Disability Insurance and Health Insurance Reform: Evidence from Massachusetts | Zendy

Nicole Maestas | Zendy; Kathleen J. Mullen | Zendy; Alexander Strand | Zendy

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Disability Insurance and Health Insurance Reform: Evidence from Massachusetts

Author(s) -

Nicole Maestas,

Kathleen J. Mullen,

Alexander Strand

Publication year - 2014

Publication title -

american economic review

Language(s) - English

Resource type - Journals

SCImago Journal Rank - 16.936

H-Index - 297

eISSN - 1944-7981

pISSN - 0002-8282

DOI - 10.1257/aer.104.5.329

Subject(s) - disability insurance , social security , health insurance , actuarial science , self insurance , income protection insurance , group insurance , insurance policy , casualty insurance , health care , business , general insurance , economics , demographic economics , economic growth , market economy

As health insurance becomes available outside of the employment relationship as a result of the Affordable Care Act (ACA), the cost of applying for Social Security Disability Insurance (SSDI)–potentially going without health insurance coverage during a waiting period totaling 29 months from disability onset–will decline for many people with employer-sponsored health insurance. At the same time, the value of SSDI and Supplemental Security Income (SSI) participation will decline for individuals who otherwise lacked access to health insurance. We study the 2006 Massachusetts health insurance reform to estimate the potential effects of the ACA on SSDI and SSI applications.

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