Employment and Wages Covered by Unemployment Insurance, Final Statewide Data, Third Quarter, 2003

Third Quarterly County information for Census of Employment & Wage, Statewide

Employment and Wages Covered by Unemployment Insurance, Final County Data, Fourth Quarter, 2003

Fourth Quarterly County information for Census of Employment & Wage, County

Employment and Wages Covered by Unemployment Insurance, Final Statewide Data, Fourth Quarter, 2003

Fourth Quarterly County information for Census of Employment & Wage, Statewide

The influence of supplementary health insurance on switching behaviour: evidence from Swiss data.

This paper focuses on the switching behaviour of enrolees in the Swiss basic health insurance system. Even though the new Federal Law on Social Health Insurance (LAMal) was implemented in 1996 to promote competition among health insurers in basic insurance, there is limited evidence of premium convergence within cantons. This indicates that competition has not been effective so far, and reveals some inertia among consumers who seem reluctant to switch to less expensive funds. We investigate one possible barrier to switching behaviour, namely the influence of supplementary insurance. We use survey data on health plan choice (a sample of 1943 individuals whose switching behaviours were observed between 1997 and 2000) as well as administrative data relative to all insurance companies that operated in the 26 Swiss cantons between 1996 and 2005. The decision to switch and the decision to subscribe to a supplementary contract are jointly estimated.Our findings show that holding a supplementary insurance contract substantially decreases the propensity to switch. However, there is no negative impact of supplementary insurance on switching when the individual assesses his/her health as 'very good'. Our results give empirical support to one possible mechanism through which supplementary insurance might influence switching decisions: given that subscribing to basic and supplementary contracts with two different insurers may induce some administrative costs for the subscriber, holding supplementary insurance acts as a barrier to switch if customers who consider themselves 'bad risks' also believe that insurers reject applications for supplementary insurance on these grounds. In comparison with previous research, our main contribution is to offer a possible explanation for consumer inertia. Our analysis illustrates how consumer choice for one's basic health plan interacts with the decision to subscribe to supplementary insurance.

The impact of uncertain precipitation data on insurance loss estimates using a flood catastrophe model

Catastrophe risk models used by the insurance industry are likely subject to significant uncertainty, but due to their proprietary nature and strict licensing conditions they are not available for experimentation. In addition, even if such experiments were conducted, these would not be repeatable by other researchers because commercial confidentiality issues prevent the details of proprietary catastrophe model structures from being described in public domain documents. However, such experimentation is urgently required to improve decision making in both insurance and reinsurance markets. In this paper we therefore construct our own catastrophe risk model for flooding in Dublin, Ireland, in order to assess the impact of typical precipitation data uncertainty on loss predictions. As we consider only a city region rather than a whole territory and have access to detailed data and computing resources typically unavailable to industry modellers, our model is significantly more detailed than most commercial products. The model consists of four components, a stochastic rainfall module, a hydrological and hydraulic flood hazard module, a vulnerability module, and a financial loss module. Using these we undertake a series of simulations to test the impact of driving the stochastic event generator with four different rainfall data sets: ground gauge data, gauge-corrected rainfall radar, meteorological reanalysis data (European Centre for Medium-Range Weather Forecasts Reanalysis-Interim; ERA-Interim) and a satellite rainfall product (The Climate Prediction Center morphing method; CMORPH). Catastrophe models are unusual because they use the upper three components of the modelling chain to generate a large synthetic database of unobserved and severe loss-driving events for which estimated losses are calculated. We find the loss estimates to be more sensitive to uncertainties propagated from the driving precipitation data sets than to other uncertainties in the hazard and vulnerability modules, suggesting that the range of uncertainty within catastrophe model structures may be greater than commonly believed.

Data pertinent to a review of minimum wage rates established under the Fair labor standards act for newly covered employment in the banking, insurance, and finance industry in Puerto Rico /

Alternate pages blank.

A feasibility study of the use of unemployment insurance wage-record data as an evaluation tool for JTPA : report on project's phase I activities /

"January 1991."

Using unemployment insurance wage-record data for JTPA performance management.

"June 1992."

Seasonal workers in California: A study of four seasonal industries to provide basic data relating to the problem of eligibility for unemployment insurance.

Cover has: Research series. Bulletin no. 21. California. Employment Stabilization Commission.

Effect of unemployment insurance on duration of unemployment : a study based on CWBH data for Florida /

Bibliography: p. 101-104.

Identification of dislocated workers utilizing unemployment insurance administrative data : results from a five state analysis /

"April 1984."

Maine occupational staffing for selected nonmanufacturing industries : mining, construction, finance, insurance, and real estate services, except hospitals and education : data for second quarter 1990 /

"Issued July 1992."

Maine occupational staffing for selected nonmanufacturing industries : construction, finance, insurance, and real estate services, except hospitals and education : data for second quarter 1993 /

"Issued December 1994."

Analysis of the claims data of a life insurance portfolio

Mestrado em Ciências Actuariais

Pricing farm-level agricultural insurance: a Bayesian approach

This paper applies Hierarchical Bayesian Models to price farm-level yield insurance contracts. This methodology considers the temporal effect, the spatial dependence and spatio-temporal models. One of the major advantages of this framework is that an estimate of the premium rate is obtained directly from the posterior distribution. These methods were applied to a farm-level data set of soybean in the State of the Parana (Brazil), for the period between 1994 and 2003. The model selection was based on a posterior predictive criterion. This study improves considerably the estimation of the fair premium rates considering the small number of observations.