Moral Hazard and Claims Deterrence in Private Disability Insurance
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We provide a detailed analysis of the incidence, duration and determinants of claims made on private Long Term Disability (LTD) policies using a database of approximately 10,000 policies and 1 million workers from a major LTD insurer. We document that LTD claims rates are much lower than claims
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美国国家经济研究局创建时间：
2012-06-01
