Journal of Risk and Insurance

This academic risk management and insurance journal provides research in industrial organization of insurance markets, management of risks in the private and public sectors, insurance regulation and more.

Articles from Vol. 60, No. 1, March

Duration, Systematic Risk, and Employee Valuation of Default-Free Pension Claims: Comment
A Misdirected Focus on Pre-Retirement Pension Value The compensating differential model of labor contracts holds that employees pay for their pension claims by foregoing other compensation such as cash wages. Thus, the valuation of pension claims from...
Duration, Systematic Risk, and Employee Valuation of Default-Free Pension Claims: Reply
Two Premises Niehaus's (1993) comment on my article in this journal on employee pension claims (Nader, 1990) holds that "the focus on pre-retirement valuation is misdirected." He advances arguments that support this view and he develops a two-period...
Risk Classification and Sex Discrimination in Pension Plans
Risk Classification and Statistical Discrimination How do I know you will be a favorable juror, a long-term employee, a successful student, a profitable insurance or credit risk, or a responsible tenant? People are heterogeneous in their risk characteristics,...
The Economics and Politics of Automobile Insurance Rate Classification
Press). Austin, Regina, 1983, The Insurance Classification Controversy, University of Pennsylvania Law Review, 131: 517-583. Baumol, William J., 1991, Technological Imperatives, Productivity and Insurance Costs, Geneva Papers on Risk and Insurance,...
The Effect of Health Insurance Cost Sharing within Episodes of Medical Care
Moral Hazard Control It has long been recognized that health insurance can inflate medical care expenditures by introducing moral hazard into the medical care consumption decision (Pauly, 1968; Feldstein, 1971; Feldstein, 1977). By forcing consumers...
The Impact of Liabilities for Retiree Health Benefits on Share Prices
Defined Benefit Pension Plans, in: J. Turner and D. Beller, eds., Trends in Pensions (Washington, D.C.: U.S. Department of Labor). Warshawsky, M., 1992a, The Uncertain Promise of Retiree Health Benefits: An Evaluation of Corporate Obligations (Washington,...
The Value of Information in Insurance Pricing
Introduction If an insurer charges too much for a risk, it is likely to lose that business, and if it charges too little, it is likely to lose money. Little research has been conducted, however, on the value of increasing the accuracy of pricing, on...
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