healthcare insurance firm's CSR would be in order. When these healthcare issues are properly addressed through CSR programmes of appropriate service providers, society benefits from better health, and the company benefits from decreased claims. Possible backlash of negative publicity may occur when stakeholders envision the company as merely contributing to community welfare as a means of advertising its compassion in exchange for a greater portion of the healthcare insurance marketplace. Several healthcare insurance providers were inspected, one in greater detail, on a series of principles grounded in cause-branding strategies were included in the case study of CSR initiatives, followed by the practical applications of lessons learned from the case studies.
The insurance industry is waking up fast to the threat anthropogenic enhancement of the greenhouse effect poses to its future market security. This has been in large measure because of a suspicious escalation in losses from windstorms and drought-related wildfire in recent years. Articulating worst-case analysis fears of a global-warming future, senior industry figures in London, Zurich, Munich, Tokyo and New York have spoken of the potential for a global collapse of the insurance industry. Such an eventuality would have negative consequences in many areas of economic activity. These consequences have been little explored or appreciated in the climate-change debate to date. In some developing countries, meanwhile, withdrawal of catastrophe insurance cover is already threatening development. (author). 16 refs
These notes are intended as a general guide for the use of members of the Canadian Nuclear Association who are, or may become, involved in supplying goods or services or contracting/ erecting as part of a contract to supply a nuclear facility to an overseas country. They give information to the type of insurances needed and available, the parties normally responsible for providing the coverages, the intent and operation of the various policies, general methods of charging premiums, and main exclusions
Kristoffersen, Mark Strøm
In the wake of the financial and economic crisis the discussion about social insurance and optimal stabilization policies has re-blossomed. This paper adds to the literature by studying the effects of a business cycle dependent level of unemployment benefits in a model with labor market matching......, wealth heterogeneity, precautionary savings, and aggregate fluctuations in productivity. The results are ambiguous: both procyclical and countercyclical unemployment benefits can increase welfare relative to business cycle invariant benefits. Procyclical benefits are beneficial due to countercyclicality...
Theissen, A; Orban, J-C; Fuz, F; Guerin, J-P; Flavin, P; Albertini, S; Maricic, S; Saquet, D; Niccolai, P
The safe medication practices at the hospital constitute a major public health problem. Drug supply chain is a complex process, potentially source of errors and damages for the patient. SHAM insurances are the biggest French provider of medical liability insurances and a relevant source of data on the health care complications. The main objective of the study was to analyze the type and cause of medication errors declared to SHAM and having led to a conviction by a court. We did a retrospective study on insurance claims provided by SHAM insurances with a medication error and leading to a condemnation over a 6-year period (between 2005 and 2010). Thirty-one cases were analysed, 21 for scheduled activity and 10 for emergency activity. Consequences of claims were mostly serious (12 deaths, 14 serious complications, 5 simple complications). The types of medication errors were a drug monitoring error (11 cases), an administration error (5 cases), an overdose (6 cases), an allergy (4 cases), a contraindication (3 cases) and an omission (2 cases). Intravenous route of administration was involved in 19 of 31 cases (61%). The causes identified by the court expert were an error related to service organization (11), an error related to medical practice (11) or nursing practice (13). Only one claim was due to the hospital pharmacy. The claim related to drug supply chain is infrequent but potentially serious. These data should help strengthen quality approach in risk management. Copyright © 2014 Elsevier Masson SAS. All rights reserved.
Addision, John; Blackburn, McKinley L.
Displaced male workers with generous periods of advance notice tend to move directly into reemployment faster than their non-notified counterparts but once unemployed tend to escape from unemployment much more slowly. We examine three potential explanations for this puzzle associated with unemplo......Displaced male workers with generous periods of advance notice tend to move directly into reemployment faster than their non-notified counterparts but once unemployed tend to escape from unemployment much more slowly. We examine three potential explanations for this puzzle associated...... with unemployment insurance, the endogeneity of notice, and differential search intensity. Of these alternatives, the evidence suggests that it is the additional but less productive search time during the notice interval that creates the appearance of a puzzle....
Ejrnæs, Mette; Hochguertel, Stefan
We study risk behavior of Danish self-employed entrepreneurs, whose income risk may be driven by both exogenous factors and effort choice (moral hazard). Partial insurance is available through voluntary unemployment insurance (UI). Additional incentives to sign insurance contracts stem from a UI......-embedded, government-subsidized early retirement (ER) program, giving benefits that are unrelated to business risk. Indeed, we argue that the self-employeds' incentives to insure themselves stem from the ER plan rather than from the UI cover. We show how to use a policy reform to identify moral hazard in observed...
Carlsen, Kathrine; Ewertz, Marianne; Dalton, Susanne Oksbjerg
AIM: Though about 20% of working age breast cancer survivors do not return to work after treatment, few studies have addressed risk factors for unemployment. The majority of studies on occupational consequences of breast cancer focus on non-employment, which is a mixture of sickness absence......, unemployment, retirement pensions and other reasons for not working. Unemployment in combination with breast cancer may represent a particular challenge for these women. The aim of the present study is therefore to analyze the risk for unemployment in the years following diagnosis and treatment for breast...... cancer. METHOD: This study included 14,750 women diagnosed with breast cancer in Denmark 2001-2009 identified through a population-based clinical database and linked with information from Danish administrative population based registers for information on labour market affiliation, socio...
Antillón, Marina; Lauderdale, Diane S; Mullahy, John
Recent research has reported that habitually short sleep duration is a risk factor for declining health, including increased risk of obesity, diabetes and coronary heart disease. In this study we investigate whether macroeconomic conditions are associated with variation in mean sleep time in the United States, and if so, whether the effect is procyclical or countercyclical. We merge state unemployment rates from 2003 through 2012 with the American Time Use Survey, a nationally representative sample of adults with 24h time diaries. We find that higher aggregate unemployment is associated with longer mean sleep duration, with each additional point of state unemployment associated with an additional average 0.83 min of sleep (punemployment is associated with more sleeplessness. Instead, we find that higher state unemployment is associated with less frequent time use described as "sleeplessness" (marginal effect=0.05 at 4% unemployment and 0.034 at 14% unemployment, p<0.001), after controlling for a secular trend. Copyright © 2014 Elsevier B.V. All rights reserved.
... 48 Federal Acquisition Regulations System 5 2010-10-01 2010-10-01 false Unemployment compensation... Unemployment compensation. (a) Each state has its own unemployment compensation system to provide payments to... unemployment compensation benefits through a payroll tax on employers. Most DOE contractors are subject to the...
Young people face the risk of unemployment in a labor market characterized by a drift towards precarious employment (Kalleberg, 2013). Building on poststructuralist theory this study documents how young unemployed people’s understanding of unemployment is affected by neoliberal discourses, also...... reflected in the technologies applied by the institutions in the employment area. As a result, responsibility for unemployment is increasingly placed on the individual and self-blame is promoted as the predominant explanation. This qualitative study consists of a combination of field observations made...... people experience their situation and position themselves in regards to this normative encouragement to blame themselves. Personal branding and networking are identified as strategies enforced by the employment system and can be viewed as technologies of the self encouraging young people to commodify...
Juan F. Jimeno; Jose Vinals
Persistent unemployment is the top social and economic problem of most EU countries. Today, the unemployment rate in most EU countries is above ten percent and, although unemployment has decreased during expansions, the average EU unemployment rate within each cycle has increased since the early seventies. Although unemployment evolutions have been to some extent similar in EU countries, there are some outliers. On the one side, Portugal, Austria, the UK, the Netherlands, and Luxembourg, whic...
Full Text Available Unemployment is one of the most serious problems of the contemporary world, fact which is expressed not only by all European statistics, statistics showing a growing number of unemployed, despite the consistent concern of the governments of all developed countries. Worse is that the unemployment is the highest among young people up to 25 years, many of them being university graduates. This way the trend of young people to stop attending studies appeared ... seeing as useless their efforts to invest in their future through university studies, the chances of finding a job are minimal despite their diplomas. Hence the name of "the lost generation" - the way that young people are called nowadays. The market economy, based mainly on private property is not considering social issues, it pursues just one goal: profit, more exactly the profit maximization.
Bingley, Paul; Walker, Ian
of spouses. A model of labour supply is estimated for married women allowing for endogenous unemployment durations of husbands and wives, using 43531 married couples drawn from UK Family Expenditure Surveys 1978-92. Evaluating the impact of the reform requires that we distinguish between transfer programme......A recent reform to the UK Unemployment Insurance (UI) system has reduced the duration of entitlement from 12 to 6 months. The UI and welfare systems interact in the UK in such a way that exhaustion of UI for married individuals has potentially large disincentive effects on the labour supply...... induced incentive effects and any correlation between labour supply and wages within couples; complementarily between the leisure times of spouses; and a discouraged worker effect. We find that shifting households with a medium duration unemploymed husband from UI onto Income Support, the main UK welfare...
Full Text Available Migration issues in Croatia have been mostly discussed in relation to the recent increase in emigration, in particular related to the emigration of young and highly educated persons. However, active migration policy should consider immigration dynamics as well. In the framework of long-term prospects of the Croatian labour market, and taking into consideration the advanced effects of the demographic aging process, the issue of active immigration policy is expected to become more important in the future. The main goal of the paper is to analyse the existing position of immigrants on the Croatian labour market. Important characteristics of the Croatian labour market in recent years have been a high unemployment rate and high share of long-term unemployment. The effects of these adverse conditions are manifold, not only at the level of the economy (in terms of under-utilisation of available resources, but also at the level of affected individuals. Regarding individuals, the consequences of long-term unemployment frequently incorporate increased distance from the labour market due to the (perceived loss of skills. The aim of the paper is to investigate individual characteristics that predict either unemployment or long-term unemployment of the immigrant population in Croatia. The empirical analysis is based on the Labour Force Survey conducted by the Croatian Central Bureau of Statistics. Due to the data source used, the immigrant population is not defined on the basis of their nationality or citizenship. It entails all persons who were born outside Croatia and currently have permanent residence in the country. The second condition is directly related to the nature of the sample used for the Survey, where the sample frame relies on permanent residency. This implies that any short-term circular migrations (due to, for example, increased labour market during the tourist season are probably not covered by the data. To the extent that this is important
In this case the dominant economic discourse had penetrated the consciousness of a young man who was unemployed. Opening a conversation on the internalised effects of this discourse enabled a shift in response. Enabling consideration of the dominant discourse and facilitating such shifts in response are suggested as ...
Health insurance helps protect you from high medical care costs. It is a contract between you and your ... Many people in the United States get a health insurance policy through their employers. In most cases, the ...
The article discusses the effects of financing and technology advances on the availability of insurance for independent power producers operating gas turbines. Combined cycle units which require new materials and processes make it difficult to assess risk. Insurers are denying coverage, or raising prices and deductibles. Many lenders, however, are requiring insurance prior to financing. Some solutions proposed include information sharing by industry participants and insurers and increased risk acceptance by plant owners/operators
Van Lelyveld, Iman
In the last two decades a large number of game-theoretic models describing monetary policy have been used to examine the characteristics of policies over a wide range of 'rules of the game'. Regardless of the specification of the model, the degree of inflation aversion - relative to unemployment -
Svarer, Michael; Rosholm, Michael; Munch, Jakob Roland
In this paper we analyse how rent control affects the duration of individual unemployment. In atheoretical search model we distinguish between two effects of rent control. On one hand, rentcontrol reduces housing mobility and hence mobility in the labour market. On the other hand, tomaintain rent...
Lentz, Rasmus; Tranæs, Torben
and the wealthier the woman is, the longer it takes for her to find a job. The contrary is the case for men, where spouse income affects job finding positively: the more the wife earns, the faster the husband finds a job. This is so despite the fact that greater own wealth also prolongs unemployment spells for men...
Munch, Jakob Roland; Rosholm, Michael; Svarer, Michael
This article investigates the effects of homeownership on labour mobility and unemployment duration. We distinguish between finding employment locally or being geographically mobile. We find that homeownership hampers the propensity to move for job reasons, but improves the chances of finding local...
G. Noordzij (Gera)
textabstractDuring a ‘learning goal orientation’ training course for unemployed people, one of the participants, a woman in her forties, had a lot of resistance to participate in the course. I persuaded her to stay and assured her that all she had to do was sit down and watch. She persevered in her
Full Text Available Abstract Background It is well known that unemployment is a great problem both to the exposed individual and to the whole society. Unemployment is reported as more common among young people compared to the general level of unemployment. Inequity in health status and life-satisfaction is related to unemployment. The purpose of this population-based study was to describe QOL among unemployed young people compared to those who are not unemployed, and to analyse variables related to QOL for the respective groups. Methods The sample consisted of 264 young unemployed individuals and 528 working or studying individuals as a reference group. They all received a questionnaire about civil status, educational level, immigration, employment status, self-reported health, self-esteem, social support, social network, spare time, dwelling, economy and personal characteristics. The response rate was 72%. The significance of differences between proportions was tested by Fisher's exact test or by χ2 test. Multivariate analysis was carried out by means of a logistic regression model. Results Our results balance the predominant picture of youth unemployment as a principally negative experience. Although the unemployed reported lower levels of QOL than the reference group, a majority of unemployed young adults reported good QOL, and 24% even experienced higher QOL after being unemployed. Positive QOL related not only to good health, but also to high self-esteem, satisfaction with spare time and broad latitude for decision-making. Conclusion Even if QOL is good among a majority of unemployed young adults, inequalities in QOL were demonstrated. To create more equity in health, individuals who report reduced subjective health, especially anxiety need extra attention and support. Efforts should aim at empowering unemployed young adults by identifying their concerns and resources, and by creating individual programmes in relation not only to education and work, but also
Axelsson, Lars; Andersson, Ingemar H; Edén, Lena; Ejlertsson, Göran
It is well known that unemployment is a great problem both to the exposed individual and to the whole society. Unemployment is reported as more common among young people compared to the general level of unemployment. Inequity in health status and life-satisfaction is related to unemployment. The purpose of this population-based study was to describe QOL among unemployed young people compared to those who are not unemployed, and to analyse variables related to QOL for the respective groups. The sample consisted of 264 young unemployed individuals and 528 working or studying individuals as a reference group. They all received a questionnaire about civil status, educational level, immigration, employment status, self-reported health, self-esteem, social support, social network, spare time, dwelling, economy and personal characteristics. The response rate was 72%. The significance of differences between proportions was tested by Fisher's exact test or by chi2 test. Multivariate analysis was carried out by means of a logistic regression model. Our results balance the predominant picture of youth unemployment as a principally negative experience. Although the unemployed reported lower levels of QOL than the reference group, a majority of unemployed young adults reported good QOL, and 24% even experienced higher QOL after being unemployed. Positive QOL related not only to good health, but also to high self-esteem, satisfaction with spare time and broad latitude for decision-making. Even if QOL is good among a majority of unemployed young adults, inequalities in QOL were demonstrated. To create more equity in health, individuals who report reduced subjective health, especially anxiety need extra attention and support. Efforts should aim at empowering unemployed young adults by identifying their concerns and resources, and by creating individual programmes in relation not only to education and work, but also to personal development.
Wakker, P.P.; Thaler, R.H.; Tversky, A.
Probabilistic insurance is an insurance policy involving a small probability that the consumer will not be reimbursed. Survey data suggest that people dislike probabilistic insurance and demand more than a 20% reduction in premium to compensate for a 1% default risk. These observations cannot be
P.P. Wakker (Peter); R.H. Thaler (Richard); A. Tversky (Amos)
textabstractProbabilistic insurance is an insurance policy involving a small probability that the consumer will not be reimbursed. Survey data suggest that people dislike probabilistic insurance and demand more than a 20% reduction in the premium to compensate for a 1% default risk. While these
Filges, Trine; Larsen, Birthe
This paper examines the impact of unemployment, unemployment distribution, wages and welfare of Youth Unemployment Programmes (YUPs). This paper analyse what happens when the number of skilled workers increases relatively to the number of unskilled workers. The results depend on the productivity...... of the skilled workers when employed in the "skilled sector" relatively to the productivity of the unskilled worker....
In this paper I study the way in which individual unemployment durations vary over the business cycle, as measured by the aggregate unemployment rate. I decompose the cyclical variations in observed unemployment durations into a composition al and a general part. The compositional part consists...
... 20 Employees' Benefits 3 2010-04-01 2010-04-01 false Disaster Unemployment Assistance: Duration... DISASTER UNEMPLOYMENT ASSISTANCE § 625.7 Disaster Unemployment Assistance: Duration. DUA shall be payable... unemployment which begin during a Disaster Assistance Period. ...
Cylus, Jonathan; Glymour, M. Maria; Avendano, Mauricio
The recent economic recession has led to increases in suicide, but whether US state unemployment insurance programs ameliorate this association has not been examined. Exploiting US state variations in the generosity of benefit programs between 1968 and 2008, we tested the hypothesis that more generous unemployment benefit programs reduce the impact of economic downturns on suicide. Using state linear fixed-effect models, we found a negative additive interaction between unemployment rates and benefits among the US working-age (20–64 years) population (β = −0.57, 95% confidence interval: −0.86, −0.27; P unemployment rates on suicide is offset by the presence of generous state unemployment benefit programs, though estimated effects are small in magnitude. PMID:24939978
Cylus, Jonathan; Glymour, M Maria; Avendano, Mauricio
The recent economic recession has led to increases in suicide, but whether US state unemployment insurance programs ameliorate this association has not been examined. Exploiting US state variations in the generosity of benefit programs between 1968 and 2008, we tested the hypothesis that more generous unemployment benefit programs reduce the impact of economic downturns on suicide. Using state linear fixed-effect models, we found a negative additive interaction between unemployment rates and benefits among the US working-age (20-64 years) population (β = -0.57, 95% confidence interval: -0.86, -0.27; P unemployment rates on suicide is offset by the presence of generous state unemployment benefit programs, though estimated effects are small in magnitude. © The Author 2014. Published by Oxford University Press on behalf of the Johns Hopkins Bloomberg School of Public Health. All rights reserved. For permissions, please e-mail: email@example.com.
Stankunas, Mindaugas; Kalediene, Ramune; Starkuviene, Skirmante; Kapustinskiene, Violeta
In spite of a growing economy, unemployment is still a severe socio-economic problem in Lithuania. Nonetheless, no studies have been performed about the associations between unemployment and mental health in Lithuania. The aim of this study was to evaluate the associations between unemployment duration and depression in Lithuania. The data was collected in a cross-sectional study in 2005. There were 429 filled-in questionnaires received (53.6% response rate) from unemployed persons registered with the Kaunas Labour Market Office. The severity of depression symptoms was evaluated using the Beck Depression Inventory (BDI). Logistic regression was used to estimate the risk factors for occurrence of depression. Sex, age, place of residence, marital status, education, income and practiced religion were the independent variables. Long-term unemployment was defined as lasting a duration of 12 months or more. The findings showed that long-term unemployed persons had more episodes of a depressive mood in the past 12 months in comparison with the group of the short-term unemployed. In addition, the BDI score mean was higher among the long-term unemployed compared with the short-term unemployed (10.1 +/- 8.8 and 14.2 +/- 9.5 respectively, p unemployment and BDI score had a positive correlation (r = 0.1968, p unemployed, the risk of depression increased significantly when the person was female, had an older age and had experienced more episodes of unemployment. Among the long-term unemployed, an older age was the risk factor for development of depression. However, higher education and income were the factors that significantly decreased the risk of developing depression for-short term as well as for long-term unemployed. The results indicated that depression is a severe problem in the unemployed population. Depression is more elevated among the long-term unemployed. This leads to arguing for common efforts in providing needed social support and health care to reduce the
Antillón, Marina; Lauderdale, Diane S.; Mullahy, John
Recent research has reported that habitually short sleep duration is a risk factor for declining health, including increased risk of obesity, diabetes and coronary heart disease. In this study we investigate whether macroeconomic conditions are associated with variation in mean sleep time in the United States, and if so, whether the effect is procyclical or countercyclical. We merge state unemployment rates from 2003 through 2012 with the American Time Use Survey, a nationally representative ...
Den Haan, WJ; Riegler, M; Karner Rendahl, Robert Pontus
The interaction of incomplete markets and sticky nominal wages is shown to magnify business cycles even though these two features—in isolation—dampen them. During recessions, fears of unemployment stir up precautionary sentiments that induce agents to save more. The additional savings may be used as investments in both a productive asset (equity) and an unproductive nominal liquid asset. The desire to hold the nominal liquid asset puts deflationary pressure on the economy which, provided that...
Full Text Available Abstract Background In spite of a growing economy, unemployment is still a severe socio-economic problem in Lithuania. Nonetheless, no studies have been performed about the associations between unemployment and mental health in Lithuania. The aim of this study was to evaluate the associations between unemployment duration and depression in Lithuania. Methods The data was collected in a cross-sectional study in 2005. There were 429 filled-in questionnaires received (53.6% response rate from unemployed persons registered with the Kaunas Labour Market Office. The severity of depression symptoms was evaluated using the Beck Depression Inventory (BDI. Logistic regression was used to estimate the risk factors for occurrence of depression. Sex, age, place of residence, marital status, education, income and practiced religion were the independent variables. Long-term unemployment was defined as lasting a duration of 12 months or more. Results The findings showed that long-term unemployed persons had more episodes of a depressive mood in the past 12 months in comparison with the group of the short-term unemployed. In addition, the BDI score mean was higher among the long-term unemployed compared with the short-term unemployed (10.1 ± 8.8 and 14.2 ± 9.5 respectively, p Conclusion The results indicated that depression is a severe problem in the unemployed population. Depression is more elevated among the long-term unemployed. This leads to arguing for common efforts in providing needed social support and health care to reduce the effects of unemployment on mental health.
Mohammad Hasan Kheiravar
Full Text Available Employment is one of the core requirements of society, and unemployment is the origin of many economic, social, and cultural anomalies. Therefore, the necessity of investigating the current status of unemployment in Azarbayjan-e-Shargi province as well as the heavy responsibility of the central government and local officials to generate employment and alleviate unemployment, come into prominence. Accordingly, entrepreneurship as a key tool for creating jobs and reducing unemployment rate takes on an increasing importance among the country's experts and policymakers. A great deal of uncertainty surrounding the kind of relationship between entrepreneurship and unemployment exists in developing countries. Some experts argue that there is a positive relationship between these two economic variables, i.e., as unemployment rate rises after a few-year interval, entrepreneurship rate also increases. In contrast, some experts indicate an inverse relationship between entrepreneurship and employment, i.e., promotion of entrepreneurial activities decreases the rate of unemployment. This study investigates the relationship between entrepreneurship and unemployment rate in the industry of Azarbayjan-e-Shargi Province in Iran. Vector auto-regression (VAR econometrics was employed in examining this relationship. The findings indicated that an inverse relationship exist between entrepreneurship and unemployment rate in industrial sector of Azarbayjan-e-Shargi.
Babiker, Mustafa H.; Eckaus, Richard S.
This paper models the unemployment effects of restrictions on greenhouse gas emissions, embodying two of the most significant types of short-term economic imperfections that generate unemployment: sectoral rigidities in labor mobility and sectoral rigidities in wage adjustments. A labor policy is also analyzed that would reduce the direct negative economic effects of the emissions restrictions. The politics of limiting greenhouse gas emissions are often dominated by relatively short-term considerations. Yet the current economic modeling of emissions limitations does not embody economic features that are likely to be particularly important in the short term, in particular, the politically sensitive unemployment rate. Moreover, only a few of these studies also consider policies that would offset the negative direct economic effects of emissions restrictions. For plausible estimates of the parameters, the model shows that, with the labor market imperfections, if there were no offsetting policies, the reductions in GNP in the U.S. in the first 10 years after emissions restrictions were imposed would be as much as 4%. However, if there were two policies, instead of just one: a counteracting labor market policy, as well as the emissions restrictions, the negative direct economic effects could be completely eliminated
Llorente, Alejandro; Garcia-Herranz, Manuel; Cebrian, Manuel; Moro, Esteban
Recent widespread adoption of electronic and pervasive technologies has enabled the study of human behavior at an unprecedented level, uncovering universal patterns underlying human activity, mobility, and interpersonal communication. In the present work, we investigate whether deviations from these universal patterns may reveal information about the socio-economical status of geographical regions. We quantify the extent to which deviations in diurnal rhythm, mobility patterns, and communication styles across regions relate to their unemployment incidence. For this we examine a country-scale publicly articulated social media dataset, where we quantify individual behavioral features from over 19 million geo-located messages distributed among more than 340 different Spanish economic regions, inferred by computing communities of cohesive mobility fluxes. We find that regions exhibiting more diverse mobility fluxes, earlier diurnal rhythms, and more correct grammatical styles display lower unemployment rates. As a result, we provide a simple model able to produce accurate, easily interpretable reconstruction of regional unemployment incidence from their social-media digital fingerprints alone. Our results show that cost-effective economical indicators can be built based on publicly-available social media datasets.
Full Text Available Recent widespread adoption of electronic and pervasive technologies has enabled the study of human behavior at an unprecedented level, uncovering universal patterns underlying human activity, mobility, and interpersonal communication. In the present work, we investigate whether deviations from these universal patterns may reveal information about the socio-economical status of geographical regions. We quantify the extent to which deviations in diurnal rhythm, mobility patterns, and communication styles across regions relate to their unemployment incidence. For this we examine a country-scale publicly articulated social media dataset, where we quantify individual behavioral features from over 19 million geo-located messages distributed among more than 340 different Spanish economic regions, inferred by computing communities of cohesive mobility fluxes. We find that regions exhibiting more diverse mobility fluxes, earlier diurnal rhythms, and more correct grammatical styles display lower unemployment rates. As a result, we provide a simple model able to produce accurate, easily interpretable reconstruction of regional unemployment incidence from their social-media digital fingerprints alone. Our results show that cost-effective economical indicators can be built based on publicly-available social media datasets.
O. O. Didukh
The effect on the structure of youth unemployment factors such as age groups and distribution activities. Found that the most vulnerable to unemployment is the age group 15-24 years. Much attention is given to matching the level of education of young people and requirements of employers to their employees. Revealed that the necessary correction of the entire education system. Thus, the main conclusion is significant opportunity to improve the efficiency of the State Employment Center as one of the basic tools of the modern state youth policy. Proposed as an important step to regulate the problem of youth unemployment improvement of the State Employment Service, which should appeal to the international experience and to reform the mechanism of state support for entrepreneurship by providing incentives, subsidies or state aid to business expansion and others. That young people are the most responsive to the psychological perception of new technologies entrepreneurship.
The yearbook contains among others the figures of the nuclear insurance line. According to these these the DKVG (German nuclear power plant insurance association) has 102 member insurance companies all registered in the Federal Republic of Germany. By using reinsurance capacities of the other pools at present property insurance amounts to 1.5 billion DM and liability insurance to 200 million DM. In 1991 the damage charges on account of DKV amounted to 3.1 (1990 : 4.3) million DM. From these 0.6 million DM are apportioned to payments and 2.5 million DM to reserves. One large damage would cost a maximum gross sum of 2.2 billion DM property and liability insurance; on account of DKVG 750 million DM. (orig./HSCH) [de
A. Iturriza (Ana); A.S. Bedi (Arjun Singh); R.A. Sparrow (Robert)
textabstractIn 2001-02, Argentina experienced a wrenching economic crisis. Plan Jefes, implemented in May 2002, was Argentina's institutional response to the increases in unemployment and poverty triggered by the crisis. The program provided a social safety net and appears to have successfully
Wakker, P.P.; Thaler, R.H.; Tversky, A.
textabstractProbabilistic insurance is an insurance policy involving a small probability that the consumer will not be reimbursed. Survey data suggest that people dislike probabilistic insurance and demand more than a 20% reduction in the premium to compensate for a 1% default risk. While these preferences are intuitively appealing they are difficult to reconcile with expected utility theory. Under highly plausible assumptions about the utility function, willingness to pay for probabilistic i...
Norström, Thor; Grönqvist, Hans
How have suicide rates responded to the marked increase in unemployment spurred by the Great Recession? Our paper puts this issue into a wider perspective by assessing (1) whether the unemployment-suicide link is modified by the degree of unemployment protection, and (2) whether the effect on suicide of the present crisis differs from the effects of previous economic downturns. We analysed the unemployment-suicide link using time-series data for 30 countries spanning the period 1960-2012. Separate fixed-effects models were estimated for each of five welfare state regimes with different levels of unemployment protection (Eastern, Southern, Anglo-Saxon, Bismarckian and Scandinavian). We included an interaction term to capture the possible excess effect of unemployment during the Great Recession. The largest unemployment increases occurred in the welfare state regimes with the least generous unemployment protection. The unemployment effect on male suicides was statistically significant in all welfare regimes, except the Scandinavian one. The effect on female suicides was significant only in the eastern European country group. There was a significant gradient in the effects, being stronger the less generous the unemployment protection. The interaction term capturing the possible excess effect of unemployment during the financial crisis was not significant. Our findings suggest that the more generous the unemployment protection the weaker the detrimental impact on suicide of the increasing unemployment during the Great Recession. Published by the BMJ Publishing Group Limited. For permission to use (where not already granted under a licence) please go to http://group.bmj.com/group/rights-licensing/permissions.
To establish whether the high prevalence of alcohol abuse among unemployed people is explained by alcohol abuse causing unemployment, or vice versa. A 5-year postal follow-up survey of a community sample of unemployed from Grenland, southern Norway. Two hundred and twenty-eight unemployed people, registered for more than 12 weeks, aged 16 to 63 years. Response rate 74%. The Alcohol Use Disorder Identification Test (AUDIT) and DSM-III diagnoses of alcohol disorders in medical examinations. At the 5-year follow up, 23% of those still unemployed and 12% of those re-employed scored higher than the AUDIT cut-point of 10. Re-employment reduced the chance of scoring positive on the AUDIT to 34% of the chance for those still unemployed. Significant selection to long-term unemployment according to AUDIT score was not demonstrated. None of the 7% who had a DSM-III diagnosis of an alcohol disorder had a job 5 years later, however, suggesting that alcohol-related selection to unemployment does occur. The high prevalence of harmful drinking among Norwegian unemployed is explained mainly by unemployment causing alcohol abuse rather than vice versa. Reducing unemployment should contribute to reduced alcohol problems in Norway.
The importance of insurance in the school budget is the theme of this comprehensive bulletin on the practices and policies for Texas school districts. Also considered is the development of desirable school board policies in purchasing insurance and operating the program. Areas of discussion are: risks to be covered, amount of coverage, values,…
Ellis T. Williams
Standing timber is one of the few important kinds of property that are not generally covered by insurance. Studies made by the Forest Service and other agencies have indicated that the risks involved in the insurance of timber are not unduly great, provided they can be properly distributed. Such studies, however, have thus far failed to induce any notable development...
Mwabu Germano M
Full Text Available Abstract Background Studies conducted in developed countries using economic models show that individual- and household- level variables are important determinants of health insurance ownership. There is however a dearth of such studies in sub-Saharan Africa. The objective of this study was to examine the relationship between health insurance ownership and the demographic, economic and educational characteristics of South African women. Methods The analysis was based on data from a cross-sectional national household sample derived from the South African Health Inequalities Survey (SANHIS. The study subjects consisted of 3,489 women, aged between 16 and 64 years. It was a non-interventional, qualitative response econometric study. The outcome measure was the probability of a respondent's ownership of a health insurance policy. Results The χ2 test for goodness of fit indicated satisfactory prediction of the estimated logit model. The coefficients of the covariates for area of residence, income, education, environment rating, age, smoking and marital status were positive, and all statistically significant at p ≤ 0.05. Women who had standard 10 education and above (secondary, high incomes and lived in affluent provinces and permanent accommodations, had a higher likelihood of being insured. Conclusion Poverty reduction programmes aimed at increasing women's incomes in poor provinces; improving living environment (e.g. potable water supplies, sanitation, electricity and housing for women in urban informal settlements; enhancing women's access to education; reducing unemployment among women; and increasing effective coverage of family planning services, will empower South African women to reach a higher standard of living and in doing so increase their economic access to health insurance policies and the associated health services.
Unrath, Michael; Wellmann, Jürgen; Diederichs, Claudia; Binse, Lisa; Kalic, Marianne; Heuschmann, Peter Ulrich; Berger, Klaus
Few studies have investigated the impact of neighborhood characteristics on mortality after stroke. Aim of our study was to analyze the influence of district unemployment as indicator of neighborhood socioeconomic status (SES-NH) on poststroke mortality, and to compare these results with the mortality in the underlying general population. Our analyses involve 2 prospective cohort studies from the city of Dortmund, Germany. In the Dortmund Stroke Register (DOST), consecutive stroke patients (N=1883) were recruited from acute care hospitals. In the Dortmund Health Study (DHS), a random general population sample was drawn (n=2291; response rate 66.9%). Vital status was ascertained in the city's registration office and information on district unemployment was obtained from the city's statistical office. We performed multilevel survival analyses to examine the association between district unemployment and mortality. The association between neighborhood unemployment and mortality was weak and not statistically significant in the stroke cohort. Only stroke patients exposed to the highest district unemployment (fourth quartile) had slightly higher mortality risks. In the general population sample, higher district unemployment was significantly associated with higher mortality following a social gradient. After adjustment for education, health-related behavior and morbidity was made the strength of this association decreased. The impact of SES-NH on mortality was different for stroke patients and the general population. Differences in the association between SES-NH and mortality may be partly explained by disease-related characteristics of the stroke cohort such as homogeneous lifestyles, similar morbidity profiles, medical factors, and old age. Copyright © 2014 National Stroke Association. Published by Elsevier Inc. All rights reserved.
At the March, 1995, International Meeting on Population and Social Development in Copenhagen, during the session on unemployment, underemployment, and population it was stated that the problem of employment was the extent to which a nation's labor supply was not matched by labor demand or job opportunities. Population was thus a supply factor, and the country's economic situation was a demand factor. The demographic variables that were considered important in the supply of labor were: a) the size and rate of growth of the population, which was a function of the birth rate, the death rate, and migration; and b) the age structure of the population, which was also a product of the rate of growth of the population and its distribution. An imbalance between the supply of labor and the demand for it gave rise to unemployment and underemployment. The vicious cycle generated by a high dependency burden associated with a young age-structure led to low savings and investments, which in turn led to low economic growth and a low standard of living. This produced high fertility rates, which in turn heightened the dependency burden perpetuating the cycle. This vicious cycle could be broken at only two points: at the high fertility stage, primarily by introducing family planning programs; and at the stage of low economic growth, by adopting policies to accelerate economic growth. To be successful, however, both actions had to be pursued simultaneously. Numerous participants emphasized the global nature of the issue of unemployment and underemployment; the effects of international competition and restrictive trade policies on employment opportunities. The growing disparity between North and South had created a social injustice between countries. Several participants called for more humane policies that favored democracy and promoted human development, and asked for assistance to help create an enabling environment for social and economic development.
Shimer (2012) accounts for the volatility of unemployment based on a model of homogeneous unemployment. Using data on short-term unemployment he finds that most of unemployment volatility is accounted for by variations in the exit rate from unemployment. The assumption of homogeneous exit rates is inconsistent with the observed negative duration dependence of unemployment exit rates for the U.S. labor market. We construct a simple model of heterogeneous unemployment with short-term and long-t...
Strandh, Mattias; Novo, Mehmed; Hammarström, Anne
Previous research has shown that unemployment experiences increase the risk of poor mental health and that this effect differs depending on individual characteristics. Relatively little is known, however, about how the unemployment rate and labour market conditions impact the relationship. This study investigates how municipal unemployment rates and vacancy rates affect mental health in a nationally representative longitudinal survey of initially unemployed Swedish respondents. The study uses a nationally representative longitudinal survey of currently and recently unemployed people in Sweden, in which respondents were re-interviewed one year after the initial interview. Mental health was measured using the GHQ-12. The present article uses multilevel models (hierarchical linear models) to combine municipal-level information on unemployment levels and vacancy rates with individual-level control variables. Higher municipal vacancy rates improved mental health among the unemployed. However, no coherent effect of municipal unemployment rate on the relationship between unemployment and mental health was found. The effect of municipal vacancy rates can be understood in terms of the impact of perceived opportunity on the sense of life-course predictability. That there was no effect of municipal unemployment rate indicates that high local unemployment levels do not reduce the sense of shame and perceived stigma among the unemployed. Taken together, our findings would seem to present a rather bleak picture of the current dramatic labour market situation. The unemployed will be negatively affected by the extremely low demand for labour, while they will not be able to take comfort from their growing numbers.
"What are the macroeconomic consequences of an increase in labour supply? In the short run, unemployment occurs, due to both lack of aggregate demand and capital shortage. Demand-side policy and money wage restraint prove to be ineffective in this situation, owing to capital shortage. On the other hand, a reduction in working hours without wage compensation as well as a policy mix of both demand-side policy and investment policy turn out to be effective. The reduction in working hours lowers individual income and raises individual leisure, as compared to the policy mix." (SUMMARY IN GER) excerpt
-biasedtechnological shocks increase unemployment, this may explain why themarket it-self cannot respond to this by making it sufficiently attractiveto acquire skills. Consequently, the trade-off in-between subsidizing educationand thereby reducing unemployment and optimizing welfare maybe eliminated. We analyse this issue...... in a simple educational model andnext in a search equilibrium model including a skill choice decision.Keywords: Education, subsidies, efficiency, unemployment.JEL codes: I20, J64....
Cawley, John; Moriya, Asako S; Simon, Kosali
This paper investigates the impact of the macroeconomy on the health insurance coverage of Americans using panel data from the Survey of Income and Program Participation for 2004-2010, a period that includes the Great Recession of 2007-2009. We find that a one percentage point increase in the state unemployment rate is associated with a 1.67 percentage point (2.12%) reduction in the probability that men have health insurance; this effect is strongest among college-educated, white, and older (50-64 years old) men. For women and children, health insurance coverage is not significantly correlated with the unemployment rate, which may be the result of public health insurance acting as a social safety net. Compared with the previous recession, the health insurance coverage of men is more sensitive to the unemployment rate, which may be due to the nature of the Great Recession. Copyright © 2013 John Wiley & Sons, Ltd.
Cylus, Jonathan; Glymour, M Maria; Avendano, Mauricio
We assessed the impact of unemployment benefit programs on the health of the unemployed. We linked US state law data on maximum allowable unemployment benefit levels between 1985 and 2008 to individual self-rated health for heads of households in the Panel Study of Income Dynamics and implemented state and year fixed-effect models. Unemployment was associated with increased risk of reporting poor health among men in both linear probability (b=0.0794; 95% confidence interval [CI]=0.0623, 0.0965) and logistic models (odds ratio=2.777; 95% CI=2.294, 3.362), but this effect is lower when the generosity of state unemployment benefits is high (b for interaction between unemployment and benefits=-0.124; 95% CI=-0.197, -0.0523). A 63% increase in benefits completely offsets the impact of unemployment on self-reported health. Results suggest that unemployment benefits may significantly alleviate the adverse health effects of unemployment among men.
Morrell, S L; Taylor, R J; Kerr, C B
Morrell, Taylor and Kerr, from the University of Sydney's Department of Public Health, review the evidence of an association between unemployment and psychological and physical ill-health in young people aged 15-24 years. Aggregate data show youth unemployment and youth suicide to be strongly associated. Youth unemployment is also associated with psychological symptoms, such as depression and loss of confidence. Effects on physical health have been less extensively studies; however, there is some evidence for an association with raised blood pressure. Finally, the prevalence of lifestyle risk factors (cannabis use and, less consistently, tobacco and alcohol consumption) is higher in unemployed compared with employed young people.
Hung, Hung-Chih; Hung, Jia-Yi
1. Background Major portions of the Asia-Pacific region is facing escalating exposure and vulnerability to climate change and flood-related extremes. This highlights an arduous challenge for public agencies to improve existing risk management strategies. Conventionally, governmental funding was majorly responsible and accountable for disaster loss compensation in the developing countries in Asia, such as Taiwan. This is often criticized as an ineffective and inefficient measure of dealing with flood risk. Flood insurance is one option within the toolkit of risk-sharing arrangement and adaptation strategy to flood risk. However, there are numerous potential barriers for insurance companies to cover flood damage, which would cause the flood risk is regarded as uninsurable. This study thus aims to examine attitudes within the insurers about the viability of flood insurance, the decision-making processes of pricing flood insurance and their determinants, as well as to examine potential solutions to encourage flood insurance. 2. Methods and data Using expected-utility theory, an insurance agent-based decision-making model was developed to examine the insurers' attitudes towards the insurability of flood risk, and to scrutinize the factors that influence their decisions on flood insurance premium-setting. This model particularly focuses on how insurers price insurance when they face either uncertainty or ambiguity about the probability and loss of a particular flood event occurring. This study considers the factors that are expected to affect insures' decisions on underwriting and pricing insurance are their risk perception, attitudes towards flood insurance, governmental measures (e.g., land-use planning, building codes, risk communication), expected probabilities and losses of devastating flooding events, as well as insurance companies' attributes. To elicit insurers' utilities about premium-setting for insurance coverage, the 'certainty equivalent,' 'probability
Full Text Available The actual Civil code regulates for the first time in the Romanian legislation the intermediation contract, until its entering into force existing multiple situations that lent themselves to this legal operation, but did not benefit of such particular legal rules. Yet, the case law has shown that the situations that arise in the activity of the legal or natural persons are much more complex, this leading, in time, to the reglementation of such particular rules. Such a case is that found in the matter of insurance contracts, the position of the insurance intermediaries being regulated especially by Law no. 32/2000, according to which they represent the natural or legal persons authorized in the conditions of the above mentioned legal document, that perform intermediation activities in the insurance field, in exchange of a remuneration, as well as the intermediaries from the EU member states that perform such an activity on the Romanian territory, in accordance with the freedom in performing services. Therefore, the present paper aims to analyze the conclusion of such insurance contracts and to underline the particular position of the insurance brokers, having the following structure: 1 Introduction; 2 The reglementation of the intermediation contract/brokerage agreement in the Romanian Law; 3 The importance of the intermediaries in the insurance contracts; 4 The conclusion of the insurance contracts; 5 Conclusions.
This article examines masculinity in an area suffering from sustained high unemployment and unremitting hardship during the 1930s: the South Wales coalfield had some of the highest rates of male unemployment and the lowest participation rates of married women in paid employment in Britain. Particular attention is drawn to power relations between husband and wife by looking at the domestic division of labour and whether male unemployment affected the split in domestic responsibilities. Personal testimonies are used to assess how men filled their time whilst unemployed and the meanings they attached to their activities and relationships. It will be shown that some unemployed men engaged more in the home and that many men were able to maintain existing power relations with their wives by finding or creating alternative manual work and maintaining an elastic relationship with the home by continuing to spend the majority of their time in the company of other men.
This article deals with the question of how different resources affect the labour market integration of the young unemployed. Previous research has often focused on the effects of unemployment compensation benefits on labour market outcomes. However, for young unemployed people additional parental resources may be even more important. The article…
Special technical terms used in the world of insurance can hardly be found in general dictionaries. This is a gap which the 'Insurance dictionary' now presented is designed to fill. In view of its supplementary function, the number of terms covered is limited to 1200. To make this dictionary especially convenient for ready reference, only the most commonly used translations are given for each key word in any of the four languages. This dictionary is subdivided into four parts, each containing the translation of the selected terms in the three other languages. To further facilitate the use of the booklet, paper of different colours was used for the printing of the German, English, French and Greek sections. The present volume was developed from a Swedish insurance dictionary (Fickordbok Foersaekring), published in 1967, which - with Swedish as the key language- offers English, French and German translations of the basic insurance terms. (orig./HP) [de
Glavare, Maria; Löfgren, Monika; Schult, Marie-Louise
This study explored and analysed how patients experienced possibilities for, and barriers to, work return after participation in a multi-professional pain-rehabilitation program followed by a coached work-training program (CWT). Eleven informants (8 women/3 men) with long-term musculoskeletal pain who had participated in the CWT program for 4-21 months (mean=11) comprised the study. A qualitative emergent design was used. Data collected with interviews were analysed using the constant comparison method of grounded theory. Triangulation in researchers were used. The analyses of the interviews resulted in the development of a three-category theoretical model, which was named "a way back to work". The main category "Experience of a way back to work" consisted of the informants' experience during the process between unemployment and employment. The category "Support" describes the help the informants received from various actors, and the category "Negative response" describes negative responses from the actors involved, which was an important barrier in the process between unemployment and employment. Professional individualised support, participants feeling involved in their rehabilitation process, coaching at real workplaces and multi-professional team including health care personnel, were valuable during the process towards work.
Hammouda, A A
The extent and structure of open unemployment in the Hashemite Kingdom of Jordan was examined. The data on unemployment in Jordan come from censuses and labor force sample surveys. The last census was conducted in 1961 and obviously cannot provide current information, but a multipurpose household survey has been conducted annually since 1972. The survey sample is a stratified multistage random sample; 3 strata are distinquished, i.e., cities, camps, and rural areas. For this survey, the unemployed are defined as those persons who are physically unable to perform work and who want work and are actively seeking work but are unemployed at present. In this analysis, those persons among the unemployed who are in the age group 12-14 are excluded. 82.3% of the unemployed in the sample were men. The total unemployment rate was 1.6%, but the rate for women was 2.8% and that for men only 1.5%. The rate for women may be overstated to an unknown extent due to underreporting of women in the labor force, yet it seems unlikely that this factor would explain all of the differences in the extent of unemployment between men and women. The cultural bias against work for women outside the home exerts an influence in making it more difficult for women to find a job, but because of this bias many women do not even enter the labor force and hence cannot be unemployed. Most of the unemployed were in the 20-24 age group and to a lesser extent in the 15-19 age group. Almost 60% of the unemployed were in these 2 age groups. Beyond these ages, the percentages of unemployed decreased regularly with age, with the age group 40-44 as a minor exception. When taking sex into account, the 1st phenomenon to be observed was the highly skewed age distribution of female unemployed who were all under age 30. Of the unemployed men, most were also young, with 34.6% in the 20-24 age group and 52.9% younger than 25 years. For married women the low unemployment rate can be explained by the fact that many
... REQUIREMENTS BONDS AND INSURANCE Insurance 28.308 Self-insurance. (a) When it is anticipated that 50 percent or... risks, limits of coverage, assignments of safety and loss control, and legal service responsibilities... projected average loss; and (10) A disclosure of all captive insurance company and re-insurance agreements...
Gough, Margaret; Killewald, Alexandra
Unemployment has consequences for individuals, but its impacts also reverberate through families. This paper examines how families adapt to unemployment in one area of life--time in housework. Using 74,881 observations from 10,390 couples in the Panel Study of Income Dynamics, we estimate fixed effects models and find that individuals spend…
Rhee-Weise, Michelle; Horn, Michael B.
Even as the economy appears to have turned a corner, high unemployment persists. Strangely, as millions nationwide struggle to find work, there are millions of jobs that remain unfilled. High unemployment rates may therefore have less to do than commonly assumed with an economy that is not healthy enough to produce jobs or employers who are…
Research on unemployment started during the 1930’s and still attracts the attention of many researchers. It has been found that job loss has serious negative consequences for many aspects of the individual’s life. However, the influence of unemployment on the individual is not simple and is
Paul, Karsten I.; Moser, Klaus
The effect of unemployment on mental health was examined with meta-analytic methods across 237 cross-sectional and 87 longitudinal studies. The average overall effect size was d = 0.51 with unemployed persons showing more distress than employed persons. A significant difference was found for several indicator variables of mental health (mixed…
Organisation for Economic Cooperation and Development, Paris (France).
This report examines the causes and consequences of youth unemployment in Organisation for Economic Cooperation and Development (OECD) member countries. Summarized first is the youth unemployment situation since the 1974/1975 recession. In a section on recent developments in youth labor markets a series of tables and graphs provide data on youth…
M.C.W. Janssen (Maarten)
textabstractIn this paper, I study the wage a firm sets to attract high ability workers (hipo's) in situations of unemployment. I show that the higher unemployment, the larger a firm's incentives to sort high and low ability workers. Moreover, workers will signal their (high) ability in situations
Larsen, Jørgen Elm; Caswell, Dorte; Marston, Greg
The paper explores recent developments in Australian and Danish unemployment policies with a special focus on the technologies used to classify and categorize unemployed people on government benefits. Using governmentality as our theoretical framework, we consider the implications of reducing com...
Levin, Henry M.
Competing explanations for youth unemployment (demography, minimum wages, education and training, economic conditions) have profoundly different implications for policy. The history of youth unemployment in Australia and the United States is explored and the causes of the problem as well as some solutions are evaluated. (LC)
Kolm, Ann-Sofie; Larsen, Birthe
the impact of higher punishmentrates and a higher audit rate on labour market performance. We findthat a higher punishment rate reduces the size of the informal sectorand reduces unemployment. A higher audit rate has an ambiguousimpact on unemployment, and may actually increase the size of theunderground...
J. van Acht; J. Stam; A.R. Thurik (Roy); I. Verheul (Ingrid)
textabstractThe influence of industrial structure, more specifically of business ownership, is investigated on the level of unemployment in Japan. The question is to what extent business ownership, i.e., entrepreneurship, can reduce the level of unemployment. It will be concluded that Japan is
Palley, H A; Feldman, G; Gallner, I; Tysor, M
Because the unemployed and their families are often likely to develop stress-related health problems, ensuring them access to health care is a public health issue. Congressional efforts thus far to legislate health coverage for the unemployed have proposed a system that recognizes people's basic need for coverage but has several limitations.
Bonamore, Giorgio; Carmignani, Fabrizio; Colombo, Emilio
The effect of unemployment on mortality is the object of a lively literature. However, this literature is characterized by sharply conflicting results. We revisit this issue and suggest that the relationship might be non-linear. We use data for 265 territorial units (regions) within 23 European countries over the period 2000-2012 to estimate a multivariate regression of mortality. The estimating equation allows for a quadratic relationship between unemployment and mortality. We control for various other determinants of mortality at regional and national level and we include region-specific and time-specific fixed effects. The model is also extended to account for the dynamic adjustment of mortality and possible lagged effects of unemployment. We find that the relationship between mortality and unemployment is U shaped. In the benchmark regression, when the unemployment rate is low, at 3%, an increase by one percentage point decreases average mortality by 0.7%. As unemployment increases, the effect decays: when the unemployment rate is 8% (sample average) a further increase by one percentage point decreases average mortality by 0.4%. The effect changes sign, turning from negative to positive, when unemployment is around 17%. When the unemployment rate is 25%, a further increase by one percentage point raises average mortality by 0.4%. Results hold for different causes of death and across different specifications of the estimating equation. We argue that the non-linearity arises because the level of unemployment affects the psychological and behavioural response of individuals to worsening economic conditions. Copyright © 2014 Elsevier Ltd. All rights reserved.
Electrical utility companies have invested large sums in the establishment of nuclear facilities. For this reason it is normal for these companies to attempt to protect their investments as much as possible. One of the methods of protection is recourse to insurance. For a variety of reasons traditional insurance markets are unable to function normally for a number of reasons including, the insufficient number of risks, an absence of meaningful accident statistics, the enormous sums involved and a lack of familiarity with nuclear risks on the part of insurers, resulting in a reluctance or even refusal to accept such risks. Insurers have, in response to requests for coverage from nuclear power station operators, established an alternative system of coverage - insurance through a system of insurance pools. Insurers in every country unite in a pool, providing a net capacity for every risk which is a capacity covered by their own funds, and consequently without reinsurance. All pools exchange capacity. The inconvenience of this system, for the operators in particular, is that it involves a monopolistic system in which there are consequently few possibilities for the negotiation of premiums and conditions of coverage. The system does not permit the establishment of reserves which could, over time, reduce the need for insurance on the part of nuclear power station operators. Thus the cost of nuclear insurance remains high. Alternatives to the poor system of insurance are explored in this article. (author)
Compton, Wilson M; Gfroerer, Joe; Conway, Kevin P; Finger, Matthew S
The economic shock of 2008-2009 provided an opportunity to study the robustness of observed statistical associations between unemployment and problematic substance use. Data from 405,000 non-institutionalized adult participants in the 2002 to 2010 U.S. National Survey on Drug Use and Health were used to compare substance outcomes among unemployed and employed persons. Association of unemployment with substance outcomes was examined for the years 2002-2004, 2005-2007, 2008, and 2009-2010, corresponding to periods prior to and after the economic downturn of 2008. Multivariate logistic regression models adjusted for age, sex, race/ethnicity, education, urban/rural residence, current DSM-IV Major Depression, and local county unemployment rates. Higher rates of past month tobacco and illicit drug use, heavy alcohol use, and past-year drug or alcohol abuse/dependence were found among the unemployed. Markedly increased unemployment in 2009-2010 did not moderate the association between substance outcomes and employment. This association was not confounded by sex, age group, or race/ethnicity for tobacco and illicit drugs, although it varied for alcohol outcomes among 18-25 year-olds. Results based on retrospective data regarding marijuana use in the period prior to unemployment suggest its use was associated with future job loss. Employment status was strongly and robustly associated with problematic use of substances. Prevention and treatment interventions are warranted for a group whose employment and resulting insurance status may impair access to much needed health care. Published by Elsevier Ireland Ltd.
Saurel-Cubizolles, M J; Romito, P; Ancel, P Y; Lelong, N
To analyse the relation between unemployment and the psychological distress of mothers one year after childbirth. Multicentric survey concerning births occurring between September 1993 and July 1994. In France: two maternity units in the Parisian area and one in Champagne-Ardennes, in the east of France, comprising both urban and rural areas. Primipara and secondipara women were interviewed three times: at birth by a face to face interview, five months and 12 months after the birth, by postal questionnaires, with a 83% response rate for the two postal questionnaires. The analysis includes 632 women who answered all three stages of the survey. Psychological distress was mainly assessed one year after birth by the 12-item General Health Questionnaire. After adjustment for unwanted pregnancy, marital conflicts, marital status, hospitalisation of the baby during the last year, lack of confiding relationship, depressive or anxious troubles before pregnancy, age, educational level and parity, unemployed women had an excess of psychological distress compared with employed women (OR = 1.87; 95% CI = 1.12, 3.13). The ratios for housewives were very close to those of employed women. Among the unemployed women, 60% had recently been without a job, since a few months before or after the birth. An excess of psychological distress among unemployed compared with employed women was observed in all social groups defined by the current or last occupation, but with various extents. Psychological distress was specially linked to the employment status in the group of women with the more qualified occupations. Even after a birth, when women are very much involved in their maternal role, those seeking a job have worse mental health than those in a stable situation, either employed or housewives. In France, the unemployment rate among young women is high. It is specially important that social regulations protecting employment during and after pregnancy are adequately applied. Employers
Javier J. Pérez
Full Text Available The Okun law for Andalusia and Spain is estimated using quarterly data (1984-2000. We take a VAR approach that allows us to unveil the different dynamic behaviour of the relationship between the output gap and the unemployment gap in the two economies, as well as the asymmetric nature of that relationship. Our findings also suggest that the lower responsiveness of the unemployment gap to the output gap in Andalusia is related to two main factors: the flows out of the labour force in recession are larger in Andalusia, and the higher share of the agrarian unemployment.
The German Nuclear Power Plant Insurance (DKVG) Association was able to increase its net capacity in property insurance to 637 million marks in 1993 (1992: 589 million). The reinsurance capacity of the other pools included, the total amount covered now amounts to 2 billion marks in property incurance and 200 million marks in liability incurance. As in the year before the pool can reckon with a stable gross premium yield around 175 million marks. The revival of the US dollar has played a decisive role in this development. In 1993 in the domestic market, the DKVG offered policies for 22 types of property risk and 43 types to third-party risk, operating with a gross target premium of 65 million marks and 16 million marks, respectively. The DKVG also participated in 540 foreign insurance contracts. (orig./HSCH) [de
Hällsten, Martin; Edling, Christofer; Rydgren, Jens
Youth unemployment is a contemporary social problem in many societies. Youths often have limited access to information about jobs and limited social influence, yet little is known about the relationship between social capital and unemployment risk among youth. We study the effect of social capital on unemployment risk in a sample of 19 year olds of Swedish, Iranian, and Yugoslavian origin living in Sweden (N = 1590). We distinguish between two dimensions of social capital: occupational contact networks and friendship networks. First, ego's unemployment is found to be strongly associated with friends' unemployment among individuals of Yugoslavian origins and individuals of Swedish origin, but not Iranian origin. Second, occupational contact networks reduce unemployment risks for all groups, but especially so for Iranians. The effect sizes of the two dimensions are similar and substantial: going from low to high values on these measures is associated with a difference of some 60-70 percent relative difference in unemployment risk. The findings are robust to a number of different model specifications, including a rich set of social origin controls, personality traits, educational performance, friends' characteristics, and friendship network characteristics, as well as controls for geographical employment patterns. A sensitivity simulation shows that homogeneity bias need to be very strong to explain away the effect. Copyright Â© 2016 Elsevier Inc. All rights reserved.
Full Text Available This study discovers how unemployment rate explains the changes in the crime rate tendency in Europe by the two-stage-least square regression. The crime rate in the Economic and Monetary Union (EMU area is found evidently more sensitive to unemployment than the non-EMU countries. The adoption of a common currency also strengthens the connections of the criminal problem among the EMU countries. We found the seriousness of the endogenous bias involved using the OLS methodology, so previous findings on the small effect of unemployment on crime rate obtained by employing the OLS methodology could be unreliable. Empirically, a one-percentage-point increase in unemployment increases the property crime by nearly 9% on average. The large unemployment effect implies that the increase in the unemployment rate that occurred after the financial crisis in 2008, followed by the European sovereign-debt crisis, may account for the trending increasing tendencies of the crime rate in Europe. The high unemployment effect revealed markedly different policy implications than those that have previously been considered in the literature. These findings suggest that the key determinants for governmental authorities in the EMU area successfully mitigating crime would greatly depend on how the governments resolve their economic recession.
A contract to insure $1 against inflation is equivalent to a European call option on the consumer price index. When there is no deductible this call option is equivalent to a forward contract on the CPI. Its price is the difference between the prices of a zero coupon real bond and a zero coupon nominal bond, both free of default risk. Provided that the risk-free real rate of interest is positive, the price of such an inflation insurance policy first rises and then falls with time to maturity....
Full Text Available Youth joblessness was one of the main triggers of Tunisia’s January Revolution. Unemployment rate in Tunisia has increased from 13 percent in 2010 to 18.3 percent in 2011 (NIS, 2011. Young people and women are more affected by this increase in unemployment .Thus, the purpose of this study is to examine the effects of various individual and job-related characteristics on the probabilities of unemployment of females and males aged 15–29 and to explore policy actions to create jobs in Tunisia. These issues are addressed using data from a 2010 survey of the National Institute of Statistics that provided information on the employment status of youth aged 15–29. The main estimated results show first that individual’s age, gender, marital status, level of education, sector of economic activity, type of employment and region of residence are significantly related to the unemployment. The results indicate that, for young workers, unemployment incidence increases with the level of education. Education has a greater impact on the unemployment of females than on that of males. Second, there is a negative and significant effect of the agricultural, educational and health sectors on the probability of transition into unemployment for women and men in which case the estimated impact is greater for men. Third, coastal area and public employment are associated with lower probability of transition into unemployment. Finally, Tunisian policymakers are aware of the fact that the elected National Constituent Assembly and the transitional government have a set of challenging tasks to accomplish in order to lower the rate of youth unemployment. For instance, generating funds for business development and infrastructure in non-coastal regions, and collaborating with the private sector to promote investment– whether foreign or domestic – and employment for educated young people.
Filges, Trine; Larsen, Birthe
This paper challenges the traditional view that unemployment is high because insiders determine the union wage. The insiders in this paper are characterised by being more efficient when they search for a job than the outsiders, implying that they experience relatively less unemployment. We assume...... that wages are determined by a monopoly union and further that a union leader is elected by a majority voting rule. Insiders may prefer a lower wage that outsiders, implying the possibility of lower unemployment when insiders are decisive in the union than if outsiders were decisive in the union....
O'Reilly, Jacqueline; Eichorst, Werner; Gábos, András
Current levels of youth unemployment need to be understood in the context of increased labor market flexibility, an expansion of higher education, youth migration, and family legacies of long-term unemployment. Compared with previous recessions, European-wide policies and investments have...... significantly increased with attempts to support national policies. By mapping these developments and debates, we illustrate the different factors shaping the future of European labor markets. We argue that understanding youth unemployment requires a holistic approach that combines an analysis of changes...
Altmann, Steffen; Falk, Armin; Grunewald, Andreas
This article provides evidence that involuntary unemployment, and the segmentation of labour markets into firms offering "good" and "bad" jobs, may both arise as a consequence of contractual incompleteness.We provide a simple model that illustrates how unemployment and market segmentation may...... jointly emerge as part of a market equilibrium in environments where work effort is not third-party verifiable. Using experimental labour markets that differ only in the verifiability of effort, we demonstrate empirically that contractual incompleteness can cause unemployment and segmentation. Our data...
Kaspersen, Silje L; Pape, Kristine; Vie, Gunnhild Å; Ose, Solveig O; Krokstad, Steinar; Gunnell, David; Bjørngaard, Johan H
Many studies have investigated how unemployment influences health, less attention has been paid to the reverse causal direction; how health may influence the risk of becoming unemployed. We prospectively investigated a wide range of health measures and subsequent risk of unemployment during 14 years of follow-up. Self-reported health data from 36 249 participants in the Norwegian HUNT2 Study (1995-1997) was linked by a personal identification number to the National Insurance Database (1992-2008). Exact dates of unemployment were available. Cox's proportional hazard models were used to estimate hazard ratios (HR) for the association of unemployment with several health measures. Adjustment variables were age, gender, education, marital status, occupation, lifestyle and previous unemployment. Compared to reporting no conditions/symptoms, having ≥3 chronic somatic conditions (HR 1.78, 95% CI 1.46-2.17) or high symptom levels of anxiety and depression (HR 1.57, 95% CI 1.35-1.83) increased the risk of subsequent unemployment substantially. Poor self-rated health (HR 1.36, 95% CI 1.24-1.51), insomnia (HR 1.19, 95% CI 1.09-1.32), gastrointestinal symptoms (HR 1.17, 95% CI 1.08-1.26), high alcohol consumption (HR 1.17, 95% CI 0.95-1.44) and problematic use of alcohol measured by the CAGE questionnaire (HR 1.32, 95% CI 1.17-1.48) were also associated with increased risk of unemployment. People with poor mental and physical health are at increased risk of job loss. This contributes to poor health amongst the unemployed and highlights the need for policy focus on the health and welfare of out of work individuals, including support preparing them for re-employment. © The Author 2015. Published by Oxford University Press on behalf of the European Public Health Association. All rights reserved.
Pape, Kristine; Vie, Gunnhild Å.; Ose, Solveig O.; Krokstad, Steinar; Gunnell, David; Bjørngaard, Johan H.
Abstract Background: Many studies have investigated how unemployment influences health, less attention has been paid to the reverse causal direction; how health may influence the risk of becoming unemployed. We prospectively investigated a wide range of health measures and subsequent risk of unemployment during 14 years of follow-up. Methods: Self-reported health data from 36 249 participants in the Norwegian HUNT2 Study (1995–1997) was linked by a personal identification number to the National Insurance Database (1992–2008). Exact dates of unemployment were available. Cox’s proportional hazard models were used to estimate hazard ratios (HR) for the association of unemployment with several health measures. Adjustment variables were age, gender, education, marital status, occupation, lifestyle and previous unemployment. Results: Compared to reporting no conditions/symptoms, having ≥3 chronic somatic conditions (HR 1.78, 95% CI 1.46–2.17) or high symptom levels of anxiety and depression (HR 1.57, 95% CI 1.35–1.83) increased the risk of subsequent unemployment substantially. Poor self-rated health (HR 1.36, 95% CI 1.24–1.51), insomnia (HR 1.19, 95% CI 1.09–1.32), gastrointestinal symptoms (HR 1.17, 95% CI 1.08–1.26), high alcohol consumption (HR 1.17, 95% CI 0.95–1.44) and problematic use of alcohol measured by the CAGE questionnaire (HR 1.32, 95% CI 1.17–1.48) were also associated with increased risk of unemployment. Conclusion: People with poor mental and physical health are at increased risk of job loss. This contributes to poor health amongst the unemployed and highlights the need for policy focus on the health and welfare of out of work individuals, including support preparing them for re-employment. PMID:26715474
Full Text Available This paper aims to test natural rate of unemployment and approach of unemployment hysteresis in MENA*** countries for the period of 1991-2014 by using panel data analysis methods which considering the cross-sectional dependency properties. Cross-sectional dependency test results indicate that there is cross-section dependency among all variables. According to CADF test results, unemployment rates in all countries have unit root. According to the CIPS test results, unemployment rates in MENA countries has unit root. In this context, all the impact of a shock can be seen on the unemployment rate in the mentioned region is permanent. Therefore; it can be said that the current approach of unemployment hysteresis in the region countries are valid.
... 48 Federal Acquisition Regulations System 1 2010-10-01 2010-10-01 false Transportation insurance... MANAGEMENT TRANSPORTATION General 47.102 Transportation insurance. (a) The Government generally (1) retains... assumed responsibility. The cost of this insurance to the carrier shall be part of the transportation cost...
Brown, S; Taylor, K
We model unemployment duration, reservation and expected wages simultaneously for individuals not in work, where wage expectations are identified via an exogenous policy shock. The policy shock increased expected wages, which were found to be positively associated with reservation wages.
Data from the 2004 wave of the Ethiopian Urban Socio Economic Survey on four major cities of .... public sector jobs and for those with their fathers are civil servants. Haile (2003), using ... not address rural unemployment. Two econometric ...
van der Ploeg, F.
Although unconditional unemployment benefits destroy jobs in competitive and noncompetitive labor markets, conditional benefits can spur job growth in noncompetitive labor markets. Unconditional benefits reduce the penalty of shirking and misconduct, while conditional benefits increase this penalty.
Nagore Garcia, Amparo
This thesis addresses relevant questions related to labour market transitions in Spain. Using administrative records data from Spanish Social Security and applying correlated competing risks models, the impact of the current recession on unemployment and employment transitions and gender differences
Barışık, Salih; Cevik, Emrah Ismail
High levels of inflation and unemployment have been experienced together in the world after 1970’s. Efforts of decreasing inflation have been achieved in the world after 1990’s. The fact that there has been no evidence the unemployment rate beginning to decrease despite the increasing growth rates in the USA and Europe countries recalls hysteresis effect. This phenomenon observed in Turkey after 1994 and 2001 crises. This paper examines hysteresis effect in sector-specific unemployment in Tur...
Many OECD countries have, or have had, a policy that exempts older unemployed people from the requirement to search for a job. An aging population and low participation by older workers in the labor market increasingly place public finances under strain, and spur calls for policy measures that activate labor force participation by older workers. Introducing job search requirements for the older unemployed aims to increase their re-employment rates. Abolishing the exemption from job search req...
Iglesias-García, Celso; Sáiz, Pilar A; Burón, Patricia; Sánchez-Lasheras, Fernando; Jiménez-Treviño, Luis; Fernández-Artamendi, Sergio; Al-Halabí, Susana; Corcoran, Paul; García-Portilla, M Paz; Bobes, Julio
The aim of the present work is to determine the association between unemployment and suicide, and to investigate whether this association is affected by changes in the economic cycle or other variables such as age and sex. A time-trend analysis was conducted to study changes in the number of suicides between 1999 and 2013 in Spain. Pearson's correlation coefficients and regression models were used to find the association between unemployment and suicide. A significant positive association was found between unemployment and suicide in the pre-crisis period in men. In that period (1999-2007), each 1% annual increase in unemployment was associated with a 6.90% increase in the annual variation of suicide in the total population, and with a 9.04% increase in the annual variation of suicide in working age men. The correlation between unemployment and suicide is significant in periods of economic stability, but has weakened during the recent financial crisis. Unemployment and suicide have a complex relationship modulated by age, sex and economic cycle. Copyright © 2017 SEP y SEPB. Publicado por Elsevier España, S.L.U. All rights reserved.
... 20 Employees' Benefits 3 2010-04-01 2010-04-01 false Applications for Disaster Unemployment... LABOR DISASTER UNEMPLOYMENT ASSISTANCE § 625.8 Applications for Disaster Unemployment Assistance. (a... unemployment shall be filed with respect to the individual's applicable State at the times and in the manner as...
Full Text Available The issue of crop protection is very important because of a variety of risks that could cause difficult consequences. One type of risk protection is insurance. The author in the paper states various models of insurance in some EU countries and the systems of subsidizing of insurance premiums by state. The author also gives a picture of crop insurance in the U.S., noting that in this country pays great attention to this matter. As for crop insurance in Serbia, it is not at a high level. The main problem with crop insurance is not only the risks but also the way of protection through insurance. The basic question that arises not only in the EU is the question is who will insure and protect crops. There are three possibilities: insurance companies under state control, insurance companies that are public-private partnerships or private insurance companies on a purely commercial basis.
Gould, Elise; Hertel-Fernandez, Alexander
This paper examines recent trends in health insurance cost and coverage for the near-elderly population (aged 55 to 64), with particular attention directed toward the implications of the 2007 recession. We examine coverage by demographic and socioeconomic characteristics from the Current Population Survey and the Medical Expenditure Panel Survey. We also estimate the effects of projected increases in the unemployment rate for employer-sponsored insurance coverage of the near elderly in 2009 and 2010. Erosion in coverage is likely to be exacerbated in the short run by the 2007 recession, given rapidly rising unemployment among this age cohort, and in the long-run, given the inability of the labor market to support increased labor market participation of older Americans in jobs that would have traditionally provided health insurance coverage.
Change of name for AUSTRIA As of October 1, the AUSTRIA Assurances S.A. company will change its name to: UNIQA Assurances S.A. It inherits the same name as its parent Austrian company, which adopted it towards the end of 1999. This change has no effect on the contract which binds it to CERN for the administration of our Health Insurance Scheme. New insurance cards will be sent to you by UNIQA and the printed forms and envelopes will gradually be updated with the new name. Postal and phone addresses remain unaffected by the change. You should address your postal mail to: UNIQA Assurances rue des Eaux Vives 94 case postale 6402 1211 Genève 6 You may telephone your usual contact persons at the same numbers as before and send e-mails to the UNIQA office at CERN at: UNIQA.Assurances@cern.ch
The CERN-AUSTRIA Agreement, which implemented CERN's health insurance scheme, expired on 31 December 1999.In accordance with CERN's rules, a call for tenders for the management of the health insurance scheme was issued and the contract was once again awarded to AUSTRIA. In June 1999, the Finance Committee thus authorised the Management to conclude a new contract with AUSTRIA, which came into force on 1st January 2000.Continuity is thus assured on favourable conditions and the transition from one contract to the other will entail no substantial changes in the system for those insured at CERN except for a few minor and purely formal amendmentsWHAT REMAINS UNCHANGEDThe list of benefits, i.e. the 'cover' provided by the system, is not changed;Neither is the reimbursement procedure.AUSTRIA's office at CERN and its opening hours as well as its city headquarters remain the same. The envelopes containing requests for reimbursement have had to be sent (since the end of 1998) to :Rue des Eaux-Vives 94Case postale 64021...
Scherbaum, N; Specka, M; Kaspar, C; Mikoteit, T; Lieb, B
In the SUNRISE-project, the unemployment benefit office refers long-term unemployed clients (25-49 years old) to medical and psychological specialists of an addiction clinic, if substance-related problems are suspected as an obstacle for job placement. The present study aims at characterizing these clients with respect to educational qualifications, vocational training, diagnosed addictive disorders, and other mental disorders. Of special interest is the temporal sequence of unemployment and addictive disorders. Officials referred clients to medical examination if substance abuse was suspected. The examination was based on Europ-ASI, diagnosis of mental disorders based on SCID-I and SCID-II. In 87 out of the first 100 examined persons, an addictive disorder was diagnosed, most frequently alcohol-related disorders, and often multiple addictive disorders. These 87 clients were on average 40 years old (SD 8.5), and mostly male (73 out of 87 clients). About one-third had very low school qualification, and 55.2% had not completed vocational training. An additional psychiatric diagnosis was made in 51.7%. Addictive disorders had commenced during adolescence or early adulthood in most cases. The longest duration of continuous employment was 3 years (median). In only a few cases (7.4%), the current period of unemployment had started before regular substance use. Many long-term unemployed clients examined here showed deficits in schooling and vocational training, early onset of regular substance use, and additional mental disorders. In most cases, the addictive disorder did not emerge as a consequence of unemployment, but had existed before. Programs combining the efforts of unemployment benefit offices and the healthcare system are needed for these clients to help them gain access to the regular job market. © Georg Thieme Verlag KG Stuttgart · New York.
Full Text Available Through implementation of various forms of group and individual counselling, and team approach, the Employment Agency is achieving its goal, stating that the involvement of every individual in employment programmes should be defined by his or her planned career. This basically means that the unemployed should be motivated to actively engage in planning their careers and in seeking for employment. In order to enable individuals to assess their abilities and prepare to present themselves to potential employers, the Agency has designed a workshop entitled "Ways to work and jobs". Its primary target is motivating the participants for solving the problem of work and employment. Individuals too often believe that their employment problems should be solved by third parties instead of assuming personal responsibility. Many of the unemployed think that they are in dire straits; they need to be dissuaded, shown that the seemingly hopeless situation is a mere misconception , and that unemployment is in a way a trial which might lead to a better, more fulfilling period of life and work.
van Ours, J.C.; Tuit, S.
We study how changes in the maximum benefit duration affec the inow into unemployment in the Netherlands. Until August 2003, workers who became un- employed after age 57.5 were entitled to unemployment benefits until the age of 65, after which they would receive old age pensions. This characteristic
Ayllón, Sara; Ferreira-Batista, Natalia N
This paper studies changes in the patterns of drug consumption and attitudes towards drugs in relation to sky-high (youth) unemployment rates brought about by the Great Recession. Our analysis is based on data for 28 European countries that refer to young people. We find that the consumption of cannabis and 'new substances' is positively related to increasing unemployment rates. An increase of 1% in the regional unemployment rate is associated with an increase of 0.7 percentage points in the ratio of young people who state that they have consumed cannabis at some point in time. Our findings also indicate that higher unemployment may be associated with more young people perceiving that access to drugs has become more difficult, particularly access to ecstasy, cocaine and heroin. According to young Europeans, when the economy worsens, anti-drug policies should focus on the reduction of poverty and unemployment, and not on implementing tougher measures against users. Copyright © 2017 The Authors. Published by Elsevier B.V. All rights reserved.
Egan, Mark; Daly, Michael; Delaney, Liam; Boyce, Christopher J; Wood, Alex M
Existing research on Big Five personality and unemployment has relied on personality measures elicited after the respondents had already spent years in the labor market, an experience that could change personality. We clarify the direction of influence by using the British Cohort Study (N = 4,206) to examine whether conscientiousness and other Big Five personality traits at age 16-17 predict unemployment over age 16-42. Our hypothesis that higher conscientiousness in adolescence would predict lower unemployment was supported. In analyses controlling for intelligence, gender, and parental socioeconomic status, the less conscientious (-1 SD) had a predicted probability of unemployment twice as high (3.4% vs. 1.7%) as the highly conscientious (+1 SD), an effect size comparable to intelligence. Mediation analysis revealed that academic motivation and educational attainment explained only 8.9% of this association. Fostering conscientiousness in early life may be an effective way to reduce unemployment throughout adulthood. (PsycINFO Database Record (c) 2017 APA, all rights reserved).
Böheim, Renè; Horvath, Gerard Thomas; Winter-Ebmer, Rudolf
Decomposing wages into worker and firm wage components, we find that firm-fixed components are sizeable parts of workers' wages. If workers can only imperfectly observe the extent of firm-fixed components in their wages, they might be misled about the overall wage distribution. Such misperceptions may lead to unjustified high reservation wages, resulting in overly long unemployment durations. We examine the influence of previous wages on unemployment durations for workers after exogenous lay-offs and, using Austrian administrative data, we find that younger workers are, in fact, unemployed longer if they profited from high firm-fixed components in the past. We interpret our findings as evidence for overconfidence generated by imperfectly observed productivity. PMID:22211003
Full Text Available The mankind progress is built on economic growth.Yet, the high rates of economic growth must be properly used and correlated with other macroeconomic indicators in order to get the aimed effects.At the Romanian economic level, there is an inverse ratio connection between the gross domestic product and the unemployed number, a connection of low intensity.The correlation of these two indicators was established using parametric and nonparametric methods of analyzing the statistic connection using the informatic soft. Setting the recession function allows us to calculate the unemployed number depending on the forecasting of the economic growth in Romania.
Agerbo, Esben; Eriksson, Tor Viking; Mortensen, Preben Bo
The purpose of this paper is also to analyze the importance of unemployment and other social factors as risk factors for impaired mental health. It departs from previous studies in that we make use of information about first admissions to a psychiatric hospital or ward as our measure of mental...... from the Psychiatric case register. Secondly, we estimate conditional logistic regression models for case-control data on first admissions to a psychiatric hospital. The explanatory variables in the empirical analysis include age, gender, education, marital status, income, wealth, and unemployment (and...
Rosholm, Michael; Jensen, Peter S.; Nielsen, Michael Svarer
The youth unemployment rate in Denmark has recently been declining dramatically, which is unique among the OECD countries. In 1996, a radical labour market reform was implemented, the Youth Unemployment Programme (YUP), directed towards unemployed, low-educated youth. This paper analyses the effe......The youth unemployment rate in Denmark has recently been declining dramatically, which is unique among the OECD countries. In 1996, a radical labour market reform was implemented, the Youth Unemployment Programme (YUP), directed towards unemployed, low-educated youth. This paper analyses...
Szabóné Kapuvári, Virág; Martos, Tamás
Nowadays the theme of unemployment and the given answers of it are up to date questions in psychology. In spite of this fact, the psychological methods measuring this phenomenon are often missing. That is why the Unemployment Stress Scale (USS) is presented in this article. The aim of our study is to develop a scale called USS and test it's validity and reliability. There were 287 adult unemployed persons asked in this study. Besides the USS we used the Beck Depression Scale, the Spielberger Anxiety Scale (TRAIT), the Sense of Coherence Scale (Hungarian version) and the Rosenberg Self Esteem Scale. According to our results, USS has showed an excellent criterion and construct validity. A useful scale has been formed according to test-retest results. (Cronbach-alfa: 0.88 and 0.86 according to the samples). Moreover our scale has a strong correlation with the Spielberger Anxiety Scale (TRAIT) and the Beck Depression Scale. These chracteristics of the new scale proved that we fond a factor, independent from the self esteem and the sense of coherence, which represents the stress level in the situation of unemployment. This scale is a professional construction to measure stress contributed to unemployment. The USS can be a useful scale in clinical practice because after measuring with this scale we can protect the personality of the unemployed by representing the actual unemployment stress level. That is why professionals can help earlier in a crisis like this.
Department of Homeland Security — The Summary of Deposits (SOD) is the annual survey of branch office deposits for all FDIC-insured institutions including insured U.S. branches of foreign banks. Data...
de Groot, H.L.F.
This thesis consists of three parts that deal with the relationship between the relative wealth of nations, economic growth, and the sectoral structure of economies. In the first part, the focus is on the relative stagnancy of Europe versus the USA in terms of productivity levels and unemployment.
Caswell, Dorte; Høybye-Mortensen, Matilde
The development of paternalist policies, such as the increase of punitive methods in welfare services, has been identified and analysed internationally (Mead, 1998; Soss et al., 2011a). The combination of these with an emphasis on instruments such as competition and performance measurement has be...... are categorised as having problems besides unemployment (Caswell et al., 2011)....
This study examines the extent state dependence among unemployed Danish immigrants in a dynamic discrete choice framework. Three alternative methodologies are employed to control for the problem of the initial condition. The empirical findings show that there is a considerable correlation between...
Tranæs, Torben; Larsen, Anders Holm; Groes, Niels
We present a dynamic forecast model for the labour market: demand for labour by education and the distribution of labour by education among industries are determined endogenously with overall demand by industry given exogenously. The model is derived from a simple behavioural equation based on a ...... for educational groups, where the initial forecast year is a change point for unemployment....
Rotger, Gabriel Pons
-demanding activity. As intensive activation is usually accompanied by intensive search monitoring, it is important to disentangling the contribution of the costly activation programs from that of caseworker meetings. Using Danish data for the period 2010-13, the paper shows that requiring newly unemployed intensive...... activation, contrary to job search meetings, reduces employment and increases sickness benefit claims....
This analysis of education policy constitutes an attempt to outline the problem of youth unemployment. Building on a recognition that structural change in the "society of labourers" has also affected the social entity "young people", it shows the problems inherent in our concept of linear transitions to working life and the…
This paper sets out to review the studies on youth unemployment conducted in a range of English speaking countries: America, Australia and Great Britain. The studies have been divided into six sections: psychological adjustment, attributions and expectations, education about unemployment, job choice and work experience, values, and job interview training. The paucity of good studies in this area partly explains the lack of clear replicated findings or coherent theories for the causes, correlates and consequences of unemployment among young people, though this is an area of relevance to social policy. Furthermore, it was concluded that various factors such as individual differences, salient demographic variables and previous work experience have been neglected. Nevertheless, many of the studies seem to indicate the presence of a destructive vicious circle which young people experience when failing to get a job: stress and disappointment, leading to lowered self-esteem, a change in expectations, and minor psychiatric illnesses which handicap the job search and application process so making unemployment all the more likely.
A.J. Dur (Robert)
textabstractIn this paper, a small macroeconomic model of the Dutch labour market is estimated. The model is used to detect the causes of the rise in unemployment since the early 70s. In contrast to existing empirical work, we treat labour supply as an endogenous variable. This adjustment appears to
Notwithstanding the impressive achievements recorded in poverty reduction, extraordinarily high levels of violent rebellion and strikes are encountered, unexpected after 20 years of democratic transition. This paper locates the drivers of this socio-political instability in poverty, inequality and unemployment: the consequence ...
Individuals acquire education for two broad fundamental reasons, as an investment and as consumption. The investment function of education has continued to create tension for job search leading to cases of unemployment. Entrepreneurship education and establishment of mega universities have being identified as ...
Full Text Available Author of the study attempts to show the area of protection of Polish public finances before the violations in discipline of the public finance in the area of social insurance contributions paid by the public sector unit. The analysis of subjective and objective scope of the act specified in Art. 14 of the Act of 17th December 2004 on the liability for violation of public finance discipline, in line with the course of the discussion on the advisability of establishing obligations under that provision. The author analyzes the legal status on 24th June 2014, using not only the basic acts of financial law, but also referring to the doctrine and judicature, which refer factually to the subject of this study. Main aim of the study is to show the complexity of the issue that is analyzed and the diversities of factors that determine the punishment or the withdrawal objection of committing an act of Art. 14 point 1 of the above-mentioned the Act.
Liu, Jinan; Shi, Lizheng; Meng, Qingyue; Khan, M Mahmud
Abstract Introduction China introduced the urban resident basic medical insurance (URBMI) in 2007 to cover children and urban unemployed adults, in addition to the new cooperative medical scheme (NCMS) for rural residents in 2003 and the basic health insurance scheme (BHIS) for urban employees in 1998. This study examined whether the overall income-related inequality in health insurance coverage improved during 2006 and 2009 in China. Methods The China Health and Nutrition Survey (CHNS) data ...
Usui, Y; Miura, H
The aim of this study was to define the profile of unemployed dental hygienists who could be enticed to re-enter the workforce and the factors that could facilitate their re-entry into the dental field in Japan. The questionnaire was mailed with a postage-paid return envelope to a sample of 3095 licensed dental hygienists. A 50.4% response rate (S = 1477) was observed. The rate of working dental hygienists was 60.3% (n = 891), and of unemployed dental hygienists was 39.7% (n = 586). Of the latter, 31.9% (n = 187) stated intentions of returning to the workplace. The unemployed dental hygienists seeking employment were more often married and had more children, compared with working dental hygienists currently. This group also had significantly fewer total service years. Moreover, only 11.96% of them belonged to the Japan Dental Hygienists' Association, and 41.3% of those attended training workshops. According to their response, they perceived their top three major barriers to re-entry as 'lack sufficient dental hygiene skill', 'child rearing' and 'poor working atmosphere'. 'Flexibility in the work schedule' and 'location' were the most important factors for re-entry from their perspective. There were not many dental hygienists hoping to return to the dental field. The findings suggested that strategies to encourage non-practicing dental hygienists to re-entry should be emphasized in the areas of a flexible working atmosphere, easy access to information on how to return to practice and guidance on how to maintain professionalism during inactivity. © 2014 John Wiley & Sons A/S. Published by John Wiley & Sons Ltd.
Hesketh, Beryl; And Others
Describes positive and negative aspects of employment and unemployment in a balance sheet framework. Discusses the value of the balance sheet approach in understanding individual differences in reactions to unemployment. (Author/KS)
Full Text Available Refugee youth unemployment has been linked to increased risk of extremism and/or exploitation. Research indicates, however, that unemployment is just one of many factors triggering frustration among young refugees.
Full Text Available This paper discusses the challenges of unemployment in Palestine between 2000 and 2015. The study aims to understand the trends and sources of unemployment in Palestine. Using the Palestinian Central Bureau of Statistics (PCBS data, trend analysis was used to understand the trends of unemployment in both parts of Palestine (West Bank and Gaza Strip between 2000 and 2015. The Results showed that there is a downward trend in the unemployment rate in West Bank and an upward trend appears on the unemployment rate in Gaza Strip. The constraints during the second Intifada and the Siege on Gaza Strip are the main factors that affected on unemployment between 2000 and 2015. The economic growth difference in both parts of Palestine (West Bank and Gaza Strip can be one of the reasons that affecting on unemployment besides the other reasons. Some solutions are introduced for unemployment challenge in Palestine beside the solution of lack of independence issue.
Kostikova E. K.
Full Text Available The article lists factors affecting the socio-economic situation and questions concerning unemployment in Russia are discussed specifically. The purpose is to identify weak points in the labor market. Visual support reflects the dynamics of unemployment in Russia during economy crisis. Unemployment trends by federal districts, the causes of regional unemployment imbalances are examined. The novelty of the author’s approach is to forecast the unemployment rate for future periods with expert assessments to determine the risk of deviation of unemployment from trend. Data were analyzed in terms of unemployment level in Europe and comparison with Russian indicators was conducted. Based on the research, causes of unemployment in Russia and ways of its decline were discovered. Appropriate conclusions were made.
Roelfs, David J; Shor, Eran; Blank, Aharon; Schwartz, Joseph E
Individual-level unemployment has been consistently linked to poor health and higher mortality, but some scholars have suggested that the negative effect of job loss may be lower during times and in places where aggregate unemployment rates are high. We review three logics associated with this moderation hypothesis: health selection, social isolation, and unemployment stigma. We then test whether aggregate unemployment rates moderate the individual-level association between unemployment and all-cause mortality. We use six meta-regression models (each using a different measure of the aggregate unemployment rate) based on 62 relative all-cause mortality risk estimates from 36 studies (from 15 nations). We find that the magnitude of the individual-level unemployment-mortality association is approximately the same during periods of high and low aggregate-level unemployment. Model coefficients (exponentiated) were 1.01 for the crude unemployment rate (P = .27), 0.94 for the change in unemployment rate from the previous year (P = .46), 1.01 for the deviation of the unemployment rate from the 5-year running average (P = .87), 1.01 for the deviation of the unemployment rate from the 10-year running average (P = .73), 1.01 for the deviation of the unemployment rate from the overall average (measured as a continuous variable; P = .61), and showed no variation across unemployment levels when the deviation of the unemployment rate from the overall average was measured categorically. Heterogeneity between studies was significant (P unemployment experiences change when macroeconomic conditions change. Efforts to ameliorate the negative social and economic consequences of unemployment should continue to focus on the individual and should be maintained regardless of periodic changes in macroeconomic conditions. Copyright © 2015 Elsevier Inc. All rights reserved.
This article investigates short-term health effects of unemployment for individuals in Denmark, Norway, and Sweden during an economic downturn (2007-2010) that hit the Scandinavian countries with diverging strength. The longitudinal part of the European Union Statistics on Income and Living Conditions (EU-SILC) data material is analyzed, and results from generalized least squares estimation indicate that Denmark is the only Scandinavian country in which health status deteriorated among the unemployed. The individual-level (and calendar year) fixed-effect results confirm the negative relationship between unemployment and health status in Denmark. This result is robust across different subsamples, model specifications, and changes in both the dependent and independent variable. Health status deteriorated especially among women and people in prime working age (30-59 years). There is, however, only scant evidence of short-term health effects among the recently unemployed in Norway and Sweden. The empirical findings are discussed in light of: (1) the adequacy of the unemployment insurance system, (2) the likelihood of re-employment for the displaced worker, and (3) selection patterns into and out of employment in the years preceding and during the economic downturn. © The Author(s) 2016.
Cerveny, J.; Ours, J.C. van
Abstract: This paper examines whether unemployment of non-western immigrant workers in the Netherlands was disproportionally affected by the Great Recession. We analyze unemployment data covering the period November 2007 to February 2013 finding that the Great Recession affected unemployment rates of non-western immigrant workers in absolute terms more than unemployment rates of native workers. However, in relative terms there is not much of a difference. We also find that the sensitivity of ...
Preti, A.; Miotto, P.
OBJECTIVE: To investigate whether either the condition of being unemployed, or changes in unemployment rates are associated with suicide risk. DESIGN: Administrative data for suicide according to occupational status have been analysed considering three employment categories: employed, seeking new job (unemployed), seeking first job (never employed). Comparison of suicide rates by economic position and correlation between suicide and unemployment rates have been made. SUBJECTS AND SETTIN...
The aim of this paper is to analyze the relationship between welfare expenditure by government and unemployment outcomes. Using a panel of 34 OECD countries from 1980 to 2010 and a two-way fixed effect model for panel data subject to endogeneity test and persistence test, the results of the paper suggest that total welfare expenditure as a percentage of GDP has a statistically significant positive impact on unemployment outcomes (total unemployment, long-term unemployment and youth unemployme...
The male-female differential in unemployment is attributed to three major factors. They are frictional unemployment, cyclical layoff often connected with lack of specific training, and occupational and geographic immobility. Women receive less specific training then men; however, the net effect of this lack on female unemployment is quite small.…
Jan 18, 2011 ... basically four major types of unemployment; the cyclical, seasonal, frictional and structural. Cyclical unemployment is the type of joblessness that occurs as a result of lower rates of production, during recessions in business cycles resulting in massive layoffs of workers. Seasonal unemployment results from.
... 20 Employees' Benefits 3 2010-04-01 2010-04-01 false High unemployment deferral. 606.41 Section... UNDER THE FEDERAL UNEMPLOYMENT TAX ACT; ADVANCES UNDER TITLE XII OF THE SOCIAL SECURITY ACT Relief from Interest Payment § 606.41 High unemployment deferral. (a) Applicability. Subsection (b)(3)(C) of section...
... 20 Employees' Benefits 3 2010-04-01 2010-04-01 false High unemployment delay. 606.42 Section 606... THE FEDERAL UNEMPLOYMENT TAX ACT; ADVANCES UNDER TITLE XII OF THE SOCIAL SECURITY ACT Relief from Interest Payment § 606.42 High unemployment delay. (a) Applicability. Paragraph (9) of section 1202 (b) of...
... 45 Public Welfare 2 2010-10-01 2010-10-01 false Withholding of unemployment compensation. 302.65... HUMAN SERVICES STATE PLAN REQUIREMENTS § 302.65 Withholding of unemployment compensation. The State plan... State agency charged with the administration of the State unemployment compensation laws in accordance...
... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Disaster unemployment assistance. 206.141 Section 206.141 Emergency Management and Assistance FEDERAL EMERGENCY MANAGEMENT AGENCY... § 206.141 Disaster unemployment assistance. The authority to implement the disaster unemployment...
Abbring, J.H.; van den Berg, G.J.; van Ours, J.C.
In this article, we study U.S. unemployment dynamics using grouped unemployment data from the Current Population Survey over the period 1968-1992. We estimate a model that traces variation in these unemployment data, both over time and between demographic groups, back to the underlying variation in
Cervený, J.; van Ours, J.C.
Abstract: This paper examines whether unemployment of non-western immigrant workers in the Netherlands was disproportionally affected by the Great Recession. We analyze unemployment data covering the period November 2007 to February 2013 finding that the Great Recession affected unemployment rates
Cervený, J.; van Ours, J.C.
This paper examines whether unemployment of non-western immigrant workers in the Netherlands was disproportionally affected by the Great Recession. We analyze unemployment data covering the period November 2007–February 2013 finding that the Great Recession affected unemployment rates of non-western
... 45 Public Welfare 2 2010-10-01 2010-10-01 false Dependent children of unemployed parents. 233.101... unemployed parents. (a) Requirements for State Plans. Effective October 1, 1990 (for Puerto Rico, American... children of unemployed parents. A State plan under title IV-A for payment of such aid must: (1) Include a...
... 45 Public Welfare 2 2010-10-01 2010-10-01 false Dependent children of unemployed parents. 233.100... unemployed parents. (a) Requirements for State Plans. If a State wishes to provide AFDC for children of unemployed parents, the State plan under title IV-A of the Social Security Act must: (1) Include a definition...
Lackovic-Grgin, Katica; And Others
Examined the relationships between length of unemployment time, self-esteem and general life satisfaction of university graduates (n=98). Also examined the function of social support during the period of unemployment. Results indicated length of unemployment, contrary to previous findings, was not related to self-esteem and general life…
A. A. Sаmоkhvаlоv
Full Text Available In the article the question of resource efficiency and the problem of unemployment. Stressed the importance of efficient use of human resources for domestic companies and the country as a whole. The definition of unemployment, which is one of the greatest challenges of the market economy. The problem of unemployment is one of the most important today, particularly for the Russian labor market. Analyzed, compared, such as the types of unemployment: frictional, structural and cyclical. The problem of unemployment exacerbates a difficult financial position, pushing to seek work of housewives, pensioners and students. It reflects the main approaches for the consideration of unemployment. The correlation between unemployment and economic crisis. Companies that are in a crisis, trying to maneuver and keep your team. Practice the system of long administrative leave and the use of part-time employment, resulting in a hidden unemployment. The extent of its increase as the phase-out. The main methods of state regulation that reduce unemployment associated with the development of ways of retraining the unemployed, social support for the unemployed, assistance in the creation of additional jobs, and others. We consider the law "On employment in the Russian Federation" and the activities of labor exchanges, represented by their main position and functions designed to support and help in finding work. It analyzes the level of unemployment over the past five years. To date, according to the Federal State Statistics Service, unemployment in Russia is 5.3 %. The lowest unemployment is currently in Moscow – less than 1 %, the highest in Ingushetia – more than 40 %. Nevertheless, unemployment in our country for more than seven million people, and it is a huge untapped resource.
Full Text Available The purpose of this study is to estimate the amount of labor needs and productivity in Banten Province from 2016 until 2020. By estimating the needs and productivity of the labor, the government can use this information to create the appropriate policies in order to reduce the open unemployment rate (OUR in Banten Province. According to BPS data in 2014, OUR of Banten Province was the highest among other provinces in Java and second highest in Indonesia after Maluku. This study used the quantitative method, which are the exponential and geometric methods to project the labor needs. Other than that, this study used the descriptive method to interpret the quantitative data. The result showed that (1 from 2016 until 2020 there will be an increasing condition of employment, (2 from 2010 until 2014, the highest labor productivity were from electricity, gas and water sector. However from 2016 – 2020, the highest labor productivity will be from financing, insurance, real estate, land, and business services. (3 The number of OUR is expected to decrease annually. Meanwhile OUR in 2016 which is 7.39 percent will decrease to 3.94 percent in 2020.
...) MARINE POLLUTION FINANCIAL RESPONSIBILITY AND COMPENSATION OFFSHORE OIL POLLUTION COMPENSATION FUND... the Fund Administrator as evidence of financial responsibility shall be issued by an insurer that is acceptable to the Fund Administrator. Those insurers may include domestic and foreign insurance companies...
... Women's Health Policy Women’s Health Insurance Coverage Women’s Health Insurance Coverage Published: Oct 31, 2017 Facebook Twitter LinkedIn ... that many women continue to face. Sources of Health Insurance Coverage Employer-Sponsored Insurance: Approximately 57.9 million ...
Keiding, Hans; Hansen, Bodil O.
In this paper, we present a simple model of health insurance with asymmetric information, where we compare two alternative ways of organizing the insurance market. Either as a competitive insurance market, where some risks remain uninsured, or as a compulsory scheme, where however, the level...... competitive insurance; this situation turns out to be at least as good as either of the alternatives...
... Staying Safe Videos for Educators Search English Español Health Insurance Basics KidsHealth / For Teens / Health Insurance Basics What's ... thought advanced calculus was confusing. What Exactly Is Health Insurance? Health insurance is a plan that people buy ...
Flood insurance has remained unavailable in Canada based on an assessment that it lacks economic viability. In response to Canada's costliest flood event to date in 2013, the Canadian insurance industry has started to develop a framework to expand existing property insurance to cover flood damage. Research on flood insurance has overlooked why and how insurance systems transition to expand insurance coverage without evidence of economic viability. This article will address this gap through a case study on the emergence of flood insurance in Canada, and the approach to its expansion. Between 2013 and 2016, insurance industry officials representing over 60% of premiums collected in Canada were interviewed. These interviews revealed that flood insurance is being expanded in response to institutional pressure, specifically external stakeholder expectations that the insurance industry will adopt a stronger role in managing flood risk through coverage of flood damage. Further evidence of this finding is explored by assessing the emergence of a unique flood insurance model that involves a risk-adjusted and optional product along with an expansion of government policy supporting flood risk mitigation. This approach attempts to balance industry concerns about economic viability with institutional pressure to reduce flood risk through insurance. This analysis builds on existing research by providing the first scholarly analysis of flood insurance in Canada, important "empirical" teeth to existing conceptual analysis on the availability of flood insurance, and the influence of institutional factors on risk analysis within the insurance sector. © 2016 Society for Risk Analysis.
Full Text Available This paper aims to analyse the perception of the Ro manian population on the insurance market , by emphasizing the role of insurances in the socia l context and, in the same time, the importance of understanding its structural elements and the degree in which the Romanian population has been able to assimilate this system. The study relies on statistical sources made available by the Media Xprimm – the most important press group in the insurance market, the Annual Report of the Insurance Supervisory Commissi on (2009 and quantitatives and qualitatives surveys carried out in September 2009 in Bucharest and some large cities. The author paid special attention to the way in which the insurance market i s perceived by various socio-professionals categories such as employees, employers, free lance rs and unemployed correlated them with the degree of knowledge each of these social categories has about the types of insurance on offer by the companies. The analysis points out the existenc e of an increasing insurance market, appreciated to be positive and favourable by the respondents in Bucharest and nationwide; however, the research also showed a moderate level of awareness o n specific types of available insurances
Smith, Peter M; Mustard, Cameron A; Payne, Jennifer I
This paper presents a methodology for estimating the size and composition of the Ontario labour force eligible for coverage under the Ontario Workplace Safety & Insurance Act (WSIA). Using customized tabulations from Statistics Canada's Labour Force Survey (LFS), we made adjustments for self-employment, unemployment, part-time employment and employment in specific industrial sectors excluded from insurance coverage under the WSIA. Each adjustment to the LFS reduced the estimates of the insured labour force relative to the total Ontario labour force. These estimates were then developed for major occupational and industrial groups stratified by gender. Additional estimates created to test assumptions used in the methodology produced similar results. The methods described in this paper advance those previously used to estimate the insured labour force, providing researchers with a useful tool to describe trends in the rate of injury across differing occupational, industrial and gender groups in Ontario.
... 20 Employees' Benefits 3 2010-04-01 2010-04-01 false Unemployment caused by a major disaster. 625... DISASTER UNEMPLOYMENT ASSISTANCE § 625.5 Unemployment caused by a major disaster. (a) Unemployed worker. The unemployment of an unemployed worker is caused by a major disaster if— (1) The individual has a...
By the declared will of the legislative bodies to give effect to the polluter pays principle on all levels those have to pay the costs of removing impairments of environmental media that are responsible for its occurence. Thus environmental pollution becomes a considerable financial risk for the polluter. Against this risk they try to protect themselves by the corresponding precautionary measures, e.g. by insurance. The insurance industry is consequently requested to meet this new demand. The legal bases are followed by the description of the insurance relationship under the aspect of the theory of risks, which follows, based on the basic model of decision theory, the objective of a quantitative representation of the situation of the decision. In the last chapter the author deals with the financial security for the risks of a third party liability insurance of environmental pollution as it is offered today in the Federal Republic of Germany. The elaboration of the existing financial security is then compared with the legal conditions of liability. In doing this the author describes cases not covered by financial security and its definition by comparison with findings of risk theory. As a result it becomes obvious that numerous exclusions of risks could quite good be included in the financial security and that the argument of the impossibility to insure often put forward by the insurers to justify the exclusion of risks can neither theoretically nor practically be uphold. (orig./HSCH) [de
Unemployment has increased in Norway during the last years. In order to study the impact of unemployment on primary health care in Hedmark county, a questionnaire was sent to 132 general practitioners. 70% replied. Some of the questions dealt with the doctors' requests for social security benefits for patients whose problems were related to loss of job. During one week 30% of the doctors had written this kind of sickness certificate. Further, during one month, 35% had recommended rehabilitation or disability pension. During the last year, 26% of the doctors had received requests activity proposing sickness certification for some of their employees from companies that were forced to reduce activity. The author discusses these results, and outlines the possible consequences for patient, doctor and the social security system.
Halliday, Timothy J
We use micro-data to investigate the relationship between unemployment and mortality in the United States using Logistic regression on a sample of over 16,000 individuals. We consider baselines from 1984 to 1993 and investigate mortality up to ten years from the baseline. We show that poor local labor market conditions are associated with higher mortality risk for working-aged men and, specifically, that a one percentage point increase in the unemployment rate increases their probability of dying within one year of baseline by 6%. There is little to no such relationship for people with weaker labor force attachments such as women or the elderly. Our results contribute to a growing body of work that suggests that poor economic conditions pose health risks and illustrate an important contrast with studies based on aggregate data. Copyright © 2014 Elsevier Ltd. All rights reserved.
Blomqvist, A G
Overwhelming urban migration occurred so rapidly in many developing countries that widespread unemployment and squalid living conditions are commonplace. For many of these countries, stopping urban migration has become a major policy. Two models propose 2 different theories of urban unemployment. Todaro's short-term effects model concludes that job creation actually causes unemployment. Todaro and Harris formulated a long-term effects model in which welfare subsidies create more employment and stimulate the economy. A real solution to urban job creation would include optimal allocation of investment between the rural and labor sectors. A once and for all hiring tax would reduce replacement hiring. It is impossible to design an optimal tax subsidy package for urban unemployment unless it includes knowledge of the dynamic response of migration and unemployment to the rate of net and gross hiring of labor. If subsidy taxes are levied on the agricultural sector, the net result may be a higher rate of capital formation in the (low social return) manufacturing sector and a lower one in the agricultural sector.
Abdulsalam S. Ademola
Full Text Available Purpose - To investigate and determine the effects of unemployment and inflation on economic performance in Nigeria within the specified period as in the title and to establish the relationship between unemployment and inflation with Real Gross Domestic Product in Nigeria. Design/methodology/approach - Ordinary Least Square (OLS technique was adopted with various diagnostic test to determine how fit are the data for the analysis. Findings - The result of Diagnostic test indicates that data for the analysis are stationary at level and there are 2 cointegrating equation implying that there exist long-run relationship between RGDP, Unemployment and inflation. The results indicated that unemployment and inflation are positively related to economic growth. Research limitations/implications - The study uses only OLS and Diagnostic to carried out the analysis and it only cover the period from 1981 to 2014. Originality/value - The originality of this study lies on findings and interpretation of the result of regression analysis. The positive relationship between unemployment, inflation and RGDP indicates that Nigeria RGDP is driven by oil revenue that employs very limited highly skilled labour and the price of output of crude oil is determined externally which may not response as expected to growth of output in the country.
Mufuka, K; Iverson, S
The size of Zimbabwe's African population has grown dramatically over the past 50 years, with 5.7 children on average being born per woman. The following factors are responsible for the rapid population growth in Zimbabwe: the country's economic prosperity during the period of the Central African Federation from 1953 to 1963, and its successful food policy before and after independence; the success of the health system, also in both periods; and the fact that women have not been incorporated into the economy as wage-earners. A brief historical overview is presented, followed by sections on the food policy and health system, reasons for the persistence of large families, and the relationship between wage-earning by women and the birth rate. The author also describes some of the problems caused by overpopulation. Engaging more women in regular wage-earning employment is the key to controlling the birth rate in Zimbabwe. Current government policies encouraging female employment in government services and the economy in general, along with the expansion of contraceptive services, could influence female fertility over the long term.
This study examines the extent state dependence among unemployed Danish immigrants in a dynamic discrete choice framework. Three alternative methodologies are employed to control for the problem of the initial condition. The empirical findings show that there is a considerable correlation between...... compared to an individual who was employed at period “t-1”. This average partial effect is the same for western compared to non-western immigrants and women compared to men....
Full Text Available Opportunistic business cycle models test whether the current government has the ability to reduce unemployment in pre-election period. First opportunistic business cycle models tested regressions using unemployment rate as the dependent variable, and for explanatory variables used unemployment rate in the previous two periods and political dummy variable defined as unity several quarters prior to election and zero elsewhere. Such models did not find evidence of opportunistic cycle for unemployment. Haynes and Stone in their model estimated regressions using unemployment as the dependent variable and sixteen dummy variables as explanatory variables (one for each quarter in the Presidential electoral term. Results showed that unemployment has roughly sinusoidal sixteen quarter cycle, where unemployment troughs on average the quarter of the election. Mentioned models are tested with data for the United States for the period from 1948 to 2011 where regressions results coincide with models mentioned in the article.
Full Text Available The high rate of unemployment in South Africa is of national concern yet the experience of being unemployed is little understood; not enough is known about the unemployed condition in South Africa. In this study eight unemployed mid-career adults who had been out of work for longer than six months were interviewed in order to explore their lived experience. A qualitative methodology was used and from the extensive interview data, using qualitative content analysis, themes relating to the unemployed condition emerged. Results support, to a large degree, the existing literature and studies on the stressors impacting on the unemployed. This study offers additional insight into the support structures available for the unemployed adult.
and make sense of it and how they position themselves in regards to this normative demand to blame themselves. Personal branding and networking are identified as strategies enforced by the employment system and can be viewed as technologies of the self (Rose, 1996) encouraging young people to modulate......Young people face the risk of unemployment in a labor market characterized by a drift towards precarious employment (Kalleberg, 2013). Building on governmentality perspectives this study documents how understanding of unemployment is affected by neoliberal discourses reflected in the technologies...... applied by the institutions in the employment area. As a result, responsibility for unemployment is increasingly placed on the individual and self-blame is promoted as the predominant explanation, revitalizing attributional theory in a new way. This qualitative study consists of a combination of ten field...
During the 1990s, Chinese state-owned enterprises (SOEs) and collective enterprises continually decreased coverage of public health insurance to their employees. This paper investigates this changing pattern of health insurance coverage in China using panel data from the China Nutrition and Health Survey (1991-2000). It is the first attempt in this literature that tries to identify precisely the effects of specific policies and reforms on health insurance coverage in the transitional period of China. The fixed effects linear model clustering at the province level is used for estimation, and results are compared to alternative models, including pooled OLS, random effects GLS model and fixed effects logit model. Strong empirical evidence is found that unemployment as a side effect of the Open Door Policy, and the deregulation of SOE and collective enterprises were the main causes for the decreasing trend. For example, urban areas that were highly affected by the Open Door Policy were associated with 17 percentage points decrease in the insurance coverage. Moreover, I found evidence that the gaps between SOE and non-SOE employees, collective and non-collective employees, urban and rural employees have considerably decreased during the ten years.
Insurance for large nuclear installations covers mainly four types of risk: third party liability which in accordance with the nuclear conventions, is borne by a nuclear operator following an incident occurring in his installation or during transport of nuclear substances; material damage to the installation itself, which precisely is not covered by third party liability insurance; machinery breakdown, i.e. accidental damage or interruption of operation. Only the first category must be insured. In view of the magnitude of the risk, nuclear insurance resorts to co-insurance and reinsurance techniques which results in a special organisation of the nuclear insurance market, based on national nuclear insurance pools and on the Standing Committee on Atomic Risk of the European Insurance Committee. Conferences of the chairmen of nuclear insurance pools are convened regularly at a worldwide level. (NEA) [fr
Novo, M; Hammarström, A; Janlert, U
Research has shown that health among young people, particularly women, deteriorates during a recession compared to a boom. It seems that the trade cycle mainly affects the health of those who are not long-term unemployed. The aim of this study was to analyse the relation between the health of non-unemployed people and the levels of unemployment in society. Two groups of young people aged 21 were surveyed, one in 1986 (the boom group, n = 1083) and one in 1994 (the recession group, n = 898). The non-response rate was 2% in the first and 10% in the second group. Both groups were investigated with a self-administered questionnaire, which included questions about somatic and psychological health, as well as experiences of employment, unemployment, education and labour market programmes. Young men and women generally reported more somatic and psychological symptoms during recession than boom. The only exception was psychological symptoms among men, which was of the same magnitude during both periods. Poorer health during recession was found among women in work and in labour market programmes, as well as among both male and female students. Multiple regression analysis was performed in order to analyse if the occupational-related health effects of the trade cycle remained after controlling for possible moderating factors. The effects of unemployment in society on young people's health may be mediated through pessimism about the future, high demands and financial problems. Lack of control over the work situation may also be an important contributing factor to ill health among women during recession. The trade cycle was correlated with ill health among women only. Possible explanations for poorer health among women during a recession were discussed.
Henri L.F. de Groot; Anton B.T.M. van Schaik
We develop a two-sector endogenous growth model with a dual labour market resulting from the presence of an effort extraction function in one sector. Effort of workers can be influenced by pay and monitoring. This results in an endogenous non-competitive wage differential between sectors and a monitoring intensity that is a source of fixed costs for the firm. Growth is driven by investments in R&D performed in the high-wage sector. Unemployment is determined by the costs and benefits of waiti...
Pedersen, Lars Haagen; Nielsen, Søren Bo; Sørensen, Peter Birch
The paper develops a model of endogenous economic growth with pollution externalities and a labor market distorted by union monopoly power and by taxes and transfers. We study the optimal second-best pollution tax and abatement policy and find that a shift toward greener preferences will tend...... to reduce unemployment, although it will hamper growth. We also find that greater labor-market distortions call for higher pollution tax rates. Finally, we show that a switch from quantity control of pollution combined with grandfathering of pollution rights to regulation via emission charges has...
"This paper develops a simple two-country model of illegal immigration in an attempt to examine the interaction among variables such as the stock of migrant labor, the unemployment rates of the two economies, and the rate of spending by the host country on the enforcement of its immigration restrictions. The focus of the analysis is on the dynamics of immigration policy and on its role in determining the nature of the mechanism by which disturbances to the labor market of one country are transmitted to that of the other in the short run and in the long run." excerpt
Lo, Simon M. S.; Stephan, Gesine; Wilke, Ralf
The copula graphic estimator (CGE) for competing risks models has received little attention in empirical research, despite having been developed into a comprehensive research method. In this paper, we bridge the gap between theoretical developments and applied research by considering a general...... class of competing risks copula models, which nests popular models such as the Cox proportional hazards model, the semiparametric multivariate mixed proportional hazards model (MMPHM), and the CGE as special cases. Analyzing the effects of a German Hartz reform on unemployment duration, we illustrate...
Chinese Nuclear Insurance Started with Daya Bay Nuclear Power Station, PICC issued the insurance policy. Nuclear insurance cooperation between Chinese and international pool's organizations was set up in 1989. In 1996, the Chinese Nuclear Insurance Pool was prepared. The Chinese Nuclear Insurance Pool was approved by The Chinese Insurance Regulatory Committee in May of 1999. The principal aim is to centralize maximum the insurance capacity for nuclear insurance from local individual insurers and to strengthen the reinsurance relations with international insurance pools so as to provide the high quality insurance service for Chinese nuclear industry. The Member Company of Chinese Nuclear Pool and its roles are introduced in this article
Hayhoe, Celia Ray; Smith, Mike, CPF
The purpose of disability income insurance is to partially replace your income if you are unable to work because of sickness or an accident. This guide reviews the types of disability insurance, important terms and concepts and employer provided benefits.
... page: //medlineplus.gov/ency/patientinstructions/000879.htm Understanding health insurance plans To use the sharing features on this ... plan for you and your family. Types of Health Insurance Plans Depending on how you get your health ...
Heijbel, Bodil; Josephson, Malin; Jensen, Irene; Vingård, Eva
This study has been conducted to describe the situation of long-term sick-listed persons employed in the public sector regarding the medical reasons of their sick leave, the duration of their problems, the duration of the actual sick leave, rehabilitation support, rehabilitation measures, and the persons expectations of the future. Response rate of a postal questionnaire, where 484 women and 51 men on long-term sick leave answered, was 69%. The study-group consisted of 90% women with a median age of 50 years. The most common reasons for sick listing were long-lasting musculoskeletal problems, especially neck/shoulder pain, low back pain and osteoarthritis or other joint problems and mental problems, especially depression and burn-out syndromes. Forty-seven procent of the men and 57% of the women had been on the sick list for more than a year. Only half of them had been subjected to the legally required rehabilitation investigation of the employer This half got access to rehabilitation programs and/or vocational rehabilitation to a greater extent than those who not had been subjected to rehabilitation investigation. Less than half had been in contact with the workplace-connected rehabilitation actors, the Occupational Health Service or the Trade Union. In spite of this the sick-listed persons had a positive view of their future return to work. For long-term sick-listed persons in the public sector, there is a great potential for improvements of the rehabilitation at the workplace arena, in the involvement and cooperation between the already existing rehabilitation actors, in order to promote return to work.
This paper sets the groundwork for analysis of the effect of selection into labor force on gender unemployment gaps. We derive the Manski bounds for gender unemployment gaps in 21 EU countries and show that in addition to the positive selection documented in the gender wage gap research, there is also evidence of negative selection into the labor force among women after childbirth. While positive selection of women into the labor force leads to downward bias in gender unemployment gaps, negat...
Full Text Available The unemployment is a permanent phenomenon in majority countries of the world, either with advanced economies, either in course of developed economies, and the implications and the consequences are more complexes, so that, practically, the fight with unemployment becomes a fundamental objective for the economy politics. In context, the authors proposed to set apart essentially components for unemployment analyse with the scope of identification the measures and the instruments of counteracted.
Marinescu, Ioana E.
In many countries, reducing unemployment is among the most important policy goals. In this context, monitoring job search by the unemployed and providing job search assistance can play a crucial role. However, more and more stringent monitoring and sanctions are not a panacea. Policymakers must consider possible downsides, such as unemployed people accepting less stable and lower-paying jobs. Tying “moderate” monitoring to job search assistance may be the essential ingredient to make this app...
The high rates of youth unemployment experienced in a number of OECD economies has raised concerns about the effect of this on subsequent earnings. Using the Australian Youth Survey (AYS) a longitudinal survey of Australian youth, we estimate the effects of unemployment on subsequent hourly and weekly earnings. The estimates suggest that, when unobserved heterogeneity is taken into account, it is only long histories of unemployment which have a negative effect on hourly wages. On the other ha...
Li Gan; Qinghua Zhang
This paper studies how the thick market effect influences local unemployment rate fluctuations. The paper presents a model to demonstrate that the average matching quality improves as the number of workers and firms increases. Unemployed workers accumulate in a city until the local labor market reaches a critical minimum size, which leads to cyclical fluctuations in the local unemployment rates. Since larger cities attain the critical market size more frequently, they have shorter unemploymen...
Taamouti, Abderrahim; Gonzalo Muñoz, Jesús
We empirically investigate the short-run impact of anticipated and unanticipated unemployment rates on stock prices. We particularly examine the nonlinearity in stock market's reaction to unemployment rate and study the effect at each individual point (quantile) of stock return distribution. Using nonparametric Granger causality and quantile regression based tests, we find that, contrary to the general findings in the literature, only anticipated unemployment rate has a strong impact on stock...
Ron Smith; Gylfi Zoega
We consider the hypothesis that a common factor, global expected returns, drives unemployment and investment in 21 OECD countries over the period 1960-2002. We investigate this hypothesis using a panel-factor augmented-vector autoregression (FAVAR). We first estimate the common factors of unemployment and investment by principal components and show that the first principal component of unemployment is almost identical to that of investment and that they both show the pattern one would expect ...
Read before the Society, 23rd November 1989 Conventional Keynesian or Classical macroeconomic theories must be considered inadequate to explain unemployment experiences such as the Irish one. Rigidities that one might associate with fixed contracts, or even adjustment costs in relation to prices or quantities, can hardly account for 17 years of rising unemployment. Indeed, surely such an upturn in conjunction with the apparent breakdown of the unemployment-inflation relat...
We develop a regional model where, in the city, unemployment prevails because of too high (efficiency) wages, while, in the rural area, workers are paid at their marginal productivity. We characterize the steady-state equilibrium and show that it is unique. We then consider two policies: decreasing urban unemployment benefits and subsidizing urban employment. We find that decreasing the unemployment benefit in the city creates urban jobs and reduces rural-urban migration since new migrants ha...
FREEDMAN, AUDREY; AND OTHERS
THE EXTENT AND PACE OF THE ADOPTION OF ELECTRONIC DATA PROCESSING TECHNOLOGY AMONG INSURANCE CARRIERS AND ITS EFFECTS ON INSURANCE OFFICE EMPLOYEES WERE STUDIED. QUESTIONNAIRE RESPONSES FROM 410 FIRMS, REPRESENTING ABOUT 89 PERCENT OF ALL INSURANCE CARRIER EMPLOYMENT, IDENTIFIED 305 FIRMS WITH ELECTRONIC DATA PROCESSING. OF THESE, 81 PERCENT…
An analysis of the investment decisions of a bank whose deposits are fully insured under fixed-rate insurance, showing how banks dynamically adjust their investment portfolios in response to market information and how this flexibility affects both investment decisions and the fair cost of deposit insurance.
Baller, Julia Berlin; Barry, Colleen L.; Shea, Kathleen; Walker, Megan M.; Ouellette, Rachel; Mandell, David S.
In the United States, health insurance coverage for autism spectrum disorder treatments has been historically limited. In response, as of 2015, 40 states and Washington, DC, have passed state autism insurance mandates requiring many health plans in the private insurance market to cover autism diagnostic and treatment services. This study examined…
Danish unemployment assistance depends on age; it increases by 70% when unemployedindividuals turn 25. This feature is used to identify the impact of income on theunemployment-to-employment hazard rate. A mixed proportional hazard frameworkbased on a 10% representative Danish registry data set is...
... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage insurance premium: Insured... Contract Rights and Obligations Mortgage Insurance Premiums § 266.602 Mortgage insurance premium: Insured.... On each anniversary of the initial closing, the HFA shall pay an interim mortgage insurance premium...
Full Text Available The signs of professional liability insurance are generalized in the article. It is the presence of losses, additional costs that require mechanisms and sources of compensation. The essence of the professional responsibility concept is determined and it is characterized like specialists material liability of different professions, lack of qualifications, errors and omissions are due to carelessness or negligence may cause harm to the client The main elements of the professional liability insurance contract, such as insurance objects, insurance compensation, insurance risks are described. The types of professional liability insurance are characterized. There are such types of the professional liability insurance: professional liability insurance of architect, lawyer, auditor (accountant, appraiser, notary, customs broker and doctor. It is determined, that the most widespread in Ukraine is the professional liability insurance of lawyer and customs broker because the policy is purchased for the sole purpose to obtain a license. The size of insurance rates in the provision of professional liability insurance in different insurance companies of Ukraine are analyzed. It is established that insurance rate depends on the type of professional activity, scope of service, qualifications and the other factors. The development impulse can only provide judicial and legal definition of professions wide list that are subject under mandatory professional liability insurance.
Full Text Available Financial sector has experienced significant expansion together with accelerating financial globalization in recent years and had important positive and negative economic implications for all the economies. This study investigates the interaction among unemployment, financial development and domestic investment in 16 emerging market economies during 2001-2014 period using panel data analysis. We found that there was long relationship among the variables and domestic investment had negative impact on the unemployment, while financial development had no significant impact on the unemployment. Furthermore, there was unidirectional causality from development of financial sector to unemployment.
Jahn, Elke; Wagner, Thomas
To reduce equilibrium unemployment targeted hiring subsidies and profiling techniques for long-term unemployed are often recommended. To analyze the effects of these two instruments, our model combines two search methods: the public employment service and random search, jobseekers choose between...... an active and a passive search strategy, while labour market policy has two options available. First, only the long-term unemployed placed by the public employment service are subsidized. Second, the subsidy is paid for each match with a long-term unemployed irrespective of the search method used. We show...
Christensen, Ulla; Schmidt, Lone; Kriegbaum, Margit
AIMS: The aim of this study was to examine the cross-sectional association between educational attainment and coping strategies with unemployment in a random sample of 37- to 56-year-old Danish men and women in long-term unemployment. METHODS: Data were based on a survey among 575 men and 1......,064 women who had been unemployed at least 70% of the time during a three-year period (October 1996 to October 1999). The outcome measures were two scales for coping with unemployment, one for problem-solving coping, and one for avoidant coping. Educational attainment was measured by years of vocational...
Carlsen, Kathrine; Dalton, Susanne Oksbjerg; Diderichsen, Finn
AIM: To investigate whether cancer survivors are at an increased risk for unemployment after cancer. MATERIALS AND METHODS: A cohort of 65,510 patients who were part of the workforce in the year before diagnosis and a random sample of 316,925 age and gender-matched controls were followed for up...... that the risk for unemployment was highest amongst persons aged 50-60 years at time of diagnosis. Risk factors for unemployment were found to be manual work, medium income and vocational education. CONCLUSION: Generally, cancer patients were at a small increased risk for unemployment and low socioeconomic...
Jahn, Elke; Wagner, Thomas
To reduce equilibrium unemployment targeted hiring subsidies and profilin techniques for long-term unemployed are often recommended. To analyze the effects of these two instruments, our model combines two search methods: the public employment serviceand random search, jobseekers choose between...... an active and a passive search strategy, while labour market policy has two options available. First, only the long-term unemployed placed by the public employment service are subsidized. Second, the subsidy is paid for each match with a long-term unemployed irrespective of the search method used. We show...
Farmers Insurance claims the No. 2 spot on the Training Top 125 with a forward-thinking training strategy linked to its primary mission: FarmersFuture 2020. It's not surprising an insurance company would have an insurance policy for the future. But Farmers takes that strategy one step further, setting its sights on 2020 with a far-reaching plan to…
Frasquilho, Diana; de Matos, Margarida Gaspar; Santos, Teresa; Gaspar, Tânia; Caldas de Almeida, J M
Due to the economic recession, several people in Europe became unemployed. This situation may risk their mental health. This study explored parents' perceptions about their unemployment's effects in daily life during the recession. A total of 59 unemployed parents (40.7% fathers and 59.3% mothers), ageing 44.4 years (±6.2), answer a question on how the unemployment affected their family lives. Thematic analysis was used to analyse data. The findings suggest that unemployment is a source of adult and youth mental distress and of economic hardship and changes in family relations. Support to unemployed individuals and their families could benefit from these insights when granting the needed financial and socioemotional assistance. © The Author(s) 2016.
Mohan, Arun V; McCormick, Danny; Woolhandler, Steffie; Himmelstein, David U; Boyd, J Wesley
Previous research on health and life insurers' financial investments has highlighted the tension between profit maximization and the public good. We ascertained health and life insurance firms' holdings in the fast food industry, an industry that is increasingly understood to negatively impact public health. Insurers own $1.88 billion of stock in the 5 leading fast food companies. We argue that insurers ought to be held to a higher standard of corporate responsibility, and we offer potential solutions.
Stankūnas, Mindaugas; Kalediene, Ramune; Starkuviene, Skirmante
OBJECTIVE. To evaluate the associations between sense of coherence and psychosocial health among unemployed adult population. MATERIAL AND METHODS. The data were collected during a cross-sectional study in 2005. There were 429 filled-in questionnaires received (response rate, 53.6%) from unemployed persons registered at the Kaunas Labor Market Office (Lithuania). For the assessment of the sense of coherence, a short 13-item version of the Orientation to Life Questionnaire was used. Long-term unemployment was defined as lasting 12 months or longer. Logistic regression was used to estimate the risk factors having influence on sense of coherence. The risk was evaluated using odds ratio (OR). RESULTS. The mean score for sense of coherence was 56.6+/-11.2 (min, 13; max, 91). Significantly higher sense of coherence was found among the short-term unemployed as compare to the long-term ones. Analysis showed that sense of coherence was significantly higher in males, more educated and less materially deprived groups. The findings indicated that persons with depression, suicide intentions, more intensive alcohol consumption (after the job loss), poor self-reported health, feelings of loneliness and shame, and poor relations with family reported lower sense of coherence. The risk of low sense of coherence was significantly higher for females (OR=2.97) and the long-term unemployed (OR=1.81). Nevertheless, higher education (OR=0.73) and income (OR=0.83) were the factors that significantly improved sense of coherence. CONCLUSIONS. Sense of coherence was low among the unemployed in Kaunas. Sense of coherence was lower among the unemployed with negative psychosocial health characteristics in comparison to the unemployed with positive characteristics.
Krauss, George E.
The purpose of this study is to understand how selected insurance practitioners learn and developed in their practices setting. The selected insurance practitioners (collectively customer service representatives, insurance agents, and risk managers) are responsible for the counseling and placement of insurance products and the implementation of…
... POLLUTION FINANCIAL RESPONSIBILITY AND COMPENSATION OIL SPILL LIABILITY TRUST FUND; CLAIMS PROCEDURES... which compensation is claimed: (1) The name and address of each insurer. (2) The kind and amount of...
Reine, I; Novo, M; Hammarström, A
To analyse the associations between unemployment and suboptimal self-rated health as well as high alcohol consumption, and to examine the role of possible mediating factors explaining the associations from a gender perspective. The sample, from a 14-year longitudinal study with a 96.4% response rate, consisted of 386 women and 478 men who were either employed or unemployed at 30 years of age. The health outcomes studied were suboptimal self-rated health and high alcohol consumption at 30 years of age. Logistic regression was used for analysis, and the relational theory of gender was used to discuss the findings. A strong relationship was found between unemployment and suboptimal self-rated health among women, and unemployment and high alcohol consumption among men, even after controlling for health-related selection, potential mediators and background factors. All mediating factors in the model were attributable to suboptimal self-rated health among unemployed women. Two mediating factors were also substantially related to high alcohol consumption among unemployed men. Long-term unemployment at a young age could have various health effects in men and women. At present, the mechanisms behind the health consequences are better understood among women. Research would benefit from developing theories in order to explain how youth unemployment leads to gendered health consequences. Copyright © 2012 The Royal Society for Public Health. Published by Elsevier Ltd. All rights reserved.
Z. F. Ibragimova
Full Text Available Research aim. The article analyzes the state of unemployment in theRussian Federation. Modern macroeconomic conditions and the state of the labor market necessitate identifying population groups, constituting unemployment risks. Both representatives of different schools of economic thought and modern Russian scholars devoted their work to studying unemployment problems and the need for government regulation of employment and unemployment. However, a more accurate characteristic of the level and state of unemployment requires a more thorough analysis.Materials and methods. In order to present the general picture of unemployment in theRussian Federation, structural analysis of the phenomenon is used with the help of corresponding indexes, which, in our opinion, make it possible to evaluate the level and state of unemployment in detail. Indexes of absolute structure changes, degree of absolute shift intensity were used for analysis, the level of concentration was determined etc.Results. The calculations revealed the most vulnerable groups in the structure of the unemployed, showing the necessity of searching for and applying new forms and tools of government policy for reducing the level of unemployment. According to the official statistics, the level of unemployment inRussia was 5.6 % in 2015. The labor market in theRussian Federation is characterized by a gender gap – unemployed men outnumber unemployed women by 7.8%. Besides, there is a consistent trend of increase in the number of university-educated unemployed people. According to the calculations, the percentage of women with higher and secondary education is higher than the share of men. The difference in the structure of the unemployed among women and men in regards to education is in average about 14% of the maximum possible. Quite a high level of youth unemployment (approximately 25% describes the unstable position of the given group in the labor market.Calculations of Grofman, Kazinets
Debaets, M.; Springett, G.D.; Luotonen, K.; Virole, J.
When analysing the nuclear insurance market, three elements must be taken into account: the nuclear operator's liability is regulated by national laws and/or international Conventions, such operators pay large premiums to insure their nuclear installations against property damage and finally, the nuclear insurance market is made up of pools and is mainly a monopoly. This report describes the different types of insurance coverage, the system governing nuclear third party liability under the Paris Convention and the Brussels Supplementary Convention and several national laws in that field. The last part of the report deals with liability and insurance aspects of international transport of nuclear materials [fr
Thorlacius, Sigurður; Ólafsson, Stefán
The study was carried out in order to examine the effect of unemployment on the incidence of disability pension in Iceland by examining changes in this relationship from 1992 to 2007. The annual incidence of disability pension for the period 1992-2007 was calculated. Correlations and significance tests for the relationship between unemployment rates and disability pension incidence rates were calculated. The relationship was examined for different disease groups. Two big fluctuations occurred in the unemployment rate during the study period with an upswing in unemployment from 1993 to 1995 and in 2002 and 2003. In both cases, there were corresponding increases in the incidence of disability pension. The incidence of disability pension declined again when the level of unemployment went down, even though not to the same extent. Health and mental and physical capability determine the overall incidence of disability pension, but marginal fluctuations over time seem to be related to environmental conditions in the labour market, especially the unemployment rate. The observed disability pension incidence pattern in the two unemployment cycles of the study period indicates mainly that people with impaired health are forced out of the labour market in times of increasing unemployment rather than pointing towards a negative effect of unemployment on health. Our findings indicate that there is a need to strengthen the vocational rehabilitation system in Iceland as well as the support system for employment and social participation.
Weber, Bernhard A.
Estimates for 14 European countries used three models introducing unemployment, youth unemployment, and unemployment benefits respectively. Differences in unemployment probabilities at different educational levels and youth unemployment both appear to be important for a better understanding of the incentive structure behind educational decisions.…
Landes, Xavier; Néron, Pierre-Yves
Heath (among other political theorists) considers that the principle of efficiency provides a better normative explanation and justification of public insurance than the egalitarian account. According to this view, the fact that the state is involved in the provision of specific insurance (primarily......Public insurance is commonly assimilated with redistributive tools mobilized by the welfare state in the pursuit of an egalitarian ideal. This view contains some truth, since the result of insurance, at a given moment, is the redistribution of resources from the lucky to unlucky. However, Joseph...... surrounding public insurance as a redistributive tool, advancing the idea that public insurance may be a relational egalitarian tool. It then presents a number of relational arguments in favor of the involvement of the state in the provision of specific forms of insurance, arguments that have been overlooked...
Full Text Available The NorSpaR project aims to analyse the main public policy initiatives by which Norway and Spain cope with the new social and economic challenges derived from the so-called New Social Risks (NSR. Although both countries present significant differences in their institutional settings (such as Spanish EU membership, or its belonging to diverse welfare regimes types (Norway is generally included in the Nordic regime, while Spain is part of the Mediterranean one, both countries share a common interest in addressing the aforementioned challenges while maintaining social cohesion. In the last decade, governments in both countries have tried to respond to those challenges by reforming their labour markets, adapting their unemployment schemes, as well as their gender, family and long-term care policies. The analysis covered in this project includes three areas of public policy addressing NSR. First, dependency is one of the most daunting challenges for post-industrial societies experiencing population ageing and with an increasing number of frail people in need of care. This situation is forcing governments to rethink their long-term care policies. Second, family and gender public programs need to respond to the growing difficulties of families in reconciling professional and family life. Third, in the transition to a post-industrial order, and in a context of mass unemployment, social protection systems have a renewed prominence. Along with the so-called passive policies offering financial support to the unemployed, active labour market policies are geared to put people back into work. In our analysis we try to find answers to the following questions: What are the challenges that each of these policies have been trying to address in recent years? How have these policies evolved? What kinds of reforms have been implemented, and which ones have been neglected? Have the policy goals and targets of welfare programs been modified in any significant way
In this study, I examine the influence of demographic and educational characteristics of South African graduates on their employment/unemployment status. A sample of 1175 respondents who graduated between 2006 and 2012 completed an online survey. Using binary logistic regression, the strongest determinants of unemployment were the graduates' race,…
Filges, Trine; Geerdsen, Lars Pico; Knudsen, Anne-Sofie Due; Jørgensen, Anne-Marie Klint
Purpose: This systematic review studied the impact of exhaustion of unemployment benefits on the exit rate out of unemployment and into employment prior to benefit exhaustion or shortly thereafter. Method: We followed Campbell Collaboration guidelines to prepare this review, and ultimately located 12 studies for final analysis and interpretation.…
Berg, van den G.J.; Abbring, J.H.
In the past decades several features of U.S. unemployment dynamics have been investigated empirically. The original focus of research was onthe duration of unemployment. In later studies the cyclicality of incidence and duration, compositional effects and duration dependence of the exitrate out of
The establishment of appropriate policy measures for fighting unemployment has always been difficult since causes of unemployment are hard to identify. This paper analyses an approach used mainly in the 1960s and 1970s in economics, in which classification is used as a way to deal with such a
Though unemployment is a global phenomenon, the situation in Nigeria has reached the crises state, yet it is reported by economists, super financial institutions such as World Ban that the yearly growth of Nigeria economy is 7.8 percent. However, this paper espouses that unemployment, illiteracy and faulty institutional, ...
The sample period was divided into two subsamples -from 1970 to 1982 and 1983 to 2013- in order to test for the effect of the Economic Recovery Programme on the relationship between inflation and unemployment. The empirical estimate reveals that, changes in unemployment does not brings about changes in inflation ...
In this paper, consequences of youth unemployment in Nigeria were examined using Calabar metropolis in Cross River State as a case study. The literature is full of scholarly research on the social phenomenon of youth unemployment around the globe. This phenomenon has continued in Nigeria in the face of unfulfilled ...
Jurajda, Štěpán; Terrell, K.
-, č. 77 (2007), s. 1-34 Institutional research plan: CEZ:AV0Z70850503 Keywords : unemployment * human capital * regional labor markets Subject RIV: AH - Economics http://ipc.umich.edu/ working papers/ipc-77-jurajda,terrell,regional-unemployment-human- capital -transition-economies.pdf
Yerkes, M.; Van de Schoot, R.; Sonneveld, H.
Despite increased attention for doctoral education in recent years, one particular phenomenon has received little attention—the unemployment of doctoral candidates following graduation. While the unemployment of doctoral recipients is relatively low in comparison to the general popula-tion, the
Sheridan, Terry A.
A sample of 45 women managers was surveyed in a qualitative study to explore their experiences of being unemployed. The sample was purposeful, and the data were collected on a website-based survey. The experience of unemployment for female managers was far different from what was previously presumed from research largely drawn from male …
The spatial understanding of unemployment in South Africa is often limited to provinces. This paper explores ways to integrate unemployment data from 1991 to 2007 to obtain a spatially more detailed understanding of the phenomenon. Creating such a temporal GIS is challenging because of the changing administrative ...
Youth unemployment is a serious concern to policy makers in many developing countries because of its multidimensional impact. In this connection, the paper attempts to characterize youth unemployment in Ethiopia and reveal its major determinants. Univariate results indicate that the youth in general, including teenager ...
Stewart, Leslie; Liu, Yujia; Rodriguez, Eunice
Previous studies have shown a positive association between maternal work hours and childhood overweight. However, it is unclear what role job instability plays in this relationship; therefore, this study examined whether children whose mothers experienced unemployment were more likely to have greater increases in body mass index (BMI) as compared with children whose mothers were stably employed. The effects of unemployment benefits, welfare and number of hours worked were also explored. A multiple regression analysis was used to analyse changes in BMI over a 4-year period using the National Longitudinal Survey of Youth. In all, 4890 US children, aged 2-16 at baseline, were included in the analysis. As compared with children of mothers who were employed full-time and did not receive welfare, children of mothers who experienced unemployment and received unemployment benefits were not more likely to have significantly different changes in BMI. Yet children of mothers who experienced unemployment and did not receive unemployment benefits were significantly more likely to have greater increases in BMI. These results were also shown in models which controlled for height. This supports the conclusion that adiposity changes, and not simply growth-rate differences, account for the different BMI changes between groups. Aspects of maternal employment other than number of work hours are associated with child BMI, including unemployment events and what type of support a mother receives during the time of unemployment. This has implications for policies that relate to benefits for mothers who lose their jobs.
Youth unemployment in Nigeria: some implications for the third Millenium. ... Government in league with the private sector it is further suggested, can create job corps for school dropouts as one major remedy to unemployment. The paper further sees hope for Nigeria only if Youths are mobilized by way of genuinely ...
Problems And Counselling Needs Of Unemployed Youths In Nigeria. ... African Journal for the Psychological Study of Social Issues ... Unemployed youths in Nigeria have problems in clusters of finance, family- related, health–related and socio-psychological and their most counselling need is how to develop skills that will ...
Mic UKAJ, Msc.
The very high rate of unemployment in Republic of Kosova presents one of main challenges that Country faces for a long time. The purpose of this research is to analyze the situation of labour force in Kosova, and come up with conclusions and recommendations regarding the creation of genuine economic policy which would cause the reduction of unemployment rate in country.
This paper examines the structure of the labour market and unemployment in Sudan. One advantage of our analysis is that we explain several stylized facts on the labour market using new secondary data on population, employment and unemployment based on Sudan Central Bureau of Statistics (2010) the
An expansion in higher education in combination with the recent global economic recession has resulted in a high college graduate unemployment rate in Taiwan. This study investigates how the high unemployment rate and financial constraints caused by economic cutbacks have shaped undergraduates' class choices, job needs, and future income…
Beacham, Herbert C.
The major purpose of the study was to describe the home, educational and occupational back grounds, econmic status, frequency and duration of unemployment of persistently unemployed Negroes in Tampa, Florida, and their expressed opinions about training, retraining, and relocation of their residences to obtain employment after training. (Author)
Doherty, Jim; Davies, Carol
Three groups of 50 adolescents each (those employed since school, those involved in Youth Opportunities Programs YOP!, and those unemployed since school) were administered the Goldberg General Health Questionnaire, the Rosenberg Depression Scale, and two self-esteem inventories. The unemployed youth had lower self-esteem, more psychosomatic…
Murphey, Charlotte M.; Shillingford, M. Ann
This article presents a comprehensive group counseling approach to support unemployed, middle-aged men. An inclusive group curriculum designed to provide support and address potential mental health issues related to unemployment is introduced. The focus of the group is divided into 6 major areas that research has shown to have a significant impact…
Full Text Available The self-service technologies (SSTs are fast changing the conventional way of transacting business by business organisations. The rapid innovation of self-service technologies and its adoption and usages in all facets of human systems is acclaimed to be fast rendering low skilled workers jobless. The major sectors of the economy in advanced economies have reached their peaks and can no longer provide new employment due to an increase in the productivity growth rate as a result of technology advances. These SSTs have in no small measure brought about an increase in productivity growth rate, cost reduction and anincrease in the speed of service delivery to customers. This paper examines if self-service technologies truly are the cause of persistent unemployment through a study of the long term metamorphosis of the major economic sectors in advanced economies. This study revealed that the SSTs presents both risks and opportunities.
... Collection for Report ETA 902, Disaster Unemployment Assistance Activities (OMB Control No. 1205- 0051... soliciting comments concerning the proposed extension of the ETA 902, Disaster Unemployment [email protected] . SUPPLEMENTARY INFORMATION: I. Background The ETA 902 Report, Disaster Unemployment...
... Payments To Collect Delinquent State Unemployment Compensation Debts AGENCY: Financial Management Service... (referred to as ``tax refund offset'') to collect delinquent State unemployment compensation debts. The Department of the Treasury (Treasury) will incorporate the procedures necessary to collect State unemployment...
Hughes, Amanda; Kumari, Meena
Elevated morbidity and mortality among jobseekers may be partly explained by adiposity, but previous studies of unemployment and body mass index (BMI), which have usually modelled associations as linear, have produced inconsistent results. However, both underweight and obesity are associated with mortality, and both weight loss and weight gain associated with a stressful environment. If unemployment is associated with both underweight and obesity for different subgroups, these associations may previously have masked each other, whilst affecting health through divergent pathways. We investigated whether there is a previously overlooked U-shaped association of unemployment and BMI, which could help explain jobseekers' elevated morbidity and mortality, and identify groups vulnerable to underweight and obesity during unemployment. We used multinomial models to simultaneously investigate associations of unemployment with BMI-defined underweight, overweight, and obesity in 10,737 working-age UK adults from Understanding Society (UKHLS) in 2010-12. Moderating impacts of unemployment duration, demographic factors and smoking were explored. Current jobseekers were more likely to be underweight (Odds ratio (OR): 4.05, 95% confidence interval (CI): 2.12-7.73) and less likely to be overweight (OR: 0.71, CI: 0.55, 0.92) adjusted for gender, age, education, health, smoking and physical activity, while unemployed non-smokers had increased odds of obesity (OR: 1.52, CI: 1.06-2.18). Underweight and overweight associations were more apparent for longer-term jobseekers, men, and jobseekers from lower-income households. We conclude that unemployment is associated with underweight and, in nonsmokers, obesity. Results show the unemployment-adiposity relationship cannot be properly studied assuming unidirectionality of effects, and suggest unemployment may affect health of different groups via divergent adiposity-mediated pathways. Copyright © 2017 The Authors. Published by Elsevier Inc
Nuclear facilities operate under the constant risk that radioactive materials could be accidentally released off-site and cause injuries to people or damages to the property of others. Management of this nuclear risk, therefore, is very important to nuclear operators, financial stakeholders and the general public. Operators of these facilities normally retain a portion of this risk and transfer the remainder to others through an insurance mechanism. Since the nuclear loss exposure could be very high, insurers usually assess their risk first-hand by sending insurance engineers to conduct a nuclear insurance inspection. Because a serious fire can greatly increase the probability of an off-site release of radiation, fire safety should be included in the nuclear insurance inspection. This paper reviews essential elements of a facility's fire safety program as a key factor in underwriting nuclear third-party liability insurance. (author)
Tolson, Michele E; Weller, Christian E
Economic risk exposure through increased labor market volatility and growing caregiving responsibilities has risen for older Americans. At the same time, key protections such as unemployment insurance and Social Security have declined, while other protections-particularly in the private market-are limited or nonexistent. Social policy can lower the chance of risk exposure and the associated costs, especially with respect to unemployment and caregiving. In virtually all instances, however, the Trump administration has already moved to weaken existing protections. And it has offered either no proposals or very limited proposals to increase protections in the private sector As a result, an aging population will increasingly face rising economic risks on their own.
Darooneh, Amir H.
We consider the insurance company as a physical system which is immersed in its environment (the financial market). The insurer company interacts with the market by exchanging the money through the payments for loss claims and receiving the premium. Here, in the equilibrium state, we obtain the premium by using the canonical ensemble theory, and compare it with the Esscher principle, the well-known formula in actuary for premium calculation. We simulate the case of car insurance for quantitative comparison.
disaster response plans, how employees and others access data systems, and at a minimum, the antivirus and anti- malware software used by the business, the...a policy for insuring data stored in the cloud. Typically, businesses that install or ser- vice software or networks or provide IT consulting for...security, and privacy. Errors and omissions covers claims related to performance of services such as software development or consulting services
This short communication deals with compensation for nuclear damage and compensation for environmental pollution through industrial activities and compress both systems and their insurance coverage [fr
... contributed by: familydoctor.org editorial staff Categories: Healthcare Management, Insurance & Bills, Your Health ResourcesTags: brand name, co-pay, drug, formulary, generic, isurance, medicine, ...
Andersen, Z. J.; Lin, Chyongchiou J; Chang, Chung-Chou H
analyzed. Approximately 74 percent of uninsured Americans are nonelderly Americans. Among the nonelderly Americans, about 17 percent are uninsured. Our findings show that insurance status varies significantly by region, age, race, gender, marital status, income, education, employment status, and health......This study identified the underlying demographic and socioeconomic factors associated with insurance status among nonelderly Americans (age 19-64), as well as compared health care utilization between insured and uninsured. Data from the Community Tracking Study 1996-1997 Household Survey were...... status. Also, the insured nonelderly Americans were found to have better access to health care than the uninsured nonelderly....
McCluskey, Martha T
The structure and regulation of the insurance system for financing workers' compensation affects the costs of workers' benefits. Using the example of Maine's insurance market restructuring in response to a crisis of the early 1990s, this commentary explores how changes in insurance regulation might better support the goals of workers' compensation. The commentary analyzes how insurance and its regulation should go beyond correct pricing of risks to questions of how to structure incentives for loss control to include workers' interests as well as the interests of employers and insurers. Copyright © 2012 Wiley Periodicals, Inc.
... Products, Inc., Cleveland, OH; Amended Certification Regarding Eligibility To Apply for Worker Adjustment... Hanger Products, Inc. Based on these findings, the Department is amending this certification to include... DEPARTMENT OF LABOR Employment and Training Administration [TA-W-72,711] Wire Products Company...
Filges, Trine; Smedslund, Geir; Knudsen, Anne-Sofie Due
designs that used a well-defined control group were eligible for inclusion in this review. Studies that utilized qualitative approaches were not included due to the absence of adequate control group conditions. DATA COLLECTION AND ANALYSIS The total number of potential relevant studies constituted 16......,422 hits. A total of 73 studies, consisting of 143 papers, met the inclusion criteria and were critically appraised by the review authors. The final selection comprised 73 studies from 15 different countries. Only 47 studies provided data that permitted the calculation of an effect size for the primary...... outcome. Of these, six studies could not be used in the data synthesis due to their high risk of bias. An additional two studies could not be used due to overlap of data samples. A total of 39 studies were therefore included in the data synthesis. Only five studies provided data that permitted...
de Groot, N.; van der Klaauw, B.
This paper exploits a substantial reform of the Dutch UI law to study the effect of the entitlement period on job finding and subsequent labor market outcomes. Using detailed administrative data covering the full population we find that reducing the entitlement period increases the job finding rate,
... DEPARTMENT OF LABOR Employment and Training Administration [TA-W-72,524] Norgren Automation... Engineering and Automation Division, A Subsidiary of Norgren, Inc.: Clinton Township, MI; Amended... workers of Norgren Automation Solutions, Erie Engineering and Automation Division, a subsidiary of Norgren...
Pico Geerdsen, Lars
The paper examines the different assumptions which have been applied in the literature in order to identify the motivation effect of benefits exhaustion. The different assumptions are tested on a common data set.......The paper examines the different assumptions which have been applied in the literature in order to identify the motivation effect of benefits exhaustion. The different assumptions are tested on a common data set....
... effectiveness and public accountability by focusing on program results, service quality, and customer satisfaction. Outcome Goal 1.3 in the Department's fiscal year (FY) 2011--2016 Strategic Plan--Help workers who... Measures The UI reemployment GPRA and UI Performs measures are defined as the percentage of all UI...
... Apply for Worker Adjustment Assistance In accordance with Section 223 of the Trade Act of 1974, as... aluminum and magnesium die casted component parts for automobiles. New information shows that the assets of... workers of the subject firm who were adversely affected by increased imports of aluminum and magnesium die...
... Department of Labor (Department) is interested in hearing from stakeholders on the following issues: Model... percent reimbursement of the amount of STC paid under a program meeting the new definition for an STC...' allowances, payable to the individual under State law. However, no payments may be made to a State for STC...
Toots, Anu, 1959-
Kahe sotsiaalkindlustusreformi - töötuskindlustuse ja kolmesambalise pensionisüsteemi väljatöötamisest Eestis. Parteide, erinevate huvigruppide ja rahvusvaheliste organisatsioonide (ILO,IMF, WB, EU) huvi mõjust poliitilisele protsessile
Töötuskindlustuse tuludest moodustavad 96% töötajate ja tööandjate kohustuslikud töötuskindlustusmaksed, ülejäänud 4% tuludest on laekunud investeeringutest, hüvitiste maksmiseks 2003-2006. a. kulus 705 miljonit krooni. Lisatud tabel ja diagrammid
... funds, an integral part of preparing the Department's consolidated financial statements required by the Chief Financial Officer Act of 1990. The UTF is the single largest asset and liability on the statements... the reports are essential to the Department's financial statements and program oversight...
... elimination of the need to create and mail hard copy documents; Increasing accuracy and reducing errors (in... formatting requirements for the data exchanges of various UI applications that may impose a burden under the...
... is not a toll-free number). Individuals with hearing or speech impairments may access the telephone number above via TTY by calling the toll-free Federal Information Relay Service at 1-877-889-5627 (TTY... able to estimate reliably the number and dollar value of proper and improper payments; the number of...
Wenger, Jeffrey B.; O'Toole, Laurence J.; Meier, Kenneth J.
Public managers must often cope with competing and conflicting goals. The common formulation is to assume that managers must trade-off goals against each other. But is this always true? An alternative hypothesis is that sometimes managers may instead be able to improve outcomes on multiple goals
... applicable legislation and sets criteria or target levels defining acceptable performance according to the... VA 692,676,373 16.73 16.57 .16 VT 131,581,881 5.63 5.25 .38 WA 1,509,672,386 15.71 15.52 .19 WI 1,154... old. In December 2010, new legislation expanded TOP access to include nonfraud overpayments resulting...
... these states fell below the 9.0 percent threshold rate to remain ``on'' in Tier 4 of EUC08. This... status: Maryland and Texas have triggered ``off'' in Tier 3 of EUC08 Maryland and Texas began a 13-week mandatory ``on'' period in Tier 3 of EUC08 on October 7, 2012. Based on data released from the Bureau of...
... status: Alabama's trigger value had fallen below the 7.0% threshold and has triggered ``off'' Tier 3 of... IUR in Alaska fell below the 6.0% trigger rate threshold to remain ``on'' Tier 4 of EUC08. The week... fell below the 6.0% threshold and has triggered ``off'' both Tier 2 and Tier 3 of EUC08. Based on data...
Delaney, Liam; Egan, Mark; Baumeister, Roy F.
The capacity for self-control may underlie successful labor-force entry and job retention, particularly in times of economic uncertainty. Analyzing unemployment data from two nationally representative British cohorts (N = 16,780), we found that low self-control in childhood was associated with the emergence and persistence of unemployment across four decades. On average, a 1-SD increase in self-control was associated with a reduction in the probability of unemployment of 1.4 percentage points after adjustment for intelligence, social class, and gender. From labor-market entry to middle age, individuals with low self-control experienced 1.6 times as many months of unemployment as those with high self-control. Analysis of monthly unemployment data before and during the 1980s recession showed that individuals with low self-control experienced the greatest increases in unemployment during the recession. Our results underscore the critical role of self-control in shaping life-span trajectories of occupational success and in affecting how macroeconomic conditions affect unemployment levels in the population. PMID:25870404
Currie, Janet; Schwandt, Hannes
Scholars have been examining the relationship between fertility and unemployment for more than a century. Most studies find that fertility falls with unemployment in the short run, but it is not known whether these negative effects persist, because women simply may postpone childbearing to better economic times. Using more than 140 million US birth records for the period 1975–2010, we analyze both the short- and long-run effects of unemployment on fertility. We follow fixed cohorts of US-born women defined by their own state and year of birth, and relate their fertility to the unemployment rate experienced by each cohort at different ages. We focus on conceptions that result in a live birth. We find that women in their early 20s are most affected by high unemployment rates in the short run and that the negative effects on fertility grow over time. A one percentage point increase in the average unemployment rate experienced between the ages of 20 and 24 reduces the short-run fertility of women in this age range by six conceptions per 1,000 women. When we follow these women to age 40, we find that a one percentage point increase in the unemployment rate experienced at ages 20–24 leads to an overall loss of 14.2 conceptions. This long-run effect is driven largely by women who remain childless and thus do not have either first births or higher-order births. PMID:25267622
Huang, Jin; Kim, Youngmi; Birkenmaier, Julie
The present study examined the association between unemployment and household food insecurity during the 2007-2009 economic recession in the USA. Longitudinal survey of the Survey of Income and Program Participation (SIPP; 2008-2011). Food insecurity was measured by five questions excerpted from an eighteen-item Food Security Scale. Unemployment was measured by a dichotomous indicator, the number of job losses and the total duration of all episodes in the observation period. As nationally representative data, the SIPP interviewed respondents in multiple waves with a time interval of four months. The study created two analytic samples including working-age household heads employed at the beginning of the observation period. The size of the two samples was 14,417 and 13,080. Unemployment was positively associated with food insecurity (OR=1.55; 95% CI 1.32, 1.83; Punemployment (OR=1.54; 95% CI 1.27, 1.88; Punemployment, one more episode of unemployment increased the odds of food insecurity by 8% (OR=1.08; 95% CI 1.00, 1.18; Punemployment and food insecurity is useful to better identify and serve the at-risk population. Connecting unemployment assistance closely to nutrition assistance could lower the prevalence of food insecurity among unemployed households. Public policy should better account for both episodes and duration of unemployment to reduce food insecurity.
Full Text Available BACKGROUND Germany, like many OECD countries, faces a shift in the age composition of its population,and will face an even more drastic demographic change in the years ahead. From a theoretical point of view, decreasing cohort sizes may on the one hand reduce unemployment due to inverse cohort crowding or, on the other hand, increase unemploymentif companies reduce jobs disproportionately. Consequently, the actual effect of cohort shrinkage on employment and unemployment is an empirical question. OBJECTIVE We quantitatively assess the relationship between (unemployment and cohort sizes. METHODS We analyze a long panel of population and labor-market data for Western German labor market regions. We isolate the direct, statistical effect of aging in a decomposition approach and estimate the overall effect by regression. In this context, we account for the likely endogeneity of cohort size due to migration of the young workforce across regions using lagged births as instrument. RESULTS The direct effect of the age composition of the labor force on unemployment is negligible.In contrast, the elasticities of unemployment and employment with regard to the labor-market entry cohort's size are significantly positive or negative, respectively. The causal effect indicates an over-elastic reaction by unemployment. CONCLUSIONS Our results provide good news for the Western German labor market: small entry cohorts are indeed likely to decrease the overall unemployment rate and thus to improve the situation of job seekers. Accordingly, we find the employment rate is positively affected by a decrease in the youth proportion.
Full Text Available This paper looks at the evolution of the unemployment problem in the Euro Area. Our goal is to look at what are the roots of the unemployment problem and to devise reasons of the already chronic unemployment problem. We show the main factors that prolong the agony of unemployment and whether it is likely that in the near future, the problem of unemployment in the Euro Area will bi past. In the Euro Area we follow the analysis of basic macroeconomic indicators of balance in an economy - GDP, inflation and unemployment. We consider whether the monetary strategy of inflation targeting has contributed to the unemployment problem, by reducing the potential output, but also to confirm that within the current global crisis there are some deviations from the theoretical concepts of basic macroeconomic relationships - Okun's law and the Phillips curve. We show that only Germany, with a 'small' sacrifice, can save the real sector in the peripheral Mediterranean countries, as well as in the entire Euro Area.
Hanewinkel, R; Wewel, M; Stephan, C; Isensee, B; Wiborg, G
Conception, implementation and evaluation of a risk-reducing and health-promoting brief intervention addressed to unemployed. Control-group-study with repeated measurement. 131 unemployed took part in the intervention group and 95 persons were matched according to age and sex and served as a reference group. The intervention group were recruited via flyers, press articles and several institutions, the reference group via the journal of a health insurance company. The reference group received a questionnaire twice assessing the same health-related variables as the intervention group. In the intervention group, life style-related variables - eating habits, exercising, smoking, alcohol consumption - were assessed via questionnaire. In a one-hour counselling session based on Motivational Interviewing, participants received an individual feedback on their results of the questionnaire, including a comparison against standards and a review of their personal risks and negative consequences as well as advice and recommendations, while the decision for or against a behaviour change was left to the participant. 85.2 % of the participants of the intervention reported that the counselling met their expectations, and 86.2 % would recommend the intervention to a friend. Statistically significant effects for the intervention group compared to the control group from pre- to post-measurement could be shown for alcohol consumption, eating habits, and exercise (p healthy life-style and that it might sensitize participants regarding their subjective state of health. The results of the pilot study will have to be substantiated by further studies.
A brief account is given of the development of nuclear insurance. The subject is dealt with under the following headings: the need for nuclear insurance, nuclear insurance pools, international co-operation, nuclear installations which may be insured, international conventions relating to the liability of operators of nuclear installations, classes of nuclear insurance, nuclear reactor hazards and their assessment, future developments. (U.K.)
Zagożdżon, P; Parszuto, J; Wrotkowska, M; Dydjow-Bendek, D
Following the economic changes in Poland, increasing health discrepancies were observed during a period of 20 years, which may be partly attributable to the consequences of unemployment. To assess the association between unemployment, major cardiovascular risk factors and mental health. A cross-sectional study in which data were collected between 2009 and 2010 during preventive health examinations by an occupational medicine service in Gdansk, Poland. Data on blood pressure, resting heart rate, information about smoking habits, body mass index and history of use of mental health services were collected during these assessments. Multiple logistic regression was used during data analysis to adjust for age, gender, education and length of employment. Study participants comprised 3052 unemployed and 2059 employed individuals. After adjustment for age, gender, education and number of previous employments, the odds ratio (OR) for hypertension in relation to unemployment was 1.02 [95% confidence interval (95% CI) 0.84-1.23]. There was a statistically significant negative association between being overweight and unemployment (OR = 0.81, 95% CI: 0.66-0.99). Smoking was positively associated with unemployment after adjustment for age and sex (OR = 1.45, 95% CI: 1.25-1.67). There was a positive relationship between mental ill-health and unemployment among study participants (OR = 2.05, 95% CI: 0.91-4.65), but this was not statistically significant. The patterns of major cardiovascular risk factors differed between unemployed and employed individuals in Poland. Our observations suggest employment status is a predictor of specific disease risk profiles; consequently, specific preventive measures are needed in unemployed individuals. © The Author 2014. Published by Oxford University Press on behalf of the Society of Occupational Medicine. All rights reserved. For Permissions, please email: firstname.lastname@example.org.
Strandh, Mattias; Winefield, Anthony; Nilsson, Karina; Hammarström, Anne
There has been little research on the long-term relationship between unemployment experiences and mental health over the life course. This article investigates the relationship between youth unemployment as well as that of unemployment experiences during later periods and mental health at ages 16, 21, 30 and 42 years. The study makes use of the 'Northern Swedish Cohort' (NSC), a 27-year prospective cohort study. The cohort, investigated at ages 16, 18, 21, 30 and 42 years, consisted of all graduates from compulsory school in an industrial town in Sweden. Of the original 1083 participants, 94.3% of those still alive were still participating at the 27-year follow up. Mental health, measured through a three-item index of nervous symptoms, depressive symptoms and sleeping problems, was analysed using a repeated measures linear mixed models approach using ages 16, 21, 30 and 43 years. Unemployment exposure was measured as exposure to at least a 6-month spell during three periods; 18-21, 21-30 and 30-42 years. Youth unemployment was shown to be significantly connected with poorer mental health at all three target ages, 21, 30 and 42 years. Later singular unemployment experiences did not appear to have the same long-term negative effects. There was however an accumulation in poorer mental health among respondents with unemployment experiences during two, and even more so three, of the periods. There are long-term mental health scarring effects of exposure to youth unemployment and multiple exposure to unemployment during the life course. © The Author 2014. Published by Oxford University Press on behalf of the European Public Health Association. All rights reserved.
MSc. Artan Haziri
Full Text Available Kosovo, given its difficult past, is the most underdeveloped country of Europe. Gross national product is the lowest in the region, in 2009 was 1853 Euros per capita, which is half the value of the average gross natio-nal product of the region. Average economic growth in Kosovo during 2006-2009 was 4.8%. This economic growth, although seemingly large, given the low level of development in Kosovo cannot solve problems to address important economic issues that Kosovo faces, unemployment, poverty etc. Kosovo has a large import of goods and the export-import cover is only 10%, thus the trade deficit is extremely high. Unemploy-ment remains the main economic problem for many years in Kosovo. The unemployment rate in Kosovo remains high even though there are no clear statistics about the rate of unemployment. According to many stu-dies, whether local or international institutions, the unemployment rate ranges near 40%. So this high rate of unemployment imposes as a pri-mary and essential task before the Kosovo institutions to establish poli-cies and strategies for promoting employment which is undoubtedly the best way to combat poverty.According to many studies, in order to keep the unemployment at current levels, Kosovo needs a growth rate of 7% and therefore we conclude that in order to reduce unemployment, the growth should be significantly increased over 7%, and with current developments this is unachievable, neither it is expected to be achieved by the competent institutions regarding economical growth
Jahn, Elke; Wagner, Thomas
To reduce unemployment targeted hiring subsidies for long-term unemployed are often recommended. To explore their effect on employment and wages, we devise a model with two types of unemployed and two methods of search, a public employment service (PES) and random search. The eligibility of a new......, which advance the search effectiveness of the PES, crowd out the active jobseekers and reduce overall employment as well as social welfare. Nevertheless, reforms are a visible success for the PES and its target group, as they significantly increase the service's placement rate and lower the duration...
. Although statistics of unemployment have already demonstrated the unequal incidence of the phenomenon in social groups, the issue of uneven territorial impact on the phenomenon at intra-urban level remains relatively unknown. The purpose of this article is to show and to interpret the spatial patterns...... of unemployment in the city of Porto using GIS (Geographic Information System - GIS) technology. Under this analysis the overlap of the spatial patterns of unemployment with the spatial distribution of social housing, allows the discussion of the relationship that occurs between these patterns and the reasons...
This paper provides empirical evidence on the role of public health insurance in mitigating adverse outcomes associated with health shocks. Exploiting the rollout of a universal health insurance program in rural China, I find that total household income and consumption are fully insured against health shocks even without access to health insurance. Household labor supply is an important insurance mechanism against health shocks. Access to health insurance helps households to maintain investme...
Full Text Available The purpose of this study was to investigate whether Belgian and South African unemployed differed regarding three psychological dimensions of unemployment: affect (experiences of unemployment, attitudes (employment commitment, and behaviour (job search intensity. Moreover, we expected country of residence to indirectly influence unemployed people's experiences, employment commitment, and job search intensity via financial hardship. A cross-sectional survey design was used to test our hypotheses. Data were sampled from unemployed people in the Brussels area in Belgium ('N' = 305, and the Potchefstroom area in South Africa ('N' = 381. The results indicated that, compared to the Belgian unemployed, the South African unemployed experienced their unemployment as more negative, were more committed towards employment and more intensively searched for work. Moreover, country of residence indirectly influenced unemployed people's experiences, employment commitment, and job search intensity via financial hardship. Some policy recommendations are suggested.
It was the risk of contamination of ships from the Pacific atmospheric atomic bomb tests in the 1940's that seems first to have set insurers thinking that a limited amount of cover would be a practical possibility if not a commercially-attractive proposition. One Chapter of this book traces the early, hesitant steps towards the evolution of ''nuclear insurance'', as it is usually called; a term of convenience rather than exactitude because it seems to suggest an entirely new branch of insurance with a status of its own like that of Marine, Life or Motor insurance. Insurance in the field of nuclear energy is more correctly regarded as the application of the usual, well-established forms of cover to unusual kinds of industrial plant, materials and liabilities, characterised by the peculiar dangers of radioactivity which have no parallel among the common hazards of industry and commerce. It had, and still has, the feature that individual insurance underwriters are none too keen to look upon nuclear risks as a potential source of good business and profit. Only by joining together in Syndicates or Pools have the members of the national insurance markets been able to make proper provision for nuclear risks; only by close international collaboration among the national Pools have the insurers of the world been able to assemble adequate capacity - though still, even after thirty years, not sufficient to provide complete coverage for a large nuclear installation. (author)
International Labour Office. Geneva
This manual provides an overview of social health insurance schemes and looks at the development of health care policies and feasibility issues. It also examines the design of health insurance schemes, health care benefits, financing and costs and considers the operational and strategic information requirements.
This is an insurance industry guide for the independent power industry. The directory includes the insurance company's name, address, telephone and FAX numbers and a description of the company's area of expertise, products and services, and limitations. The directory is international in scope. Some of the companies specialize in independent power projects
Full Text Available Insurance industry has traditionally been oriented on sale of its products i.e. at the stage which from the aspect of marketing theory can be characterized as sales phase, phase which proceeds the marketing orientation. However, faced with numerous challenges of modern business environment such as globalization, deregulation and sophisticated information technology insurance companies must change their way of doing business. Competition is becoming fierce as insurance companies are faced with competition not only from insurance industry but also from other competitors, such as banks, that are in position to offer product substitutes for life insurance products. In this new environment information about customers and their education are becoming critical factors. Insurance companies must know their customers what influences their demand for life insurance, what is the amount of their income, what is inflation rate, their expenditures on other goods i.e. opportunity costs, etc. Those are factors that force insurance companies to concentrate more on present and potential buyers and their needs and force them to give their best to satisfy those needs in a way that will produce delighted customers.
Fronstin, Paul; Helman, Ruth
PUBLIC SUPPORT FOR HEALTH REFORM: Findings from the 2009 Health Confidence Survey--the 12th annual HCS--indicate that Americans have already formed strong opinions regarding various aspects of health reform, even before details have been released regarding various key factors. These issues include health insurance market reform, the availability of a public plan option, mandates on employers and individuals, subsidized coverage for the low-income population, changes to the tax treatment of job-based health benefits, and regulatory oversight of health care. These opinions may change as details surface, especially as they concern financing options. In the absence of such details, the 2009 HCS finds generally strong support for the concepts of health reform options that are currently on the table. U.S. HEALTH SYSTEM GETS POOR MARKS, BUT SO DOES A MAJOR OVERHAUL: A majority rate the nation's health care system as fair (30 percent) or poor (29 percent). Only a small minority rate it excellent (6 percent) or very good (10 percent). While 14 percent of Americans think the health care system needs a major overhaul, 51 percent agree with the statement "there are some good things about our health care system, but major changes are needed." NATIONAL HEALTH PLAN ELEMENTS RATED HIGHLY: Between 68 percent and 88 percent of Americans either strongly or somewhat support health reform ideas such as national health plans, a public plan option, guaranteed issue, expansion of Medicare and Medicaid, and employer and individual mandates. MIXED REACTION TO HEALTH BENEFITS TAX CAP: Reaction to capping the current tax exclusion of employment-based health benefits is mixed. Nearly one-half of Americans (47 percent) would switch to a lower-cost plan if the tax exclusion were capped, 38 percent would stay on their current plan and pay the additional taxes, and 9 percent don't know. CONTINUED FAITH IN EMPLOYMENT-BASED BENEFITS, BUT DOUBTS ON AFFORDABILITY: Individuals with employment
The report addresses the problem of the unavailability of adequate levels of property insurance for commercial power reactors to pay for decontamination and cleanup costs arising from accidents. The report is designed to answer six questions, as follows: (1) What has been the development of each principal source of nuclear property insurance used as of early 1982 by nuclear utilities in the United States; (2) What are some of the distinguishing features of nuclear property insurance as offered by the principal sources; (3) How much nuclear property insurance was offered by each of these sources as of January 1, 1982; (4) Assuming that present plans came to fruition, how much nuclear property insurance is likely to be offered by each of these sources as of January 1, 1983; (5) What, if any, principal sources of nuclear property insurance are likely to emerge in the private sector by January 1, 1983; (6) What problems serious enough to warrant action of the NRC exist with respect to nuclear property insurance and what action should NRC take in response to each problem
The effectiveness of the direct response advertising. The case of an automobile insurance company; Eficacia de la publicidad de respuesta directa. El caso de una compania de seguros para la automocion
Garcia Guardia, M. L.; Garcia Garcia, F.; Nunez Gomez, P.
Although there are many advertising effectiveness research and the existence of several variables that affect its measurement, we cannot find enough research about specific cases over direct marketing and its relationship with efficacy. Actually, there are a large number of advertising direct response in commercial media, related with the development and implementation of interactive tools that allows us to measure the results between the request of information by consumers and the sale of product. This research aims to measure the effectiveness of advertising in relation to the direct response in a particular case: the automobile insurance industry. The campaign that has been analyzed consisted in a set of direct response commercials for television programmed in general channels broadcasts in Spanish territory. Key words: Effectiveness, direct response, return of investment. (Author)
The French government has decided that, with effect from 1 June 2014, persons resident in France but working in Switzerland (hereinafter referred to as “frontaliers”) will no longer be entitled to opt for private French health insurance provision as their sole and principal health insurance. The right of choice, which was granted by the Bilateral Agreement on the Free Movement of Persons between Switzerland and the European Union and which came into force on 1 June 2002, exempts “frontaliers” from the obligation to become a member of Switzerland’s compulsory health insurance scheme (LAMal) if they can prove that they have equivalent coverage in France, provided by either the French social security system (CMU) or a private French insurance provider. As the latter option of private health insurance as an alternative to membership of LAMal will be revoked under the new French legislation that will come into force on 1 June 2014, current “...
.... Addressing this problem, Congress enacted the Terrorism Risk Insurance Act of 2002 (TRIA) to create a temporary program to share future insured terrorism losses with the property-casualty insurance industry and policyholders...
.... The request was prompted by action taken by the Florida Department of Insurance against two life insurance companies that had received large numbers of insurance allotments from Service members...
Alain Tosetti; Thomas Behar; Michel Fromenteau; Stéphane Ménart
We shall be examining the following topics: (i) basic frameworks for accounting and for statutory insurance rules; and (ii) actuarial principles of insurance; for both life and nonlife (i.e. casualty and property) insurance.Section 1 introduces insurance terminology, regarding what an operation must include in order to be an insurance operation (the legal, statistical, financial or economic aspects), and introduces the accounting and regulation frameworks and the two actuarial models of insur...
Insurance is the uncertain business in uncertain society. Today, insures face more complex and difficult risks. Efficient risk management mechanisms are essential for the insurers. The paper is set out initially to explore UK insurance companies risk management and risk disclosure by examining companies annual report after all the listed insurance companies are required to disclose risk information in their annual report, which seeks to reflect the recent development in UK insurance companies...
Harmon, C; Nolan, B
The numbers buying private health insurance in Ireland have continued to grow, despite a broadening in entitlement to public care. About 40% of the population now have insurance, although everyone has entitlement to public hospital care. In this paper, we examine in detail the growth in insurance coverage and the factors underlying the demand for insurance. Attitudinal responses reveal the importance of perceptions about waiting times for public care, as well as some concerns about the quality of that care. Individual characteristics, such as education, age, gender, marital status, family composition and income all influence the probability of purchasing private insurance. We also examine the relationship between insurance and utilization of hospital in-patient services. The positive effect of private insurance appears less than that of entitlement to full free health care from the state, although the latter is means-tested, and may partly represent health status. Copyright 2001 John Wiley & Sons, Ltd.
Flat earthquake premiums are 'uniformly' set for a variety of buildings in many countries, neglecting the fact that the risk of damage to buildings by earthquakes is based on a wide range of factors. How these factors influence the insurance premiums is worth being studied further. Proposed herein is a risk-based approach to estimate the earthquake insurance rates of buildings. Examples of application of the approach to buildings located in Taipei city of Taiwan were examined. Then, the earthquake insurance rates for the buildings investigated were calculated and tabulated. To fulfil insurance rating, the buildings were classified into 15 model building types according to their construction materials and building height. Seismic design levels were also considered in insurance rating in response to the effect of seismic zone and construction years of buildings. This paper may be of interest to insurers, actuaries, and private and public sectors of insurance. © 2018 The Author(s). Disasters © Overseas Development Institute, 2018.
Pereira, Soraia; Turkman, Kamil Feridun; Correia, Luis; Rue, Haavard
Portuguese Labor force survey, from 4th quarter of 2014 onwards, started geo-referencing the sampling units, namely the dwellings in which the surveys are carried. This opens new possibilities in analysing and estimating unemployment and its spatial
Nielsen, Helena Skyt; Rosholm, Michael
We analyse what determines the incidence of unemployment among Danish employees by estimation of a logit model for becoming unemployed. Our data is incomplete in the sense that we do not observe whether a transition was caused by the person quitting or being laid off, so we apply the EM-algorithm......We analyse what determines the incidence of unemployment among Danish employees by estimation of a logit model for becoming unemployed. Our data is incomplete in the sense that we do not observe whether a transition was caused by the person quitting or being laid off, so we apply the EM......-algorithm to this problem. The models are extended to account for the panel data structure of the data set by including random effects. We use exclusion restrictions to identify quits and lay offs. We find many quitters among young and old women but only few among men....
Peter Schaeffer; Tesfa Gebremedhin
When job prospects are uncertain, labor market size matters even when labor and jobs, respectively, are homogenous. The expected unemployment duration and its standard deviation may then differ systematically with labor market size.
Full Text Available The flow of foreign direct investment is one of the indicators of economic interconnection with the rest of the world. The paper is aimed at evaluating of inward FDI flows into Japanese economy and unemployment development. For many decades, Japan has attracted considerably lower levels of inward FDI compared to other developed countries of the world. Also the rate of unemployment in Japan was relatively low which is caused by a specific attitude of the active population of Japan towards employment issues. Methods of regression and correlation analysis (including testing the statistical significance were used in the analysis of FDI and unemployment. The correlation has been approved between FDI and the rate of unemployment.
Roč. 66, č. 4 (2014), s. 891-915 ISSN 0030-7653 Institutional support: RVO:67985998 Keywords : unemployment * wage inequality * labor supply Subject RIV: AH - Economics Impact factor: 0.846, year: 2014
Roč. 66, č. 4 (2014), s. 891-915 ISSN 0030-7653 Institutional support: PRVOUK-P23 Keywords : unemployment * wage inequality * labor supply Subject RIV: AH - Economics Impact factor: 0.846, year: 2014
Feuls, Miriam; Fieseler, Christian; Suphan, Anne
This is the author’s accepted, refereed manuscript to the article Many people who are unemployed tend to experience forms of psychological and social losses, including a weakened time structure, diminished social contacts, an absence of collective purpose, falling status, and inactivity. This article focuses on the experience of diminished social contacts and addresses whether social media help the unemployed maintain their relationships. Based on qualitative interviews with unempl...
Christophe Rault; Anne-Gaël Vaubourg
We explore whether finance influences the impact of labour market institutions on unemployment. Using a data set of 18 OECD countries over 1980–2004, we estimate a panel Vector AutoRegressive model. We check whether causalities from labour market variables to unemployment are affected by financial factors. In Belgium, Italy, Australia, Japan and Spain, accounting for financial indicators mitigates the benefits of labour market flexibility or makes it harmful to employment. In Austria, Canada,...
Master's thesis focuses on the comparison of mentoring and coaching of unemployed person entering labour market. Which approach is more siutable, considering unemployed person's needs, experience, knowledge and skills, which approach gives better results and what are advatages and disadvantages of both of them, are the questions anwsered by comparison between mentoring and coaching, based on three coaching and two mentoring process, using participatory action research approach. Effectiveness ...
Angelini, Viola; Bertoni, Marco; Corazzini, Luca
Using longitudinal data from the German Socio-Economic Panel (SOEP), we show that paternal unemployment has a surprisingly positive causal effect on the "Big 5" personality traits of children aged 17 to 25. In particular, our results from longitudinal value-added models for personality suggest that paternal unemployment makes children significantly more conscientious and less neurotic. Our results are robust to different estimation methods and to selection on unobservables. Furthermore, these...
Full Text Available The traditional analysis of unemployment in relation to real output dynamics is based on some empirical evidences deducted from Okun’s studies. In particular the so called Okun’s Law is expressed in a linear mathematical formulation, which cannot explain the fluctuation of the variables involved. Linearity is an heavy limit for macroeconomic analysis and especially for every economic growth study which would consider the unemployment rate among the endogenous variables. This paper deals with an introductive study about the role of non-linearity in the investigation of unemployment dynamics. The main idea is the existence of a non-linear relation between the unemployment rate and the gap of GDP growth rate from its trend. The macroeconomic motivation of this idea moves from the consideration of two concatenate effects caused by a variation of the unemployment rate on the real output growth rate. These two effects are concatenate because there is a first effect that generates a secondary one on the same variable. When the unemployment rate changes, the first effect is the variation in the level of production in consequence of the variation in the level of such an important factor as labour force; the secondary effect is a consecutive variation in the level of production caused by the variation in the aggregate demand in consequence of the change of the individual disposal income originated by the previous variation of production itself. In this paper the analysis of unemployment dynamics is carried out by the use of the logistic map and the conditions for the existence of bifurcations (cycles are determined. The study also allows to find the range of variability of some characteristic parameters that might be avoided for not having an absolute unpredictability of unemployment dynamics (deterministic chaos: unpredictability is equivalent to uncontrollability because of the total absence of information about the future value of the variable to
Abstract Aim Youth unemployment is associated with increased levels of anxiety, depression, alcohol abuse, reduced self-esteem and satisfaction with life. Up to date data based on standardized psychiatric diagnostic assessments in adolescent or young adult unemployment is very scarce. To our knowledge, this study has, for the first time, assessed both Axis-I (non-personality) and Axis-II (personality) psychiatric disorders and related constructs in a pres...
Fee, Kyle; Schweitzer, Mark E.
Economists have been arguing about the connection between unemployment and infl ation for decades. Critics claim that the connection is unreliable and leads policymakers astray, while others argue that the relationship is useful for forecasting. We examine the more direct connections between elevated unemployment levels and the rate of increase in wage and labor costs, more generally. We fi nd that wage and labor cost growth has declined markedly following recent recessions. It has again decl...
Wang, Qing; Shen, Jay J; Cochran, Chris
Studies on the relationship between unemployment rate and smoking have yielded mixed results. The issue in China has not been studied. This study aims to examine the influence of unemployment rate on smoking in China. Logit model and two-stage least squares (2SLS) estimation were used to estimate the effects. Estimations were done for 4585 individual over 45 using data from China Health and Retirement Longitudinal Study conducted in Zhejiang and Gansu provinces in 2008 and 2012. A percent increase in the unemployment rate resulted in the increase in the likelihood of smoking by a combined 9.1 percent for those who smoked including a 2.9% increase for those who smoked 1-10 cigarettes per day; a 2.8% increase for those who smoked 11-20 cigarettes per day; and a 3.4% increase for those who smoked 20 cigarettes or more per day. The effects were stronger for those who were employed. Non-drinkers were more likely to engage in smoking with increased unemployment rate. 2SLS estimation revealed the same association. The unemployment rate was positively associated with smoking behavior. Smoking control and intervention strategies should focus on both the individual's characteristics and the physical environment in which unemployment rate tend to rise.
Safdari, H.; Hosseiny, A.; Vasheghani Farahani, S.; Jafari, G. R.
The aim of this article is to illustrate the scaling features of two well heard characters in the media; unemployment and inflation. We carry out a scaling analysis on the coupling between unemployment and inflation. This work is based on the wavelet analysis as well as the detrended fluctuation analysis (DFA). Through our analysis we state that while unemployment is time scale invariant, inflation is bi-scale. We show that inflation possess a five year time scale where it experiences different behaviours before and after this scale period. This behaviour of inflation provides basis for the coupling to inherit the stated time interval. Although inflation is bi-scale, it is unemployment that shows a strong multifractality feature. Owing to the cross wavelet analysis we provide a picture that illustrates the dynamics of coupling between unemployment and inflation regarding intensity, direction, and scale. The fact of the matter is that the coupling between inflation and unemployment is not equal in one way compared to the opposite. Regarding the scaling; coupling exhibits different features in various scales. In a sense that although in one scale its correlation behaves in a positive/negative manner, at the same time it can be negative/positive for another scale.
Morrell, S; Taylor, R; Quine, S; Kerr, C
Ever since Durkheim postulated a relationship between economic change and suicide there has been evidence of a general association between aggregate data on unemployment and the frequency of suicide. Quantitatively, however, the association has been variable and it is clear that due to differing cultural, social and individual determinants of suicide, the relationship is complex. Methodological difficulties abound with interpretation of aggregate data. Australian records for most of the present century are suitable for examining secular trends in suicide and unemployment by age group and gender to gain an indication of the extent to which both parameters may be causally related. An aggregate/ecological study was designed to incorporate quantitative and qualitative strategies. Annual age-adjusted male and female suicide rates and annual unemployment rates were derived for the period 1907-1990. Female suicide rates were generally stable throughout the period, whereas those for males demonstrated sharp fluctuations with the peaks coinciding with times of high unemployment. The association between suicide and unemployment for 15-24 year old males was comparatively high for the recent period, 1966-1990. The increasingly youthful contribution to male suicide was demonstrated by a rise in the loss of life years during 1973-1984. Despite the inability of any investigation based on aggregate data to establish an unequivocable causal relationship, no evidence was detected to suggest that relatively high population levels of unemployment were not related to the occurrence of suicide.
Unemployment in Poland is one of the most negative outcomes of the economical transformations taking place in the last decade of the XX and first years of the XXI century. Therefore, the study on an influence of parents' unemployment upon adolescents' life conditions and health was undertaken in Health Promotion and Postgraduate Training Department of the National Institute of Hygiene. The data were collected from randomly selected sample of 783 students aged 14-15 years attending to ten private and public secondary schools (gymnasiums) in Warsaw. A part of the questionnaire elaborated in Health Promotion and Postgraduate Department covered information about negative life events, which had occurred in the previous year, also about a loss of the job by father or mother. The self-assessment of health, and physical and psychical wellbeing measured the perceived health. The study showed that significantly higher percentage of the students, whose father or mother had lost a job in the previous year, noticed also occurrence of father and mother health disorders, lack of support from father and mother, frequent quarrels between parents, too much of home duties, worsening a housing conditions, lack of possibilities to travel away on vacation and lack of own money. The differences were higher, if both the parents were unemployed. Moreover, the children of unemployed parents significantly lower assessed their health, and physical and psychical wellbeing. It is necessary to help immediately the students, whose parents are unemployed, with financial and psychological support in frame of the programmes of unemployment overcoming.
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... 20 Employees' Benefits 3 2010-04-01 2010-04-01 false Approval of State unemployment compensation... unemployment compensation laws. States may at their option submit their unemployment compensation laws for... Employment and Training Administration (ETA), one copy of the State unemployment compensation law properly...
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... Triggering ``Off'' Tier Four of Emergency Unemployment Compensation 2008 (EUC08). AGENCY: Employment and... ``off'' Tier Four of Emergency Unemployment Compensation 2008 (EUC08). Public Law 111-312 extended... the EUC08 program for qualified unemployed workers claiming benefits in high unemployment states. The...
..., unemployment and general distress. 597.102 Section 597.102 Housing and Urban Development Regulations Relating..., unemployment and general distress. (a) Pervasive poverty. Pervasive poverty shall be demonstrated by the... component areas of an affluent character. (b) Unemployment. Unemployment shall be demonstrated by: (1) Data...
Kelly, Elish; McGuinness, Seamus; O'Connell, Philip J.
Many young people have short spells of unemployment during their transition from school to work; however, some often get trapped in unemployment and risk becoming long-term unemployed. Much research has been undertaken on the factors that influence unemployment risk for young people during their school-to-work transition. However, very little is…
... 26 Internal Revenue 7 2010-04-01 2010-04-01 true Supplemental unemployment benefit trusts. 1.501(c... Supplemental unemployment benefit trusts. (a) Requirements for qualification. (1) A supplemental unemployment... the purpose of providing supplemental unemployment compensation benefits (as defined in section 501(c...
Maddy, Luther M., III
Unemployment is, and will likely continue to be, a problem in industrialized nations. Numerous studies have concluded unemployment negatively impacts self-esteem and self-efficacy. Additional studies have shown that unemployed individuals with lower self-esteem and self-efficacy tend to remain unemployed longer than individuals with higher…
Are certain groups of unemployed individuals hurt less by unemployment than others? This paper is an attempt to test the hypothesis that non-pecuniary costs of unemployment may vary between societies with different unemployment rates. Using cross-sectional data from the SALDRU93 survey, I show that households' perceptions of life satisfaction are…
Health Insurance aims at filling a gap in actuarial literature, attempting to solve the frequent misunderstanding in regards to both the purpose and the contents of health insurance products (and ‘protection products’, more generally) on the one hand, and the relevant actuarial structures on the other. In order to cover the basic principles regarding health insurance techniques, the first few chapters in this book are mainly devoted to the need for health insurance and a description of insurance products in this area (sickness insurance, accident insurance, critical illness covers, income protection, long-term care insurance, health-related benefits as riders to life insurance policies). An introduction to general actuarial and risk-management issues follows. Basic actuarial models are presented for sickness insurance and income protection (i.e. disability annuities). Several numerical examples help the reader understand the main features of pricing and reserving in the health insurance area. A short int...
Until 2001 losses caused by terrorist attacks have been covered under fire policies worldwide with two exceptions: Spain and UK where major and multiple losses caused by ETA and IRA had led to specific insurance solutions. The September 11, 2001 attacks on the World Trade Centre have changed the world in many aspects. This includes the insurance industry, which was compelled to exclude terrorism from coverage and to offer special solutions for extra premium. Nuclear power plants have been repeatedly called targets for terrorists as their destruction could cause a large catastrophe and more victims than the September 2001 attacks. How does the insurance industry respond? (author)
Manne, A.S.; Richels, R.G.
A growing concern that the increasing accumulation of greenhouse gases will lead to undesirable changes in global climate has resulted in proposals, both in the United States and internationally, to set physical targets for reducing greenhouse gas emissions. But what will these proposals cost? This book outlines a way to think about greenhouse-effect decisions under uncertainty. It describes an insightful model for determining the economic costs of limiting CO 2 emissions produced by burning fossil fuels and provides a solid analytical base for rethinking public policy on the far-reaching issue of global warming. It presents region-by-region estimates of the costs that would underlie an international agreement. Using a computer model known as Global 2100, they analyze the economic impacts of limiting CO 2 emissions under alternative supply and conservation scenarios. The results clearly indicate that a reduction in emissions is not the sole policy response to potential climate change. Following a summary of the greenhouse effect, its likely causes, and possible consequences, this book takes up issues that concern the public at large. They provide an overview of Global 2100, look at how the U.S. energy sector is likely to evolve under business-as-usual conditions and under carbon constraints, and describe the concept of greenhouse insurance. They consider possible global agreements, including an estimate of benefits that might result from trading in an international market in emission rights. They conclude with a technical description directed toward modeling specialists
Olja Munitlak Ivanović
Full Text Available In current business conditions, insurance market in the Republic of Serbia notes positive but relatively slow growing trend. During the last few years, life insurance market in Serbia has an upward trend, however, it still significantly falls back in comparison to developed European countries. Insufficient development of life insurance sector is in direct relation to insufficient economic development, weak financial market, high unemployment rate and poor implementation of economic reforms. Additionally there is a problem due to the lack of both quality and quantity of education with insufficient basic knowledge of potentials that this type of insurance offers. The aim of this paper is to present the projection of life insurance premium on the basis of linear trend parameters and correlation degree between average net income and the amount of life insurance premium and to emphasize the necessity of intense development of life insurance market. Normal 0 false false false EN-US X-NONE X-NONE
Full Text Available Background and objectives : Universal insurance coverage is considered as one of the main goals of health systems around the world. Although Universal Health Insurance Law was legislated with the objective of covering all Iranian population under health insurance coverage in 1994, but imperfect insurance coverage has remained as a threatening dilemma. Heterogeneous statistics reported by insurer in Iran and the lack of appropriate, comprehensive databases have failed any judgments about the number of uninsured people and the reasons for it. Present study aimed to give better insight on insurance coverage among Iranian people and examine key reasons of imperfect coverage through a deep analysis of a national household survey. Material and Methods : Data which were collected from a national survey of health care utilization in Iran that covered over 102000 people of Iranians were analyzed. The survey had been implemented in 2007 by Iran's Ministry of Health. In order to identify possible reasons for imperfect coverage, national and international databases like SID, Iranmedex, ISC, Pubmed, Scopus, official statistics of Statistical Center of Iran (SCI, Iranian Social Security Organization (ISSO and Central Insurance of IRIRAN (CII were searched. Data management was accomplished in Microsoft Excel software. Results : Study results showed that 85% of Iranian households had health insurance coverage, compared to 15% without any coverage. Medical services insurance fund had the greater proportion of coverage (59.27% and basic private insurance coverage was accountable for the least coverage (0.2%. More than half of households (51% stated financial inability to pay as the main reason for not getting coverage, followed by the lack of knowledge about insurance (12%, unemployment (12% and bypass by employers (10%. A worthwhile finding was that, 13% of households implied they felt no need to health insurance and 2% found it useless. Conclusion : Despite
This paper provides empirical evidence on the role of public health insurance in mitigating adverse outcomes associated with health shocks. Exploiting the rollout of a universal health insurance program in rural China, I find that total household income and consumption are fully insured against health shocks even without access to health insurance. Household labor supply is an important insurance mechanism against health shocks. Access to health insurance helps households to maintain investment in children's human capital during negative health shocks, which suggests that one benefit of health insurance could arise from reducing the use of costly smoothing mechanisms. Copyright © 2016 Elsevier B.V. All rights reserved.
Full Text Available Personal insurance represents one of the sources of personal social security as a category of personal property. How to get a proper life insurance is a frequently asked question. When insuring material objects (car, house..., the problem is usually not in the amount of the taken insurance. With life insurance (abstract goods, problems as such occur. In this paper, we wish to present a model that, according to the financial situation and the anticipated future, makes it possible to calculate the optimum insurance sum in life insurance.
There is a well-documented negative correlation between unemployment and health. Yet, little research has examined how unemployment relates to participation in physical activity, and few researchers have considered how an individual's unemployment may affect the health of their spouse or partner. The purpose of this study is to answer three questions: 1. Is one's own unemployment associated with changes in physical activity participation? 2. Is one's partner's unemployment associated with cha...
Any discussion on unemployment is never restricted with the data on unemployment only. Unemployment is linked to several key indicators such as number of employed, active population and participation rate. As we often see, increase in unemployment occurs simultaneously with increase in the number of jobs, if participation rate increases at the same time. This makes doubtful any simplistic interregional, international, inter-temporal or cross-age comparison of unemployment data taken in isolat...
Guarino, Leticia Rosaria; Universidad Simón Bolívar; Sojo, Victor; Universidad Central de Venezuela, Caracas
The aim of this research was to assess moderating role of two indexes of social support in the relationship between the length of unemployment and the physical and mental health of Venezuelan unemployed. Self-report measures were administered to a sample of 328 unemployed residents in Caracas, Venezuela. Results indicated that perceived social support acted as moderator in predicting better general health and lower somatization in the unemployed, acting as buffer of longer periods of unemploy...
The CERN Administration wishes to inform staff members and fellows having taken out optional life insurance under the group contract signed by CERN that the following changes to the rules and regulations entered into force on 1 January 2013: The maximum age for an active member has been extended from 65 to 67 years. The beneficiary clause now allows insured persons to designate one or more persons of their choice to be their beneficiary(-ies), either at the time of taking out the insurance or at a later date, in which case the membership/modification form must be updated accordingly. Beneficiaries must be clearly identified (name, first name, date of birth, address). The membership/modification form is available on the FP website: http://fp.web.cern.ch/helvetia-life-insurance For further information, please contact: Valentina Clavel (Tel. 73904) Peggy Pithioud (Tel. 72736)
Pauly, Mark V
This paper explores the relationship between the research for and development of vaccines against global pandemics and insurance. It shows that development in advance of pandemics of a portfolio of effective and government-approved vaccines does have some insurance properties: it requires incurring costs that are certain (the costs of discovering, developing, and testing vaccines) in return for protection against large losses (if a pandemic treatable with one of the vaccines occurs) but also with the possibility of no benefit (from a vaccine against a disease that never reaches the pandemic stage). It then argues that insurance against the latter event might usefully be offered to organizations developing vaccines, and explores the benefits of insurance payments to or on behalf of countries who suffer from unpredictable pandemics. These ideas are then related to recent government, industry, and philanthropic efforts to develop better policies to make vaccines against pandemics available on a timely basis.
Mark V. Pauly
Full Text Available This paper explores the relationship between the research for and development of vaccines against global pandemics and insurance. It shows that development in advance of pandemics of a portfolio of effective and government-approved vaccines does have some insurance properties: it requires incurring costs that are certain (the costs of discovering, developing, and testing vaccines in return for protection against large losses (if a pandemic treatable with one of the vaccines occurs but also with the possibility of no benefit (from a vaccine against a disease that never reaches the pandemic stage. It then argues that insurance against the latter event might usefully be offered to organizations developing vaccines, and explores the benefits of insurance payments to or on behalf of countries who suffer from unpredictable pandemics. These ideas are then related to recent government, industry, and philanthropic efforts to develop better policies to make vaccines against pandemics available on a timely basis.
Nuclear insurance and some of the features associated with it, such as the International Conventions and the operation of Atomic Risk Pools, are discussed both in general and with specific reference to the USA, Canada and the United Kingdom
Freese, William C.
Insurance coverage of school buildings and contents is becoming increasingly difficult to obtain, and increases of 50 percent or more in the premium are not uncommon. Methods of reducing premium increases are outlined in this speech. (MLF)
Department of Housing and Urban Development — The Office of Healthcare Programs (OHP), previously known as the Office of Insured Health Care Facilities, is located within the Office of Housing and administers...
Dimitriyadis, I.; Öney, Ü. N.
This study is an extension to a simulation study that has been developed to determine ruin probabilities in health insurance. The study concentrates on inpatient and outpatient benefits for customers of varying age bands. Loss distributions are modelled through the Allianz tool pack for different classes of insureds. Premiums at different levels of deductibles are derived in the simulation and ruin probabilities are computed assuming a linear loading on the premium. The increase in the probability of ruin at high levels of the deductible clearly shows the insufficiency of proportional loading in deductible premiums. The PH-transform pricing rule developed by Wang is analyzed as an alternative pricing rule. A simple case, where an insured is assumed to be an exponential utility decision maker while the insurer's pricing rule is a PH-transform is also treated.
Bradley, Cathy J.; Neumark, David; Motika, Meryl
Background Employment-contingent health insurance (ECHI) has been criticized for tying insurance to continued employment. Our research sheds light on two central issues regarding employment-contingent health insurance: whether such insurance “locks” people who experience a health shock into remaining at work; and whether it puts people at risk for insurance loss upon the onset of illness, because health shocks pose challenges to continued employment. Objective To determine how men’s dependence on their own employer for health insurance affects labor supply responses and health insurance coverage following a health shock. Data Sources We use the Health and Retirement Study (HRS) surveys from 1996 through 2008 to observe employment and health insurance status at interviews two years apart, and whether a health shock occurred in the intervening period between the interviews. Study Selection All employed married men with health insurance either through their own employer or their spouse’s employer, interviewed in at least two consecutive HRS waves with non-missing data on employment, insurance, health, demographic, and other variables, and under age 64 at the second interview. We limited the sample to men who were initially healthy. Data Extraction Our analytical sample consisted of 1,582 men of whom 1,379 had ECHI at the first interview, while 203 were covered by their spouse’s employer. Hospitalization affected 209 men with ECHI and 36 men with spouse insurance. A new disease diagnosis was reported by 103 men with ECHI and 22 men with other insurance. There were 171 men with ECHI and 25 men with spouse employer insurance who had a self-reported health decline. Data Synthesis Labor supply response differences associated with ECHI – with men with health shocks and ECHI more likely to continue working – appear to be driven by specific types of health shocks associated with future higher health care costs but not with immediate increases in morbidity that
Marie-Cécile FAGART; Bidénam KAMBIA-CHOPIN
This paper considers a competitive insurance market under moral hazard and adverse selection, in which preventive efforts and self-protection costs are unobservable by insurance companies. Under reasonable assumptions, the conclusions of Rothschild and Stiglitz (1976) are preserved in our context even if it involves moral hazard. The riskier agents in equilibrium, who would also be the riskier agents under perfect information, receive their moral hazard contract. For other agents, adverse sel...
Singh, Gopal K.; Siahpush, Mohammad
This study examined the association between unemployment and life expectancy in the United States during 1990–2010. Census-based unemployment rates were linked to US county-level mortality data. Life expectancies were calculated by age, sex, race, and unemployment level during 1990–2010. Differences in life expectancy were decomposed by age and cause of death. Life expectancy was consistently lower in areas with higher unemployment rates. In 2006–2010, those in areas with high unemployment rates (≥9%) had a life expectancy of 76.9 years, compared with 80.7 years for those in areas with low unemployment rates (unemployment and life expectancy was stronger for men than for women. Life expectancy ranged from 69.9 years among black men in high unemployment areas to 90.0 years among Asian/Pacific Islander women in low unemployment areas. Disparities persisted over time. In 1990–1992, life expectancy was 4.7 years shorter in high unemployment than in low unemployment areas. In 2006–2010, the life expectancy difference between the lowest and highest unemployment areas decreased to 3.8 years. Heart disease, cancer, homicide, unintentional injuries, diabetes, HIV/AIDS, and liver cirrhosis contributed most to the lower life expectancy in high unemployment areas. High unemployment areas recorded larger gains in life expectancy than low unemployment areas, contributing to the narrowing gap during 1990–2010. PMID:27073716
Gopal K. Singh
Full Text Available This study examined the association between unemployment and life expectancy in the United States during 1990–2010. Census-based unemployment rates were linked to US county-level mortality data. Life expectancies were calculated by age, sex, race, and unemployment level during 1990–2010. Differences in life expectancy were decomposed by age and cause of death. Life expectancy was consistently lower in areas with higher unemployment rates. In 2006–2010, those in areas with high unemployment rates (≥9% had a life expectancy of 76.9 years, compared with 80.7 years for those in areas with low unemployment rates (<3%. The association between unemployment and life expectancy was stronger for men than for women. Life expectancy ranged from 69.9 years among black men in high unemployment areas to 90.0 years among Asian/Pacific Islander women in low unemployment areas. Disparities persisted over time. In 1990–1992, life expectancy was 4.7 years shorter in high unemployment than in low unemployment areas. In 2006–2010, the life expectancy difference between the lowest and highest unemployment areas decreased to 3.8 years. Heart disease, cancer, homicide, unintentional injuries, diabetes, HIV/AIDS, and liver cirrhosis contributed most to the lower life expectancy in high unemployment areas. High unemployment areas recorded larger gains in life expectancy than low unemployment areas, contributing to the narrowing gap during 1990–2010.
Thiede, Brian C.; Monnat, Shannon M.
Background The Great Recession of 2007–2009 was the most severe and lengthy economic crisis in the U.S. since the Great Depression. The impacts on the population were multi-dimensional, but operated largely through local labor markets. Objective To examine differences in recession-related changes in county unemployment rates and assess how population and place characteristics shaped these patterns. Methods We calculate and decompose Theil Indexes to describe recession-related changes in the distribution of unemployment rates between counties and states. We use exploratory spatial statistics to identify geographic clusters of counties that experienced similar changes in unemployment. We use spatial regression to evaluate associations between county-level recession impacts on unemployment and demographic composition, industrial structure, and state context. Results The recession was associated with increased inequality between county labor markets within states, but declining between-state differences. Counties that experienced disproportionate recession-related increases in unemployment were spatially clustered and characterized by large shares of historically disadvantaged racial and ethnic minority populations, low educational attainment, and heavy reliance on pro-cyclical industries. Associations between these sources of vulnerability were partially explained by unobserved state-level factors. Conclusions The local consequences of macroeconomic trends are associated with county population characteristics, as well as the structural contexts and policy environments in which they are embedded. The recession placed upward pressure on within-state inequality between local labor market conditions. Contribution To present new estimates of the recession’s impact on local labor markets, quantify how heterogeneous impacts affected the distribution of unemployment prevalence, and identify county characteristics associated with disproportionately large recession
Thiede, Brian C; Monnat, Shannon M
The Great Recession of 2007-2009 was the most severe and lengthy economic crisis in the U.S. since the Great Depression. The impacts on the population were multi-dimensional, but operated largely through local labor markets. To examine differences in recession-related changes in county unemployment rates and assess how population and place characteristics shaped these patterns. We calculate and decompose Theil Indexes to describe recession-related changes in the distribution of unemployment rates between counties and states. We use exploratory spatial statistics to identify geographic clusters of counties that experienced similar changes in unemployment. We use spatial regression to evaluate associations between county-level recession impacts on unemployment and demographic composition, industrial structure, and state context. The recession was associated with increased inequality between county labor markets within states, but declining between-state differences. Counties that experienced disproportionate recession-related increases in unemployment were spatially clustered and characterized by large shares of historically disadvantaged racial and ethnic minority populations, low educational attainment, and heavy reliance on pro-cyclical industries. Associations between these sources of vulnerability were partially explained by unobserved state-level factors. The local consequences of macroeconomic trends are associated with county population characteristics, as well as the structural contexts and policy environments in which they are embedded. The recession placed upward pressure on within-state inequality between local labor market conditions. To present new estimates of the recession's impact on local labor markets, quantify how heterogeneous impacts affected the distribution of unemployment prevalence, and identify county characteristics associated with disproportionately large recession-related increases in unemployment.
Full Text Available Background: The Great Recession of 2007-2009 was the most severe and lengthy economic crisis in the US since the Great Depression of the 1930s. The impacts on the population were multi-dimensional, but operated largely through local labor markets. Objective: To examine differences in recession-related changes in county unemployment rates and assess how population and place characteristics shaped these patterns. Methods: We calculate and decompose Theil Indexes to describe recession-related changes in the distribution of unemployment rates between counties and states. We use exploratory spatial statistics to identify geographic clusters of counties that experienced similar changes in unemployment. We use spatial regression to evaluate associations between county-level recession impacts on unemployment and demographic composition, industrial structure, and state context. Results: The recession was associated with increased inequality between county labor markets within states, but declining between-state differences. Counties that experienced disproportionate recession-related increases in unemployment were spatially clustered and characterized by large shares of historically disadvantaged racial and ethnic minority populations, low educational attainment, and heavy reliance on pro-cyclical industries. Associations between these sources of vulnerability were partially explained by unobserved state-level factors. Conclusions: The local consequences of macroeconomic trends are associated with county population characteristics, and the structural contexts and policy environments in which they are embedded. The recession placed upward pressure on within-state disparities in local labor market conditions. Contribution: To present new estimates of the recession's impact on local labor markets, quantify how heterogeneous impacts affected the distribution of unemployment prevalence, and identify county characteristics associated with disproportionately
Goss, E P; Paul, C; Wilhite, A
Modeling the factors affecting the duration of unemployment was found to be influenced by the inclusion of migration factors. Traditional models which did not control for migration factors were found to underestimate movers' probability of finding an acceptable job. The empirical test of the theory, based on the analysis of data on US household heads unemployed in 1982 and employed in 1982 and 1983, found that the cumulative probability of reemployment in the traditional model was .422 and in the migration selectivity model was .624 after 30 weeks of searching. In addition, controlling for selectivity eliminated the significance of the relationship between race and job search duration in the model. The relationship between search duration and the county unemployment rate in 1982 became statistically significant, and the relationship between search duration and 1980 population per square mile in the 1982 county of residence became statistically insignificant. The finding that non-Whites have a longer duration of unemployment can better be understood as non-Whites' lower geographic mobility and lack of greater job contacts. The statistical significance of a high unemployment rate in the home labor market reducing the probability of finding employment was more in keeping with expectations. The findings assumed that the duration of employment accurately reflected the length of job search. The sample was redrawn to exclude discouraged workers and the analysis was repeated. The findings were similar to the full sample, with the coefficient for migration variable being negative and statistically significant and the coefficient for alpha remaining positive and statistically significant. Race in the selectivity model remained statistically insignificant. The findings supported the Schwartz model hypothesizing that the expansion of the radius of the search would reduce the duration of unemployment. The exclusion of the migration factor misspecified the equation for
Research purpose: This study explored the relationship between the psychological career resources(as measured by the Psychological Career Resources Inventory and coping resources (as measured by the Coping Resources Inventory of a sample of 196 young unemployed African graduates. Motivation for study: There is an increasing need for career counsellors and practitioners to explore the psychological attributes and career-related resources that young people employ or require to help them deal with the challenges posed by unemployment during the school-to-work transition phase of their lives. Research design, approach and method: A survey design and quantitative statistical procedures were used to achieve the research objective. Convenience sampling was used on a population of 500 unemployed graduate black people who attended a 12-week Work Readiness Programme (39% response rate. Main findings: Multiple regression analyses indicated that dimensions of psychological career resources contribute signifcantly to explaining the proportion of variance in the participants’coping resources scores. Practical implications: The insights derived from the findings can be employed by career counsellors and practitioners to construct a more comprehensive career framework for the individual in the school-to-work transition phase. Contribution/value-add: The findings add valuable new knowledge that can be used to inform career services concerned with guiding and counselling young graduates in the school-to-work transition phase.
Full Text Available The main objective of this paper is to examine the nexus between the existing university education system and graduate unemployment, and to explore the responses of successive governments to address this issue. It also examines the viability and potential of the knowledge hub as a solution to graduate unemployment. Towards this end, it argues that the solution to graduate employment lies in implementing structural changes that are concurrent to changes that are taking place at the international level in higher education. It illustrates, with the use of relevant sources, the pressing issue of graduate un- and underemployment, and identifies the mismatch between skills and requirements as a major factor contributing to intensify the crisis. It observes that strategies such as training unemployed graduates to enable them to acquire the competencies needed for the modern work place, developing systems to link them to the world of work, re-structuring the university system such that it is more concerned with quality and relevance rather than the width of knowledge imparted, and introducing job-oriented programmes could partially address this issue. It also identifies the proposal to establish a knowledge hub in Sri Lanka as constituting a long term and sustainable strategy not only to mitigate the effects of graduate un- and underemployment, but also to facilitate a lucrative source of revenue for the country.
Full Text Available Unemployment represents one of the economic and social phenomena highly sensitive to changes in the dynamics and structure of the national economy. The impact of the financial crisis, triggered at the end of 2008, had dramatic consequences also on the Romanian economy, which was still fragile and quickly responded as a restriction, a retreat, both preventively and curatively. Negative evolutions occurred in the immediate future in all areas, both economic and social, for many economic operators unemployment representing one of the alternatives to "mitigate" the effects of the crisis. In this context, the paper approaches a series of theoretical aspects related to determining the unemployment indicators and presents the evolution of the main field indicators, in Romania, after 2008, to highlight the negative influence of the global financial and economical crisis. Thus, the analysis of unemployment in Romania after 2008, the year that marked the beginning of the financial crisis, showed a rapid and significant increase of it, at least in 2009, illustrating this thorough the immediate reaction the significant impact of the crisis on the Romanian economy. Although the years 2010 and 2012 showed a slight easing of the situation, the beginning of 2013, as a consequence of the deepening financial problems and of a particularly tense global climate, marked a new period of rising unemployment. Recourse to unemployment, as a result and in response to the financial crisis is a measure which, although apparently has a preventive character of bankruptcy, it will surely not give positive results in the future. It is just a postponement of it, which will ultimately lead to the drastic compression of the activity, to the collapse.
Full Text Available The paper analyses the notion of consumer in the European Union law, and, in particular, the notion of consumer in insurance law. The author highligts the differences between the notion of consumer is in aquis communautaire and in insurance law, discussing whether the consumer can be defined in both field in the same way, concerning that insurance services differ a lot from other kind of services. Having regarded unequal position of contracting parties and information and technical disadvantages of a weaker party, author pleads for broad definition of consumer in insurance law. In Serbian law, the consumer is not defined in consistent way. That applies on Serbian insurance law as well. Therefore, the necessity of precise and broad definition of consumes is underlined, in order to delimit the circle of subject who are in need for protection. The author holds that the issue of determination of the circle of persons entitled to extended protection as consumers is of vital importance for further development of insurance market in Serbia.
Full Text Available This article employs an elaborated model of migration decision-making and behaviour to analyse the influence of individually experienced unemployment and unemployment risk. Following a contrast group design, respondents from two cities inGermanywith different levels of economic prosperity are compared using event history data from a tailor-made panel study. According to a micro-economic approach to migration it is expected that respondents living in an economically deprived city are more likely to decide in favour of migration and actually move compared to those living in a prosperous city because they often perceive opportunities as better elsewhere than at their current place of residence. Moreover, perceiving a risk of becoming unemployed in the near future might trigger migration decision-making more in a deprived city because difficulties to find a new job at the place of residence are anticipated. On the other hand, the new household economics approach and the theory of social networks stress the importance of the meso level. Individuals seldom decide in favour or against migration solely; the family rather makes joint decisions. Former research revealed that for unemployed people social networks are a major source for social support and are therefore especially important. There is evidence that in deprived regions social networks deter individuals stronger from moving than in others. These theoretical considerations and findings lead to the expectation that once people are unemployed they seldom leave deprived regions, what is at odds with the expectations from micro-economic theory. The analyses reveal that the perceived risk of becoming unemployed indeed triggers migration decision-making, but exclusively in the deprived city, whereas people who are already unemployed do not consider or plan leaving the city more often than employed people. Nevertheless, having a partner, children and family at the place of residence might outweigh the
Malmberg-Heimonen, Ira; Julkunen, Ilse
Because of high unemployment rates among youth in Europe, comparative research has focused on identification of those risks and opportunities associated with the integration process from unemployment to work. The integration process of immigrant youth, however, received much less attention, despite their initially higher risk of unemployment than…
Wong, Chack-Kie; Cheung, Chau-Kiu; Tang, Kwong-Leung
Public insurance possibly increases the use of health care because of the insured person's interest in maximizing benefits without incurring out-of-pocket costs. A newly reformed public insurance scheme in China that builds on personal responsibility is thus likely to provide insurance without causing moral hazard. This possibility is the focus of this study, which surveyed 303 employees in a large city in China. The results show that the coverage and use of the public insurance scheme did not show a significant positive effect on the average employee's frequency of physician consultation. In contrast, the employee who endorsed public responsibility for health care visited physicians more frequently in response to some insurance factors. On balance, public insurance did not tempt the average employee to consult physicians frequently, presumably due to personal responsibility requirements in the insurance scheme.
To an extent, public opinion is against Koeberg, inspite of the fact that Escom, Koeberg's prospective licensee, are liable for damages caused in the event of an accident, that they carry public liability insurance bought in the market place to the maximum of ten million rand, and if that is not enough the government will take over responsibility for the rest. A question is put that if this kind of protection carries on, won't there always be a minority of the public who will find nuclear power socially, psychologically and politically unacceptable
Nakaya, N; Nakamura, T; Tsuchiya, N; Tsuji, I; Hozawa, A; Tomita, H
Chronic diseases increase the risk of unemployment even in non-disaster settings; therefore, in post-disaster settings, special attention needs to be paid to the employment status of those suffering from chronic diseases. To examine the association between chronic disease and the risk of unemployment in a disaster area. This cross-sectional study was conducted in Shichigahama Town, Miyagi, north-eastern Japan, where had been severely inundated by the 2011 tsunami. Logistic regression analyses were used to evaluate the association between undergoing medical treatment for a combination of chronic diseases (stroke, cancer, myocardial infarction and angina) and unemployment risk. Confounders such as psychological distress and levels of daily life activity were considered. Among the 2588 individuals studied, there was a statistically significant association between undergoing medical treatment for chronic disease and the risk of unemployment [odds ratio (OR) = 1.7, 95% confidence interval (CI) 1.02-2.7, P unemployment risk was observed only in participants with a higher degree of psychological distress and/or poorer levels of daily life activity. © The Author 2015. Published by Oxford University Press on behalf of the Society of Occupational Medicine. All rights reserved. For Permissions, please email: email@example.com.
Mangasa Augustinus Sipahutar
Effect of credit on economic growth, unemployment and poverty provides evidence from Indonesia on the role of banks credit for promoting economic growth and reducing both unemployment and poverty. To document the link between banks credit and economic growth, we estimate a VAR model and variance decompositions of annual GDP per capita growth rates to examine what proxy measures of banks credit are most important in accounting for economic growth over time and how much they contribute to explaining economic growth. We also estimate an ECM to document the relationship between banks credit to both unemployment and poverty. This paper revealed bi-direction causality between banks credit and economic growth. Banks credit promotes economic growth and economic growth affects credit depth and financial development. Furthermore, banks credit is a growth accelerating factor on Indonesian economic growth. Banks credit is an endogenous growth and a good predictor on Indonesian economy. Our estimation model explained that credit allocated by banks increases business escalation to the real sectors then promotes economic growth, decreases unemployment rate through increasing in labor demanded, increases income and then decrease poverty. This overall transmission mechanism just occurred through presence of banks credit by increasing money supply to the real sectors, promotes growth and social welfare. Keywords : banks credit, economic growth, growth accelerating factor, poverty, unemployment JEL Classification : E51, E52, E58
Wang, Yang; Yao, Lutian; Liu, Li; Yang, Xiaoshi; Wu, Hui; Wang, Jiana; Wang, Lie
Besides the rapid growth of economy, unemployment becomes a severe socio-economic problem in China. The huge population base in China makes the unemployed population a tremendously huge number. However, health status of unemployed population was ignored and few studies were conducted to describe the depressive symptoms of unemployed individuals in China. This study aims to examine the relationship between Big five personality and depressive symptoms and the mediating role of self-efficacy in this relationship. This cross-sectional study was performed during the period of July to September 2011. Questionnaires consisting of the Center for Epidemiologic Studies Depression Scale (CES-D), the Big Five Inventory (BFI) and the General Self-efficacy Scale (GSE), as well as demographic factors, were used to collect information of unemployed population. A total of 1,832 individuals (effective response rate: 73.28%) became our subjects. Hierarchical linear regression analyses were performed to explore the mediating role of self-efficacy. The prevalence of depressive symptoms was 67.7% among Chinese unemployed individuals. After adjusting for demographic characteristics, extraversion, agreeableness and conscientiousness were all negatively associated with depressive symptoms whereas neuroticism was positively associated with depressive symptoms. The proportion of mediating effect of self-efficacy in the relationship between extraversion/agreeableness/conscientiousness/neuroticism and depressive symptoms was 25.42%, 10.91%, 32.21% and 36.44%, respectively. Self-efficacy is a mediator in the relationship between extraversion/agreeableness/conscientiousness/neuroticism and depressive symptoms. Self-efficacy partially mediated the relationship between Big five personality and depressive symptoms among Chinese unemployed individuals. Interventions that focus on both individuals' personality and self-efficacy may be most successful to reduce depressive symptoms of unemployed
There is a well-documented negative correlation between unemployment and health. Yet, little research has examined how unemployment relates to participation in physical activity, and few researchers have considered how an individual's unemployment may affect the health of their spouse or partner. The purpose of this study is to answer three questions: 1. Is one's own unemployment associated with changes in physical activity participation? 2. Is one's partner's unemployment associated with changes in physical activity participation? 3. Do changes in physical activity behaviors associated with unemployment differ by gender? This study uses nationally representative, longitudinal data on couples in the United States, covering the period 1999-2013. These data, obtained from the Panel Study of Income Dynamics, are used to estimate fixed-effects models of the relationships between one's own, and one's partner's, unemployment and participation in physical activity. I find that for men unemployment is not associated with changes in physical activity time. For women, own unemployment is associated with increases in physical activity, whereas a partner's unemployment is associated with decreases in physical activity. I argue that unemployed women, unlike men, are able to take advantage of the increased availability of time through reduced labor supply to invest in their health during unemployment, which could have positive long-run consequences. Results suggest the importance of studying unemployment and health at the household level and suggest a need for further investigation into gender differences in unemployment and health.
Full Text Available There is a well-documented negative correlation between unemployment and health. Yet, little research has examined how unemployment relates to participation in physical activity, and few researchers have considered how an individual's unemployment may affect the health of their spouse or partner. The purpose of this study is to answer three questions: 1. Is one's own unemployment associated with changes in physical activity participation? 2. Is one's partner's unemployment associated with changes in physical activity participation? 3. Do changes in physical activity behaviors associated with unemployment differ by gender? This study uses nationally representative, longitudinal data on couples in the United States, covering the period 1999–2013. These data, obtained from the Panel Study of Income Dynamics, are used to estimate fixed-effects models of the relationships between one's own, and one's partner's, unemployment and participation in physical activity. I find that for men unemployment is not associated with changes in physical activity time. For women, own unemployment is associated with increases in physical activity, whereas a partner's unemployment is associated with decreases in physical activity. I argue that unemployed women, unlike men, are able to take advantage of the increased availability of time through reduced labor supply to invest in their health during unemployment, which could have positive long-run consequences. Results suggest the importance of studying unemployment and health at the household level and suggest a need for further investigation into gender differences in unemployment and health.
LAYTON, TIMOTHY J.; MCGUIRE, THOMAS G.; SINAIKO, ANNA D.
In order to encourage entry and lower prices, most regulated markets for health insurance include policies that seek to reduce the uncertainty faced by insurers. In addition to risk adjustment of premiums paid to plans, the Health Insurance Marketplaces established by the Affordable Care Act implement reinsurance and risk corridors. Reinsurance limits insurer costs associated with specific individuals, while risk corridors protect against aggregate losses. Both tighten the insurer's distribut...
Portuguese Labor force survey, from 4th quarter of 2014 onwards, started geo-referencing the sampling units, namely the dwellings in which the surveys are carried. This opens new possibilities in analysing and estimating unemployment and its spatial distribution across any region. The labor force survey choose, according to an preestablished sampling criteria, a certain number of dwellings across the nation and survey the number of unemployed in these dwellings. Based on this survey, the National Statistical Institute of Portugal presently uses direct estimation methods to estimate the national unemployment figures. Recently, there has been increased interest in estimating these figures in smaller areas. Direct estimation methods, due to reduced sampling sizes in small areas, tend to produce fairly large sampling variations therefore model based methods, which tend to
Jimena del Carmen Gallardo Góngora
Full Text Available This doctoral thesis aims to study some of the aspects of the work of young unemployed Chileans. This was done through the analysis of their “centrality” by taking into account the influence of values and concepts they have about work, in the process of their identity construction. The research was divided into two different sections. The first one is the theoretical framework, which consists of studies and analysis from a social psychological perspective in relation to the phenomena that come up from the main purpose of the study. For example, youth as a psychosocial phenomenon; work as meaning, centrality and psychosocial functions; Identity under a psychosocial approach as well as psychosocial effects due to the unemployment they suffer. The second section of the research is the qualitative analysis, which considers work factors regarding to young unemployed Chileans as well as the influence of such factors in the process of their identity construction.
Full Text Available Incomplete unemployment data is a fundamental problem when evaluating labour market policies in several countries. Many unemployment spells end for unknown reasons; in the Swedish Public Employment Service’s register as many as 20 percent. This leads to an ambiguity regarding destination states (employment, unemployment, retired, etc.. According to complete combined administrative data, the employment rate among dropouts was close to 50 for the years 1992 to 2006, but from 2007 the employment rate has dropped to 40 or less. This article explores an imputation approach. We investigate imputation models estimated both on survey data from 2005/2006 and on complete combined administrative data from 2005/2006 and 2011/2012. The models are evaluated in terms of their ability to make correct predictions. The models have relatively high predictive power.
Full Text Available The issue of the unemployment concerning the population aged between 15-24 years has represented an important subject of research, due to the multiple implications that such a problem propagates on both social and economic sphere. Through this paper we wanted to achieve an updated synthesis of the results of the studies undertaken at an international level treating the unemployment problem among the young population. For combating efficiently this imbalance it is necessary to know its determinative factors. The studies undertaken along years identified determinative factors of different nature and, also, with a diffrent gravity of influence on the modification of the unemployment rate. Among the most important determinative factors the speciality litterature mentions: the demographic tendencies, the economic environment, the regulations concerning the work market and the educational system.
Adil H. Mouhammed
Full Text Available This paper investigates the instability of capitalism defined as a condition under which capitalism creates inflation, unemployment, and business cycles. Great economists such as Marx, Veblen, and Schumpeter have examined this problem, concluding that capitalist instability will transform capitalism. A model is developed in this paper to investigate instability, and the finding is that the basic causebehind instability is the conflict on income share: wages and profits. The fluctuations in the share of profits create inflation, unemployment, and business cycles. This generalization has been verified by using data from the American economy for the 1970s, 1980s, and the 1990s. Over this period, the paper concludes, whenthe profit share is high, moderate inflation and employment were generated, and when profit share is low, inflation, unemployment, and business cycles have appeared.
Berg-Beckhoff, Gabriele; Gulis, Gabriel; Kronborg Bak, Carsten
and circulatory disease. Register-based data was analysed for the period of 2006 to 2009. In the cross-sectional analysis, a multiple logistic regression model was conducted based on the year 2006 and cohort information from the same year onward up to 2009 was available for a cox regression model. Social welfare...... compensated unemployment and both types of disease specific hospital admission was associated statistically significant in the cross-sectional analysis. With regard to circulatory disease, the cohort approach suggests that social welfare compensated unemployment might lead to hospital admission due...... to the disease. Given the significant results in the cross-sectional analysis for hospital admission due to cancer, the unfound cohort effect might indicate a reverse causation suggesting that the disease caused joblessness and finally, social welfare compensated unemployment and not vice versa. Comparing...
This paper explores the risks faced by South African life insurance companies arising from the provision of investment guarantees in products sold. The current thinking and practice of the larger South African life insurance companies regarding investment guarantees is set out following their responses to a survey.
Andersen, Daniel Arnfeldt; Bonat, Wagner Hugo
This paper describes the specification, estimation and comparison of double generalized linear compound Poisson models based on the likelihood paradigm. The models are motivated by insurance applications, where the distribution of the response variable is composed by a degenerate distribution...... implementation and illustrate the application of double generalized linear compound Poisson models using a data set about car insurances....
Full Text Available The aim of the paper that treats the actuarial model of insurance in case of survival or early death is to show the actuarial methods and methodology for creating a model and an appropriate number of sub-models of the most popular form of life insurance in the world. The paper applies the scientific methodology of the deductive character based on scientific, theoretical knowledge and practical realities. Following the basic theoretical model’s determinants, which are at the beginning of the paper, the basic difference between models further in this paper was carried out according to the character of the premium to be paid. Finally, the financial repercussions of some models are presented at examples in insurance companies. The result of this paper is to show the spectrum of possible forms of capital endowment insurance which can be, without major problems, depending on the financial policy of the company, applied in actual practice. The conclusion of this paper shows the theoretical and the practical reality of this model, life insurance, and its quantitative and qualitative guidelines.
The CERN Administration would like to remind you that staff members and fellows have the possibility to take out a life insurance contract on favourable terms through a Group Life Insurance. This insurance is provided by the company Helvetia and is available to you on a voluntary basis. The premium, which varies depending on the age and gender of the person insured, is calculated on the basis of the amount of the death benefit chosen by the staff member/fellow and can be purchased in slices of 10,000 CHF. The contract normally ends at the retirement age (65/67 years) or when the staff member/fellow leaves the Organization. The premium is deducted monthly from the payroll. Upon retirement, the staff member can opt to maintain his membership under certain conditions. More information about Group Life Insurance can be found at: Regulations (in French) Table of premiums The Pension Fund Benefit Service &...
Jayr Figueiredo de Oliveira
Full Text Available Updated September 4, 2014. ----------------------------------------------------------------------------- RETRACTION: The paper “Technology and Unemployment for Executives in Hospitals” by Jayr Figuereido, published in vol 7 (3 2012, has been retracted by the editors because significant parts of the paper were plagiarized and without proper citation to the publication “Gondim, S. M. G., Estramiana, J. L. Á., Luna, A. d. F., Oliveira, T. S. S. d., & Souza, G. C. d. (2010. Atribuições de causas ao desemprego e valores pessoais. Estudos de Psicologia (Natal, 15, 309-317”. This strong determination was taken by the editorial committee in order to correct this misbehavior and to compensate the detriment caused to the academic community. Apologies are offered to our readers for not having spotted this problem during the edition process. We are constantly introducing more tools in our editorial process in order to avoid plagiarism and abuses like the presented in this case. It is in our greatest concern to preserve the academic integrity of our publication. --------------------------------------------------------------- Abstract: This study aims to investigate how managers of health care institutions explain the causes of unemployment, and how this explanation is related to their personal and family values, in accordance with Schwartz’s theoretical model. For that, we used two questionnaires: one analyzes the explanations for unemployment, and the other one is the Portrait Values Questionnaire (PVQ 21 – short version. Employed and formerly unemployed workers do not show any significant differences in explaining the causes of unemployment. On the other hand, regarding values, formerly unemployed workers show universalism and benevolence, values related to the self-transcendence dimension. Employed workers, in turn, show values of security, related to the conservatism dimension. The conclusion is that, even though technological innovations
Thorlacius, Sigurdur; Olafsson, Stefán
To examine and explain the effect of unemployment on the number of disability pensioners in Iceland by examining changes in this relationship from 1992 to 2006. Information on gender and place of residence of new recipients of disability pension in Iceland and corresponding information on unemployment for each year in the period 1992 to 2006. The variables were correlated and disaggregated by gender and regions within Iceland. Two big fluctuations occurred in the rate of new disability pension receivers during the study period, with significant increases in disability from 1993 to 1995 and again from 2003 onwards. Both of these fluctuations are associated with considerable increases in the unemployment rate. The extent of new disability pensioners declined again when the level of unemployment went down, even though not to the same relative extent. In the upswing from 2003 a delay of about a year in the increase of disability pensioners' numbers, following the rise in unemployment rate, became more prominent and the overall rate of new disability pensioners reached new highs. The relationship applies equally to the capital area as well as the provincial areas as a whole. There is though a small deviation in three of the seven provincial areas, with less decline of the disability rate on the downswing. Health and capability condition determine the overall disability rate, but fluctuations over time are related to environmental conditions in the labour market, especially the unemployment rate. The features of the welfare system, especially the benefit and rehabilitation system, as well as the extent and character of activation measures in the labour market also influence the number of disability pensioners. A new method of disability assessment from late 1999 may have had some influence on the relationship during the latter part of the period and increasing applications from people with mental and psychiatric deficiencies seems to have had a significant influence on
Obadović Mirjana M.
Full Text Available Every day insurance companies face a number of risks arising from the insurance industry itself, as well as risks arising from insurance company operations. In this constant fight against risks insurance companies use different models and methods that help them better understand, have a more comprehensive view of, and develop greater tolerance towards risks, in order to reduce their exposure to these risks. The model presented in this paper has been developed for implementation in insurance risk management directly related to insurance company risk, i.e. it is a model that can reliably determine the manner and intensity with which deviations in the initial insurance risk assessment affect insurance company operations, in the form of changes in operational risks and consequently in insurance companies’ business strategies. Additionally we present the implementation of the model in the Serbian market for the period 2005-2010.
Ravi SS Toor
Full Text Available Dental insurance is insurance designed to pay the costs associated with dental care. The Foreign Direct Investment (FDI bill which was put forward in the winter session of the Lok Sabha (2008 focused on increasing the foreign investment share from the existing 26% to 49% in the insurance companies of India. This will allow the multibillion dollar international insurance companies to enter the Indian market and subsequently cover all aspects of insurance in India. Dental insurance will be an integral a part of this system. Dental insurance is a new concept in Southeast Asia as very few countries in Southeast Asia cover this aspect of insurance. It is important that the dentists in India should be acquainted with the different types of plans these companies are going to offer and about a new relationship which is going to emerge in the coming years between dentist, patient and the insurance company.