Disability income insurance and the individual

1991 ◽  
Vol 1 (1) ◽  
pp. 61-78 ◽  
Author(s):  
L Cox
2007 ◽  
Vol 35 (S2) ◽  
pp. 40-46 ◽  
Author(s):  
David J. Christianson

This article discusses the disability insurance industry in order to provide context regarding the potential impact of genetic testing on disability insurance. It describes disability income insurance, exploring both the protection it offers and its main contract provisions. It goes on to describe the private insurance market and the differences between group and individual insurance, and concludes with implications of genetic testing with respect to the private disability insurance market. The individual disability income insurance market is theoretically of great interest as a matter of public policy since there is potential for unfair discrimination through genetic testing although this remains very unlikely as a matter of practice, however.It is more likely that a person will become disabled than die before age 65. The loss of income during a disability can be quite devastating. In contrast to the high risk and high impact of disability are the realities of the disability market.


1960 ◽  
Vol 46 (12) ◽  
pp. 925-927
Author(s):  
David C. Hamilton ◽  
Howard H. Dukes ◽  
B.Edwin Erikson ◽  
George E. Ewan ◽  
Walter R. Bedell ◽  
...  

2003 ◽  
Vol 30 (1-2) ◽  
pp. 425-454 ◽  
Author(s):  
James A. Swartz ◽  
Zoran Martinovich

This paper examines the response of former SSI DA&A beneficiaries to the loss of benefits across multiple areas of functioning and across time. The main purposes of the study were to determine how termination of the DA&A program affected individuals generally, to understand the degree of variation in response to lost benefits, and to determine the individual and social correlates of improvement and decline given expected individual variations in adaptability. Self-report data collected at six-month intervals over two years at nine study sites from 1,640 former SSI DA&A recipients were analyzed to assess the overall degree of change across seven areas of functioning. Contrary to expectations, we found that the majority of subjects had maintained a constant level of functioning or were slightly improved. However, those who were among the heaviest alcohol and drug users at baseline and who were not able to substantially replace their lost disability income were the most likely to show deteriorations in functioning.


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