CHAP14Unemployment Insurance, Disability Insurance, and Workers’ Compensation 公共金融与 及公共政策课件.pptVIP

2 of 26 14.5 Implications for Program Reform Unemployment Insurance, Disability Insurance, and Workers’ Compensation 14.3 Moral Hazard Effects of Social Insurance Programs 14.2 Consumption-Smoothing Benefits of Social Insurance Programs 14.1 Institutional Features of Unemployment Insurance, Disability Insurance, and Workers’ Compensation Chapter 14 14.4 The Costs and Benefits of Social Insurance to Firms 14.6 Conclusion Unemployment insurance, workers’ compensation, and disability insurance are three of the largest social insurance programs in the United States, and they share many common features. 3 of 26 Institutional Features of Unemployment Insurance, Disability Insurance, and Workers’ Compensation Institutional Features of Unemployment Insurance unemployment insurance A federally mandated, state-run program in which payroll taxes are used to pay benefits to workers laid off by companies. partially experience-rated The tax that finances the UI program rises as firms have more layoffs, but not on a one-for-one basis. 4 of 26 Institutional Features of Unemployment Insurance, Disability Insurance, and Workers’ Compensation Institutional Features of Unemployment Insurance 5 of 26 Institutional Features of Unemployment Insurance, Disability Insurance, and Workers’ Compensation Institutional Features of Disability Insurance disability insurance A federal program in which a portion of the Social Security payroll tax is used to pay benefits to workers who have suffered a medical impairment that leaves them unable to work. Institutional Features of Workers’ Compensation workers’ compensation State-mandated insurance, which firms generally buy from private insurers, that pays for medical costs and lost wages associated with an on-the-job injury. 8 of 26 Institutional Features of Unemployment Insurance, Disability Insurance, and Workers’ Compensation Comparison of the Features of UI, DI, and WC 9 of 26 The Duration of Social Insurance Benefits Around the World  A P