In the Netherlands, firms may opt out from public to private disability insurance (DI). Opponents of this “mixed market” for insurance argue that it may trigger a segmentation between firms with high risks with public insurance and low disability risks with private insurance. This article tests the importance of such risk segmentation, using administrative information on DI benefits and opting-out decisions of a panel of about 250,000 Dutch firms between 2007 and 2011.

Jaar van uitgave:

2018

Publicatie:

B.E. Journal of economic analysis and policy

Auteurs:

Pierre Koning
Wim Zwinkels
Wolter Hassink