Prior studies of means-testing in college financial aid formulas have analyzed the disincentives to save attributable to the inclusion of assets in the formulas. Such disincentives are only half of a standard incentives--insurance trade-off. When income is uncertain, a financial aid formula that conditions aid on assets and income provides…

We conduct a survey-based experiment with 2,776 students at a non-profit university to analyze income insurance demand in education financing. We offered students a hypothetical choice: either a federal loan with income-driven repayment or an income-share agreement (ISA), with randomized framing of downside protections. Emphasizing income…

This study investigates the Asymmetric Information Management (AIM) technique's ability to detect fraudulent insurance claims submitted online. The AIM instructions inform claimants that, inter alia, more detailed statements are easier to accurately classify as genuine or fabricated. To test this, truth tellers (n = 55) provided an honest…

Opioid use is common among Social Security Disability Insurance (SSDI) beneficiaries, who account for a disproportionate share of opioid-related hospitalizations and mortality in the United States. However, little is known about the prevalence of opioid use prior to SSDI enrollment. Understanding when opioid use is established and how it…

Policymakers across the country are seeking to better understand credentials of value--the education and training programs that help workers fill in-demand and growing jobs in their states. But right now, leaders are lacking the complete set of information they need to understand P-20W (early childhood, K-12, postsecondary, and workforce) pathways…

The National Disability Insurance Scheme (NDIS) constitutes a major policy reform for Australian people with disabilities. Despite its ten-year implementation, little is known about the characteristics of the workforce delivering Australia's NDIS early childhood intervention services (ECI). The present study sought to identify the range of skills,…

Private higher educational institutions are at a high risk of cyber-attacks based on the amount of data they consume about students, their families, donors, faculty, and employees. I determined that there was a gap in the body of knowledge concerning how IT leaders in private higher education secure their information assets. The purpose of this…

Purpose: Current study intends to examine key human resources practices (human capital, training and rewards) that influence employee commitment and service recovery performance (SRP) of Takaful industry agents in Southeast Asian region. The Takaful industry is facing stiff competition with conventional insurance industry in Malaysia and Indonesia…

This paper explores the Centre for Insurance, Risk and Data Analytics Studies (CIRDAS) as a case study of online adult education which offers flexible upskilling and reskilling opportunities to employees across the Irish insurance sector. It explores how CIRDAS's agile programme development enabled flexible entry, exit and progression routes for…

We examine the impact of local labor market shocks and state unemployment insurance (UI) policies on student discipline in U.S. public schools. Analyzing school-level discipline data and firm-level layoffs in 23 states, we find that layoffs have little effect on discipline rates on average. However, effects differ across the UI benefit…

As employability has become a more visible graduate attribute, it is becoming recognised that a better understanding of information practices in work may enable a smoother transition from university to employment. This paper discusses the current state of workplace information literacy and presents the findings of research into staff experiences…

This article demonstrates how, and provides all necessary material, to utilize experiential classroom integration of an earthquake insurance policy as an engaging and immersive tool to introduce business law students to applied contract analysis and interpretation. Students also gain an understanding of insurance concepts through this exercise.…

Consistent messaging about reliable processes is valuable when educating about risk management. Recent research has shown that national and state financial literacy education (FLE) curricula have risk management and insurance standards with inconsistent tendencies. Informed by Beauchamp's (1961) field of curriculum theory, this conceptual essay…

Diagnostic reasoning is an important topic in General Practitioners' (GPs) vocational training. Interestingly, research has paid little attention to the content of the cases used in clinical reasoning education. Malpractice claims of diagnostic errors represent cases that impact patients and that reflect potential knowledge gaps and contextual…

This case study looks both backwards and forwards at real and potential incidents and risks created by the use of various levels of self-driving vehicles. The case provides background on autonomous vehicle technology, the legal and risk management frameworks involved, and a variety of scenarios for students to consider. The scenarios provide the…