Economic Effects of Unemployment Insurance and Workers' Compensation

失业保险是一项重要而昂贵的计划。1987年，每周有200多万人领取失业保险，费用为151亿美元。工人补偿(WC)是一项日益昂贵的计划，目前的成本几乎是失业保险计划的两倍。1970至1987年间，在扣除通货膨胀因素后，WC福利支出以每年7%的速度增长。在1987年，福利总支出达到274亿美元，雇主的保险费用超过340亿美元。这项研究的目的是通过检查在福利增加之前和之后提交申请的人来评估更高的UI和WC福利的影响。这些自然实验提供了可能与许多结果相关的利益的外生变化。WC研究包括对医疗费用控制、受伤后健康和收入以及收入分配影响的检查。UI研究包括对UI体验评级及其与裁员和召回的关系、某些个人和公司的UI收据集中程度以及公司裁员和召回历史的检查。这项研究的一个重要部分是对包含3000多万条记录的大型数据集进行记录，这为分析这些问题和其他问题提供了一个近乎理想的来源。

Unemployment Insurance (UI) is an important an expensive program. In 1987, over 2.0 million people received unemployment insurance each week at a cost of 15.1 billion dollars. Workers' Compensation (WC) is an increasingly expensive program that currently costs almost twice as much as the Unemployment Insurance Program. Between 1970 and 1987, WC benefit payments rose at an annual rate of 7% after accounting for inflation. In 1987, total benefit payments reached $27.4 billion, with an insurance cost to employers of more than $34 billion. The purpose of this research is to assess the effects of higher UI and WC benefits by examining people who file just before and just after increases in benefits. These natural experiments provide exogenous changes in benefits that can be related to a number of outcomes. The WC study includes an examination of medical cost containment, post-injury health and earnings, and income distribution effects. The UI study includes an examination of UI experience rating and its relationship to layoffs and recalls, the concentration of UI receipts in certain individuals and firms, and firm histories of layoffs and recalls. An important part of this study is the documentation of a large data set, containing over 30 million records, which provides a nearly ideal source to analyze these and other questions.