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Federal Reserve Bank of San Francisco
FRBSF Economic Letter
Life-cycle shocks and income
Kenneth A. Couch
Mary C. Daly
Colin Gardiner

Unexpected events such as job displacement, disability, and divorce can have negative effects on individual and family income. For many families, social insurance provided by the government plays an important role in buffering the impact of these shocks. However, on average, Americans depend more on private resources rather than the public sector to insure against these losses.

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Kenneth A. Couch & Mary C. Daly & Colin Gardiner, "Life-cycle shocks and income" , Federal Reserve Bank of San Francisco, FRBSF Economic Letter, number 08, 2011.
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Keywords: Households - Economic aspects ; Unemployment
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