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The Simple analytics of job displacement insurance

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<title>Simple analytics of job displacement insurance</title>
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<namePart>Parsons, Donald O.</namePart>
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<abstract displayLabel="Summary">Job displacement is a threat to the earnings of long-tenured workers through unemployment spells and reduced reemployment wages. Although full insurance requires both unemployment benefits and wage insurance, supply difficulties limit actual-loss insurance, and separation packages include partial unemployment insurance and scheduled (fixed sum) severance pay. The design of this two-dimensional package requires a systems approach as well as a generalized replacement ratio measure of adequacy. Job search moral hazard and layoff moral hazard (firing costs) introduce serious contracting concerns. Economic theory provides a guide to the integration of these insurance instruments in this complex planning environment.</abstract>
<note type="statement of responsibility">Donald O. Parsons</note>
<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080593391">
<topic>Seguro de desempleo</topic>
</subject>
<subject xmlns:xlink="http://www.w3.org/1999/xlink" xlink:href="MAPA20080588953">
<topic>Análisis de riesgos</topic>
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<title>The Journal of risk and insurance</title>
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<publisher>Nueva York : The American Risk and Insurance Association, 1964-</publisher>
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<identifier type="issn">0022-4367</identifier>
<identifier type="local">MAP20077000727</identifier>
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<text>03/06/2019 Volumen 86 Número 2 - junio 2019 , p. 351-380</text>
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