Employers and Unemployment Insurance Take-Up

• 成果类型: Article
• 署名作者: Lachowska, Marta; Sorkin, Isaac; Woodbury, Stephen A.
• 署名单位: W.E. Upjohn Institute for Employment Research; Stanford University; National Bureau of Economic Research; Michigan State University
• 刊物名称: AMERICAN ECONOMIC REVIEW
• ISSN/ISSBN: 0002-8282
• DOI: 10.1257/aer.20230195
• 发表日期: 2025
• 页码: 2529-2573
• 关键词: workers; taxes; firm; Heterogeneity; CONSEQUENCES; EMPLOYMENT; benefits; layoffs; receipt; unions

摘要

We quantify the employer's role in unemployment insurance (UI) take-up. Employer effects on claiming and appeals are substantial, and those effects are negatively correlated, consistent with appeals deterring claims. Low-wage workers are less likely to claim and more likely to have their claims appealed than median-wage workers. Employer effects help explain these income gradients, so equalizing employer effects on claiming would increase the progressivity of UI. Finally, the main source of targeting error in UI is that eligible workers do not claim. (JEL J22, J31, J63, J64, J65)