title: Waiting periods and health-related absenteeism: the need for program integration.
abstract: This article discusses evidence that the reduction of waiting period deductibles in disability insurance plans increases the amount of lost time utilized by insured workers and also increases the cost of sick leave. The authors posit that the evidence supports the need for an integrated disability insurance product, which could be offered at lower costs than the current system that provides fragmented lost time coverage.
authors.forename: H H
authors.initials: HH
authors.lastname: Gardner
authors.forename: N
authors.initials: N
authors.lastname: Kleinman
authors.forename: R J
authors.initials: RJ
authors.lastname: Butler
mesh_terms: D000041:Absenteeism; D003669:Deductibles and Coinsurance; D006264:Health Benefit Plans, Employee / Q000458:organization & administration*; D019458:Insurance Coverage; D018868:Insurance, Disability / Q000458:organization & administration*; D018582:Sick Leave / Q000191:economics; D013997:Time Factors; D014481:United States