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Working Paper
Household Finance after a Natural Disaster: The Case of Hurricane Katrina
Hartley, Daniel; Gallagher, Justin (2014-08-12)
Little is known about how affected residents are able to cope with the fi nancial shock of a natural disaster. We investigate the impact that flooding from a major US hurricane had on household finance. Spikes in credit card borrowing and overall delinquency rates for the most flooded residents are modest in size and short-lived. Greater flooding results in larger reductions in total debt. Lower debt levels appear to be driven by homeowners using flood insurance to repay their mortgages rather than to rebuild. Debt reductions are larger in census tracts where mortgages were likely to be ...
Working Papers (Old Series) , Paper 1406

Newsletter
What is Business Interruption Insurance and How is it Related to the Covid-19 Pandemic?
Ramnath, Shanthi (2020-04)
After nonessential businesses shut down their operations to slow the spread of the Covid-19 virus in March 2020, many business owners looked to their property insurance policies for relief. Such policies often include business interruption (BI) insurance, which covers income losses if a business is forced to close. Given the shelter-in-place orders issued by state and local governments, BI coverage was assumed by many to apply. For example, Greg Wells, the chief executive of Atlantic Coast Athletic Clubs (ACAC), told the Washington Post: “That’s what you have this type of insurance for. ...
Chicago Fed Letter , Issue 440 , Pages 5

Newsletter
Do Insurers in Catastrophe-Prone Regions Buy Enough Reinsurance?
Drexler, Alejandro; Eloundou Nekoul, Florentine M. (2016)
To protect themselves from catastrophic losses, insurance companies buy insurance, in the same way that people do. These contracts are called reinsurance agreements, and come in two main forms: proportional and nonproportional contracts. In proportional reinsurance contracts, a reinsurer agrees to repay a fixed proportion of losses incurred by the primary insurer. The simplicity of the agreement makes these types of contracts inexpensive and easy to administer. Therefore, they can be ideal risk-management tools for small insurance companies.
Chicago Fed Letter

Conference Paper
A proposal for \"financial institutions' secured asset-backed insurance fund\" or FINSAIF
Passmore, Wayne; Hancock, Diana (2010)
Proceedings , Paper 1139

Working Paper
The effect of old-age insurance on male retirement : evidence from historical cross-country data
Johnson, Richard (2000)
I examine the effect of Old-Age Insurance systems on the labour supply of older men. Male retirement ages are crucial to the solvency of OAI systems. Historical data on participation rates and OAI rules in thirteen developed countries show rapid falls in participation among men aged 60-4 after pensions were extended to them. I estimate participation elasticities of -0.06 with respect to replacement rates and 0.19 to the net-of-tax wage. It does not appear that endogenous OAI changes bias the regression coefficients. The growth of OAI explains about 11 percent of the reduction in participation ...
Research Working Paper , Paper RWP 00-09

Conference Paper
The PBGC: a costly lesson in the economics of federal insurance
Utgoff, Kathleen P. (1991)
Proceedings

Newsletter
How FAIR Plans Confronted Redlining in America
Nwokolo, Ramzee (2023-09)
Access to financial services, including insurance, is vital for the growth and development of communities. Without banks issuing residential mortgages and business loans, it is extremely difficult for people to purchase homes and grow their businesses. Without property insurance, banks will be reluctant to provide such loans. Thus, the inability to access property insurance makes communities more vulnerable to cycles of disinvestment and decline. In this Chicago Fed Letter, I examine the Fair Access to Insurance Requirements (FAIR) plans, how they addressed the issues of insurance ...
Chicago Fed Letter , Volume No 484 , Pages 8

Journal Article
Before the next cataclysm
Campbell, John (1997-07)
Regional Review , Issue Sum , Pages 6-11

Journal Article
Estimating the funding gap of the Pension Benefit Guaranty Corporation
Hirtle, Beverly; Estrella, Arturo; Brehm, John A. (1988-10)
Quarterly Review , Volume 13 , Issue Aut , Pages 45-59

Journal Article
Statement to Congress, October 5, 1993 (interstate banking and insurance provisions of S. 543)
LaWare, John P. (1993-12)
Federal Reserve Bulletin , Issue Dec , Pages 1093-1097

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