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SUMMARY:The Interaction of Private and Public Disability Insurance: Moral 
 Hazard\, Insurance\, and Welfare
DTSTART;TZID=Europe/London:20260616T160000
DTEND;TZID=Europe/London:20260616T171500
DTSTAMP:20260614T180659Z
UID:41e0e299-6219-f111-8342-7c1e522d9057
CREATED:20260306T140336Z
DESCRIPTION:I study the interaction between private and public disability 
 insurance (DI). Using comprehensive contract data from a major German insu
 rer combined with representative administrative and survey data\, I estima
 te a dynamic life-cycle model of insurance\, savings\, and labor supply ch
 oices. I find that private DI imposes significant fiscal costs on public D
 I by increasing public DI claims. As public DI becomes more generous\, pri
 vate DI reduces welfare gains and eventually reduces welfare. Conversely\,
  private DI can offset welfare losses from public cuts\, allowing for welf
 are-enhancing and cost-reducing reforms.
LAST-MODIFIED:20260610T095358Z
LOCATION:Manor Road Building - Skills Lab\, Skills Lab Manor Road Building
  Manor Road Oxford Oxfordshire OX1 3UQ United Kingdom
SPEAKER:Sebastian Seitz
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