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Committee reports. 1995 Hawaii Dental Association Insurance Committee survey results.
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[Transformations in the transition between work activity and retirement in Europe: new stakes for social security].
"The tendency towards early retreat from the work force observed in Europe over the past years can be attributed to social security measures other than old age security, and is not simply due to an advancing retirement age. Two programmes have been especially favoured for protecting ageing workers: disability insurance and unemployment insurance. Preretirement compensation packages have also facilitated the early departure of these workers from the labour force, whether employed or not. Such emerging models in the transition from work activity to retirement are revealing, both in terms of the social restructuring of the life cycle, and the overhaul of the social safety net. These transformations are analyzed in conclusion in relation with their potential role in new stakes for social security." (SUMMARY IN ENG AND SPA)
The upper part of the earnings distribution in the United States: how has it changed?
This article uses Social Security Administration data to examine changes in the upper end of the earnings distribution over the period 1982-1995. These data provide a unique opportunity for analyzing those changes because they come directly from W-2 forms and are not topcoded--obvious advantages over data typically provided by surveys such as the Current Population Survey. Although they do not provide some of the information necessary to explain what one observes occurring at the top of the earnings distribution (no educational attainment information, for example), these data are sufficient for describing in great detail what happened to high earners through the 1980s and into the 1990s. This analysis clearly demonstrates the extent to which earnings are concentrated at the top of the distribution. The study's findings reinforce those of Feenberg and Poterba (2000) by showing that the very highest earners--those in the upper 1 percent--experienced the largest relative increase in earnings share from 1982 to 1995. Even within that upper 1 percent, those with earnings in the upper 0.1 percent were the ones driving the increase in the group's earnings share. Perhaps not surprisingly, the overwhelming majority of the highest earners are white men who are in the middle to latter part of their working lives. Women have made strides toward entering this elite group of earners but still form a very small percentage of the group relative to their size in the working population. Very few blacks are in the extreme upper tail of the earnings distribution, and they have made very little progress (in absolute terms) over the period 1982-1995 in increasing their numbers. In contrast, persons of racial/ethnic backgrounds other than white or black have increased their presence among top earners. They went from being relatively underrepresented in the top 0.1 percent in 1982 to being overrepresented by 1995; that is, they accounted for a larger share of the top 0.1 percent of earners than they did of the entire working population. Finally, the study also finds that the percentage of overall wage and salary earnings from Social Security-covered employment that is not taxed for the purposes of Old-Age, Survivors, and Disability Insurance because of the taxable maximum generally increased over the 1982-1995 period. Wage and salary earnings above the taxable maximum rose at a faster rate than is the average wage.
[What does the sick leave cost?].
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[Are we prepared on July 1 for the new health insurance?].
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[A side-kick against the sick-listed].
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Where there's a Will ... planning for difficult times.
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Comparison of individual characteristics and death rates of disabled-worker beneficiaries entitled in 1972 and 1985.
The many changes to the Disability Insurance (DI) program that took place during the early 1980's suggest that there may be significant differences in the characteristics of newly awarded beneficiaries over time. This study compares two cohorts of newly entitled beneficiaries--one from 1972 and the other from 1985--in order to assess changes in individual characteristics and death rates between the pre-1980's and the late 1980's. The 1985 cohort had a greater percentage of beneficiaries with mental impairments and a lower percentage with diseases of the circulatory system. The 1985 cohort was also younger, more educated, had higher primary insurance amount levels, and had greater percentages of women and black beneficiaries. Although the death rates and survival curves for both cohorts were very similar, differences in the curves occurred for some covariate subgroups. When the populations were standardized, the estimated percentages of beneficiaries who survived 5 years after entitlement were 78 percent for the 1972 cohort and 77 percent for the 1985 cohort.
Insurance and epidemics: SARS, West Nile virus and Nipah virus.
Severe acute respiratory syndrome (SARS) reminds us that sudden disease emergence is a permanent part of our world--and should be anticipated in our planning. Historically the emergence of new diseases has had little or no impact beyond a small, localized cluster of infections. However, given just the right conditions, a highly virulent pathogen can suddenly spread across time and space with massive consequences, as has occurred on several occasions in human history. In the wake of the SARS outbreak, we are now forced to confront the unpleasant fact that human activities are increasing the frequency and severity of these kinds of emergences. The idea of more frequent biological "invasions" with economic and societal impacts comparable to SARS, presents stakeholders in and the global economy with unprecedented new risks, challenges and even opportunities. As a major contributor to economic stability, the insurance industry must follow these trends very closely and develop scenarios to anticipate these events.
Impact of human immunodeficiency virus on medical and surgical residents.
BACKGROUND--Previous surveys of resident physicians on human immunodeficiency virus (HIV) matters have tended to focus on urban programs serving a patient population with an expected high prevalence of HIV infection. The objective of this study was to survey a community hospital residency program in a nonurban area with a perceived low HIV patient seroprevalence. METHODS--A 32-question survey was completed on an anonymous basis by the entire 74 member multidisciplinary resident physician group at a two-campus university-affiliated hospital program in southeastern Pennsylvania in May 1991. RESULTS--Residents perceived their patient population's HIV seroprevalence rate to be low although they believed their personal risk of occupational exposure to blood-borne infection was moderate to high. House staff most often complied with universal precautions for fear of acquiring a blood-borne illness and most often did not comply because of time constraints. Not perceiving the exposure as a health risk was the primary reason for nonreporting of exposures. Occupational exposure rates were alarmingly high, with suturing using a curved needle being the most common exposure method. Most residents were unfamiliar with HIV legislation. A majority of the house staff wanted improved HIV patient management training and life and disability insurance against occupationally acquired HIV. Many other important issues were addressed in this survey. CONCLUSION--Residents even in low seroprevalence environments do fear occupationally acquired HIV. A great need exists for improved training in universal precautions, acquired immunodeficiency syndrome legislation, and HIV patient management as well as for insurance against occupationally acquired HIV.
Just genetic discrimination? The ethics of Australian law reform proposals.
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Trouble in paradise. Hospitals draw scrutiny for use of offshore insurers.
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[Is nursing insurance a nursing care case?].
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Understanding prohibitions against genetic discrimination in insurance.
The justification for laws prohibiting genetic discrimination in health insurance is not at all clear. Neither privacy protection, the distinctive features of health insurance, nor the distinction between presymptomatic genetic tendencies and actually manifested disease provide a justification, although certain practical considerations may justify these laws.