id	sid	tid	token	lemma	pos
fsr-3656	1	1	pii	pii	PROPN
fsr-3656	1	2	:	:	PUNCT
fsr-3656	1	3	1057	1057	NUM
fsr-3656	1	4	-	-	SYM
fsr-3656	1	5	0810(91)90008	0810(91)90008	NUM
fsr-3656	1	6	-	-	PUNCT
fsr-3656	1	7	m	m	NOUN
fsr-3656	1	8	financial	financial	PROPN
fsr-3656	1	9	services	service	NOUN
fsr-3656	1	10	review	review	NOUN
fsr-3656	1	11	,	,	PUNCT
fsr-3656	1	12	1(1):61	1(1):61	NUM
fsr-3656	1	13	-	-	SYM
fsr-3656	1	14	78	78	NUM
fsr-3656	1	15	copyright	copyright	NOUN
fsr-3656	1	16	@	@	ADP
fsr-3656	1	17	1991	1991	NUM
fsr-3656	1	18	by	by	ADP
fsr-3656	1	19	jai	jai	PROPN
fsr-3656	1	20	press	press	PROPN
fsr-3656	1	21	inc	inc	PROPN
fsr-3656	1	22	.	.	PROPN
fsr-3656	1	23	issn	issn	PROPN
fsr-3656	1	24	:	:	PUNCT
fsr-3656	1	25	1057	1057	NUM
fsr-3656	1	26	-	-	SYM
fsr-3656	1	27	0810	0810	NUM
fsr-3656	1	28	all	all	DET
fsr-3656	1	29	rights	right	NOUN
fsr-3656	1	30	of	of	ADP
fsr-3656	1	31	reproduction	reproduction	NOUN
fsr-3656	1	32	in	in	ADP
fsr-3656	1	33	any	any	DET
fsr-3656	1	34	form	form	NOUN
fsr-3656	1	35	reserved	reserve	VERB
fsr-3656	1	36	.	.	PUNCT
fsr-3656	2	1	disability	disability	NOUN
fsr-3656	2	2	income	income	NOUN
fsr-3656	2	3	insurance	insurance	NOUN
fsr-3656	2	4	and	and	CCONJ
fsr-3656	2	5	the	the	DET
fsr-3656	2	6	individual	individual	ADJ
fsr-3656	2	7	larry	larry	PROPN
fsr-3656	2	8	a.	a.	PROPN
fsr-3656	2	9	cox	cox	PROPN
fsr-3656	2	10	in	in	ADP
fsr-3656	2	11	this	this	DET
fsr-3656	2	12	article	article	NOUN
fsr-3656	2	13	,	,	PUNCT
fsr-3656	2	14	both	both	CCONJ
fsr-3656	2	15	institutional	institutional	ADJ
fsr-3656	2	16	and	and	CCONJ
fsr-3656	2	17	research	research	NOUN
fsr-3656	2	18	literature	literature	NOUN
fsr-3656	2	19	pertaining	pertain	VERB
fsr-3656	2	20	to	to	ADP
fsr-3656	2	21	disability	disability	NOUN
fsr-3656	2	22	income	income	NOUN
fsr-3656	2	23	insurance	insurance	NOUN
fsr-3656	2	24	issues	issue	NOUN
fsr-3656	2	25	is	be	AUX
fsr-3656	2	26	reviewed	review	VERB
fsr-3656	2	27	from	from	ADP
fsr-3656	2	28	the	the	DET
fsr-3656	2	29	perspective	perspective	NOUN
fsr-3656	2	30	of	of	ADP
fsr-3656	2	31	the	the	DET
fsr-3656	2	32	individual	individual	NOUN
fsr-3656	2	33	.	.	PUNCT
fsr-3656	3	1	primary	primary	ADJ
fsr-3656	3	2	issues	issue	NOUN
fsr-3656	3	3	include	include	VERB
fsr-3656	3	4	the	the	DET
fsr-3656	3	5	nature	nature	NOUN
fsr-3656	3	6	of	of	ADP
fsr-3656	3	7	the	the	DET
fsr-3656	3	8	risk	risk	NOUN
fsr-3656	3	9	,	,	PUNCT
fsr-3656	3	10	the	the	DET
fsr-3656	3	11	quantity	quantity	NOUN
fsr-3656	3	12	of	of	ADP
fsr-3656	3	13	purchase	purchase	NOUN
fsr-3656	3	14	decision	decision	NOUN
fsr-3656	3	15	,	,	PUNCT
fsr-3656	3	16	the	the	DET
fsr-3656	3	17	choice	choice	NOUN
fsr-3656	3	18	of	of	ADP
fsr-3656	3	19	product	product	NOUN
fsr-3656	3	20	,	,	PUNCT
fsr-3656	3	21	and	and	CCONJ
fsr-3656	3	22	the	the	DET
fsr-3656	3	23	selection	selection	NOUN
fsr-3656	3	24	of	of	ADP
fsr-3656	3	25	supplier	supplier	NOUN
fsr-3656	3	26	.	.	PUNCT
fsr-3656	4	1	an	an	DET
fsr-3656	4	2	ultimate	ultimate	ADJ
fsr-3656	4	3	objective	objective	NOUN
fsr-3656	4	4	is	be	AUX
fsr-3656	4	5	to	to	PART
fsr-3656	4	6	provide	provide	VERB
fsr-3656	4	7	the	the	DET
fsr-3656	4	8	reader	reader	NOUN
fsr-3656	4	9	with	with	ADP
fsr-3656	4	10	the	the	DET
fsr-3656	4	11	foundation	foundation	NOUN
fsr-3656	4	12	necessary	necessary	ADJ
fsr-3656	4	13	to	to	PART
fsr-3656	4	14	initiate	initiate	VERB
fsr-3656	4	15	future	future	ADJ
fsr-3656	4	16	research	research	NOUN
fsr-3656	4	17	efforts	effort	NOUN
fsr-3656	4	18	focusing	focus	VERB
fsr-3656	4	19	on	on	ADP
fsr-3656	4	20	disability	disability	NOUN
fsr-3656	4	21	-	-	PUNCT
fsr-3656	4	22	related	relate	VERB
fsr-3656	4	23	loss	loss	NOUN
fsr-3656	4	24	exposures	exposure	NOUN
fsr-3656	4	25	.	.	PUNCT
fsr-3656	5	1	potential	potential	ADJ
fsr-3656	5	2	areas	area	NOUN
fsr-3656	5	3	for	for	ADP
fsr-3656	5	4	future	future	ADJ
fsr-3656	5	5	research	research	NOUN
fsr-3656	5	6	are	be	AUX
fsr-3656	5	7	suggested	suggest	VERB
fsr-3656	5	8	.	.	PUNCT
fsr-3656	6	1	disability	disability	NOUN
fsr-3656	6	2	income	income	NOUN
fsr-3656	6	3	(	(	PUNCT
fsr-3656	6	4	di	di	NOUN
fsr-3656	6	5	)	)	PUNCT
fsr-3656	6	6	insurance	insurance	NOUN
fsr-3656	6	7	may	may	AUX
fsr-3656	6	8	be	be	AUX
fsr-3656	6	9	the	the	DET
fsr-3656	6	10	basic	basic	ADJ
fsr-3656	6	11	risk	risk	NOUN
fsr-3656	6	12	management	management	NOUN
fsr-3656	6	13	tool	tool	NOUN
fsr-3656	6	14	most	most	ADV
fsr-3656	6	15	frequently	frequently	ADV
fsr-3656	6	16	ignored	ignore	VERB
fsr-3656	6	17	by	by	ADP
fsr-3656	6	18	individuals	individual	NOUN
fsr-3656	6	19	.	.	PUNCT
fsr-3656	7	1	despite	despite	SCONJ
fsr-3656	7	2	wide	wide	ADJ
fsr-3656	7	3	acknowledgement	acknowledgement	NOUN
fsr-3656	7	4	of	of	ADP
fsr-3656	7	5	individual	individual	ADJ
fsr-3656	7	6	disability	disability	NOUN
fsr-3656	7	7	needs	need	NOUN
fsr-3656	7	8	by	by	ADP
fsr-3656	7	9	authors	author	NOUN
fsr-3656	7	10	of	of	ADP
fsr-3656	7	11	finance	finance	NOUN
fsr-3656	7	12	,	,	PUNCT
fsr-3656	7	13	insurance	insurance	NOUN
fsr-3656	7	14	,	,	PUNCT
fsr-3656	7	15	and	and	CCONJ
fsr-3656	7	16	employee	employee	NOUN
fsr-3656	7	17	benefits	benefit	NOUN
fsr-3656	7	18	textbooks	textbook	NOUN
fsr-3656	7	19	,	,	PUNCT
fsr-3656	7	20	u.s	u.s	PROPN
fsr-3656	7	21	.	.	PROPN
fsr-3656	7	22	earners	earner	NOUN
fsr-3656	7	23	generally	generally	ADV
fsr-3656	7	24	have	have	AUX
fsr-3656	7	25	not	not	PART
fsr-3656	7	26	purchased	purchase	VERB
fsr-3656	7	27	the	the	DET
fsr-3656	7	28	insurance	insurance	NOUN
fsr-3656	7	29	necessary	necessary	ADJ
fsr-3656	7	30	to	to	PART
fsr-3656	7	31	counter	counter	VERB
fsr-3656	7	32	the	the	DET
fsr-3656	7	33	risk	risk	NOUN
fsr-3656	7	34	exposures	exposure	NOUN
fsr-3656	7	35	implicit	implicit	ADJ
fsr-3656	7	36	with	with	ADP
fsr-3656	7	37	disability	disability	NOUN
fsr-3656	7	38	.	.	PUNCT
fsr-3656	8	1	researchers	researcher	NOUN
fsr-3656	8	2	similarly	similarly	ADV
fsr-3656	8	3	have	have	AUX
fsr-3656	8	4	tended	tend	VERB
fsr-3656	8	5	to	to	PART
fsr-3656	8	6	ignore	ignore	VERB
fsr-3656	8	7	di	di	NOUN
fsr-3656	8	8	insurance	insurance	NOUN
fsr-3656	8	9	issues	issue	NOUN
fsr-3656	8	10	,	,	PUNCT
fsr-3656	8	11	with	with	ADP
fsr-3656	8	12	the	the	DET
fsr-3656	8	13	exception	exception	NOUN
fsr-3656	8	14	of	of	ADP
fsr-3656	8	15	studies	study	NOUN
fsr-3656	8	16	limited	limit	VERB
fsr-3656	8	17	to	to	ADP
fsr-3656	8	18	specific	specific	ADJ
fsr-3656	8	19	public	public	ADJ
fsr-3656	8	20	programs	program	NOUN
fsr-3656	8	21	.	.	PUNCT
fsr-3656	9	1	in	in	ADP
fsr-3656	9	2	this	this	DET
fsr-3656	9	3	study	study	NOUN
fsr-3656	9	4	,	,	PUNCT
fsr-3656	9	5	both	both	CCONJ
fsr-3656	9	6	institutional	institutional	ADJ
fsr-3656	9	7	and	and	CCONJ
fsr-3656	9	8	research	research	NOUN
fsr-3656	9	9	literature	literature	NOUN
fsr-3656	9	10	on	on	ADP
fsr-3656	9	11	di	di	NOUN
fsr-3656	9	12	insurance	insurance	NOUN
fsr-3656	9	13	issues	issue	NOUN
fsr-3656	9	14	is	be	AUX
fsr-3656	9	15	reviewed	review	VERB
fsr-3656	9	16	from	from	ADP
fsr-3656	9	17	the	the	DET
fsr-3656	9	18	perspective	perspective	NOUN
fsr-3656	9	19	of	of	ADP
fsr-3656	9	20	managing	manage	VERB
fsr-3656	9	21	risk	risk	NOUN
fsr-3656	9	22	to	to	ADP
fsr-3656	9	23	the	the	DET
fsr-3656	9	24	individual	individual	NOUN
fsr-3656	9	25	.	.	PUNCT
fsr-3656	10	1	the	the	DET
fsr-3656	10	2	primary	primary	ADJ
fsr-3656	10	3	objective	objective	NOUN
fsr-3656	10	4	is	be	AUX
fsr-3656	10	5	to	to	PART
fsr-3656	10	6	provide	provide	VERB
fsr-3656	10	7	the	the	DET
fsr-3656	10	8	reader	reader	NOUN
fsr-3656	10	9	with	with	ADP
fsr-3656	10	10	the	the	DET
fsr-3656	10	11	foundation	foundation	NOUN
fsr-3656	10	12	necessary	necessary	ADJ
fsr-3656	10	13	to	to	PART
fsr-3656	10	14	initiate	initiate	VERB
fsr-3656	10	15	future	future	ADJ
fsr-3656	10	16	research	research	NOUN
fsr-3656	10	17	efforts	effort	NOUN
fsr-3656	10	18	focusing	focus	VERB
fsr-3656	10	19	on	on	ADP
fsr-3656	10	20	the	the	DET
fsr-3656	10	21	many	many	ADJ
fsr-3656	10	22	and	and	CCONJ
fsr-3656	10	23	varied	varied	ADJ
fsr-3656	10	24	di	di	NOUN
fsr-3656	10	25	issues	issue	NOUN
fsr-3656	10	26	not	not	PART
fsr-3656	10	27	adequately	adequately	ADV
fsr-3656	10	28	addressed	address	VERB
fsr-3656	10	29	to	to	ADP
fsr-3656	10	30	date	date	NOUN
fsr-3656	10	31	.	.	PUNCT
fsr-3656	11	1	in	in	ADP
fsr-3656	11	2	the	the	DET
fsr-3656	11	3	next	next	ADJ
fsr-3656	11	4	section	section	NOUN
fsr-3656	11	5	,	,	PUNCT
fsr-3656	11	6	the	the	DET
fsr-3656	11	7	loss	loss	NOUN
fsr-3656	11	8	exposure	exposure	NOUN
fsr-3656	11	9	facing	face	VERB
fsr-3656	11	10	the	the	DET
fsr-3656	11	11	individual	individual	NOUN
fsr-3656	11	12	is	be	AUX
fsr-3656	11	13	discussed	discuss	VERB
fsr-3656	11	14	.	.	PUNCT
fsr-3656	12	1	subsequent	subsequent	ADJ
fsr-3656	12	2	sections	section	NOUN
fsr-3656	12	3	examine	examine	VERB
fsr-3656	12	4	the	the	DET
fsr-3656	12	5	determination	determination	NOUN
fsr-3656	12	6	of	of	ADP
fsr-3656	12	7	insurance	insurance	NOUN
fsr-3656	12	8	needs	need	NOUN
fsr-3656	12	9	,	,	PUNCT
fsr-3656	12	10	sources	source	NOUN
fsr-3656	12	11	of	of	ADP
fsr-3656	12	12	protection	protection	NOUN
fsr-3656	12	13	,	,	PUNCT
fsr-3656	12	14	and	and	CCONJ
fsr-3656	12	15	the	the	DET
fsr-3656	12	16	selection	selection	NOUN
fsr-3656	12	17	of	of	ADP
fsr-3656	12	18	product	product	NOUN
fsr-3656	12	19	and	and	CCONJ
fsr-3656	12	20	supplier	supplier	NOUN
fsr-3656	12	21	.	.	PUNCT
fsr-3656	13	1	conclusions	conclusion	NOUN
fsr-3656	13	2	and	and	CCONJ
fsr-3656	13	3	potential	potential	ADJ
fsr-3656	13	4	research	research	NOUN
fsr-3656	13	5	issues	issue	NOUN
fsr-3656	13	6	are	be	AUX
fsr-3656	13	7	summarized	summarize	VERB
fsr-3656	13	8	in	in	ADP
fsr-3656	13	9	the	the	DET
fsr-3656	13	10	final	final	ADJ
fsr-3656	13	11	section	section	NOUN
fsr-3656	13	12	.	.	PUNCT
fsr-3656	14	1	thedisability	thedisability	NOUN
fsr-3656	14	2	loss	loss	NOUN
fsr-3656	14	3	exposure	exposure	NOUN
fsr-3656	14	4	the	the	DET
fsr-3656	14	5	event	event	NOUN
fsr-3656	14	6	of	of	ADP
fsr-3656	14	7	disability	disability	NOUN
fsr-3656	14	8	can	can	AUX
fsr-3656	14	9	cause	cause	VERB
fsr-3656	14	10	several	several	ADJ
fsr-3656	14	11	types	type	NOUN
fsr-3656	14	12	of	of	ADP
fsr-3656	14	13	economic	economic	ADJ
fsr-3656	14	14	loss	loss	NOUN
fsr-3656	14	15	for	for	ADP
fsr-3656	14	16	the	the	DET
fsr-3656	14	17	individual	individual	NOUN
fsr-3656	14	18	.	.	PUNCT
fsr-3656	15	1	rejda	rejda	NOUN
fsr-3656	15	2	(	(	PUNCT
fsr-3656	15	3	1984	1984	NUM
fsr-3656	15	4	,	,	PUNCT
fsr-3656	15	5	pp	pp	ADJ
fsr-3656	15	6	.	.	PUNCT
fsr-3656	16	1	199	199	NUM
fsr-3656	16	2	-	-	SYM
fsr-3656	16	3	202	202	NUM
fsr-3656	16	4	)	)	PUNCT
fsr-3656	16	5	suggests	suggest	VERB
fsr-3656	16	6	that	that	SCONJ
fsr-3656	16	7	loss	loss	NOUN
fsr-3656	16	8	categories	category	NOUN
fsr-3656	16	9	include	include	VERB
fsr-3656	16	10	earned	earn	VERB
fsr-3656	16	11	income	income	NOUN
fsr-3656	16	12	losses	loss	NOUN
fsr-3656	16	13	,	,	PUNCT
fsr-3656	16	14	abnormally	abnormally	ADV
fsr-3656	16	15	large	large	ADJ
fsr-3656	16	16	medical	medical	ADJ
fsr-3656	16	17	expenses	expense	NOUN
fsr-3656	16	18	,	,	PUNCT
fsr-3656	16	19	loss	loss	NOUN
fsr-3656	16	20	of	of	ADP
fsr-3656	16	21	employee	employee	NOUN
fsr-3656	16	22	benefits	benefit	NOUN
fsr-3656	16	23	,	,	PUNCT
fsr-3656	16	24	larry	larry	PROPN
fsr-3656	16	25	a.	a.	PROPN
fsr-3656	16	26	cox	cox	PROPN
fsr-3656	16	27	l	l	PROPN
fsr-3656	16	28	department	department	PROPN
fsr-3656	16	29	of	of	ADP
fsr-3656	16	30	insurance	insurance	NOUN
fsr-3656	16	31	,	,	PUNCT
fsr-3656	16	32	legal	legal	ADJ
fsr-3656	16	33	studies	study	NOUN
fsr-3656	16	34	,	,	PUNCT
fsr-3656	16	35	and	and	CCONJ
fsr-3656	16	36	real	real	ADJ
fsr-3656	16	37	estate	estate	NOUN
fsr-3656	16	38	,	,	PUNCT
fsr-3656	16	39	college	college	NOUN
fsr-3656	16	40	of	of	ADP
fsr-3656	16	41	business	business	PROPN
fsr-3656	16	42	administration	administration	PROPN
fsr-3656	16	43	,	,	PUNCT
fsr-3656	16	44	the	the	DET
fsr-3656	16	45	university	university	PROPN
fsr-3656	16	46	of	of	ADP
fsr-3656	16	47	georgia	georgia	PROPN
fsr-3656	16	48	,	,	PUNCT
fsr-3656	16	49	athens	athens	PROPN
fsr-3656	16	50	,	,	PUNCT
fsr-3656	16	51	ga	ga	PROPN
fsr-3656	16	52	30602	30602	NUM
fsr-3656	16	53	.	.	PUNCT
fsr-3656	17	1	62	62	NUM
fsr-3656	17	2	financial	financial	ADJ
fsr-3656	17	3	services	service	NOUN
fsr-3656	17	4	review	review	NOUN
fsr-3656	17	5	,	,	PUNCT
fsr-3656	17	6	l(1	l(1	PROPN
fsr-3656	17	7	)	)	PUNCT
fsr-3656	17	8	1991	1991	NUM
fsr-3656	17	9	and	and	CCONJ
fsr-3656	17	10	other	other	ADJ
fsr-3656	17	11	expenses	expense	NOUN
fsr-3656	17	12	triggered	trigger	VERB
fsr-3656	17	13	by	by	ADP
fsr-3656	17	14	the	the	DET
fsr-3656	17	15	disability	disability	NOUN
fsr-3656	17	16	of	of	ADP
fsr-3656	17	17	the	the	DET
fsr-3656	17	18	earner	earner	NOUN
fsr-3656	17	19	,	,	PUNCT
fsr-3656	17	20	such	such	ADJ
fsr-3656	17	21	as	as	ADP
fsr-3656	17	22	home	home	NOUN
fsr-3656	17	23	nursing	nursing	NOUN
fsr-3656	17	24	care	care	NOUN
fsr-3656	17	25	or	or	CCONJ
fsr-3656	17	26	additional	additional	ADJ
fsr-3656	17	27	child	child	NOUN
fsr-3656	17	28	care	care	NOUN
fsr-3656	17	29	expenses	expense	NOUN
fsr-3656	17	30	.	.	PUNCT
fsr-3656	18	1	implicit	implicit	ADJ
fsr-3656	18	2	in	in	ADP
fsr-3656	18	3	rejda	rejda	NOUN
fsr-3656	18	4	’s	’s	PART
fsr-3656	18	5	discussion	discussion	NOUN
fsr-3656	18	6	are	be	AUX
fsr-3656	18	7	the	the	DET
fsr-3656	18	8	differences	difference	NOUN
fsr-3656	18	9	between	between	ADP
fsr-3656	18	10	the	the	DET
fsr-3656	18	11	loss	loss	NOUN
fsr-3656	18	12	exposure	exposure	NOUN
fsr-3656	18	13	caused	cause	VERB
fsr-3656	18	14	by	by	ADP
fsr-3656	18	15	disablement	disablement	NOUN
fsr-3656	18	16	versus	versus	ADP
fsr-3656	18	17	that	that	PRON
fsr-3656	18	18	caused	cause	VERB
fsr-3656	18	19	by	by	ADP
fsr-3656	18	20	death	death	NOUN
fsr-3656	18	21	.	.	PUNCT
fsr-3656	19	1	with	with	ADP
fsr-3656	19	2	the	the	DET
fsr-3656	19	3	event	event	NOUN
fsr-3656	19	4	of	of	ADP
fsr-3656	19	5	death	death	NOUN
fsr-3656	19	6	,	,	PUNCT
fsr-3656	19	7	the	the	DET
fsr-3656	19	8	loss	loss	NOUN
fsr-3656	19	9	of	of	ADP
fsr-3656	19	10	the	the	DET
fsr-3656	19	11	earner	earner	NOUN
fsr-3656	19	12	’s	’s	PART
fsr-3656	19	13	income	income	NOUN
fsr-3656	19	14	is	be	AUX
fsr-3656	19	15	certain	certain	ADJ
fsr-3656	19	16	and	and	CCONJ
fsr-3656	19	17	survivors	survivor	NOUN
fsr-3656	19	18	’	'	PUNCT
fsr-3656	19	19	needs	need	VERB
fsr-3656	19	20	easily	easily	ADV
fsr-3656	19	21	can	can	AUX
fsr-3656	19	22	be	be	AUX
fsr-3656	19	23	capitalized	capitalize	VERB
fsr-3656	19	24	,	,	PUNCT
fsr-3656	19	25	given	give	VERB
fsr-3656	19	26	reasonable	reasonable	ADJ
fsr-3656	19	27	assumptions	assumption	NOUN
fsr-3656	19	28	about	about	ADP
fsr-3656	19	29	the	the	DET
fsr-3656	19	30	growth	growth	NOUN
fsr-3656	19	31	of	of	ADP
fsr-3656	19	32	the	the	DET
fsr-3656	19	33	family	family	NOUN
fsr-3656	19	34	’s	’s	PART
fsr-3656	19	35	needs	need	NOUN
fsr-3656	19	36	,	,	PUNCT
fsr-3656	19	37	inflation	inflation	NOUN
fsr-3656	19	38	,	,	PUNCT
fsr-3656	19	39	and	and	CCONJ
fsr-3656	19	40	investment	investment	NOUN
fsr-3656	19	41	rates	rate	NOUN
fsr-3656	19	42	.	.	PUNCT
fsr-3656	19	43	’	'	PUNCT
fsr-3656	20	1	in	in	ADP
fsr-3656	20	2	the	the	DET
fsr-3656	20	3	event	event	NOUN
fsr-3656	20	4	of	of	ADP
fsr-3656	20	5	disability	disability	NOUN
fsr-3656	20	6	,	,	PUNCT
fsr-3656	20	7	however	however	ADV
fsr-3656	20	8	,	,	PUNCT
fsr-3656	20	9	the	the	DET
fsr-3656	20	10	amount	amount	NOUN
fsr-3656	20	11	of	of	ADP
fsr-3656	20	12	loss	loss	NOUN
fsr-3656	20	13	is	be	AUX
fsr-3656	20	14	much	much	ADV
fsr-3656	20	15	less	less	ADV
fsr-3656	20	16	certain	certain	ADJ
fsr-3656	20	17	.	.	PUNCT
fsr-3656	21	1	the	the	DET
fsr-3656	21	2	need	need	NOUN
fsr-3656	21	3	for	for	ADP
fsr-3656	21	4	income	income	NOUN
fsr-3656	21	5	replacement	replacement	NOUN
fsr-3656	21	6	will	will	AUX
fsr-3656	21	7	depend	depend	VERB
fsr-3656	21	8	upon	upon	SCONJ
fsr-3656	21	9	the	the	DET
fsr-3656	21	10	continuation	continuation	NOUN
fsr-3656	21	11	of	of	ADP
fsr-3656	21	12	the	the	DET
fsr-3656	21	13	individual	individual	NOUN
fsr-3656	21	14	’s	’s	PART
fsr-3656	21	15	disability	disability	NOUN
fsr-3656	21	16	(	(	PUNCT
fsr-3656	21	17	quantified	quantify	VERB
fsr-3656	21	18	by	by	ADP
fsr-3656	21	19	actuaries	actuary	NOUN
fsr-3656	21	20	for	for	ADP
fsr-3656	21	21	large	large	ADJ
fsr-3656	21	22	cohorts	cohort	NOUN
fsr-3656	21	23	of	of	ADP
fsr-3656	21	24	individuals	individual	NOUN
fsr-3656	21	25	as	as	ADP
fsr-3656	21	26	“	"	PUNCT
fsr-3656	21	27	continuance	continuance	NOUN
fsr-3656	21	28	factors	factor	NOUN
fsr-3656	21	29	”	"	PUNCT
fsr-3656	21	30	)	)	PUNCT
fsr-3656	21	31	.	.	PUNCT
fsr-3656	22	1	thus	thus	ADV
fsr-3656	22	2	,	,	PUNCT
fsr-3656	22	3	the	the	DET
fsr-3656	22	4	disability	disability	NOUN
fsr-3656	22	5	loss	loss	NOUN
fsr-3656	22	6	exposure	exposure	NOUN
fsr-3656	22	7	is	be	AUX
fsr-3656	22	8	more	more	ADV
fsr-3656	22	9	a	a	DET
fsr-3656	22	10	bayesian	bayesian	NOUN
fsr-3656	22	11	problem	problem	NOUN
fsr-3656	22	12	.	.	PUNCT
fsr-3656	23	1	given	give	VERB
fsr-3656	23	2	that	that	SCONJ
fsr-3656	23	3	the	the	DET
fsr-3656	23	4	loss	loss	NOUN
fsr-3656	23	5	occurs	occur	VERB
fsr-3656	23	6	,	,	PUNCT
fsr-3656	23	7	the	the	DET
fsr-3656	23	8	severity	severity	NOUN
fsr-3656	23	9	of	of	ADP
fsr-3656	23	10	the	the	DET
fsr-3656	23	11	loss	loss	NOUN
fsr-3656	23	12	is	be	AUX
fsr-3656	23	13	contingent	contingent	ADJ
fsr-3656	23	14	upon	upon	SCONJ
fsr-3656	23	15	both	both	DET
fsr-3656	23	16	(	(	PUNCT
fsr-3656	23	17	i	i	NOUN
fsr-3656	23	18	)	)	PUNCT
fsr-3656	23	19	the	the	DET
fsr-3656	23	20	individual	individual	NOUN
fsr-3656	23	21	’s	’s	PART
fsr-3656	23	22	ability	ability	NOUN
fsr-3656	23	23	to	to	PART
fsr-3656	23	24	recover	recover	VERB
fsr-3656	23	25	or	or	CCONJ
fsr-3656	23	26	be	be	AUX
fsr-3656	23	27	rehabilitated	rehabilitate	VERB
fsr-3656	23	28	and	and	CCONJ
fsr-3656	23	29	(	(	PUNCT
fsr-3656	23	30	2	2	X
fsr-3656	23	31	)	)	PUNCT
fsr-3656	23	32	whether	whether	SCONJ
fsr-3656	23	33	such	such	ADJ
fsr-3656	23	34	recovery	recovery	NOUN
fsr-3656	23	35	or	or	CCONJ
fsr-3656	23	36	rehabilitation	rehabilitation	NOUN
fsr-3656	23	37	is	be	AUX
fsr-3656	23	38	complete	complete	ADJ
fsr-3656	23	39	or	or	CCONJ
fsr-3656	23	40	partial	partial	ADJ
fsr-3656	23	41	.	.	PUNCT
fsr-3656	24	1	potential	potential	ADJ
fsr-3656	24	2	“	"	PUNCT
fsr-3656	24	3	additional	additional	ADJ
fsr-3656	24	4	”	"	PUNCT
fsr-3656	24	5	losses	loss	NOUN
fsr-3656	24	6	,	,	PUNCT
fsr-3656	24	7	such	such	ADJ
fsr-3656	24	8	as	as	ADP
fsr-3656	24	9	rehabilitation	rehabilitation	NOUN
fsr-3656	24	10	,	,	PUNCT
fsr-3656	24	11	physical	physical	ADJ
fsr-3656	24	12	therapy	therapy	NOUN
fsr-3656	24	13	,	,	PUNCT
fsr-3656	24	14	nursing	nursing	NOUN
fsr-3656	24	15	,	,	PUNCT
fsr-3656	24	16	or	or	CCONJ
fsr-3656	24	17	child	child	NOUN
fsr-3656	24	18	care	care	NOUN
fsr-3656	24	19	expenses	expense	NOUN
fsr-3656	24	20	,	,	PUNCT
fsr-3656	24	21	pose	pose	VERB
fsr-3656	24	22	a	a	DET
fsr-3656	24	23	difficult	difficult	ADJ
fsr-3656	24	24	planning	planning	NOUN
fsr-3656	24	25	issue	issue	NOUN
fsr-3656	24	26	generally	generally	ADV
fsr-3656	24	27	not	not	PART
fsr-3656	24	28	addressed	address	VERB
fsr-3656	24	29	by	by	ADP
fsr-3656	24	30	insurers	insurer	NOUN
fsr-3656	24	31	.	.	PUNCT
fsr-3656	25	1	insurance	insurance	NOUN
fsr-3656	25	2	to	to	PART
fsr-3656	25	3	indemnify	indemnify	VERB
fsr-3656	25	4	the	the	DET
fsr-3656	25	5	individual	individual	NOUN
fsr-3656	25	6	for	for	ADP
fsr-3656	25	7	such	such	ADJ
fsr-3656	25	8	losses	loss	NOUN
fsr-3656	25	9	,	,	PUNCT
fsr-3656	25	10	which	which	PRON
fsr-3656	25	11	often	often	ADV
fsr-3656	25	12	are	be	AUX
fsr-3656	25	13	excluded	exclude	VERB
fsr-3656	25	14	from	from	ADP
fsr-3656	25	15	medical	medical	ADJ
fsr-3656	25	16	expense	expense	NOUN
fsr-3656	25	17	insurance	insurance	NOUN
fsr-3656	25	18	plans	plan	NOUN
fsr-3656	25	19	,	,	PUNCT
fsr-3656	25	20	generally	generally	ADV
fsr-3656	25	21	is	be	AUX
fsr-3656	25	22	not	not	PART
fsr-3656	25	23	part	part	NOUN
fsr-3656	25	24	of	of	ADP
fsr-3656	25	25	the	the	DET
fsr-3656	25	26	package	package	NOUN
fsr-3656	25	27	of	of	ADP
fsr-3656	25	28	options	option	NOUN
fsr-3656	25	29	offered	offer	VERB
fsr-3656	25	30	by	by	ADP
fsr-3656	25	31	public	public	ADJ
fsr-3656	25	32	agencies	agency	NOUN
fsr-3656	25	33	or	or	CCONJ
fsr-3656	25	34	private	private	ADJ
fsr-3656	25	35	insurers	insurer	NOUN
fsr-3656	25	36	.	.	PUNCT
fsr-3656	26	1	rather	rather	ADV
fsr-3656	26	2	,	,	PUNCT
fsr-3656	26	3	di	di	PROPN
fsr-3656	26	4	insurance	insurance	NOUN
fsr-3656	26	5	benefits	benefit	NOUN
fsr-3656	26	6	simply	simply	ADV
fsr-3656	26	7	are	be	AUX
fsr-3656	26	8	tied	tie	VERB
fsr-3656	26	9	to	to	ADP
fsr-3656	26	10	the	the	DET
fsr-3656	26	11	individual	individual	NOUN
fsr-3656	26	12	’s	’s	PART
fsr-3656	26	13	income	income	NOUN
fsr-3656	26	14	,	,	PUNCT
fsr-3656	26	15	either	either	CCONJ
fsr-3656	26	16	contractually	contractually	ADV
fsr-3656	26	17	or	or	CCONJ
fsr-3656	26	18	,	,	PUNCT
fsr-3656	26	19	implicitly	implicitly	ADV
fsr-3656	26	20	,	,	PUNCT
fsr-3656	26	21	via	via	ADP
fsr-3656	26	22	the	the	DET
fsr-3656	26	23	maximum	maximum	ADJ
fsr-3656	26	24	monthly	monthly	ADJ
fsr-3656	26	25	benefit	benefit	NOUN
fsr-3656	26	26	allowed	allow	VERB
fsr-3656	26	27	by	by	ADP
fsr-3656	26	28	the	the	DET
fsr-3656	26	29	insurer	insurer	NOUN
fsr-3656	26	30	’s	’s	PART
fsr-3656	26	31	underwriters	underwriter	NOUN
fsr-3656	26	32	.	.	PUNCT
fsr-3656	27	1	research	research	NOUN
fsr-3656	27	2	literature	literature	NOUN
fsr-3656	27	3	on	on	ADP
fsr-3656	27	4	the	the	DET
fsr-3656	27	5	loss	loss	NOUN
fsr-3656	27	6	exposures	exposure	NOUN
fsr-3656	27	7	posed	pose	VERB
fsr-3656	27	8	by	by	ADP
fsr-3656	27	9	the	the	DET
fsr-3656	27	10	additional	additional	ADJ
fsr-3656	27	11	expenses	expense	NOUN
fsr-3656	27	12	caused	cause	VERB
fsr-3656	27	13	by	by	ADP
fsr-3656	27	14	disability	disability	NOUN
fsr-3656	27	15	is	be	AUX
fsr-3656	27	16	virtually	virtually	ADV
fsr-3656	27	17	non	non	ADJ
fsr-3656	27	18	-	-	ADJ
fsr-3656	27	19	existent	existent	ADJ
fsr-3656	27	20	and	and	CCONJ
fsr-3656	27	21	represents	represent	VERB
fsr-3656	27	22	an	an	DET
fsr-3656	27	23	opportunity	opportunity	NOUN
fsr-3656	27	24	for	for	ADP
fsr-3656	27	25	interested	interested	ADJ
fsr-3656	27	26	researchers	researcher	NOUN
fsr-3656	27	27	.	.	PUNCT
fsr-3656	28	1	because	because	SCONJ
fsr-3656	28	2	existing	exist	VERB
fsr-3656	28	3	di	di	NOUN
fsr-3656	28	4	insurance	insurance	NOUN
fsr-3656	28	5	contracts	contract	NOUN
fsr-3656	28	6	primarily	primarily	ADV
fsr-3656	28	7	address	address	VERB
fsr-3656	28	8	the	the	DET
fsr-3656	28	9	problem	problem	NOUN
fsr-3656	28	10	of	of	ADP
fsr-3656	28	11	earned	earn	VERB
fsr-3656	28	12	income	income	NOUN
fsr-3656	28	13	replacement	replacement	NOUN
fsr-3656	28	14	,	,	PUNCT
fsr-3656	28	15	most	most	ADJ
fsr-3656	28	16	research	research	NOUN
fsr-3656	28	17	focuses	focus	VERB
fsr-3656	28	18	upon	upon	SCONJ
fsr-3656	28	19	the	the	DET
fsr-3656	28	20	income	income	NOUN
fsr-3656	28	21	replacement	replacement	NOUN
fsr-3656	28	22	problem	problem	NOUN
fsr-3656	28	23	,	,	PUNCT
fsr-3656	28	24	as	as	SCONJ
fsr-3656	28	25	does	do	VERB
fsr-3656	28	26	this	this	DET
fsr-3656	28	27	review	review	NOUN
fsr-3656	28	28	.	.	PUNCT
fsr-3656	29	1	in	in	ADP
fsr-3656	29	2	the	the	DET
fsr-3656	29	3	next	next	ADJ
fsr-3656	29	4	section	section	NOUN
fsr-3656	29	5	,	,	PUNCT
fsr-3656	29	6	the	the	DET
fsr-3656	29	7	quantification	quantification	NOUN
fsr-3656	29	8	of	of	ADP
fsr-3656	29	9	individual	individual	ADJ
fsr-3656	29	10	needs	need	NOUN
fsr-3656	29	11	for	for	ADP
fsr-3656	29	12	di	di	NOUN
fsr-3656	29	13	insurance	insurance	NOUN
fsr-3656	29	14	and	and	CCONJ
fsr-3656	29	15	sources	source	NOUN
fsr-3656	29	16	of	of	ADP
fsr-3656	29	17	supply	supply	NOUN
fsr-3656	29	18	are	be	AUX
fsr-3656	29	19	discussed	discuss	VERB
fsr-3656	29	20	.	.	PUNCT
fsr-3656	30	1	the	the	DET
fsr-3656	30	2	quantity	quantity	NOUN
fsr-3656	30	3	decision	decision	NOUN
fsr-3656	30	4	alternative	alternative	ADJ
fsr-3656	30	5	risk	risk	NOUN
fsr-3656	30	6	management	management	NOUN
fsr-3656	30	7	techniques	technique	NOUN
fsr-3656	30	8	before	before	SCONJ
fsr-3656	30	9	a	a	DET
fsr-3656	30	10	purchase	purchase	NOUN
fsr-3656	30	11	of	of	ADP
fsr-3656	30	12	any	any	DET
fsr-3656	30	13	di	di	NOUN
fsr-3656	30	14	insurance	insurance	NOUN
fsr-3656	30	15	is	be	AUX
fsr-3656	30	16	considered	consider	VERB
fsr-3656	30	17	,	,	PUNCT
fsr-3656	30	18	the	the	DET
fsr-3656	30	19	individual	individual	NOUN
fsr-3656	30	20	must	must	AUX
fsr-3656	30	21	determine	determine	VERB
fsr-3656	30	22	the	the	DET
fsr-3656	30	23	extent	extent	NOUN
fsr-3656	30	24	to	to	PART
fsr-3656	30	25	which	which	PRON
fsr-3656	30	26	disability	disability	NOUN
fsr-3656	30	27	loss	loss	NOUN
fsr-3656	30	28	exposures	exposure	NOUN
fsr-3656	30	29	can	can	AUX
fsr-3656	30	30	be	be	AUX
fsr-3656	30	31	managed	manage	VERB
fsr-3656	30	32	by	by	ADP
fsr-3656	30	33	implementing	implement	VERB
fsr-3656	30	34	the	the	DET
fsr-3656	30	35	other	other	ADJ
fsr-3656	30	36	basic	basic	ADJ
fsr-3656	30	37	risk	risk	NOUN
fsr-3656	30	38	management	management	NOUN
fsr-3656	30	39	techniques	technique	NOUN
fsr-3656	30	40	of	of	ADP
fsr-3656	30	41	(	(	PUNCT
fsr-3656	30	42	1	1	NUM
fsr-3656	30	43	)	)	PUNCT
fsr-3656	30	44	avoidance	avoidance	NOUN
fsr-3656	30	45	,	,	PUNCT
fsr-3656	30	46	(	(	PUNCT
fsr-3656	30	47	2	2	NUM
fsr-3656	30	48	)	)	PUNCT
fsr-3656	30	49	retention	retention	NOUN
fsr-3656	30	50	,	,	PUNCT
fsr-3656	30	51	(	(	PUNCT
fsr-3656	30	52	3	3	X
fsr-3656	30	53	)	)	PUNCT
fsr-3656	30	54	loss	loss	NOUN
fsr-3656	30	55	prevention	prevention	NOUN
fsr-3656	30	56	,	,	PUNCT
fsr-3656	30	57	(	(	PUNCT
fsr-3656	30	58	4	4	X
fsr-3656	30	59	)	)	PUNCT
fsr-3656	30	60	loss	loss	NOUN
fsr-3656	30	61	control	control	NOUN
fsr-3656	30	62	,	,	PUNCT
fsr-3656	30	63	and	and	CCONJ
fsr-3656	30	64	(	(	PUNCT
fsr-3656	30	65	5	5	X
fsr-3656	30	66	)	)	PUNCT
fsr-3656	30	67	combination	combination	NOUN
fsr-3656	30	68	.	.	PUNCT
fsr-3656	31	1	using	use	VERB
fsr-3656	31	2	the	the	DET
fsr-3656	31	3	first	first	ADJ
fsr-3656	31	4	technique	technique	NOUN
fsr-3656	31	5	,	,	PUNCT
fsr-3656	31	6	the	the	DET
fsr-3656	31	7	individual	individual	NOUN
fsr-3656	31	8	can	can	AUX
fsr-3656	31	9	avoid	avoid	VERB
fsr-3656	31	10	many	many	ADJ
fsr-3656	31	11	hazards	hazard	NOUN
fsr-3656	31	12	,	,	PUNCT
fsr-3656	31	13	such	such	ADJ
fsr-3656	31	14	as	as	ADP
fsr-3656	31	15	risky	risky	ADJ
fsr-3656	31	16	hobbies	hobby	NOUN
fsr-3656	31	17	or	or	CCONJ
fsr-3656	31	18	occupations	occupation	NOUN
fsr-3656	31	19	,	,	PUNCT
fsr-3656	31	20	thereby	thereby	ADV
fsr-3656	31	21	reducing	reduce	VERB
fsr-3656	31	22	his	his	PRON
fsr-3656	31	23	or	or	CCONJ
fsr-3656	31	24	her	her	PRON
fsr-3656	31	25	disability	disability	NOUN
fsr-3656	31	26	loss	loss	NOUN
fsr-3656	31	27	exposure	exposure	NOUN
fsr-3656	31	28	.	.	PUNCT
fsr-3656	32	1	numerous	numerous	ADJ
fsr-3656	32	2	potential	potential	ADJ
fsr-3656	32	3	perils	peril	NOUN
fsr-3656	32	4	can	can	AUX
fsr-3656	32	5	not	not	PART
fsr-3656	32	6	reasonably	reasonably	ADV
fsr-3656	32	7	be	be	AUX
fsr-3656	32	8	avoided	avoid	VERB
fsr-3656	32	9	,	,	PUNCT
fsr-3656	32	10	however	however	ADV
fsr-3656	32	11	.	.	PUNCT
fsr-3656	33	1	an	an	DET
fsr-3656	33	2	extreme	extreme	ADJ
fsr-3656	33	3	implementation	implementation	NOUN
fsr-3656	33	4	of	of	ADP
fsr-3656	33	5	the	the	DET
fsr-3656	33	6	second	second	ADJ
fsr-3656	33	7	method	method	NOUN
fsr-3656	33	8	,	,	PUNCT
fsr-3656	33	9	retention	retention	NOUN
fsr-3656	33	10	of	of	ADP
fsr-3656	33	11	the	the	DET
fsr-3656	33	12	entire	entire	ADJ
fsr-3656	33	13	risk	risk	NOUN
fsr-3656	33	14	,	,	PUNCT
fsr-3656	33	15	is	be	AUX
fsr-3656	33	16	not	not	PART
fsr-3656	33	17	affordable	affordable	ADJ
fsr-3656	33	18	to	to	ADP
fsr-3656	33	19	all	all	PRON
fsr-3656	33	20	but	but	SCONJ
fsr-3656	33	21	the	the	DET
fsr-3656	33	22	very	very	ADV
fsr-3656	33	23	wealthy	wealthy	ADJ
fsr-3656	33	24	because	because	SCONJ
fsr-3656	33	25	of	of	ADP
fsr-3656	33	26	the	the	DET
fsr-3656	33	27	possibility	possibility	NOUN
fsr-3656	33	28	of	of	ADP
fsr-3656	33	29	permanent	permanent	ADJ
fsr-3656	33	30	dkability	dkability	NOUN
fsr-3656	33	31	income	income	NOUN
fsr-3656	33	32	insurance	insurance	NOUN
fsr-3656	33	33	and	and	CCONJ
fsr-3656	33	34	the	the	DET
fsr-3656	33	35	individual	individual	ADJ
fsr-3656	33	36	63	63	NUM
fsr-3656	33	37	disability	disability	NOUN
fsr-3656	33	38	.	.	PUNCT
fsr-3656	34	1	partial	partial	ADJ
fsr-3656	34	2	retention	retention	NOUN
fsr-3656	34	3	,	,	PUNCT
fsr-3656	34	4	via	via	ADP
fsr-3656	34	5	a	a	DET
fsr-3656	34	6	deductible	deductible	NOUN
fsr-3656	34	7	included	include	VERB
fsr-3656	34	8	in	in	ADP
fsr-3656	34	9	a	a	DET
fsr-3656	34	10	di	di	NOUN
fsr-3656	34	11	insurance	insurance	NOUN
fsr-3656	34	12	policy	policy	NOUN
fsr-3656	34	13	,	,	PUNCT
fsr-3656	34	14	is	be	AUX
fsr-3656	34	15	possible	possible	ADJ
fsr-3656	34	16	,	,	PUNCT
fsr-3656	34	17	however	however	ADV
fsr-3656	34	18	.	.	PUNCT
fsr-3656	35	1	for	for	ADP
fsr-3656	35	2	di	di	NOUN
fsr-3656	35	3	insurance	insurance	NOUN
fsr-3656	35	4	,	,	PUNCT
fsr-3656	35	5	the	the	DET
fsr-3656	35	6	deductible	deductible	NOUN
fsr-3656	35	7	is	be	AUX
fsr-3656	35	8	manifested	manifest	VERB
fsr-3656	35	9	in	in	ADP
fsr-3656	35	10	the	the	DET
fsr-3656	35	11	elimination	elimination	NOUN
fsr-3656	35	12	,	,	PUNCT
fsr-3656	35	13	or	or	CCONJ
fsr-3656	35	14	waiting	wait	VERB
fsr-3656	35	15	,	,	PUNCT
fsr-3656	35	16	period	period	NOUN
fsr-3656	35	17	provision	provision	NOUN
fsr-3656	35	18	.	.	PUNCT
fsr-3656	36	1	loss	loss	NOUN
fsr-3656	36	2	prevention	prevention	NOUN
fsr-3656	36	3	entails	entail	VERB
fsr-3656	36	4	reduction	reduction	NOUN
fsr-3656	36	5	of	of	ADP
fsr-3656	36	6	the	the	DET
fsr-3656	36	7	probability	probability	NOUN
fsr-3656	36	8	of	of	ADP
fsr-3656	36	9	a	a	DET
fsr-3656	36	10	loss	loss	NOUN
fsr-3656	36	11	event	event	NOUN
fsr-3656	36	12	.	.	PUNCT
fsr-3656	37	1	carefully	carefully	ADV
fsr-3656	37	2	managed	manage	VERB
fsr-3656	37	3	behavior	behavior	NOUN
fsr-3656	37	4	,	,	PUNCT
fsr-3656	37	5	e.g.	e.g.	ADV
fsr-3656	37	6	,	,	PUNCT
fsr-3656	37	7	taking	take	VERB
fsr-3656	37	8	proper	proper	ADJ
fsr-3656	37	9	safety	safety	NOUN
fsr-3656	37	10	measures	measure	NOUN
fsr-3656	37	11	at	at	ADP
fsr-3656	37	12	work	work	NOUN
fsr-3656	37	13	and	and	CCONJ
fsr-3656	37	14	home	home	NOUN
fsr-3656	37	15	,	,	PUNCT
fsr-3656	37	16	can	can	AUX
fsr-3656	37	17	reduce	reduce	VERB
fsr-3656	37	18	,	,	PUNCT
fsr-3656	37	19	but	but	CCONJ
fsr-3656	37	20	not	not	PART
fsr-3656	37	21	completely	completely	ADV
fsr-3656	37	22	eliminate	eliminate	VERB
fsr-3656	37	23	the	the	DET
fsr-3656	37	24	likelihood	likelihood	NOUN
fsr-3656	37	25	of	of	ADP
fsr-3656	37	26	a	a	DET
fsr-3656	37	27	disability	disability	NOUN
fsr-3656	37	28	related	relate	VERB
fsr-3656	37	29	loss	loss	NOUN
fsr-3656	37	30	.	.	PUNCT
fsr-3656	38	1	loss	loss	NOUN
fsr-3656	38	2	control	control	NOUN
fsr-3656	38	3	techniques	technique	NOUN
fsr-3656	38	4	,	,	PUNCT
fsr-3656	38	5	professional	professional	ADJ
fsr-3656	38	6	physical	physical	ADJ
fsr-3656	38	7	therapy	therapy	NOUN
fsr-3656	38	8	for	for	ADP
fsr-3656	38	9	example	example	NOUN
fsr-3656	38	10	,	,	PUNCT
fsr-3656	38	11	may	may	AUX
fsr-3656	38	12	reduce	reduce	VERB
fsr-3656	38	13	the	the	DET
fsr-3656	38	14	severity	severity	NOUN
fsr-3656	38	15	of	of	ADP
fsr-3656	38	16	loss	loss	NOUN
fsr-3656	38	17	if	if	SCONJ
fsr-3656	38	18	the	the	DET
fsr-3656	38	19	disability	disability	NOUN
fsr-3656	38	20	occurs	occur	VERB
fsr-3656	38	21	,	,	PUNCT
fsr-3656	38	22	but	but	CCONJ
fsr-3656	38	23	may	may	AUX
fsr-3656	38	24	have	have	VERB
fsr-3656	38	25	minimal	minimal	ADJ
fsr-3656	38	26	impact	impact	NOUN
fsr-3656	38	27	in	in	ADP
fsr-3656	38	28	many	many	ADJ
fsr-3656	38	29	cases	case	NOUN
fsr-3656	38	30	and	and	CCONJ
fsr-3656	38	31	can	can	AUX
fsr-3656	38	32	not	not	PART
fsr-3656	38	33	reduce	reduce	VERB
fsr-3656	38	34	the	the	DET
fsr-3656	38	35	probability	probability	NOUN
fsr-3656	38	36	of	of	ADP
fsr-3656	38	37	loss	loss	NOUN
fsr-3656	38	38	incidence	incidence	NOUN
fsr-3656	38	39	.	.	PUNCT
fsr-3656	39	1	finally	finally	ADV
fsr-3656	39	2	,	,	PUNCT
fsr-3656	39	3	combining	combine	VERB
fsr-3656	39	4	loss	loss	NOUN
fsr-3656	39	5	exposures	exposure	NOUN
fsr-3656	39	6	,	,	PUNCT
fsr-3656	39	7	e.g.	e.g.	ADV
fsr-3656	39	8	,	,	PUNCT
fsr-3656	39	9	marrying	marry	VERB
fsr-3656	39	10	another	another	DET
fsr-3656	39	11	earner	earner	NOUN
fsr-3656	39	12	or	or	CCONJ
fsr-3656	39	13	having	have	VERB
fsr-3656	39	14	a	a	DET
fsr-3656	39	15	large	large	ADJ
fsr-3656	39	16	family	family	NOUN
fsr-3656	39	17	,	,	PUNCT
fsr-3656	39	18	may	may	AUX
fsr-3656	39	19	reduce	reduce	VERB
fsr-3656	39	20	the	the	DET
fsr-3656	39	21	impact	impact	NOUN
fsr-3656	39	22	of	of	ADP
fsr-3656	39	23	disability	disability	NOUN
fsr-3656	39	24	-	-	PUNCT
fsr-3656	39	25	related	relate	VERB
fsr-3656	39	26	loss	loss	NOUN
fsr-3656	39	27	of	of	ADP
fsr-3656	39	28	income	income	NOUN
fsr-3656	39	29	.	.	PUNCT
fsr-3656	39	30	’	'	PUNCT
fsr-3656	40	1	unlike	unlike	ADP
fsr-3656	40	2	an	an	DET
fsr-3656	40	3	institutional	institutional	ADJ
fsr-3656	40	4	venture	venture	NOUN
fsr-3656	40	5	,	,	PUNCT
fsr-3656	40	6	however	however	ADV
fsr-3656	40	7	,	,	PUNCT
fsr-3656	40	8	the	the	DET
fsr-3656	40	9	individual	individual	NOUN
fsr-3656	40	10	will	will	AUX
fsr-3656	40	11	not	not	PART
fsr-3656	40	12	be	be	AUX
fsr-3656	40	13	able	able	ADJ
fsr-3656	40	14	to	to	PART
fsr-3656	40	15	combine	combine	VERB
fsr-3656	40	16	enough	enough	ADJ
fsr-3656	40	17	exposures	exposure	NOUN
fsr-3656	40	18	to	to	PART
fsr-3656	40	19	provide	provide	VERB
fsr-3656	40	20	adequate	adequate	ADJ
fsr-3656	40	21	diversification	diversification	NOUN
fsr-3656	40	22	.	.	PUNCT
fsr-3656	41	1	in	in	ADP
fsr-3656	41	2	addition	addition	NOUN
fsr-3656	41	3	,	,	PUNCT
fsr-3656	41	4	the	the	DET
fsr-3656	41	5	combination	combination	NOUN
fsr-3656	41	6	of	of	ADP
fsr-3656	41	7	exposures	exposure	NOUN
fsr-3656	41	8	within	within	ADP
fsr-3656	41	9	a	a	DET
fsr-3656	41	10	single	single	ADJ
fsr-3656	41	11	family	family	NOUN
fsr-3656	41	12	still	still	ADV
fsr-3656	41	13	may	may	AUX
fsr-3656	41	14	be	be	AUX
fsr-3656	41	15	subject	subject	ADJ
fsr-3656	41	16	to	to	ADP
fsr-3656	41	17	a	a	DET
fsr-3656	41	18	common	common	ADJ
fsr-3656	41	19	disaster	disaster	NOUN
fsr-3656	41	20	,	,	PUNCT
fsr-3656	41	21	such	such	ADJ
fsr-3656	41	22	as	as	ADP
fsr-3656	41	23	the	the	DET
fsr-3656	41	24	disability	disability	NOUN
fsr-3656	41	25	of	of	ADP
fsr-3656	41	26	several	several	ADJ
fsr-3656	41	27	family	family	NOUN
fsr-3656	41	28	members	member	NOUN
fsr-3656	41	29	caused	cause	VERB
fsr-3656	41	30	by	by	ADP
fsr-3656	41	31	a	a	DET
fsr-3656	41	32	single	single	ADJ
fsr-3656	41	33	,	,	PUNCT
fsr-3656	41	34	severe	severe	ADJ
fsr-3656	41	35	automobile	automobile	NOUN
fsr-3656	41	36	accident	accident	NOUN
fsr-3656	41	37	.	.	PUNCT
fsr-3656	42	1	the	the	DET
fsr-3656	42	2	previous	previous	ADJ
fsr-3656	42	3	discussion	discussion	NOUN
fsr-3656	42	4	indicates	indicate	VERB
fsr-3656	42	5	that	that	SCONJ
fsr-3656	42	6	alternative	alternative	ADJ
fsr-3656	42	7	personal	personal	ADJ
fsr-3656	42	8	risk	risk	NOUN
fsr-3656	42	9	management	management	NOUN
fsr-3656	42	10	methods	method	NOUN
fsr-3656	42	11	may	may	AUX
fsr-3656	42	12	be	be	AUX
fsr-3656	42	13	used	use	VERB
fsr-3656	42	14	to	to	PART
fsr-3656	42	15	reduce	reduce	VERB
fsr-3656	42	16	disability	disability	NOUN
fsr-3656	42	17	-	-	PUNCT
fsr-3656	42	18	related	relate	VERB
fsr-3656	42	19	loss	loss	NOUN
fsr-3656	42	20	exposures	exposure	NOUN
fsr-3656	42	21	and	and	CCONJ
fsr-3656	42	22	,	,	PUNCT
fsr-3656	42	23	possibly	possibly	ADV
fsr-3656	42	24	,	,	PUNCT
fsr-3656	42	25	the	the	DET
fsr-3656	42	26	need	need	NOUN
fsr-3656	42	27	for	for	ADP
fsr-3656	42	28	di	di	NOUN
fsr-3656	42	29	insurance	insurance	NOUN
fsr-3656	42	30	.	.	PUNCT
fsr-3656	43	1	the	the	DET
fsr-3656	43	2	degree	degree	NOUN
fsr-3656	43	3	to	to	PART
fsr-3656	43	4	which	which	PRON
fsr-3656	43	5	such	such	ADJ
fsr-3656	43	6	alternative	alternative	ADJ
fsr-3656	43	7	methods	method	NOUN
fsr-3656	43	8	may	may	AUX
fsr-3656	43	9	substitute	substitute	VERB
fsr-3656	43	10	for	for	ADP
fsr-3656	43	11	an	an	DET
fsr-3656	43	12	individual	individual	NOUN
fsr-3656	43	13	’s	’s	PART
fsr-3656	43	14	insurance	insurance	NOUN
fsr-3656	43	15	requires	require	VERB
fsr-3656	43	16	further	far	ADV
fsr-3656	43	17	modelling	modelling	NOUN
fsr-3656	43	18	and	and	CCONJ
fsr-3656	43	19	empirical	empirical	ADJ
fsr-3656	43	20	examination	examination	NOUN
fsr-3656	43	21	,	,	PUNCT
fsr-3656	43	22	however	however	ADV
fsr-3656	43	23	.	.	PUNCT
fsr-3656	44	1	because	because	SCONJ
fsr-3656	44	2	the	the	DET
fsr-3656	44	3	individual	individual	NOUN
fsr-3656	44	4	can	can	AUX
fsr-3656	44	5	not	not	PART
fsr-3656	44	6	completely	completely	ADV
fsr-3656	44	7	control	control	VERB
fsr-3656	44	8	his	his	PRON
fsr-3656	44	9	or	or	CCONJ
fsr-3656	44	10	her	her	PRON
fsr-3656	44	11	environment	environment	NOUN
fsr-3656	44	12	or	or	CCONJ
fsr-3656	44	13	diversify	diversify	VERB
fsr-3656	44	14	adequately	adequately	ADV
fsr-3656	44	15	his	his	PRON
fsr-3656	44	16	or	or	CCONJ
fsr-3656	44	17	her	her	PRON
fsr-3656	44	18	source(s	source(s	NOUN
fsr-3656	44	19	)	)	PUNCT
fsr-3656	44	20	of	of	ADP
fsr-3656	44	21	earned	earn	VERB
fsr-3656	44	22	income	income	NOUN
fsr-3656	44	23	,	,	PUNCT
fsr-3656	44	24	he	he	PRON
fsr-3656	44	25	or	or	CCONJ
fsr-3656	44	26	she	she	PRON
fsr-3656	44	27	normally	normally	ADV
fsr-3656	44	28	is	be	AUX
fsr-3656	44	29	forced	force	VERB
fsr-3656	44	30	to	to	PART
fsr-3656	44	31	consider	consider	VERB
fsr-3656	44	32	the	the	DET
fsr-3656	44	33	final	final	ADJ
fsr-3656	44	34	risk	risk	NOUN
fsr-3656	44	35	management	management	NOUN
fsr-3656	44	36	method	method	NOUN
fsr-3656	44	37	,	,	PUNCT
fsr-3656	44	38	i.e.	i.e.	X
fsr-3656	44	39	,	,	PUNCT
fsr-3656	44	40	transfer	transfer	NOUN
fsr-3656	44	41	of	of	ADP
fsr-3656	44	42	the	the	DET
fsr-3656	44	43	loss	loss	NOUN
fsr-3656	44	44	exposure	exposure	NOUN
fsr-3656	44	45	to	to	ADP
fsr-3656	44	46	a	a	DET
fsr-3656	44	47	public	public	ADJ
fsr-3656	44	48	or	or	CCONJ
fsr-3656	44	49	private	private	ADJ
fsr-3656	44	50	institution	institution	NOUN
fsr-3656	44	51	via	via	ADP
fsr-3656	44	52	an	an	DET
fsr-3656	44	53	insurance	insurance	NOUN
fsr-3656	44	54	contract	contract	NOUN
fsr-3656	44	55	.	.	PUNCT
fsr-3656	45	1	determining	determine	VERB
fsr-3656	45	2	the	the	DET
fsr-3656	45	3	extent	extent	NOUN
fsr-3656	45	4	of	of	ADP
fsr-3656	45	5	di	di	NOUN
fsr-3656	45	6	insurance	insurance	NOUN
fsr-3656	45	7	usage	usage	NOUN
fsr-3656	45	8	is	be	AUX
fsr-3656	45	9	the	the	DET
fsr-3656	45	10	difficult	difficult	ADJ
fsr-3656	45	11	question	question	NOUN
fsr-3656	45	12	discussed	discuss	VERB
fsr-3656	45	13	next	next	ADV
fsr-3656	45	14	.	.	PUNCT
fsr-3656	46	1	the	the	DET
fsr-3656	46	2	magnitude	magnitude	NOUN
fsr-3656	46	3	of	of	ADP
fsr-3656	46	4	the	the	DET
fsr-3656	46	5	need	need	NOUN
fsr-3656	46	6	mehr	mehr	NOUN
fsr-3656	46	7	and	and	CCONJ
fsr-3656	46	8	gustavson	gustavson	NOUN
fsr-3656	46	9	(	(	PUNCT
fsr-3656	46	10	mg	mg	PROPN
fsr-3656	46	11	)	)	PUNCT
fsr-3656	46	12	(	(	PUNCT
fsr-3656	46	13	1987	1987	NUM
fsr-3656	46	14	,	,	PUNCT
fsr-3656	46	15	pp	pp	PROPN
fsr-3656	46	16	.	.	PUNCT
fsr-3656	46	17	426	426	NUM
fsr-3656	46	18	-	-	SYM
fsr-3656	46	19	428	428	NUM
fsr-3656	46	20	)	)	PUNCT
fsr-3656	46	21	provide	provide	VERB
fsr-3656	46	22	a	a	DET
fsr-3656	46	23	simple	simple	ADJ
fsr-3656	46	24	procedure	procedure	NOUN
fsr-3656	46	25	for	for	ADP
fsr-3656	46	26	estimating	estimate	VERB
fsr-3656	46	27	di	di	NOUN
fsr-3656	46	28	insurance	insurance	NOUN
fsr-3656	46	29	needs	need	NOUN
fsr-3656	46	30	for	for	ADP
fsr-3656	46	31	the	the	DET
fsr-3656	46	32	individual	individual	NOUN
fsr-3656	46	33	and	and	CCONJ
fsr-3656	46	34	his	his	PRON
fsr-3656	46	35	or	or	CCONJ
fsr-3656	46	36	her	her	PRON
fsr-3656	46	37	family	family	NOUN
fsr-3656	46	38	.	.	PUNCT
fsr-3656	47	1	the	the	DET
fsr-3656	47	2	method	method	NOUN
fsr-3656	47	3	involves	involve	VERB
fsr-3656	47	4	annual	annual	ADJ
fsr-3656	47	5	estimation	estimation	NOUN
fsr-3656	47	6	summarized	summarize	VERB
fsr-3656	47	7	as	as	SCONJ
fsr-3656	47	8	follows	follow	VERB
fsr-3656	47	9	:	:	PUNCT
fsr-3656	47	10	where	where	SCONJ
fsr-3656	47	11	:	:	PUNCT
fsr-3656	47	12	n	n	PROPN
fsr-3656	47	13	=	=	SYM
fsr-3656	47	14	gross	gross	ADJ
fsr-3656	47	15	disability	disability	NOUN
fsr-3656	47	16	income	income	NOUN
fsr-3656	47	17	insurance	insurance	NOUN
fsr-3656	47	18	needs	need	NOUN
fsr-3656	47	19	;	;	PUNCT
fsr-3656	47	20	e	e	X
fsr-3656	47	21	=	=	SYM
fsr-3656	47	22	total	total	ADJ
fsr-3656	47	23	family	family	NOUN
fsr-3656	47	24	expenses	expense	NOUN
fsr-3656	47	25	;	;	PUNCT
fsr-3656	47	26	x	x	SYM
fsr-3656	47	27	=	=	SYM
fsr-3656	47	28	extra	extra	ADJ
fsr-3656	47	29	expenses	expense	NOUN
fsr-3656	47	30	caused	cause	VERB
fsr-3656	47	31	by	by	ADP
fsr-3656	47	32	the	the	DET
fsr-3656	47	33	earner	earner	NOUN
fsr-3656	47	34	’s	’s	PART
fsr-3656	47	35	disability	disability	NOUN
fsr-3656	47	36	;	;	PUNCT
fsr-3656	47	37	i	i	PRON
fsr-3656	47	38	=	=	PUNCT
fsr-3656	47	39	post	post	ADJ
fsr-3656	47	40	-	-	ADJ
fsr-3656	47	41	tax	tax	ADJ
fsr-3656	47	42	family	family	NOUN
fsr-3656	47	43	income	income	NOUN
fsr-3656	47	44	after	after	ADP
fsr-3656	47	45	the	the	DET
fsr-3656	47	46	earner	earner	NOUN
fsr-3656	47	47	’s	’s	PART
fsr-3656	47	48	disabiity	disabiity	NOUN
fsr-3656	47	49	;	;	PUNCT
fsr-3656	47	50	s	s	NOUN
fsr-3656	47	51	=	=	VERB
fsr-3656	47	52	social	social	ADJ
fsr-3656	47	53	security	security	NOUN
fsr-3656	47	54	disability	disability	NOUN
fsr-3656	47	55	income	income	NOUN
fsr-3656	47	56	(	(	PUNCT
fsr-3656	47	57	ssdi	ssdi	NOUN
fsr-3656	47	58	)	)	PUNCT
fsr-3656	47	59	benefits	benefit	NOUN
fsr-3656	47	60	;	;	PUNCT
fsr-3656	47	61	and	and	CCONJ
fsr-3656	47	62	t	t	NOUN
fsr-3656	47	63	=	=	PUNCT
fsr-3656	47	64	time	time	NOUN
fsr-3656	47	65	period	period	NOUN
fsr-3656	47	66	(	(	PUNCT
fsr-3656	47	67	year	year	NOUN
fsr-3656	47	68	)	)	PUNCT
fsr-3656	47	69	.	.	PUNCT
fsr-3656	48	1	64	64	NUM
fsr-3656	48	2	financial	financial	ADJ
fsr-3656	48	3	services	service	NOUN
fsr-3656	48	4	review	review	NOUN
fsr-3656	48	5	,	,	PUNCT
fsr-3656	48	6	l(1	l(1	PROPN
fsr-3656	48	7	)	)	PUNCT
fsr-3656	48	8	1991	1991	NUM
fsr-3656	48	9	the	the	DET
fsr-3656	48	10	individu~	individu~	PROPN
fsr-3656	48	11	would	would	AUX
fsr-3656	48	12	purchase	purchase	VERB
fsr-3656	48	13	di	di	NOUN
fsr-3656	48	14	insurance	insurance	NOUN
fsr-3656	48	15	paying	pay	VERB
fsr-3656	48	16	a	a	DET
fsr-3656	48	17	monthly	monthly	ADJ
fsr-3656	48	18	benefit	benefit	NOUN
fsr-3656	48	19	in	in	ADP
fsr-3656	48	20	the	the	DET
fsr-3656	48	21	amount	amount	NOUN
fsr-3656	48	22	indicated	indicate	VERB
fsr-3656	48	23	for	for	ADP
fsr-3656	48	24	the	the	DET
fsr-3656	48	25	current	current	ADJ
fsr-3656	48	26	year	year	NOUN
fsr-3656	48	27	,	,	PUNCT
fsr-3656	48	28	iv	iv	X
fsr-3656	48	29	,	,	PUNCT
fsr-3656	48	30	,	,	PUNCT
fsr-3656	48	31	less	less	ADV
fsr-3656	48	32	existing	exist	VERB
fsr-3656	48	33	financial	financial	ADJ
fsr-3656	48	34	assets	asset	NOUN
fsr-3656	48	35	,	,	PUNCT
fsr-3656	48	36	but	but	CCONJ
fsr-3656	48	37	the	the	DET
fsr-3656	48	38	benefit	benefit	NOUN
fsr-3656	48	39	purchased	purchase	VERB
fsr-3656	48	40	would	would	AUX
fsr-3656	48	41	be	be	AUX
fsr-3656	48	42	adjusted	adjust	VERB
fsr-3656	48	43	over	over	ADP
fsr-3656	48	44	time	time	NOUN
fsr-3656	48	45	following	follow	VERB
fsr-3656	48	46	the	the	DET
fsr-3656	48	47	needs	need	NOUN
fsr-3656	48	48	estimation	estimation	NOUN
fsr-3656	48	49	procedure	procedure	NOUN
fsr-3656	48	50	contained	contain	VERB
fsr-3656	48	51	in	in	ADP
fsr-3656	48	52	equation	equation	NOUN
fsr-3656	48	53	1	1	NUM
fsr-3656	48	54	.	.	PUNCT
fsr-3656	49	1	after	after	ADP
fsr-3656	49	2	-	-	PUNCT
fsr-3656	49	3	tax	tax	NOUN
fsr-3656	49	4	estimates	estimate	NOUN
fsr-3656	49	5	are	be	AUX
fsr-3656	49	6	used	use	VERB
fsr-3656	49	7	because	because	SCONJ
fsr-3656	49	8	di	di	NOUN
fsr-3656	49	9	insurance	insurance	NOUN
fsr-3656	49	10	policies	policy	NOUN
fsr-3656	49	11	generally	generally	ADV
fsr-3656	49	12	provide	provide	VERB
fsr-3656	49	13	tax	tax	NOUN
fsr-3656	49	14	-	-	PUNCT
fsr-3656	49	15	exempt	exempt	ADJ
fsr-3656	49	16	benefits	benefit	NOUN
fsr-3656	49	17	as	as	ADV
fsr-3656	49	18	long	long	ADV
fsr-3656	49	19	as	as	SCONJ
fsr-3656	49	20	the	the	DET
fsr-3656	49	21	indi	indi	PROPN
fsr-3656	49	22	~	~	PROPN
fsr-3656	49	23	du~	du~	PROPN
fsr-3656	49	24	or	or	CCONJ
fsr-3656	49	25	his	his	PRON
fsr-3656	49	26	or	or	CCONJ
fsr-3656	49	27	her	her	PRON
fsr-3656	49	28	employer	employer	NOUN
fsr-3656	49	29	have	have	AUX
fsr-3656	49	30	not	not	PART
fsr-3656	49	31	taken	take	VERB
fsr-3656	49	32	an	an	DET
fsr-3656	49	33	income	income	NOUN
fsr-3656	49	34	tax	tax	NOUN
fsr-3656	49	35	deduction	deduction	NOUN
fsr-3656	49	36	for	for	ADP
fsr-3656	49	37	the	the	DET
fsr-3656	49	38	premiums	premium	NOUN
fsr-3656	49	39	paid	pay	VERB
fsr-3656	49	40	previously	previously	ADV
fsr-3656	49	41	.	.	PUNCT
fsr-3656	50	1	mg	mg	PROPN
fsr-3656	50	2	do	do	AUX
fsr-3656	50	3	not	not	PART
fsr-3656	50	4	discount	discount	VERB
fsr-3656	50	5	the	the	DET
fsr-3656	50	6	stream	stream	NOUN
fsr-3656	50	7	of	of	ADP
fsr-3656	50	8	annual	annual	ADJ
fsr-3656	50	9	estimates	estimate	NOUN
fsr-3656	50	10	to	to	ADP
fsr-3656	50	11	the	the	DET
fsr-3656	50	12	present	present	NOUN
fsr-3656	50	13	,	,	PUNCT
fsr-3656	50	14	as	as	SCONJ
fsr-3656	50	15	would	would	AUX
fsr-3656	50	16	be	be	AUX
fsr-3656	50	17	the	the	DET
fsr-3656	50	18	case	case	NOUN
fsr-3656	50	19	for	for	ADP
fsr-3656	50	20	a	a	DET
fsr-3656	50	21	life	life	NOUN
fsr-3656	50	22	insurance	insurance	NOUN
fsr-3656	50	23	needs	need	NOUN
fsr-3656	50	24	estimate	estimate	VERB
fsr-3656	50	25	,	,	PUNCT
fsr-3656	50	26	because	because	SCONJ
fsr-3656	50	27	potential	potential	ADJ
fsr-3656	50	28	adverse	adverse	ADJ
fsr-3656	50	29	selection	selection	NOUN
fsr-3656	50	30	problems	problem	NOUN
fsr-3656	50	31	,	,	PUNCT
fsr-3656	50	32	especially	especially	ADV
fsr-3656	50	33	those	those	PRON
fsr-3656	50	34	created	create	VERB
fsr-3656	50	35	by	by	ADP
fsr-3656	50	36	moral	moral	ADJ
fsr-3656	50	37	hazard	hazard	NOUN
fsr-3656	50	38	,	,	PUNCT
fsr-3656	50	39	prevent	prevent	VERB
fsr-3656	50	40	insurers	insurer	NOUN
fsr-3656	50	41	from	from	ADP
fsr-3656	50	42	offering	offer	VERB
fsr-3656	50	43	di	di	NOUN
fsr-3656	50	44	insurance	insurance	NOUN
fsr-3656	50	45	benefits	benefit	NOUN
fsr-3656	50	46	in	in	ADP
fsr-3656	50	47	a	a	DET
fsr-3656	50	48	lump	lump	NOUN
fsr-3656	50	49	sum	sum	NOUN
fsr-3656	50	50	.	.	PUNCT
fsr-3656	51	1	using	use	VERB
fsr-3656	51	2	a	a	DET
fsr-3656	51	3	case	case	NOUN
fsr-3656	51	4	example	example	NOUN
fsr-3656	51	5	,	,	PUNCT
fsr-3656	51	6	mg	mg	PROPN
fsr-3656	51	7	demonstrate	demonstrate	VERB
fsr-3656	51	8	the	the	DET
fsr-3656	51	9	potenti	potenti	X
fsr-3656	51	10	~	~	PROPN
fsr-3656	51	11	ly	ly	ADP
fsr-3656	51	12	great	great	ADJ
fsr-3656	51	13	variability	variability	NOUN
fsr-3656	51	14	of	of	ADP
fsr-3656	51	15	disability	disability	NOUN
fsr-3656	51	16	-	-	PUNCT
fsr-3656	51	17	related	relate	VERB
fsr-3656	51	18	family	family	NOUN
fsr-3656	51	19	needs	need	VERB
fsr-3656	51	20	over	over	ADP
fsr-3656	51	21	time	time	NOUN
fsr-3656	51	22	and	and	CCONJ
fsr-3656	51	23	note	note	VERB
fsr-3656	51	24	that	that	SCONJ
fsr-3656	51	25	benefits	benefit	NOUN
fsr-3656	51	26	based	base	VERB
fsr-3656	51	27	on	on	ADP
fsr-3656	51	28	an	an	DET
fsr-3656	51	29	earner	earner	NOUN
fsr-3656	51	30	’s	’s	PART
fsr-3656	51	31	present	present	ADJ
fsr-3656	51	32	income	income	NOUN
fsr-3656	51	33	may	may	AUX
fsr-3656	51	34	prove	prove	VERB
fsr-3656	51	35	inadequate	inadequate	ADJ
fsr-3656	51	36	to	to	PART
fsr-3656	51	37	meet	meet	VERB
fsr-3656	51	38	the	the	DET
fsr-3656	51	39	family	family	NOUN
fsr-3656	51	40	’s	’s	PART
fsr-3656	51	41	future	future	ADJ
fsr-3656	51	42	needs	need	NOUN
fsr-3656	51	43	,	,	PUNCT
fsr-3656	51	44	even	even	ADV
fsr-3656	51	45	when	when	SCONJ
fsr-3656	51	46	a	a	DET
fsr-3656	51	47	cost	cost	NOUN
fsr-3656	51	48	-	-	PUNCT
fsr-3656	51	49	of	of	ADP
fsr-3656	51	50	-	-	PUNCT
fsr-3656	51	51	living	living	NOUN
fsr-3656	51	52	rider	rider	NOUN
fsr-3656	51	53	is	be	AUX
fsr-3656	51	54	attached	attach	VERB
fsr-3656	51	55	to	to	ADP
fsr-3656	51	56	the	the	DET
fsr-3656	51	57	policy	policy	NOUN
fsr-3656	51	58	.	.	PUNCT
fsr-3656	52	1	cox	cox	PROPN
fsr-3656	52	2	,	,	PUNCT
fsr-3656	52	3	gustavson	gustavson	NOUN
fsr-3656	52	4	,	,	PUNCT
fsr-3656	52	5	and	and	CCONJ
fsr-3656	52	6	stam	stam	NOUN
fsr-3656	52	7	(	(	PUNCT
fsr-3656	52	8	cgs	cgs	NOUN
fsr-3656	52	9	)	)	PUNCT
fsr-3656	52	10	(	(	PUNCT
fsr-3656	52	11	1990	1990	NUM
fsr-3656	52	12	)	)	PUNCT
fsr-3656	52	13	introduce	introduce	VERB
fsr-3656	52	14	an	an	DET
fsr-3656	52	15	expected	expect	VERB
fsr-3656	52	16	value	value	NOUN
fsr-3656	52	17	model	model	NOUN
fsr-3656	52	18	to	to	PART
fsr-3656	52	19	show	show	VERB
fsr-3656	52	20	that	that	SCONJ
fsr-3656	52	21	,	,	PUNCT
fsr-3656	52	22	from	from	ADP
fsr-3656	52	23	the	the	DET
fsr-3656	52	24	individual	individual	NOUN
fsr-3656	52	25	’s	’s	PART
fsr-3656	52	26	perspective	perspective	NOUN
fsr-3656	52	27	,	,	PUNCT
fsr-3656	52	28	the	the	DET
fsr-3656	52	29	need	need	NOUN
fsr-3656	52	30	for	for	ADP
fsr-3656	52	31	income	income	NOUN
fsr-3656	52	32	replacement	replacement	NOUN
fsr-3656	52	33	caused	cause	VERB
fsr-3656	52	34	by	by	ADP
fsr-3656	52	35	long	long	ADJ
fsr-3656	52	36	-	-	PUNCT
fsr-3656	52	37	term	term	NOUN
fsr-3656	52	38	disability	disability	NOUN
fsr-3656	52	39	(	(	PUNCT
fsr-3656	52	40	ltd	ltd	ADJ
fsr-3656	52	41	)	)	PUNCT
fsr-3656	52	42	normally	normally	ADV
fsr-3656	52	43	dominates	dominate	VERB
fsr-3656	52	44	the	the	DET
fsr-3656	52	45	comparable	comparable	ADJ
fsr-3656	52	46	need	need	NOUN
fsr-3656	52	47	caused	cause	VERB
fsr-3656	52	48	by	by	ADP
fsr-3656	52	49	death	death	NOUN
fsr-3656	52	50	.	.	PUNCT
fsr-3656	53	1	although	although	SCONJ
fsr-3656	53	2	their	their	PRON
fsr-3656	53	3	model	model	NOUN
fsr-3656	53	4	discounts	discount	VERB
fsr-3656	53	5	future	future	ADJ
fsr-3656	53	6	cash	cash	NOUN
fsr-3656	53	7	flows	flow	NOUN
fsr-3656	53	8	in	in	ADP
fsr-3656	53	9	order	order	NOUN
fsr-3656	53	10	to	to	PART
fsr-3656	53	11	compare	compare	VERB
fsr-3656	53	12	the	the	DET
fsr-3656	53	13	actuarial	actuarial	ADJ
fsr-3656	53	14	expected	expect	VERB
fsr-3656	53	15	values	value	NOUN
fsr-3656	53	16	of	of	ADP
fsr-3656	53	17	ltd	ltd	PROPN
fsr-3656	53	18	versus	versus	ADP
fsr-3656	53	19	life	life	NOUN
fsr-3656	53	20	insurance	insurance	NOUN
fsr-3656	53	21	objectives	objective	NOUN
fsr-3656	53	22	for	for	ADP
fsr-3656	53	23	individuals	individual	NOUN
fsr-3656	53	24	,	,	PUNCT
fsr-3656	53	25	cgs	cgs	NOUN
fsr-3656	53	26	caution	caution	NOUN
fsr-3656	53	27	that	that	SCONJ
fsr-3656	53	28	the	the	DET
fsr-3656	53	29	model	model	NOUN
fsr-3656	53	30	is	be	AUX
fsr-3656	53	31	not	not	PART
fsr-3656	53	32	applicable	applicable	ADJ
fsr-3656	53	33	for	for	ADP
fsr-3656	53	34	personal	personal	ADJ
fsr-3656	53	35	planning	planning	NOUN
fsr-3656	53	36	purposes	purpose	NOUN
fsr-3656	53	37	.	.	PUNCT
fsr-3656	54	1	they	they	PRON
fsr-3656	54	2	call	call	VERB
fsr-3656	54	3	for	for	ADP
fsr-3656	54	4	better	well	ADJ
fsr-3656	54	5	planning	planning	NOUN
fsr-3656	54	6	models	model	NOUN
fsr-3656	54	7	that	that	PRON
fsr-3656	54	8	impound	impound	VERB
fsr-3656	54	9	loss	loss	NOUN
fsr-3656	54	10	frequency	frequency	NOUN
fsr-3656	54	11	information	information	NOUN
fsr-3656	54	12	and	and	CCONJ
fsr-3656	54	13	account	account	NOUN
fsr-3656	54	14	for	for	ADP
fsr-3656	54	15	insurance	insurance	NOUN
fsr-3656	54	16	portfolio	portfolio	NOUN
fsr-3656	54	17	effects	effect	NOUN
fsr-3656	54	18	.	.	PUNCT
fsr-3656	55	1	while	while	SCONJ
fsr-3656	55	2	generating	generate	VERB
fsr-3656	55	3	preliminary	preliminary	ADJ
fsr-3656	55	4	evidence	evidence	NOUN
fsr-3656	55	5	that	that	SCONJ
fsr-3656	55	6	individual	individual	ADJ
fsr-3656	55	7	needs	need	VERB
fsr-3656	55	8	for	for	ADP
fsr-3656	55	9	ltd	ltd	PROPN
fsr-3656	55	10	insurance	insurance	NOUN
fsr-3656	55	11	may	may	AUX
fsr-3656	55	12	dominate	dominate	VERB
fsr-3656	55	13	those	those	PRON
fsr-3656	55	14	for	for	ADP
fsr-3656	55	15	life	life	NOUN
fsr-3656	55	16	insurance	insurance	NOUN
fsr-3656	55	17	,	,	PUNCT
fsr-3656	55	18	cgs	cgs	NOUN
fsr-3656	55	19	note	note	NOUN
fsr-3656	55	20	that	that	SCONJ
fsr-3656	55	21	less	less	ADJ
fsr-3656	55	22	than	than	ADP
fsr-3656	55	23	22	22	NUM
fsr-3656	55	24	percent	percent	NOUN
fsr-3656	55	25	of	of	ADP
fsr-3656	55	26	the	the	DET
fsr-3656	55	27	public	public	NOUN
fsr-3656	55	28	is	be	AUX
fsr-3656	55	29	covered	cover	VERB
fsr-3656	55	30	by	by	ADP
fsr-3656	55	31	some	some	DET
fsr-3656	55	32	form	form	NOUN
fsr-3656	55	33	of	of	ADP
fsr-3656	55	34	long	long	ADJ
fsr-3656	55	35	-	-	PUNCT
fsr-3656	55	36	term	term	NOUN
fsr-3656	55	37	disability	disability	NOUN
fsr-3656	55	38	(	(	PUNCT
fsr-3656	55	39	ltd	ltd	NOUN
fsr-3656	55	40	)	)	PUNCT
fsr-3656	55	41	insurance	insurance	NOUN
fsr-3656	55	42	other	other	ADJ
fsr-3656	55	43	than	than	ADP
fsr-3656	55	44	social	social	ADJ
fsr-3656	55	45	security	security	NOUN
fsr-3656	55	46	.	.	PUNCT
fsr-3656	56	1	price	price	NOUN
fsr-3656	56	2	(	(	PUNCT
fsr-3656	56	3	1986	1986	NUM
fsr-3656	56	4	,	,	PUNCT
fsr-3656	56	5	p.	p.	NOUN
fsr-3656	56	6	8)	8)	NUM
fsr-3656	56	7	indicates	indicate	VERB
fsr-3656	56	8	that	that	SCONJ
fsr-3656	56	9	nearly	nearly	ADV
fsr-3656	56	10	60	60	NUM
fsr-3656	56	11	percent	percent	NOUN
fsr-3656	56	12	of	of	ADP
fsr-3656	56	13	u.s	u.s	PROPN
fsr-3656	56	14	.	.	PROPN
fsr-3656	56	15	wage	wage	NOUN
fsr-3656	56	16	and	and	CCONJ
fsr-3656	56	17	salary	salary	NOUN
fsr-3656	56	18	workers	worker	NOUN
fsr-3656	56	19	have	have	VERB
fsr-3656	56	20	some	some	DET
fsr-3656	56	21	form	form	NOUN
fsr-3656	56	22	of	of	ADP
fsr-3656	56	23	short	short	ADJ
fsr-3656	56	24	-	-	PUNCT
fsr-3656	56	25	term	term	NOUN
fsr-3656	56	26	disability	disability	NOUN
fsr-3656	56	27	(	(	PUNCT
fsr-3656	56	28	std	std	NOUN
fsr-3656	56	29	)	)	PUNCT
fsr-3656	56	30	income	income	NOUN
fsr-3656	56	31	plan	plan	NOUN
fsr-3656	56	32	.	.	PUNCT
fsr-3656	57	1	in	in	ADP
fsr-3656	57	2	contrast	contrast	NOUN
fsr-3656	57	3	,	,	PUNCT
fsr-3656	57	4	over	over	ADP
fsr-3656	57	5	80	80	NUM
fsr-3656	57	6	percent	percent	NOUN
fsr-3656	57	7	of	of	ADP
fsr-3656	57	8	u.s	u.s	PROPN
fsr-3656	57	9	.	.	PROPN
fsr-3656	57	10	households	household	NOUN
fsr-3656	57	11	own	own	VERB
fsr-3656	57	12	life	life	NOUN
fsr-3656	57	13	insurance	insurance	NOUN
fsr-3656	57	14	(	(	PUNCT
fsr-3656	57	15	stemnock	stemnock	NOUN
fsr-3656	57	16	,	,	PUNCT
fsr-3656	57	17	1988	1988	NUM
fsr-3656	57	18	)	)	PUNCT
fsr-3656	57	19	.	.	PUNCT
fsr-3656	58	1	the	the	DET
fsr-3656	58	2	possibly	possibly	ADV
fsr-3656	58	3	inadequate	inadequate	ADJ
fsr-3656	58	4	response	response	NOUN
fsr-3656	58	5	by	by	ADP
fsr-3656	58	6	individu	individu	NOUN
fsr-3656	58	7	~	~	NOUN
fsr-3656	58	8	s	s	X
fsr-3656	58	9	to	to	ADP
fsr-3656	58	10	the	the	DET
fsr-3656	58	11	demonstrated	demonstrate	VERB
fsr-3656	58	12	need	need	NOUN
fsr-3656	58	13	for	for	ADP
fsr-3656	58	14	ltd	ltd	PROPN
fsr-3656	58	15	insurance	insurance	NOUN
fsr-3656	58	16	must	must	AUX
fsr-3656	58	17	concern	concern	VERB
fsr-3656	58	18	the	the	DET
fsr-3656	58	19	researcher	researcher	NOUN
fsr-3656	58	20	interested	interested	ADJ
fsr-3656	58	21	in	in	ADP
fsr-3656	58	22	individual	individual	ADJ
fsr-3656	58	23	financial	financial	ADJ
fsr-3656	58	24	management	management	NOUN
fsr-3656	58	25	because	because	SCONJ
fsr-3656	58	26	of	of	ADP
fsr-3656	58	27	the	the	DET
fsr-3656	58	28	potentially	potentially	ADV
fsr-3656	58	29	catastrophic	catastrophic	ADJ
fsr-3656	58	30	loss	loss	NOUN
fsr-3656	58	31	exposure	exposure	NOUN
fsr-3656	58	32	accepted	accept	VERB
fsr-3656	58	33	by	by	ADP
fsr-3656	58	34	the	the	DET
fsr-3656	58	35	vast	vast	ADJ
fsr-3656	58	36	majority	majority	NOUN
fsr-3656	58	37	of	of	ADP
fsr-3656	58	38	u.s	u.s	PROPN
fsr-3656	58	39	.	.	PROPN
fsr-3656	58	40	earners	earner	NOUN
fsr-3656	58	41	.	.	PUNCT
fsr-3656	59	1	other	other	ADJ
fsr-3656	59	2	problems	problem	NOUN
fsr-3656	59	3	observed	observe	VERB
fsr-3656	59	4	in	in	ADP
fsr-3656	59	5	the	the	DET
fsr-3656	59	6	u.s	u.s	PROPN
fsr-3656	59	7	.	.	PROPN
fsr-3656	59	8	marketplace	marketplace	NOUN
fsr-3656	59	9	include	include	VERB
fsr-3656	59	10	perceived	perceive	VERB
fsr-3656	59	11	product	product	NOUN
fsr-3656	59	12	complexity	complexity	NOUN
fsr-3656	59	13	,	,	PUNCT
fsr-3656	59	14	the	the	DET
fsr-3656	59	15	paucity	paucity	NOUN
fsr-3656	59	16	of	of	ADP
fsr-3656	59	17	standardized	standardized	ADJ
fsr-3656	59	18	pricing	pricing	NOUN
fsr-3656	59	19	,	,	PUNCT
fsr-3656	59	20	non	non	ADJ
fsr-3656	59	21	-	-	NOUN
fsr-3656	59	22	coordination	coordination	NOUN
fsr-3656	59	23	of	of	ADP
fsr-3656	59	24	some	some	DET
fsr-3656	59	25	private	private	ADJ
fsr-3656	59	26	and	and	CCONJ
fsr-3656	59	27	public	public	ADJ
fsr-3656	59	28	benefit	benefit	NOUN
fsr-3656	59	29	programs	program	NOUN
fsr-3656	59	30	,	,	PUNCT
fsr-3656	59	31	and	and	CCONJ
fsr-3656	59	32	availability	availability	NOUN
fsr-3656	59	33	problems	problem	NOUN
fsr-3656	59	34	for	for	ADP
fsr-3656	59	35	individu	individu	NOUN
fsr-3656	59	36	~	~	SYM
fsr-3656	59	37	s	s	X
fsr-3656	59	38	in	in	ADP
fsr-3656	59	39	certain	certain	ADJ
fsr-3656	59	40	occupational	occupational	ADJ
fsr-3656	59	41	classes	class	NOUN
fsr-3656	59	42	.	.	PUNCT
fsr-3656	60	1	the	the	DET
fsr-3656	60	2	public	public	ADJ
fsr-3656	60	3	interest	interest	NOUN
fsr-3656	60	4	,	,	PUNCT
fsr-3656	60	5	as	as	ADV
fsr-3656	60	6	well	well	ADV
fsr-3656	60	7	as	as	ADP
fsr-3656	60	8	intellectual	intellectual	ADJ
fsr-3656	60	9	curiosity	curiosity	NOUN
fsr-3656	60	10	,	,	PUNCT
fsr-3656	60	11	demands	demand	VERB
fsr-3656	60	12	that	that	SCONJ
fsr-3656	60	13	both	both	PRON
fsr-3656	60	14	individual	individual	ADJ
fsr-3656	60	15	behavior	behavior	NOUN
fsr-3656	60	16	and	and	CCONJ
fsr-3656	60	17	the	the	DET
fsr-3656	60	18	informational	informational	ADJ
fsr-3656	60	19	efficiency	efficiency	NOUN
fsr-3656	60	20	of	of	ADP
fsr-3656	60	21	di	di	NOUN
fsr-3656	60	22	insurance	insurance	NOUN
fsr-3656	60	23	markets	market	NOUN
fsr-3656	60	24	be	be	AUX
fsr-3656	60	25	studied	study	VERB
fsr-3656	60	26	carefully	carefully	ADV
fsr-3656	60	27	.	.	PUNCT
fsr-3656	61	1	next	next	ADV
fsr-3656	61	2	,	,	PUNCT
fsr-3656	61	3	the	the	DET
fsr-3656	61	4	literature	literature	NOUN
fsr-3656	61	5	concerning	concern	VERB
fsr-3656	61	6	the	the	DET
fsr-3656	61	7	availability	availability	NOUN
fsr-3656	61	8	and	and	CCONJ
fsr-3656	61	9	efficacy	efficacy	NOUN
fsr-3656	61	10	of	of	ADP
fsr-3656	61	11	alternative	alternative	ADJ
fsr-3656	61	12	sources	source	NOUN
fsr-3656	61	13	of	of	ADP
fsr-3656	61	14	di	di	NOUN
fsr-3656	61	15	insurance	insurance	NOUN
fsr-3656	61	16	protection	protection	NOUN
fsr-3656	61	17	are	be	AUX
fsr-3656	61	18	discussed	discuss	VERB
fsr-3656	61	19	.	.	PUNCT
fsr-3656	62	1	disability	disability	NOUN
fsr-3656	62	2	income	income	NOUN
fsr-3656	62	3	znsurwwe	znsurwwe	NOUN
fsr-3656	62	4	and	and	CCONJ
fsr-3656	62	5	the	the	DET
fsr-3656	62	6	individual	individual	ADJ
fsr-3656	62	7	65	65	NUM
fsr-3656	62	8	sources	source	NOUN
fsr-3656	62	9	of	of	ADP
fsr-3656	62	10	disability	disability	NOUN
fsr-3656	62	11	income	income	NOUN
fsr-3656	62	12	protection	protection	NOUN
fsr-3656	62	13	shortterm	shortterm	PROPN
fsr-3656	62	14	disability	disability	NOUN
fsr-3656	62	15	benefits	benefit	NOUN
fsr-3656	62	16	the	the	DET
fsr-3656	62	17	majority	majority	NOUN
fsr-3656	62	18	of	of	ADP
fsr-3656	62	19	u.s	u.s	PROPN
fsr-3656	62	20	.	.	PROPN
fsr-3656	62	21	earners	earner	NOUN
fsr-3656	62	22	have	have	VERB
fsr-3656	62	23	some	some	DET
fsr-3656	62	24	form	form	NOUN
fsr-3656	62	25	of	of	ADP
fsr-3656	62	26	short	short	ADJ
fsr-3656	62	27	-	-	PUNCT
fsr-3656	62	28	term	term	NOUN
fsr-3656	62	29	disability	disability	NOUN
fsr-3656	62	30	(	(	PUNCT
fsr-3656	62	31	std	std	NOUN
fsr-3656	62	32	)	)	PUNCT
fsr-3656	62	33	protection	protection	NOUN
fsr-3656	62	34	,	,	PUNCT
fsr-3656	62	35	defined	define	VERB
fsr-3656	62	36	here	here	ADV
fsr-3656	62	37	as	as	ADP
fsr-3656	62	38	coverage	coverage	NOUN
fsr-3656	62	39	during	during	ADP
fsr-3656	62	40	the	the	DET
fsr-3656	62	41	first	first	ADJ
fsr-3656	62	42	six	six	NUM
fsr-3656	62	43	months	month	NOUN
fsr-3656	62	44	of	of	ADP
fsr-3656	62	45	disability	disability	NOUN
fsr-3656	62	46	.	.	PUNCT
fsr-3656	63	1	private	private	ADJ
fsr-3656	63	2	and	and	CCONJ
fsr-3656	63	3	governmental	governmental	ADJ
fsr-3656	63	4	group	group	NOUN
fsr-3656	63	5	plans	plan	NOUN
fsr-3656	63	6	provide	provide	VERB
fsr-3656	63	7	93	93	NUM
fsr-3656	63	8	percent	percent	NOUN
fsr-3656	63	9	of	of	ADP
fsr-3656	63	10	std	std	NOUN
fsr-3656	63	11	coverage	coverage	NOUN
fsr-3656	63	12	for	for	ADP
fsr-3656	63	13	the	the	DET
fsr-3656	63	14	non	non	ADJ
fsr-3656	63	15	-	-	ADJ
fsr-3656	63	16	occupationally	occupationally	ADV
fsr-3656	63	17	disabled	disabled	ADJ
fsr-3656	63	18	,	,	PUNCT
fsr-3656	63	19	while	while	SCONJ
fsr-3656	63	20	private	private	ADJ
fsr-3656	63	21	individual	individual	ADJ
fsr-3656	63	22	plans	plan	NOUN
fsr-3656	63	23	account	account	VERB
fsr-3656	63	24	for	for	ADP
fsr-3656	63	25	only	only	ADV
fsr-3656	63	26	7	7	NUM
fsr-3656	63	27	percent	percent	NOUN
fsr-3656	63	28	(	(	PUNCT
fsr-3656	63	29	price	price	NOUN
fsr-3656	63	30	,	,	PUNCT
fsr-3656	63	31	1986	1986	NUM
fsr-3656	63	32	)	)	PUNCT
fsr-3656	63	33	.	.	PUNCT
fsr-3656	64	1	when	when	SCONJ
fsr-3656	64	2	studying	study	VERB
fsr-3656	64	3	either	either	CCONJ
fsr-3656	64	4	individual	individual	ADJ
fsr-3656	64	5	behavior	behavior	NOUN
fsr-3656	64	6	or	or	CCONJ
fsr-3656	64	7	disability	disability	NOUN
fsr-3656	64	8	markets	market	NOUN
fsr-3656	64	9	,	,	PUNCT
fsr-3656	64	10	the	the	DET
fsr-3656	64	11	researcher	researcher	NOUN
fsr-3656	64	12	should	should	AUX
fsr-3656	64	13	have	have	VERB
fsr-3656	64	14	a	a	DET
fsr-3656	64	15	working	work	VERB
fsr-3656	64	16	knowledge	knowledge	NOUN
fsr-3656	64	17	of	of	ADP
fsr-3656	64	18	the	the	DET
fsr-3656	64	19	sources	source	NOUN
fsr-3656	64	20	and	and	CCONJ
fsr-3656	64	21	extent	extent	NOUN
fsr-3656	64	22	of	of	ADP
fsr-3656	64	23	std	std	NOUN
fsr-3656	64	24	benefits	benefit	NOUN
fsr-3656	64	25	that	that	PRON
fsr-3656	64	26	may	may	AUX
fsr-3656	64	27	accrue	accrue	VERB
fsr-3656	64	28	to	to	ADP
fsr-3656	64	29	individuals	individual	NOUN
fsr-3656	64	30	before	before	SCONJ
fsr-3656	64	31	the	the	DET
fsr-3656	64	32	need	need	NOUN
fsr-3656	64	33	for	for	ADP
fsr-3656	64	34	ltd	ltd	PROPN
fsr-3656	64	35	income	income	NOUN
fsr-3656	64	36	arises	arise	VERB
fsr-3656	64	37	.	.	PUNCT
fsr-3656	65	1	a	a	DET
fsr-3656	65	2	discussion	discussion	NOUN
fsr-3656	65	3	of	of	ADP
fsr-3656	65	4	std	std	NOUN
fsr-3656	65	5	income	income	NOUN
fsr-3656	65	6	protection	protection	NOUN
fsr-3656	65	7	plans	plan	NOUN
fsr-3656	65	8	follows	follow	VERB
fsr-3656	65	9	.	.	PUNCT
fsr-3656	66	1	social	social	ADJ
fsr-3656	66	2	security	security	NOUN
fsr-3656	66	3	.	.	PUNCT
fsr-3656	67	1	in	in	ADP
fsr-3656	67	2	the	the	DET
fsr-3656	67	3	u.s	u.s	PROPN
fsr-3656	67	4	.	.	PROPN
fsr-3656	67	5	,	,	PUNCT
fsr-3656	67	6	the	the	DET
fsr-3656	67	7	old	old	ADJ
fsr-3656	67	8	-	-	PUNCT
fsr-3656	67	9	age	age	NOUN
fsr-3656	67	10	,	,	PUNCT
fsr-3656	67	11	survivors	survivor	NOUN
fsr-3656	67	12	and	and	CCONJ
fsr-3656	67	13	disability	disability	NOUN
fsr-3656	67	14	insurance	insurance	NOUN
fsr-3656	67	15	(	(	PUNCT
fsr-3656	67	16	oasdi	oasdi	NOUN
fsr-3656	67	17	)	)	PUNCT
fsr-3656	67	18	program	program	NOUN
fsr-3656	67	19	,	,	PUNCT
fsr-3656	67	20	popularly	popularly	ADV
fsr-3656	67	21	referenced	reference	VERB
fsr-3656	67	22	as	as	ADP
fsr-3656	67	23	social	social	ADJ
fsr-3656	67	24	security	security	NOUN
fsr-3656	67	25	,	,	PUNCT
fsr-3656	67	26	provides	provide	VERB
fsr-3656	67	27	substantial	substantial	ADJ
fsr-3656	67	28	disability	disability	NOUN
fsr-3656	67	29	income	income	NOUN
fsr-3656	67	30	benefits	benefit	NOUN
fsr-3656	67	31	to	to	ADP
fsr-3656	67	32	eligible	eligible	ADJ
fsr-3656	67	33	individuals	individual	NOUN
fsr-3656	67	34	.	.	PUNCT
fsr-3656	68	1	the	the	DET
fsr-3656	68	2	basic	basic	ADJ
fsr-3656	68	3	definition	definition	NOUN
fsr-3656	68	4	of	of	ADP
fsr-3656	68	5	disability	disability	NOUN
fsr-3656	68	6	requires	require	VERB
fsr-3656	68	7	that	that	SCONJ
fsr-3656	68	8	the	the	DET
fsr-3656	68	9	earner	earner	NOUN
fsr-3656	68	10	be	be	AUX
fsr-3656	68	11	unable	unable	ADJ
fsr-3656	68	12	to	to	PART
fsr-3656	68	13	perform	perform	VERB
fsr-3656	68	14	any	any	DET
fsr-3656	68	15	substantial	substantial	ADJ
fsr-3656	68	16	gainful	gainful	ADJ
fsr-3656	68	17	activity	activity	NOUN
fsr-3656	68	18	that	that	PRON
fsr-3656	68	19	exists	exist	VERB
fsr-3656	68	20	in	in	ADP
fsr-3656	68	21	the	the	DET
fsr-3656	68	22	national	national	ADJ
fsr-3656	68	23	economy	economy	NOUN
fsr-3656	68	24	.	.	PUNCT
fsr-3656	69	1	substantial	substantial	ADJ
fsr-3656	69	2	gainful	gainful	ADJ
fsr-3656	69	3	activity	activity	NOUN
fsr-3656	69	4	now	now	ADV
fsr-3656	69	5	is	be	AUX
fsr-3656	69	6	defined	define	VERB
fsr-3656	69	7	as	as	ADP
fsr-3656	69	8	an	an	DET
fsr-3656	69	9	activity	activity	NOUN
fsr-3656	69	10	generating	generate	VERB
fsr-3656	69	11	more	more	ADJ
fsr-3656	69	12	than	than	ADP
fsr-3656	69	13	$	$	SYM
fsr-3656	69	14	300	300	NUM
fsr-3656	69	15	per	per	ADP
fsr-3656	69	16	month	month	NOUN
fsr-3656	69	17	(	(	PUNCT
fsr-3656	69	18	schwartz	schwartz	PROPN
fsr-3656	69	19	and	and	CCONJ
fsr-3656	69	20	grundmann	grundmann	PROPN
fsr-3656	69	21	,	,	PUNCT
fsr-3656	69	22	1989	1989	NUM
fsr-3656	69	23	)	)	PUNCT
fsr-3656	69	24	.	.	PUNCT
fsr-3656	70	1	the	the	DET
fsr-3656	70	2	disability	disability	NOUN
fsr-3656	70	3	generally	generally	ADV
fsr-3656	70	4	must	must	AUX
fsr-3656	70	5	be	be	AUX
fsr-3656	70	6	expected	expect	VERB
fsr-3656	70	7	either	either	CCONJ
fsr-3656	70	8	to	to	PART
fsr-3656	70	9	result	result	VERB
fsr-3656	70	10	in	in	ADP
fsr-3656	70	11	death	death	NOUN
fsr-3656	70	12	or	or	CCONJ
fsr-3656	70	13	to	to	PART
fsr-3656	70	14	last	last	VERB
fsr-3656	70	15	for	for	ADP
fsr-3656	70	16	a	a	DET
fsr-3656	70	17	continuous	continuous	ADJ
fsr-3656	70	18	period	period	NOUN
fsr-3656	70	19	of	of	ADP
fsr-3656	70	20	not	not	PART
fsr-3656	70	21	less	less	ADJ
fsr-3656	70	22	than	than	ADP
fsr-3656	70	23	12	12	NUM
fsr-3656	70	24	months	month	NOUN
fsr-3656	70	25	.	.	PUNCT
fsr-3656	71	1	if	if	SCONJ
fsr-3656	71	2	the	the	DET
fsr-3656	71	3	disabled	disabled	ADJ
fsr-3656	71	4	earner	earner	NOUN
fsr-3656	71	5	meets	meet	VERB
fsr-3656	71	6	both	both	DET
fsr-3656	71	7	oasdi	oasdi	NOUN
fsr-3656	71	8	eligibility	eligibility	NOUN
fsr-3656	71	9	requirements	requirement	NOUN
fsr-3656	71	10	and	and	CCONJ
fsr-3656	71	11	the	the	DET
fsr-3656	71	12	oasdi	oasdi	NOUN
fsr-3656	71	13	definition	definition	NOUN
fsr-3656	71	14	of	of	ADP
fsr-3656	71	15	disability	disability	NOUN
fsr-3656	71	16	,	,	PUNCT
fsr-3656	71	17	benefit	benefit	NOUN
fsr-3656	71	18	payments	payment	NOUN
fsr-3656	71	19	may	may	AUX
fsr-3656	71	20	commence	commence	VERB
fsr-3656	71	21	,	,	PUNCT
fsr-3656	71	22	but	but	CCONJ
fsr-3656	71	23	only	only	ADV
fsr-3656	71	24	after	after	ADP
fsr-3656	71	25	a	a	DET
fsr-3656	71	26	five	five	NUM
fsr-3656	71	27	-	-	PUNCT
fsr-3656	71	28	month	month	NOUN
fsr-3656	71	29	elimination	elimination	NOUN
fsr-3656	71	30	period	period	NOUN
fsr-3656	71	31	.	.	PUNCT
fsr-3656	72	1	disability	disability	NOUN
fsr-3656	72	2	benefits	benefit	NOUN
fsr-3656	72	3	are	be	AUX
fsr-3656	72	4	determined	determine	VERB
fsr-3656	72	5	as	as	SCONJ
fsr-3656	72	6	if	if	SCONJ
fsr-3656	72	7	the	the	DET
fsr-3656	72	8	worker	worker	NOUN
fsr-3656	72	9	had	have	AUX
fsr-3656	72	10	reached	reach	VERB
fsr-3656	72	11	normal	normal	ADJ
fsr-3656	72	12	retirement	retirement	NOUN
fsr-3656	72	13	age	age	NOUN
fsr-3656	72	14	and	and	CCONJ
fsr-3656	72	15	were	be	AUX
fsr-3656	72	16	eligible	eligible	ADJ
fsr-3656	72	17	for	for	ADP
fsr-3656	72	18	retirement	retirement	NOUN
fsr-3656	72	19	benefits	benefit	NOUN
fsr-3656	72	20	,	,	PUNCT
fsr-3656	72	21	although	although	SCONJ
fsr-3656	72	22	the	the	DET
fsr-3656	72	23	benefit	benefit	NOUN
fsr-3656	72	24	formula	formula	NOUN
fsr-3656	72	25	differs	differ	VERB
fsr-3656	72	26	somewhat	somewhat	ADV
fsr-3656	72	27	from	from	ADP
fsr-3656	72	28	that	that	PRON
fsr-3656	72	29	used	use	VERB
fsr-3656	72	30	to	to	PART
fsr-3656	72	31	calculate	calculate	VERB
fsr-3656	72	32	retirement	retirement	NOUN
fsr-3656	72	33	benefits	benefit	NOUN
fsr-3656	72	34	.	.	PUNCT
fsr-3656	73	1	workers	worker	NOUN
fsr-3656	73	2	’	'	PUNCT
fsr-3656	73	3	compensation	compensation	NOUN
fsr-3656	73	4	benefits	benefit	NOUN
fsr-3656	73	5	may	may	AUX
fsr-3656	73	6	be	be	AUX
fsr-3656	73	7	fully	fully	ADV
fsr-3656	73	8	or	or	CCONJ
fsr-3656	73	9	partially	partially	ADV
fsr-3656	73	10	offset	offset	VERB
fsr-3656	73	11	against	against	ADP
fsr-3656	73	12	the	the	DET
fsr-3656	73	13	estimated	estimate	VERB
fsr-3656	73	14	oasdi	oasdi	NOUN
fsr-3656	73	15	payment	payment	NOUN
fsr-3656	73	16	if	if	SCONJ
fsr-3656	73	17	the	the	DET
fsr-3656	73	18	total	total	NOUN
fsr-3656	73	19	from	from	ADP
fsr-3656	73	20	both	both	DET
fsr-3656	73	21	plans	plan	NOUN
fsr-3656	73	22	exceeds	exceed	VERB
fsr-3656	73	23	80	80	NUM
fsr-3656	73	24	percent	percent	NOUN
fsr-3656	73	25	of	of	ADP
fsr-3656	73	26	the	the	DET
fsr-3656	73	27	earner	earner	NOUN
fsr-3656	73	28	’s	’s	PART
fsr-3656	73	29	average	average	ADJ
fsr-3656	73	30	earnings	earning	NOUN
fsr-3656	73	31	prior	prior	ADV
fsr-3656	73	32	to	to	ADP
fsr-3656	73	33	the	the	DET
fsr-3656	73	34	disability	disability	NOUN
fsr-3656	73	35	occurrence	occurrence	NOUN
fsr-3656	73	36	.	.	PUNCT
fsr-3656	74	1	considering	consider	VERB
fsr-3656	74	2	the	the	DET
fsr-3656	74	3	lengthy	lengthy	ADJ
fsr-3656	74	4	waiting	waiting	NOUN
fsr-3656	74	5	period	period	NOUN
fsr-3656	74	6	and	and	CCONJ
fsr-3656	74	7	the	the	DET
fsr-3656	74	8	required	require	VERB
fsr-3656	74	9	disablement	disablement	NOUN
fsr-3656	74	10	expectation	expectation	NOUN
fsr-3656	74	11	of	of	ADP
fsr-3656	74	12	one	one	NUM
fsr-3656	74	13	year	year	NOUN
fsr-3656	74	14	,	,	PUNCT
fsr-3656	74	15	oasdi	oasdi	NOUN
fsr-3656	74	16	does	do	AUX
fsr-3656	74	17	not	not	PART
fsr-3656	74	18	serve	serve	VERB
fsr-3656	74	19	as	as	ADP
fsr-3656	74	20	a	a	DET
fsr-3656	74	21	substantial	substantial	ADJ
fsr-3656	74	22	source	source	NOUN
fsr-3656	74	23	of	of	ADP
fsr-3656	74	24	std	std	NOUN
fsr-3656	74	25	protection	protection	NOUN
fsr-3656	74	26	for	for	ADP
fsr-3656	74	27	the	the	DET
fsr-3656	74	28	individual	individual	NOUN
fsr-3656	74	29	.	.	PUNCT
fsr-3656	75	1	workers	worker	NOUN
fsr-3656	75	2	’	'	PUNCT
fsr-3656	75	3	compensation	compensation	NOUN
fsr-3656	75	4	.	.	PUNCT
fsr-3656	76	1	the	the	DET
fsr-3656	76	2	purpose	purpose	NOUN
fsr-3656	76	3	of	of	ADP
fsr-3656	76	4	workers	worker	NOUN
fsr-3656	76	5	’	’	PART
fsr-3656	76	6	compensation	compensation	NOUN
fsr-3656	76	7	laws	law	NOUN
fsr-3656	76	8	,	,	PUNCT
fsr-3656	76	9	effective	effective	ADJ
fsr-3656	76	10	in	in	ADP
fsr-3656	76	11	all	all	DET
fsr-3656	76	12	50	50	NUM
fsr-3656	76	13	states	state	NOUN
fsr-3656	76	14	,	,	PUNCT
fsr-3656	76	15	is	be	AUX
fsr-3656	76	16	to	to	PART
fsr-3656	76	17	bypass	bypass	VERB
fsr-3656	76	18	common	common	ADJ
fsr-3656	76	19	law	law	NOUN
fsr-3656	76	20	pertaining	pertain	VERB
fsr-3656	76	21	to	to	ADP
fsr-3656	76	22	negligence	negligence	NOUN
fsr-3656	76	23	torts	tort	NOUN
fsr-3656	76	24	when	when	SCONJ
fsr-3656	76	25	a	a	DET
fsr-3656	76	26	worker	worker	NOUN
fsr-3656	76	27	suffers	suffer	VERB
fsr-3656	76	28	an	an	DET
fsr-3656	76	29	occupationally	occupationally	ADV
fsr-3656	76	30	related	relate	VERB
fsr-3656	76	31	injury	injury	NOUN
fsr-3656	76	32	or	or	CCONJ
fsr-3656	76	33	sickness	sickness	NOUN
fsr-3656	76	34	.	.	PUNCT
fsr-3656	77	1	instead	instead	ADV
fsr-3656	77	2	of	of	ADP
fsr-3656	77	3	suing	sue	VERB
fsr-3656	77	4	his	his	PRON
fsr-3656	77	5	or	or	CCONJ
fsr-3656	77	6	her	her	PRON
fsr-3656	77	7	employer	employer	NOUN
fsr-3656	77	8	,	,	PUNCT
fsr-3656	77	9	the	the	DET
fsr-3656	77	10	worker	worker	NOUN
fsr-3656	77	11	merely	merely	ADV
fsr-3656	77	12	files	file	VERB
fsr-3656	77	13	a	a	DET
fsr-3656	77	14	workers’compensation	workers’compensation	NOUN
fsr-3656	77	15	claim	claim	NOUN
fsr-3656	77	16	and	and	CCONJ
fsr-3656	77	17	,	,	PUNCT
fsr-3656	77	18	upon	upon	SCONJ
fsr-3656	77	19	approval	approval	NOUN
fsr-3656	77	20	,	,	PUNCT
fsr-3656	77	21	the	the	DET
fsr-3656	77	22	employer	employer	NOUN
fsr-3656	77	23	or	or	CCONJ
fsr-3656	77	24	its	its	PRON
fsr-3656	77	25	insurer	insurer	NOUN
fsr-3656	77	26	must	must	AUX
fsr-3656	77	27	pay	pay	VERB
fsr-3656	77	28	state	state	NOUN
fsr-3656	77	29	-	-	PUNCT
fsr-3656	77	30	mandated	mandate	VERB
fsr-3656	77	31	disability	disability	NOUN
fsr-3656	77	32	income	income	NOUN
fsr-3656	77	33	benefits	benefit	NOUN
fsr-3656	77	34	,	,	PUNCT
fsr-3656	77	35	medical	medical	ADJ
fsr-3656	77	36	care	care	NOUN
fsr-3656	77	37	expenses	expense	NOUN
fsr-3656	77	38	,	,	PUNCT
fsr-3656	77	39	and	and	CCONJ
fsr-3656	77	40	death	death	NOUN
fsr-3656	77	41	benefits	benefit	NOUN
fsr-3656	77	42	.	.	PUNCT
fsr-3656	78	1	in	in	ADP
fsr-3656	78	2	turn	turn	NOUN
fsr-3656	78	3	,	,	PUNCT
fsr-3656	78	4	the	the	DET
fsr-3656	78	5	worker	worker	NOUN
fsr-3656	78	6	’s	’s	PART
fsr-3656	78	7	ability	ability	NOUN
fsr-3656	78	8	to	to	PART
fsr-3656	78	9	sue	sue	VERB
fsr-3656	78	10	for	for	ADP
fsr-3656	78	11	negligence	negligence	NOUN
fsr-3656	78	12	is	be	AUX
fsr-3656	78	13	legally	legally	ADV
fsr-3656	78	14	limited	limit	VERB
fsr-3656	78	15	,	,	PUNCT
fsr-3656	78	16	as	as	SCONJ
fsr-3656	78	17	are	be	AUX
fsr-3656	78	18	the	the	DET
fsr-3656	78	19	maximum	maximum	ADJ
fsr-3656	78	20	benefits	benefit	NOUN
fsr-3656	78	21	payable	payable	ADJ
fsr-3656	78	22	for	for	ADP
fsr-3656	78	23	disability	disability	NOUN
fsr-3656	78	24	income	income	NOUN
fsr-3656	78	25	or	or	CCONJ
fsr-3656	78	26	death	death	NOUN
fsr-3656	78	27	.	.	PUNCT
fsr-3656	79	1	66	66	NUM
fsr-3656	79	2	financial	financial	ADJ
fsr-3656	79	3	services	service	NOUN
fsr-3656	79	4	review	review	NOUN
fsr-3656	79	5	,	,	PUNCT
fsr-3656	79	6	l(1	l(1	PROPN
fsr-3656	79	7	)	)	PUNCT
fsr-3656	79	8	1991	1991	NUM
fsr-3656	79	9	in	in	ADP
fsr-3656	79	10	1987	1987	NUM
fsr-3656	79	11	,	,	PUNCT
fsr-3656	79	12	87	87	NUM
fsr-3656	79	13	percent	percent	NOUN
fsr-3656	79	14	of	of	ADP
fsr-3656	79	15	the	the	DET
fsr-3656	79	16	u.s	u.s	PROPN
fsr-3656	79	17	.	.	PROPN
fsr-3656	79	18	labor	labor	NOUN
fsr-3656	79	19	force	force	NOUN
fsr-3656	79	20	was	be	AUX
fsr-3656	79	21	covered	cover	VERB
fsr-3656	79	22	under	under	ADP
fsr-3656	79	23	workers	worker	NOUN
fsr-3656	79	24	’	’	PART
fsr-3656	79	25	compensation	compensation	NOUN
fsr-3656	79	26	laws	law	NOUN
fsr-3656	79	27	(	(	PUNCT
fsr-3656	79	28	nelson	nelson	PROPN
fsr-3656	79	29	,	,	PUNCT
fsr-3656	79	30	1989	1989	NUM
fsr-3656	79	31	)	)	PUNCT
fsr-3656	79	32	.	.	PUNCT
fsr-3656	80	1	most	most	ADJ
fsr-3656	80	2	states	state	NOUN
fsr-3656	80	3	require	require	VERB
fsr-3656	80	4	that	that	SCONJ
fsr-3656	80	5	the	the	DET
fsr-3656	80	6	disabled	disabled	ADJ
fsr-3656	80	7	earner	earner	NOUN
fsr-3656	80	8	receive	receive	VERB
fsr-3656	80	9	two	two	NUM
fsr-3656	80	10	thirds	third	NOUN
fsr-3656	80	11	of	of	ADP
fsr-3656	80	12	his	his	PRON
fsr-3656	80	13	or	or	CCONJ
fsr-3656	80	14	her	her	PRON
fsr-3656	80	15	weekly	weekly	ADJ
fsr-3656	80	16	earnings	earning	NOUN
fsr-3656	80	17	up	up	ADP
fsr-3656	80	18	to	to	ADP
fsr-3656	80	19	a	a	DET
fsr-3656	80	20	maximum	maximum	ADJ
fsr-3656	80	21	limit	limit	NOUN
fsr-3656	80	22	.	.	PUNCT
fsr-3656	81	1	the	the	DET
fsr-3656	81	2	maximum	maximum	ADJ
fsr-3656	81	3	weekly	weekly	ADJ
fsr-3656	81	4	benefit	benefit	NOUN
fsr-3656	81	5	ranged	range	VERB
fsr-3656	81	6	from	from	ADP
fsr-3656	81	7	$	$	SYM
fsr-3656	81	8	175	175	NUM
fsr-3656	81	9	in	in	ADP
fsr-3656	81	10	georgia	georgia	PROPN
fsr-3656	81	11	to	to	ADP
fsr-3656	81	12	$	$	SYM
fsr-3656	81	13	1,094	1,094	NUM
fsr-3656	81	14	in	in	ADP
fsr-3656	81	15	alaska	alaska	PROPN
fsr-3656	81	16	in	in	ADP
fsr-3656	81	17	mid-1988	mid-1988	PROPN
fsr-3656	81	18	.	.	PUNCT
fsr-3656	82	1	typical	typical	ADJ
fsr-3656	82	2	elimination	elimination	NOUN
fsr-3656	82	3	periods	period	NOUN
fsr-3656	82	4	are	be	AUX
fsr-3656	82	5	three	three	NUM
fsr-3656	82	6	to	to	PART
fsr-3656	82	7	seven	seven	NUM
fsr-3656	82	8	days	day	NOUN
fsr-3656	82	9	for	for	ADP
fsr-3656	82	10	disability	disability	NOUN
fsr-3656	82	11	income	income	NOUN
fsr-3656	82	12	benefits	benefit	NOUN
fsr-3656	82	13	,	,	PUNCT
fsr-3656	82	14	although	although	SCONJ
fsr-3656	82	15	these	these	DET
fsr-3656	82	16	periods	period	NOUN
fsr-3656	82	17	usually	usually	ADV
fsr-3656	82	18	are	be	AUX
fsr-3656	82	19	covered	cover	VERB
fsr-3656	82	20	on	on	ADP
fsr-3656	82	21	a	a	DET
fsr-3656	82	22	retroactive	retroactive	ADJ
fsr-3656	82	23	basis	basis	NOUN
fsr-3656	82	24	if	if	SCONJ
fsr-3656	82	25	the	the	DET
fsr-3656	82	26	disability	disability	NOUN
fsr-3656	82	27	continues	continue	VERB
fsr-3656	82	28	for	for	ADP
fsr-3656	82	29	a	a	DET
fsr-3656	82	30	minimum	minimum	NOUN
fsr-3656	82	31	,	,	PUNCT
fsr-3656	82	32	specified	specify	VERB
fsr-3656	82	33	period	period	NOUN
fsr-3656	82	34	of	of	ADP
fsr-3656	82	35	time	time	NOUN
fsr-3656	82	36	,	,	PUNCT
fsr-3656	82	37	generally	generally	ADV
fsr-3656	82	38	from	from	ADP
fsr-3656	82	39	one	one	NUM
fsr-3656	82	40	to	to	PART
fsr-3656	82	41	six	six	NUM
fsr-3656	82	42	weeks	week	NOUN
fsr-3656	82	43	.	.	PUNCT
fsr-3656	83	1	the	the	DET
fsr-3656	83	2	providers	provider	NOUN
fsr-3656	83	3	of	of	ADP
fsr-3656	83	4	workers	worker	NOUN
fsr-3656	83	5	’	'	PUNCT
fsr-3656	83	6	compensation	compensation	NOUN
fsr-3656	83	7	benefits	benefit	NOUN
fsr-3656	83	8	include	include	VERB
fsr-3656	83	9	private	private	ADJ
fsr-3656	83	10	insurers	insurer	NOUN
fsr-3656	83	11	,	,	PUNCT
fsr-3656	83	12	employer	employer	NOUN
fsr-3656	83	13	self	self	NOUN
fsr-3656	83	14	-	-	PUNCT
fsr-3656	83	15	insurance	insurance	NOUN
fsr-3656	83	16	plans	plan	NOUN
fsr-3656	83	17	,	,	PUNCT
fsr-3656	83	18	and	and	CCONJ
fsr-3656	83	19	state	state	NOUN
fsr-3656	83	20	-	-	PUNCT
fsr-3656	83	21	run	run	VERB
fsr-3656	83	22	insurance	insurance	NOUN
fsr-3656	83	23	funds	fund	NOUN
fsr-3656	83	24	.	.	PUNCT
fsr-3656	84	1	four	four	NUM
fsr-3656	84	2	states	state	NOUN
fsr-3656	84	3	require	require	VERB
fsr-3656	84	4	exclusive	exclusive	ADJ
fsr-3656	84	5	use	use	NOUN
fsr-3656	84	6	of	of	ADP
fsr-3656	84	7	the	the	DET
fsr-3656	84	8	state	state	NOUN
fsr-3656	84	9	insurance	insurance	NOUN
fsr-3656	84	10	fund	fund	NOUN
fsr-3656	84	11	,	,	PUNCT
fsr-3656	84	12	while	while	SCONJ
fsr-3656	84	13	four	four	NUM
fsr-3656	84	14	others	other	NOUN
fsr-3656	84	15	require	require	VERB
fsr-3656	84	16	use	use	NOUN
fsr-3656	84	17	of	of	ADP
fsr-3656	84	18	either	either	CCONJ
fsr-3656	84	19	the	the	DET
fsr-3656	84	20	state	state	NOUN
fsr-3656	84	21	fund	fund	NOUN
fsr-3656	84	22	or	or	CCONJ
fsr-3656	84	23	self	self	NOUN
fsr-3656	84	24	-	-	PUNCT
fsr-3656	84	25	insurance	insurance	NOUN
fsr-3656	84	26	.	.	PUNCT
fsr-3656	85	1	the	the	DET
fsr-3656	85	2	remaining	remain	VERB
fsr-3656	85	3	states	state	NOUN
fsr-3656	85	4	allow	allow	VERB
fsr-3656	85	5	use	use	NOUN
fsr-3656	85	6	of	of	ADP
fsr-3656	85	7	private	private	ADJ
fsr-3656	85	8	insurance	insurance	NOUN
fsr-3656	85	9	as	as	ADP
fsr-3656	85	10	an	an	DET
fsr-3656	85	11	alternative	alternative	NOUN
fsr-3656	85	12	to	to	ADP
fsr-3656	85	13	either	either	CCONJ
fsr-3656	85	14	the	the	DET
fsr-3656	85	15	state	state	NOUN
fsr-3656	85	16	plan	plan	NOUN
fsr-3656	85	17	,	,	PUNCT
fsr-3656	85	18	if	if	SCONJ
fsr-3656	85	19	one	one	PRON
fsr-3656	85	20	exists	exist	VERB
fsr-3656	85	21	,	,	PUNCT
fsr-3656	85	22	or	or	CCONJ
fsr-3656	85	23	self	self	NOUN
fsr-3656	85	24	insurance	insurance	NOUN
fsr-3656	85	25	.	.	PUNCT
fsr-3656	86	1	nelson	nelson	PROPN
fsr-3656	86	2	(	(	PUNCT
fsr-3656	86	3	1988a	1988a	NUM
fsr-3656	86	4	)	)	PUNCT
fsr-3656	86	5	estimates	estimate	VERB
fsr-3656	86	6	that	that	SCONJ
fsr-3656	86	7	private	private	ADJ
fsr-3656	86	8	insurers	insurer	NOUN
fsr-3656	86	9	provide	provide	VERB
fsr-3656	86	10	approximately	approximately	ADV
fsr-3656	86	11	59	59	NUM
fsr-3656	86	12	percent	percent	NOUN
fsr-3656	86	13	of	of	ADP
fsr-3656	86	14	workers	worker	NOUN
fsr-3656	86	15	’	'	PUNCT
fsr-3656	86	16	compensation	compensation	NOUN
fsr-3656	86	17	benefits	benefit	NOUN
fsr-3656	86	18	in	in	ADP
fsr-3656	86	19	the	the	DET
fsr-3656	86	20	u.s	u.s	PROPN
fsr-3656	86	21	.	.	PROPN
fsr-3656	86	22	,	,	PUNCT
fsr-3656	86	23	while	while	SCONJ
fsr-3656	86	24	state	state	NOUN
fsr-3656	86	25	and	and	CCONJ
fsr-3656	86	26	self	self	NOUN
fsr-3656	86	27	insurance	insurance	NOUN
fsr-3656	86	28	funds	fund	NOUN
fsr-3656	86	29	supply	supply	VERB
fsr-3656	86	30	slightly	slightly	ADV
fsr-3656	86	31	over	over	ADP
fsr-3656	86	32	20	20	NUM
fsr-3656	86	33	percent	percent	NOUN
fsr-3656	86	34	each	each	PRON
fsr-3656	86	35	.	.	PUNCT
fsr-3656	87	1	state	state	NOUN
fsr-3656	87	2	-	-	PUNCT
fsr-3656	87	3	mandated	mandate	VERB
fsr-3656	87	4	temporary	temporary	ADJ
fsr-3656	87	5	disability	disability	NOUN
fsr-3656	87	6	plans	plan	NOUN
fsr-3656	87	7	.	.	PUNCT
fsr-3656	88	1	california	california	PROPN
fsr-3656	88	2	,	,	PUNCT
fsr-3656	88	3	hawaii	hawaii	PROPN
fsr-3656	88	4	,	,	PUNCT
fsr-3656	88	5	new	new	PROPN
fsr-3656	88	6	jersey	jersey	PROPN
fsr-3656	88	7	,	,	PUNCT
fsr-3656	88	8	new	new	PROPN
fsr-3656	88	9	york	york	PROPN
fsr-3656	88	10	,	,	PUNCT
fsr-3656	88	11	rhode	rhode	PROPN
fsr-3656	88	12	island	island	NOUN
fsr-3656	88	13	,	,	PUNCT
fsr-3656	88	14	and	and	CCONJ
fsr-3656	88	15	puerto	puerto	PROPN
fsr-3656	88	16	rico	rico	PROPN
fsr-3656	88	17	require	require	VERB
fsr-3656	88	18	temporary	temporary	ADJ
fsr-3656	88	19	disability	disability	NOUN
fsr-3656	88	20	insurance	insurance	NOUN
fsr-3656	88	21	(	(	PUNCT
fsr-3656	88	22	tdi	tdi	PROPN
fsr-3656	88	23	)	)	PUNCT
fsr-3656	88	24	,	,	PUNCT
fsr-3656	88	25	or	or	CCONJ
fsr-3656	88	26	cash	cash	NOUN
fsr-3656	88	27	sickness	sickness	NOUN
fsr-3656	88	28	,	,	PUNCT
fsr-3656	88	29	plans	plan	NOUN
fsr-3656	88	30	for	for	ADP
fsr-3656	88	31	most	most	ADJ
fsr-3656	88	32	earners	earner	NOUN
fsr-3656	88	33	.	.	PUNCT
fsr-3656	89	1	the	the	DET
fsr-3656	89	2	plans	plan	NOUN
fsr-3656	89	3	are	be	AUX
fsr-3656	89	4	intended	intend	VERB
fsr-3656	89	5	to	to	PART
fsr-3656	89	6	partially	partially	ADV
fsr-3656	89	7	compensate	compensate	VERB
fsr-3656	89	8	earners	earner	NOUN
fsr-3656	89	9	for	for	ADP
fsr-3656	89	10	income	income	NOUN
fsr-3656	89	11	losses	loss	NOUN
fsr-3656	89	12	caused	cause	VERB
fsr-3656	89	13	by	by	ADP
fsr-3656	89	14	either	either	CCONJ
fsr-3656	89	15	non	non	ADJ
fsr-3656	89	16	occupational	occupational	ADJ
fsr-3656	89	17	disability	disability	NOUN
fsr-3656	89	18	or	or	CCONJ
fsr-3656	89	19	maternity	maternity	NOUN
fsr-3656	89	20	.	.	PUNCT
fsr-3656	90	1	although	although	SCONJ
fsr-3656	90	2	tdi	tdi	PROPN
fsr-3656	90	3	is	be	AUX
fsr-3656	90	4	mandated	mandate	VERB
fsr-3656	90	5	only	only	ADV
fsr-3656	90	6	in	in	ADP
fsr-3656	90	7	the	the	DET
fsr-3656	90	8	six	six	NUM
fsr-3656	90	9	jurisdictions	jurisdiction	NOUN
fsr-3656	90	10	,	,	PUNCT
fsr-3656	90	11	approximately	approximately	ADV
fsr-3656	90	12	one	one	NUM
fsr-3656	90	13	fourth	fourth	ADJ
fsr-3656	90	14	of	of	ADP
fsr-3656	90	15	the	the	DET
fsr-3656	90	16	u.s	u.s	PROPN
fsr-3656	90	17	.	.	PROPN
fsr-3656	90	18	commercial	commercial	ADJ
fsr-3656	90	19	and	and	CCONJ
fsr-3656	90	20	industrial	industrial	ADJ
fsr-3656	90	21	labor	labor	NOUN
fsr-3656	90	22	force	force	NOUN
fsr-3656	90	23	is	be	AUX
fsr-3656	90	24	employed	employ	VERB
fsr-3656	90	25	in	in	ADP
fsr-3656	90	26	these	these	DET
fsr-3656	90	27	jurisdictions	jurisdiction	NOUN
fsr-3656	90	28	and	and	CCONJ
fsr-3656	90	29	,	,	PUNCT
fsr-3656	90	30	therefore	therefore	ADV
fsr-3656	90	31	,	,	PUNCT
fsr-3656	90	32	is	be	AUX
fsr-3656	90	33	covered	cover	VERB
fsr-3656	90	34	by	by	ADP
fsr-3656	90	35	a	a	DET
fsr-3656	90	36	compulsory	compulsory	ADJ
fsr-3656	90	37	tdi	tdi	PROPN
fsr-3656	90	38	plan	plan	NOUN
fsr-3656	90	39	(	(	PUNCT
fsr-3656	90	40	kerns	kerns	PROPN
fsr-3656	90	41	,	,	PUNCT
fsr-3656	90	42	1989	1989	NUM
fsr-3656	90	43	)	)	PUNCT
fsr-3656	90	44	.	.	PUNCT
fsr-3656	91	1	tdi	tdi	PROPN
fsr-3656	91	2	laws	law	NOUN
fsr-3656	91	3	generally	generally	ADV
fsr-3656	91	4	define	define	VERB
fsr-3656	91	5	disability	disability	NOUN
fsr-3656	91	6	as	as	ADP
fsr-3656	91	7	the	the	DET
fsr-3656	91	8	earner	earner	NOUN
fsr-3656	91	9	’s	’s	PART
fsr-3656	91	10	inability	inability	NOUN
fsr-3656	91	11	to	to	PART
fsr-3656	91	12	perform	perform	VERB
fsr-3656	91	13	his	his	PRON
fsr-3656	91	14	or	or	CCONJ
fsr-3656	91	15	her	her	PRON
fsr-3656	91	16	regular	regular	ADJ
fsr-3656	91	17	or	or	CCONJ
fsr-3656	91	18	customary	customary	ADJ
fsr-3656	91	19	work	work	NOUN
fsr-3656	91	20	,	,	PUNCT
fsr-3656	91	21	although	although	SCONJ
fsr-3656	91	22	new	new	PROPN
fsr-3656	91	23	jersey	jersey	PROPN
fsr-3656	91	24	and	and	CCONJ
fsr-3656	91	25	new	new	PROPN
fsr-3656	91	26	york	york	PROPN
fsr-3656	91	27	use	use	VERB
fsr-3656	91	28	a	a	DET
fsr-3656	91	29	somewhat	somewhat	ADV
fsr-3656	91	30	stricter	strict	ADJ
fsr-3656	91	31	definition	definition	NOUN
fsr-3656	91	32	.	.	PUNCT
fsr-3656	92	1	tdi	tdi	PROPN
fsr-3656	92	2	plans	plan	NOUN
fsr-3656	92	3	usually	usually	ADV
fsr-3656	92	4	provide	provide	VERB
fsr-3656	92	5	at	at	ADV
fsr-3656	92	6	least	least	ADJ
fsr-3656	92	7	half	half	NOUN
fsr-3656	92	8	of	of	ADP
fsr-3656	92	9	the	the	DET
fsr-3656	92	10	earner	earner	NOUN
fsr-3656	92	11	’s	’s	PART
fsr-3656	92	12	income	income	NOUN
fsr-3656	92	13	up	up	ADP
fsr-3656	92	14	to	to	ADP
fsr-3656	92	15	a	a	DET
fsr-3656	92	16	maximum	maximum	ADJ
fsr-3656	92	17	benefit	benefit	NOUN
fsr-3656	92	18	for	for	ADP
fsr-3656	92	19	a	a	DET
fsr-3656	92	20	limited	limited	ADJ
fsr-3656	92	21	period	period	NOUN
fsr-3656	92	22	of	of	ADP
fsr-3656	92	23	time	time	NOUN
fsr-3656	92	24	.	.	PUNCT
fsr-3656	93	1	in	in	ADP
fsr-3656	93	2	1988	1988	NUM
fsr-3656	93	3	,	,	PUNCT
fsr-3656	93	4	the	the	DET
fsr-3656	93	5	maximum	maximum	ADJ
fsr-3656	93	6	weekly	weekly	ADJ
fsr-3656	93	7	benefit	benefit	NOUN
fsr-3656	93	8	varied	varied	ADJ
fsr-3656	93	9	from	from	ADP
fsr-3656	93	10	$	$	SYM
fsr-3656	93	11	104	104	NUM
fsr-3656	93	12	in	in	ADP
fsr-3656	93	13	puerto	puerto	PROPN
fsr-3656	93	14	rico	rico	PROPN
fsr-3656	93	15	to	to	ADP
fsr-3656	93	16	$	$	SYM
fsr-3656	93	17	252	252	NUM
fsr-3656	93	18	in	in	ADP
fsr-3656	93	19	rhode	rhode	PROPN
fsr-3656	93	20	island	island	NOUN
fsr-3656	93	21	(	(	PUNCT
fsr-3656	93	22	kerns	kerns	PROPN
fsr-3656	93	23	,	,	PUNCT
fsr-3656	93	24	1989	1989	NUM
fsr-3656	93	25	)	)	PUNCT
fsr-3656	93	26	.	.	PUNCT
fsr-3656	94	1	benefit	benefit	NOUN
fsr-3656	94	2	duration	duration	NOUN
fsr-3656	94	3	ranged	range	VERB
fsr-3656	94	4	from	from	ADP
fsr-3656	94	5	26	26	NUM
fsr-3656	94	6	to	to	PART
fsr-3656	94	7	39	39	NUM
fsr-3656	94	8	weeks	week	NOUN
fsr-3656	94	9	,	,	PUNCT
fsr-3656	94	10	with	with	ADP
fsr-3656	94	11	waiting	waiting	NOUN
fsr-3656	94	12	periods	period	NOUN
fsr-3656	94	13	of	of	ADP
fsr-3656	94	14	between	between	ADP
fsr-3656	94	15	three	three	NUM
fsr-3656	94	16	and	and	CCONJ
fsr-3656	94	17	seven	seven	NUM
fsr-3656	94	18	days	day	NOUN
fsr-3656	94	19	.	.	PUNCT
fsr-3656	95	1	most	most	ADJ
fsr-3656	95	2	jurisdictions	jurisdiction	NOUN
fsr-3656	95	3	do	do	AUX
fsr-3656	95	4	not	not	PART
fsr-3656	95	5	require	require	VERB
fsr-3656	95	6	payment	payment	NOUN
fsr-3656	95	7	of	of	ADP
fsr-3656	95	8	tdi	tdi	PROPN
fsr-3656	95	9	benefits	benefit	NOUN
fsr-3656	95	10	if	if	SCONJ
fsr-3656	95	11	workers	worker	NOUN
fsr-3656	95	12	’	'	PUNCT
fsr-3656	95	13	compensation	compensation	NOUN
fsr-3656	95	14	benefits	benefit	NOUN
fsr-3656	95	15	are	be	AUX
fsr-3656	95	16	applicable	applicable	ADJ
fsr-3656	95	17	,	,	PUNCT
fsr-3656	95	18	although	although	SCONJ
fsr-3656	95	19	california	california	PROPN
fsr-3656	95	20	requires	require	VERB
fsr-3656	95	21	payment	payment	NOUN
fsr-3656	95	22	of	of	ADP
fsr-3656	95	23	tdi	tdi	PROPN
fsr-3656	95	24	benefits	benefit	NOUN
fsr-3656	95	25	to	to	ADP
fsr-3656	95	26	the	the	DET
fsr-3656	95	27	extent	extent	NOUN
fsr-3656	95	28	they	they	PRON
fsr-3656	95	29	exceed	exceed	VERB
fsr-3656	95	30	workers	worker	NOUN
fsr-3656	95	31	’	'	PUNCT
fsr-3656	95	32	compensation	compensation	NOUN
fsr-3656	95	33	payments	payment	NOUN
fsr-3656	95	34	.	.	PUNCT
fsr-3656	96	1	the	the	DET
fsr-3656	96	2	providers	provider	NOUN
fsr-3656	96	3	of	of	ADP
fsr-3656	96	4	tdi	tdi	PROPN
fsr-3656	96	5	benefits	benefit	NOUN
fsr-3656	96	6	encompass	encompass	VERB
fsr-3656	96	7	state	state	NOUN
fsr-3656	96	8	-	-	PUNCT
fsr-3656	96	9	run	run	NOUN
fsr-3656	96	10	plans	plan	NOUN
fsr-3656	96	11	,	,	PUNCT
fsr-3656	96	12	employer	employer	NOUN
fsr-3656	96	13	operated	operate	VERB
fsr-3656	96	14	self	self	NOUN
fsr-3656	96	15	-	-	PUNCT
fsr-3656	96	16	insurance	insurance	NOUN
fsr-3656	96	17	funds	fund	NOUN
fsr-3656	96	18	,	,	PUNCT
fsr-3656	96	19	private	private	ADJ
fsr-3656	96	20	insurers	insurer	NOUN
fsr-3656	96	21	,	,	PUNCT
fsr-3656	96	22	and	and	CCONJ
fsr-3656	96	23	fraternal	fraternal	ADJ
fsr-3656	96	24	funds	fund	NOUN
fsr-3656	96	25	.	.	PUNCT
fsr-3656	97	1	the	the	DET
fsr-3656	97	2	types	type	NOUN
fsr-3656	97	3	of	of	ADP
fsr-3656	97	4	providers	provider	NOUN
fsr-3656	97	5	operating	operate	VERB
fsr-3656	97	6	in	in	ADP
fsr-3656	97	7	each	each	DET
fsr-3656	97	8	state	state	NOUN
fsr-3656	97	9	often	often	ADV
fsr-3656	97	10	are	be	AUX
fsr-3656	97	11	determined	determine	VERB
fsr-3656	97	12	by	by	ADP
fsr-3656	97	13	statutory	statutory	ADJ
fsr-3656	97	14	law	law	NOUN
fsr-3656	97	15	.	.	PUNCT
fsr-3656	98	1	at	at	ADP
fsr-3656	98	2	the	the	DET
fsr-3656	98	3	extremes	extreme	NOUN
fsr-3656	98	4	are	be	AUX
fsr-3656	98	5	rhode	rhode	PROPN
fsr-3656	98	6	island	island	NOUN
fsr-3656	98	7	,	,	PUNCT
fsr-3656	98	8	which	which	PRON
fsr-3656	98	9	mandates	mandate	VERB
fsr-3656	98	10	tdi	tdi	PROPN
fsr-3656	98	11	only	only	ADV
fsr-3656	98	12	through	through	ADP
fsr-3656	98	13	the	the	DET
fsr-3656	98	14	state	state	NOUN
fsr-3656	98	15	run	run	NOUN
fsr-3656	98	16	fund	fund	NOUN
fsr-3656	98	17	,	,	PUNCT
fsr-3656	98	18	and	and	CCONJ
fsr-3656	98	19	hawaii	hawaii	PROPN
fsr-3656	98	20	,	,	PUNCT
fsr-3656	98	21	which	which	PRON
fsr-3656	98	22	requires	require	VERB
fsr-3656	98	23	tdi	tdi	PROPN
fsr-3656	98	24	coverage	coverage	NOUN
fsr-3656	98	25	be	be	AUX
fsr-3656	98	26	provided	provide	VERB
fsr-3656	98	27	only	only	ADV
fsr-3656	98	28	by	by	ADP
fsr-3656	98	29	private	private	ADJ
fsr-3656	98	30	insurers	insurer	NOUN
fsr-3656	98	31	or	or	CCONJ
fsr-3656	98	32	employer	employer	NOUN
fsr-3656	98	33	self	self	NOUN
fsr-3656	98	34	-	-	PUNCT
fsr-3656	98	35	insurance	insurance	NOUN
fsr-3656	98	36	.	.	PUNCT
fsr-3656	99	1	other	other	ADJ
fsr-3656	99	2	jurisdictions	jurisdiction	NOUN
fsr-3656	99	3	allow	allow	VERB
fsr-3656	99	4	tdi	tdi	PROPN
fsr-3656	99	5	coverage	coverage	NOUN
fsr-3656	99	6	to	to	PART
fsr-3656	99	7	be	be	AUX
fsr-3656	99	8	provided	provide	VERB
fsr-3656	99	9	via	via	ADP
fsr-3656	99	10	state	state	NOUN
fsr-3656	99	11	and/or	and/or	CCONJ
fsr-3656	99	12	private	private	ADJ
fsr-3656	99	13	plans	plan	NOUN
fsr-3656	99	14	(	(	PUNCT
fsr-3656	99	15	social	social	ADJ
fsr-3656	99	16	security	security	NOUN
fsr-3656	99	17	administration	administration	NOUN
fsr-3656	99	18	,	,	PUNCT
fsr-3656	99	19	1990	1990	NUM
fsr-3656	99	20	,	,	PUNCT
fsr-3656	99	21	p.	p.	NOUN
fsr-3656	99	22	31	31	NUM
fsr-3656	100	1	i	i	NOUN
fsr-3656	100	2	)	)	PUNCT
fsr-3656	100	3	.	.	PUNCT
fsr-3656	101	1	disability	disability	NOUN
fsr-3656	101	2	income	income	NOUN
fsr-3656	101	3	insurance	insurance	NOUN
fsr-3656	101	4	and	and	CCONJ
fsr-3656	101	5	the	the	DET
fsr-3656	101	6	individual	individual	ADJ
fsr-3656	101	7	67	67	NUM
fsr-3656	101	8	private	private	ADJ
fsr-3656	101	9	insurance	insurance	NOUN
fsr-3656	101	10	.	.	PUNCT
fsr-3656	102	1	two	two	NUM
fsr-3656	102	2	types	type	NOUN
fsr-3656	102	3	of	of	ADP
fsr-3656	102	4	private	private	ADJ
fsr-3656	102	5	std	std	NOUN
fsr-3656	102	6	benefit	benefit	NOUN
fsr-3656	102	7	plans	plan	NOUN
fsr-3656	102	8	are	be	AUX
fsr-3656	102	9	dominant	dominant	ADJ
fsr-3656	102	10	in	in	ADP
fsr-3656	102	11	the	the	DET
fsr-3656	102	12	u.s	u.s	PROPN
fsr-3656	102	13	.	.	PROPN
fsr-3656	102	14	sick	sick	PROPN
fsr-3656	102	15	leave	leave	VERB
fsr-3656	102	16	plans	plan	NOUN
fsr-3656	102	17	generally	generally	ADV
fsr-3656	102	18	offer	offer	VERB
fsr-3656	102	19	full	full	ADJ
fsr-3656	102	20	replacement	replacement	NOUN
fsr-3656	102	21	of	of	ADP
fsr-3656	102	22	earnings	earning	NOUN
fsr-3656	102	23	with	with	ADP
fsr-3656	102	24	no	no	DET
fsr-3656	102	25	waiting	waiting	NOUN
fsr-3656	102	26	periods	period	NOUN
fsr-3656	102	27	and	and	CCONJ
fsr-3656	102	28	are	be	AUX
fsr-3656	102	29	funded	fund	VERB
fsr-3656	102	30	by	by	ADP
fsr-3656	102	31	operating	operate	VERB
fsr-3656	102	32	earnings	earning	NOUN
fsr-3656	102	33	of	of	ADP
fsr-3656	102	34	the	the	DET
fsr-3656	102	35	employer	employer	NOUN
fsr-3656	102	36	.	.	PUNCT
fsr-3656	103	1	the	the	DET
fsr-3656	103	2	earner	earner	NOUN
fsr-3656	103	3	often	often	ADV
fsr-3656	103	4	receives	receive	VERB
fsr-3656	103	5	an	an	DET
fsr-3656	103	6	allocation	allocation	NOUN
fsr-3656	103	7	of	of	ADP
fsr-3656	103	8	five	five	NUM
fsr-3656	103	9	to	to	PART
fsr-3656	103	10	15	15	NUM
fsr-3656	103	11	days	day	NOUN
fsr-3656	103	12	of	of	ADP
fsr-3656	103	13	sick	sick	ADJ
fsr-3656	103	14	leave	leave	NOUN
fsr-3656	103	15	per	per	ADP
fsr-3656	103	16	year	year	NOUN
fsr-3656	103	17	,	,	PUNCT
fsr-3656	103	18	but	but	CCONJ
fsr-3656	103	19	can	can	AUX
fsr-3656	103	20	accumulate	accumulate	VERB
fsr-3656	103	21	unused	unused	ADJ
fsr-3656	103	22	days	day	NOUN
fsr-3656	103	23	for	for	ADP
fsr-3656	103	24	the	the	DET
fsr-3656	103	25	future	future	NOUN
fsr-3656	103	26	.	.	PUNCT
fsr-3656	104	1	the	the	DET
fsr-3656	104	2	second	second	ADJ
fsr-3656	104	3	major	major	ADJ
fsr-3656	104	4	source	source	NOUN
fsr-3656	104	5	of	of	ADP
fsr-3656	104	6	std	std	NOUN
fsr-3656	104	7	benefits	benefit	NOUN
fsr-3656	104	8	is	be	AUX
fsr-3656	104	9	sickness	sickness	NOUN
fsr-3656	104	10	and	and	CCONJ
fsr-3656	104	11	accident	accident	NOUN
fsr-3656	104	12	insurance	insurance	NOUN
fsr-3656	104	13	offered	offer	VERB
fsr-3656	104	14	via	via	ADP
fsr-3656	104	15	private	private	ADJ
fsr-3656	104	16	insurers	insurer	NOUN
fsr-3656	104	17	or	or	CCONJ
fsr-3656	104	18	employer	employer	NOUN
fsr-3656	104	19	self	self	NOUN
fsr-3656	104	20	-	-	PUNCT
fsr-3656	104	21	insurance	insurance	NOUN
fsr-3656	104	22	funds	fund	NOUN
fsr-3656	104	23	.	.	PUNCT
fsr-3656	105	1	sickness	sickness	NOUN
fsr-3656	105	2	and	and	CCONJ
fsr-3656	105	3	accident	accident	NOUN
fsr-3656	105	4	insurance	insurance	NOUN
fsr-3656	105	5	typically	typically	ADV
fsr-3656	105	6	replaces	replace	VERB
fsr-3656	105	7	two	two	NUM
fsr-3656	105	8	thirds	third	NOUN
fsr-3656	105	9	of	of	ADP
fsr-3656	105	10	the	the	DET
fsr-3656	105	11	earner	earner	NOUN
fsr-3656	105	12	’s	’s	PART
fsr-3656	105	13	weekly	weekly	ADJ
fsr-3656	105	14	income	income	NOUN
fsr-3656	105	15	after	after	ADP
fsr-3656	105	16	a	a	DET
fsr-3656	105	17	waiting	waiting	NOUN
fsr-3656	105	18	period	period	NOUN
fsr-3656	105	19	of	of	ADP
fsr-3656	105	20	three	three	NUM
fsr-3656	105	21	to	to	PART
fsr-3656	105	22	seven	seven	NUM
fsr-3656	105	23	days	day	NOUN
fsr-3656	105	24	.	.	PUNCT
fsr-3656	106	1	the	the	DET
fsr-3656	106	2	duration	duration	NOUN
fsr-3656	106	3	of	of	ADP
fsr-3656	106	4	benefits	benefit	NOUN
fsr-3656	106	5	usually	usually	ADV
fsr-3656	106	6	is	be	AUX
fsr-3656	106	7	limited	limit	VERB
fsr-3656	106	8	to	to	ADP
fsr-3656	106	9	between	between	ADP
fsr-3656	106	10	three	three	NUM
fsr-3656	106	11	and	and	CCONJ
fsr-3656	106	12	six	six	NUM
fsr-3656	106	13	months	month	NOUN
fsr-3656	106	14	.	.	PUNCT
fsr-3656	107	1	sick	sick	ADJ
fsr-3656	107	2	leave	leave	VERB
fsr-3656	107	3	plans	plan	NOUN
fsr-3656	107	4	provide	provide	VERB
fsr-3656	107	5	a	a	DET
fsr-3656	107	6	relatively	relatively	ADV
fsr-3656	107	7	higher	high	ADJ
fsr-3656	107	8	level	level	NOUN
fsr-3656	107	9	of	of	ADP
fsr-3656	107	10	benefits	benefit	NOUN
fsr-3656	107	11	,	,	PUNCT
fsr-3656	107	12	approximately	approximately	ADV
fsr-3656	107	13	76	76	NUM
fsr-3656	107	14	percent	percent	NOUN
fsr-3656	107	15	of	of	ADP
fsr-3656	107	16	std	std	NOUN
fsr-3656	107	17	income	income	NOUN
fsr-3656	107	18	losses	loss	NOUN
fsr-3656	107	19	for	for	ADP
fsr-3656	107	20	plan	plan	NOUN
fsr-3656	107	21	beneficiaries	beneficiary	NOUN
fsr-3656	107	22	in	in	ADP
fsr-3656	107	23	1983	1983	NUM
fsr-3656	107	24	.	.	PUNCT
fsr-3656	108	1	in	in	ADP
fsr-3656	108	2	contrast	contrast	NOUN
fsr-3656	108	3	,	,	PUNCT
fsr-3656	108	4	price	price	NOUN
fsr-3656	108	5	(	(	PUNCT
fsr-3656	108	6	1986	1986	NUM
fsr-3656	108	7	)	)	PUNCT
fsr-3656	108	8	shows	show	VERB
fsr-3656	108	9	that	that	SCONJ
fsr-3656	108	10	the	the	DET
fsr-3656	108	11	combination	combination	NOUN
fsr-3656	108	12	of	of	ADP
fsr-3656	108	13	individual	individual	ADJ
fsr-3656	108	14	and	and	CCONJ
fsr-3656	108	15	group	group	NOUN
fsr-3656	108	16	sickness	sickness	NOUN
fsr-3656	108	17	and	and	CCONJ
fsr-3656	108	18	accident	accident	NOUN
fsr-3656	108	19	insurance	insurance	NOUN
fsr-3656	108	20	plans	plan	NOUN
fsr-3656	108	21	have	have	AUX
fsr-3656	108	22	provided	provide	VERB
fsr-3656	108	23	only	only	ADV
fsr-3656	108	24	35	35	NUM
fsr-3656	108	25	to	to	PART
fsr-3656	108	26	38	38	NUM
fsr-3656	108	27	percent	percent	NOUN
fsr-3656	108	28	of	of	ADP
fsr-3656	108	29	lost	lose	VERB
fsr-3656	108	30	earnings	earning	NOUN
fsr-3656	108	31	for	for	ADP
fsr-3656	108	32	plan	plan	NOUN
fsr-3656	108	33	beneficiaries	beneficiary	NOUN
fsr-3656	108	34	each	each	DET
fsr-3656	108	35	year	year	NOUN
fsr-3656	108	36	since	since	SCONJ
fsr-3656	108	37	1970	1970	NUM
fsr-3656	108	38	.	.	PUNCT
fsr-3656	109	1	houff	houff	PROPN
fsr-3656	109	2	and	and	CCONJ
fsr-3656	109	3	wiatrowski	wiatrowski	PROPN
fsr-3656	109	4	(	(	PUNCT
fsr-3656	109	5	hw	hw	NOUN
fsr-3656	109	6	)	)	PUNCT
fsr-3656	109	7	(	(	PUNCT
fsr-3656	109	8	1989	1989	NUM
fsr-3656	109	9	)	)	PUNCT
fsr-3656	109	10	survey	survey	NOUN
fsr-3656	109	11	std	std	NOUN
fsr-3656	109	12	plans	plan	NOUN
fsr-3656	109	13	available	available	ADJ
fsr-3656	109	14	to	to	ADP
fsr-3656	109	15	employees	employee	NOUN
fsr-3656	109	16	of	of	ADP
fsr-3656	109	17	(	(	PUNCT
fsr-3656	109	18	1	1	NUM
fsr-3656	109	19	)	)	PUNCT
fsr-3656	109	20	medium	medium	ADJ
fsr-3656	109	21	and	and	CCONJ
fsr-3656	109	22	large	large	ADJ
fsr-3656	109	23	private	private	ADJ
fsr-3656	109	24	firms	firm	NOUN
fsr-3656	109	25	and	and	CCONJ
fsr-3656	109	26	(	(	PUNCT
fsr-3656	109	27	2	2	X
fsr-3656	109	28	)	)	PUNCT
fsr-3656	109	29	state	state	NOUN
fsr-3656	109	30	and	and	CCONJ
fsr-3656	109	31	local	local	ADJ
fsr-3656	109	32	governments	government	NOUN
fsr-3656	109	33	.	.	PUNCT
fsr-3656	110	1	among	among	ADP
fsr-3656	110	2	employees	employee	NOUN
fsr-3656	110	3	of	of	ADP
fsr-3656	110	4	private	private	ADJ
fsr-3656	110	5	firms	firm	NOUN
fsr-3656	110	6	,	,	PUNCT
fsr-3656	110	7	46	46	NUM
fsr-3656	110	8	percent	percent	NOUN
fsr-3656	110	9	have	have	AUX
fsr-3656	110	10	sick	sick	ADJ
fsr-3656	110	11	leave	leave	VERB
fsr-3656	110	12	only	only	ADV
fsr-3656	110	13	,	,	PUNCT
fsr-3656	110	14	24	24	NUM
fsr-3656	110	15	percent	percent	NOUN
fsr-3656	110	16	have	have	VERB
fsr-3656	110	17	sickness	sickness	NOUN
fsr-3656	110	18	and	and	CCONJ
fsr-3656	110	19	accident	accident	NOUN
fsr-3656	110	20	insurance	insurance	NOUN
fsr-3656	110	21	only	only	ADV
fsr-3656	110	22	,	,	PUNCT
fsr-3656	110	23	25	25	NUM
fsr-3656	110	24	percent	percent	NOUN
fsr-3656	110	25	have	have	AUX
fsr-3656	110	26	both	both	VERB
fsr-3656	110	27	,	,	PUNCT
fsr-3656	110	28	and	and	CCONJ
fsr-3656	110	29	a	a	DET
fsr-3656	110	30	mere	mere	ADJ
fsr-3656	110	31	6	6	NUM
fsr-3656	110	32	percent	percent	NOUN
fsr-3656	110	33	have	have	VERB
fsr-3656	110	34	no	no	DET
fsr-3656	110	35	std	std	NOUN
fsr-3656	110	36	coverage	coverage	NOUN
fsr-3656	110	37	.	.	PUNCT
fsr-3656	111	1	for	for	ADP
fsr-3656	111	2	state	state	NOUN
fsr-3656	111	3	government	government	NOUN
fsr-3656	111	4	employees	employee	NOUN
fsr-3656	111	5	,	,	PUNCT
fsr-3656	111	6	83	83	NUM
fsr-3656	111	7	percent	percent	NOUN
fsr-3656	111	8	have	have	AUX
fsr-3656	111	9	sick	sick	ADJ
fsr-3656	111	10	leave	leave	VERB
fsr-3656	111	11	only	only	ADV
fsr-3656	111	12	,	,	PUNCT
fsr-3656	111	13	1	1	NUM
fsr-3656	111	14	percent	percent	NOUN
fsr-3656	111	15	have	have	VERB
fsr-3656	111	16	sickness	sickness	NOUN
fsr-3656	111	17	and	and	CCONJ
fsr-3656	111	18	accident	accident	NOUN
fsr-3656	111	19	insurance	insurance	NOUN
fsr-3656	111	20	,	,	PUNCT
fsr-3656	111	21	14	14	NUM
fsr-3656	111	22	percent	percent	NOUN
fsr-3656	111	23	have	have	VERB
fsr-3656	111	24	both	both	VERB
fsr-3656	111	25	,	,	PUNCT
fsr-3656	111	26	and	and	CCONJ
fsr-3656	111	27	only	only	ADV
fsr-3656	111	28	3	3	NUM
fsr-3656	111	29	percent	percent	NOUN
fsr-3656	111	30	have	have	VERB
fsr-3656	111	31	none	none	NOUN
fsr-3656	111	32	.	.	PUNCT
fsr-3656	112	1	for	for	ADP
fsr-3656	112	2	private	private	ADJ
fsr-3656	112	3	employers	employer	NOUN
fsr-3656	112	4	,	,	PUNCT
fsr-3656	112	5	hw	hw	PRON
fsr-3656	112	6	estimate	estimate	VERB
fsr-3656	112	7	that	that	SCONJ
fsr-3656	112	8	total	total	ADJ
fsr-3656	112	9	std	std	NOUN
fsr-3656	112	10	benefits	benefit	NOUN
fsr-3656	112	11	from	from	ADP
fsr-3656	112	12	both	both	CCONJ
fsr-3656	112	13	sick	sick	ADJ
fsr-3656	112	14	leave	leave	NOUN
fsr-3656	112	15	and	and	CCONJ
fsr-3656	112	16	sickness	sickness	NOUN
fsr-3656	112	17	and	and	CCONJ
fsr-3656	112	18	accident	accident	NOUN
fsr-3656	112	19	insurance	insurance	NOUN
fsr-3656	112	20	plans	plan	NOUN
fsr-3656	112	21	would	would	AUX
fsr-3656	112	22	range	range	VERB
fsr-3656	112	23	from	from	ADP
fsr-3656	112	24	53	53	NUM
fsr-3656	112	25	to	to	PART
fsr-3656	112	26	65	65	NUM
fsr-3656	112	27	percent	percent	NOUN
fsr-3656	112	28	of	of	ADP
fsr-3656	112	29	pre	pre	ADJ
fsr-3656	112	30	-	-	ADJ
fsr-3656	112	31	disability	disability	ADJ
fsr-3656	112	32	income	income	NOUN
fsr-3656	112	33	,	,	PUNCT
fsr-3656	112	34	depending	depend	VERB
fsr-3656	112	35	upon	upon	SCONJ
fsr-3656	112	36	the	the	DET
fsr-3656	112	37	employee	employee	NOUN
fsr-3656	112	38	’s	’s	PART
fsr-3656	112	39	years	year	NOUN
fsr-3656	112	40	of	of	ADP
fsr-3656	112	41	service	service	NOUN
fsr-3656	112	42	.	.	PUNCT
fsr-3656	113	1	the	the	DET
fsr-3656	113	2	duration	duration	NOUN
fsr-3656	113	3	of	of	ADP
fsr-3656	113	4	benefits	benefit	NOUN
fsr-3656	113	5	is	be	AUX
fsr-3656	113	6	limited	limit	VERB
fsr-3656	113	7	to	to	ADP
fsr-3656	113	8	between	between	ADP
fsr-3656	113	9	110	110	NUM
fsr-3656	113	10	and	and	CCONJ
fsr-3656	113	11	134	134	NUM
fsr-3656	113	12	work	work	NOUN
fsr-3656	113	13	days	day	NOUN
fsr-3656	113	14	,	,	PUNCT
fsr-3656	113	15	again	again	ADV
fsr-3656	113	16	depending	depend	VERB
fsr-3656	113	17	upon	upon	SCONJ
fsr-3656	113	18	years	year	NOUN
fsr-3656	113	19	of	of	ADP
fsr-3656	113	20	service	service	NOUN
fsr-3656	113	21	.	.	PUNCT
fsr-3656	114	1	plans	plan	NOUN
fsr-3656	114	2	funded	fund	VERB
fsr-3656	114	3	with	with	ADP
fsr-3656	114	4	sickness	sickness	NOUN
fsr-3656	114	5	and	and	CCONJ
fsr-3656	114	6	accident	accident	NOUN
fsr-3656	114	7	insurance	insurance	NOUN
fsr-3656	114	8	only	only	ADV
fsr-3656	114	9	normally	normally	ADV
fsr-3656	114	10	provide	provide	VERB
fsr-3656	114	11	longer	long	ADJ
fsr-3656	114	12	benefit	benefit	NOUN
fsr-3656	114	13	durations	duration	NOUN
fsr-3656	114	14	,	,	PUNCT
fsr-3656	114	15	however	however	ADV
fsr-3656	114	16	.	.	PUNCT
fsr-3656	115	1	although	although	SCONJ
fsr-3656	115	2	nearly	nearly	ADV
fsr-3656	115	3	60	60	NUM
fsr-3656	115	4	percent	percent	NOUN
fsr-3656	115	5	of	of	ADP
fsr-3656	115	6	all	all	DET
fsr-3656	115	7	u.s	u.s	PROPN
fsr-3656	115	8	.	.	PROPN
fsr-3656	115	9	earners	earner	NOUN
fsr-3656	115	10	are	be	AUX
fsr-3656	115	11	covered	cover	VERB
fsr-3656	115	12	by	by	ADP
fsr-3656	115	13	some	some	DET
fsr-3656	115	14	form	form	NOUN
fsr-3656	115	15	of	of	ADP
fsr-3656	115	16	std	std	NOUN
fsr-3656	115	17	plan	plan	NOUN
fsr-3656	115	18	,	,	PUNCT
fsr-3656	115	19	less	less	ADJ
fsr-3656	115	20	than	than	ADP
fsr-3656	115	21	48	48	NUM
fsr-3656	115	22	percent	percent	NOUN
fsr-3656	115	23	of	of	ADP
fsr-3656	115	24	workers	worker	NOUN
fsr-3656	115	25	in	in	ADP
fsr-3656	115	26	the	the	DET
fsr-3656	115	27	45	45	NUM
fsr-3656	115	28	non	non	ADJ
fsr-3656	115	29	-	-	ADJ
fsr-3656	115	30	tdi	tdi	ADJ
fsr-3656	115	31	states	state	NOUN
fsr-3656	115	32	have	have	VERB
fsr-3656	115	33	any	any	DET
fsr-3656	115	34	such	such	ADJ
fsr-3656	115	35	protection	protection	NOUN
fsr-3656	115	36	.	.	PUNCT
fsr-3656	116	1	most	most	ADJ
fsr-3656	116	2	std	std	NOUN
fsr-3656	116	3	benefits	benefit	NOUN
fsr-3656	116	4	are	be	AUX
fsr-3656	116	5	provided	provide	VERB
fsr-3656	116	6	through	through	ADP
fsr-3656	116	7	employer	employer	NOUN
fsr-3656	116	8	group	group	NOUN
fsr-3656	116	9	plans	plan	NOUN
fsr-3656	116	10	,	,	PUNCT
fsr-3656	116	11	rather	rather	ADV
fsr-3656	116	12	than	than	ADP
fsr-3656	116	13	through	through	ADP
fsr-3656	116	14	individual	individual	ADJ
fsr-3656	116	15	insurance	insurance	NOUN
fsr-3656	116	16	policies	policy	NOUN
fsr-3656	116	17	.	.	PUNCT
fsr-3656	117	1	sick	sick	ADJ
fsr-3656	117	2	leave	leave	VERB
fsr-3656	117	3	plans	plan	NOUN
fsr-3656	117	4	tend	tend	VERB
fsr-3656	117	5	to	to	PART
fsr-3656	117	6	provide	provide	VERB
fsr-3656	117	7	higher	high	ADJ
fsr-3656	117	8	income	income	NOUN
fsr-3656	117	9	replacement	replacement	NOUN
fsr-3656	117	10	ratios	ratio	NOUN
fsr-3656	117	11	,	,	PUNCT
fsr-3656	117	12	but	but	CCONJ
fsr-3656	117	13	sickness	sickness	NOUN
fsr-3656	117	14	and	and	CCONJ
fsr-3656	117	15	accident	accident	NOUN
fsr-3656	117	16	insurance	insurance	NOUN
fsr-3656	117	17	is	be	AUX
fsr-3656	117	18	likely	likely	ADJ
fsr-3656	117	19	to	to	PART
fsr-3656	117	20	pay	pay	VERB
fsr-3656	117	21	benefits	benefit	NOUN
fsr-3656	117	22	for	for	ADP
fsr-3656	117	23	a	a	DET
fsr-3656	117	24	longer	long	ADJ
fsr-3656	117	25	duration	duration	NOUN
fsr-3656	117	26	in	in	ADP
fsr-3656	117	27	the	the	DET
fsr-3656	117	28	event	event	NOUN
fsr-3656	117	29	of	of	ADP
fsr-3656	117	30	a	a	DET
fsr-3656	117	31	relatively	relatively	ADV
fsr-3656	117	32	more	more	ADV
fsr-3656	117	33	severe	severe	ADJ
fsr-3656	117	34	std	std	NOUN
fsr-3656	117	35	.	.	PUNCT
fsr-3656	118	1	because	because	SCONJ
fsr-3656	118	2	std	std	NOUN
fsr-3656	118	3	plans	plan	NOUN
fsr-3656	118	4	are	be	AUX
fsr-3656	118	5	of	of	ADP
fsr-3656	118	6	limited	limited	ADJ
fsr-3656	118	7	duration	duration	NOUN
fsr-3656	118	8	,	,	PUNCT
fsr-3656	118	9	however	however	ADV
fsr-3656	118	10	,	,	PUNCT
fsr-3656	118	11	potentially	potentially	ADV
fsr-3656	118	12	catastrophic	catastrophic	ADJ
fsr-3656	118	13	losses	loss	NOUN
fsr-3656	118	14	must	must	AUX
fsr-3656	118	15	be	be	AUX
fsr-3656	118	16	addressed	address	VERB
fsr-3656	118	17	by	by	ADP
fsr-3656	118	18	ltd	ltd	PROPN
fsr-3656	118	19	plans	plan	NOUN
fsr-3656	118	20	,	,	PUNCT
fsr-3656	118	21	which	which	PRON
fsr-3656	118	22	are	be	AUX
fsr-3656	118	23	discussed	discuss	VERB
fsr-3656	118	24	subsequently	subsequently	ADV
fsr-3656	118	25	.	.	PUNCT
fsr-3656	119	1	longterm	longterm	PROPN
fsr-3656	119	2	disability	disability	NOUN
fsr-3656	119	3	benefits	benefit	NOUN
fsr-3656	119	4	social	social	ADJ
fsr-3656	119	5	security	security	NOUN
fsr-3656	119	6	.	.	PUNCT
fsr-3656	120	1	for	for	ADP
fsr-3656	120	2	disabled	disabled	ADJ
fsr-3656	120	3	individuals	individual	NOUN
fsr-3656	120	4	meeting	meet	VERB
fsr-3656	120	5	the	the	DET
fsr-3656	120	6	stringent	stringent	ADJ
fsr-3656	120	7	definition	definition	NOUN
fsr-3656	120	8	of	of	ADP
fsr-3656	120	9	disability	disability	NOUN
fsr-3656	120	10	stated	state	VERB
fsr-3656	120	11	previously	previously	ADV
fsr-3656	120	12	,	,	PUNCT
fsr-3656	120	13	social	social	ADJ
fsr-3656	120	14	security	security	NOUN
fsr-3656	120	15	disability	disability	NOUN
fsr-3656	120	16	income	income	NOUN
fsr-3656	120	17	(	(	PUNCT
fsr-3656	120	18	ssdi	ssdi	NOUN
fsr-3656	120	19	)	)	PUNCT
fsr-3656	120	20	benefits	benefit	NOUN
fsr-3656	120	21	provide	provide	VERB
fsr-3656	120	22	an	an	DET
fsr-3656	120	23	important	important	ADJ
fsr-3656	120	24	source	source	NOUN
fsr-3656	120	25	of	of	ADP
fsr-3656	120	26	income	income	NOUN
fsr-3656	120	27	.	.	PUNCT
fsr-3656	121	1	packard	packard	NOUN
fsr-3656	121	2	(	(	PUNCT
fsr-3656	121	3	1987	1987	NUM
fsr-3656	121	4	)	)	PUNCT
fsr-3656	121	5	finds	find	VERB
fsr-3656	121	6	that	that	SCONJ
fsr-3656	121	7	ssdi	ssdi	VERB
fsr-3656	121	8	68	68	NUM
fsr-3656	121	9	financial	financial	ADJ
fsr-3656	121	10	services	service	NOUN
fsr-3656	121	11	review	review	NOUN
fsr-3656	121	12	,	,	PUNCT
fsr-3656	121	13	l(1	l(1	PROPN
fsr-3656	121	14	)	)	PUNCT
fsr-3656	121	15	1991	1991	NUM
fsr-3656	121	16	provides	provide	VERB
fsr-3656	121	17	approximately	approximately	ADV
fsr-3656	121	18	two	two	NUM
fsr-3656	121	19	thirds	third	NOUN
fsr-3656	121	20	of	of	ADP
fsr-3656	121	21	total	total	ADJ
fsr-3656	121	22	income	income	NOUN
fsr-3656	121	23	for	for	ADP
fsr-3656	121	24	unmarried	unmarried	ADJ
fsr-3656	121	25	,	,	PUNCT
fsr-3656	121	26	ssdi	ssdi	NOUN
fsr-3656	121	27	recipients	recipient	NOUN
fsr-3656	121	28	and	and	CCONJ
fsr-3656	121	29	40	40	NUM
fsr-3656	121	30	percent	percent	NOUN
fsr-3656	121	31	of	of	ADP
fsr-3656	121	32	total	total	ADJ
fsr-3656	121	33	income	income	NOUN
fsr-3656	121	34	for	for	ADP
fsr-3656	121	35	the	the	DET
fsr-3656	121	36	families	family	NOUN
fsr-3656	121	37	of	of	ADP
fsr-3656	121	38	married	married	ADJ
fsr-3656	121	39	recipients	recipient	NOUN
fsr-3656	121	40	.	.	PUNCT
fsr-3656	122	1	despite	despite	SCONJ
fsr-3656	122	2	this	this	DET
fsr-3656	122	3	financial	financial	ADJ
fsr-3656	122	4	support	support	NOUN
fsr-3656	122	5	,	,	PUNCT
fsr-3656	122	6	grad	grad	NOUN
fsr-3656	122	7	(	(	PUNCT
fsr-3656	122	8	1989	1989	NUM
fsr-3656	122	9	)	)	PUNCT
fsr-3656	122	10	shows	show	VERB
fsr-3656	122	11	that	that	SCONJ
fsr-3656	122	12	fully	fully	ADV
fsr-3656	122	13	30	30	NUM
fsr-3656	122	14	percent	percent	NOUN
fsr-3656	122	15	of	of	ADP
fsr-3656	122	16	the	the	DET
fsr-3656	122	17	recipients	recipient	NOUN
fsr-3656	122	18	remain	remain	VERB
fsr-3656	122	19	near	near	ADP
fsr-3656	122	20	or	or	CCONJ
fsr-3656	122	21	below	below	ADP
fsr-3656	122	22	the	the	DET
fsr-3656	122	23	poverty	poverty	NOUN
fsr-3656	122	24	level	level	NOUN
fsr-3656	122	25	.	.	PUNCT
fsr-3656	123	1	based	base	VERB
fsr-3656	123	2	upon	upon	SCONJ
fsr-3656	123	3	the	the	DET
fsr-3656	123	4	most	most	ADV
fsr-3656	123	5	recent	recent	ADJ
fsr-3656	123	6	census	census	NOUN
fsr-3656	123	7	bureau	bureau	PROPN
fsr-3656	123	8	data	data	PROPN
fsr-3656	123	9	,	,	PUNCT
fsr-3656	123	10	the	the	DET
fsr-3656	123	11	median	median	ADJ
fsr-3656	123	12	household	household	NOUN
fsr-3656	123	13	income	income	NOUN
fsr-3656	123	14	of	of	ADP
fsr-3656	123	15	ssdi	ssdi	NOUN
fsr-3656	123	16	beneficiaries	beneficiary	NOUN
fsr-3656	123	17	is	be	AUX
fsr-3656	123	18	only	only	ADV
fsr-3656	123	19	$	$	SYM
fsr-3656	123	20	850	850	NUM
fsr-3656	123	21	per	per	ADP
fsr-3656	123	22	month	month	NOUN
fsr-3656	123	23	,	,	PUNCT
fsr-3656	123	24	while	while	SCONJ
fsr-3656	123	25	net	net	ADJ
fsr-3656	123	26	worth	worth	NOUN
fsr-3656	123	27	is	be	AUX
fsr-3656	123	28	$	$	SYM
fsr-3656	123	29	18,884	18,884	NUM
fsr-3656	123	30	and	and	CCONJ
fsr-3656	123	31	only	only	ADV
fsr-3656	123	32	$	$	SYM
fsr-3656	123	33	2,635	2,635	NUM
fsr-3656	123	34	if	if	SCONJ
fsr-3656	123	35	the	the	DET
fsr-3656	123	36	family	family	NOUN
fsr-3656	123	37	home	home	NOUN
fsr-3656	123	38	is	be	AUX
fsr-3656	123	39	excluded	exclude	VERB
fsr-3656	123	40	.	.	PUNCT
fsr-3656	124	1	during	during	ADP
fsr-3656	124	2	the	the	DET
fsr-3656	124	3	past	past	ADJ
fsr-3656	124	4	decade	decade	NOUN
fsr-3656	124	5	,	,	PUNCT
fsr-3656	124	6	the	the	DET
fsr-3656	124	7	probability	probability	NOUN
fsr-3656	124	8	of	of	ADP
fsr-3656	124	9	receiving	receive	VERB
fsr-3656	124	10	ssdi	ssdi	NOUN
fsr-3656	124	11	benefits	benefit	NOUN
fsr-3656	124	12	has	have	AUX
fsr-3656	124	13	declined	decline	VERB
fsr-3656	124	14	for	for	ADP
fsr-3656	124	15	the	the	DET
fsr-3656	124	16	disabled	disabled	ADJ
fsr-3656	124	17	u.s	u.s	PROPN
fsr-3656	124	18	.	.	PROPN
fsr-3656	124	19	earner	earner	NOUN
fsr-3656	124	20	.	.	PUNCT
fsr-3656	125	1	after	after	SCONJ
fsr-3656	125	2	a	a	DET
fsr-3656	125	3	substantial	substantial	ADJ
fsr-3656	125	4	expansion	expansion	NOUN
fsr-3656	125	5	of	of	ADP
fsr-3656	125	6	benefits	benefit	NOUN
fsr-3656	125	7	in	in	ADP
fsr-3656	125	8	the	the	DET
fsr-3656	125	9	1960s	1960	NOUN
fsr-3656	125	10	and	and	CCONJ
fsr-3656	125	11	early	early	ADJ
fsr-3656	125	12	1970s	1970	NOUN
fsr-3656	125	13	reno	reno	PROPN
fsr-3656	125	14	and	and	CCONJ
fsr-3656	125	15	price	price	NOUN
fsr-3656	125	16	(	(	PUNCT
fsr-3656	125	17	1985	1985	NUM
fsr-3656	125	18	)	)	PUNCT
fsr-3656	125	19	and	and	CCONJ
fsr-3656	125	20	lando	lando	NOUN
fsr-3656	125	21	,	,	PUNCT
fsr-3656	125	22	farley	farley	PROPN
fsr-3656	125	23	,	,	PUNCT
fsr-3656	125	24	and	and	CCONJ
fsr-3656	125	25	brown	brown	ADJ
fsr-3656	125	26	(	(	PUNCT
fsr-3656	125	27	lfb	lfb	PROPN
fsr-3656	125	28	)	)	PUNCT
fsr-3656	125	29	(	(	PUNCT
fsr-3656	125	30	1982	1982	NUM
fsr-3656	125	31	)	)	PUNCT
fsr-3656	125	32	document	document	NOUN
fsr-3656	125	33	the	the	DET
fsr-3656	125	34	measures	measure	NOUN
fsr-3656	125	35	taken	take	VERB
fsr-3656	125	36	by	by	ADP
fsr-3656	125	37	the	the	DET
fsr-3656	125	38	u.s	u.s	PROPN
fsr-3656	125	39	.	.	PROPN
fsr-3656	125	40	government	government	NOUN
fsr-3656	125	41	to	to	PART
fsr-3656	125	42	restrict	restrict	VERB
fsr-3656	125	43	ssdi	ssdi	NOUN
fsr-3656	125	44	payments	payment	NOUN
fsr-3656	125	45	.	.	PUNCT
fsr-3656	126	1	these	these	DET
fsr-3656	126	2	incremental	incremental	ADJ
fsr-3656	126	3	restrictions	restriction	NOUN
fsr-3656	126	4	include	include	VERB
fsr-3656	126	5	(	(	PUNCT
fsr-3656	126	6	1	1	X
fsr-3656	126	7	)	)	PUNCT
fsr-3656	126	8	limiting	limit	VERB
fsr-3656	126	9	income	income	NOUN
fsr-3656	126	10	replacement	replacement	NOUN
fsr-3656	126	11	ratios	ratio	NOUN
fsr-3656	126	12	for	for	ADP
fsr-3656	126	13	some	some	DET
fsr-3656	126	14	types	type	NOUN
fsr-3656	126	15	of	of	ADP
fsr-3656	126	16	workers	worker	NOUN
fsr-3656	126	17	,	,	PUNCT
fsr-3656	126	18	(	(	PUNCT
fsr-3656	126	19	2	2	X
fsr-3656	126	20	)	)	PUNCT
fsr-3656	126	21	closely	closely	ADV
fsr-3656	126	22	administering	administer	VERB
fsr-3656	126	23	eligibility	eligibility	NOUN
fsr-3656	126	24	rules	rule	NOUN
fsr-3656	126	25	,	,	PUNCT
fsr-3656	126	26	and	and	CCONJ
fsr-3656	126	27	(	(	PUNCT
fsr-3656	126	28	3	3	X
fsr-3656	126	29	)	)	PUNCT
fsr-3656	126	30	lowering	lower	VERB
fsr-3656	126	31	acceptance	acceptance	NOUN
fsr-3656	126	32	rates	rate	NOUN
fsr-3656	126	33	on	on	ADP
fsr-3656	126	34	applications	application	NOUN
fsr-3656	126	35	for	for	ADP
fsr-3656	126	36	benefits	benefit	NOUN
fsr-3656	126	37	.	.	PUNCT
fsr-3656	127	1	regarding	regard	VERB
fsr-3656	127	2	the	the	DET
fsr-3656	127	3	latter	latter	ADJ
fsr-3656	127	4	,	,	PUNCT
fsr-3656	127	5	lfb	lfb	PROPN
fsr-3656	127	6	show	show	VERB
fsr-3656	127	7	that	that	SCONJ
fsr-3656	127	8	acceptance	acceptance	NOUN
fsr-3656	127	9	rates	rate	NOUN
fsr-3656	127	10	for	for	ADP
fsr-3656	127	11	initial	initial	ADJ
fsr-3656	127	12	applications	application	NOUN
fsr-3656	127	13	for	for	ADP
fsr-3656	127	14	ssdi	ssdi	NOUN
fsr-3656	127	15	benefits	benefit	NOUN
fsr-3656	127	16	declined	decline	VERB
fsr-3656	127	17	from	from	ADP
fsr-3656	127	18	over	over	ADP
fsr-3656	127	19	50	50	NUM
fsr-3656	127	20	percent	percent	NOUN
fsr-3656	127	21	in	in	ADP
fsr-3656	127	22	1966	1966	NUM
fsr-3656	127	23	and	and	CCONJ
fsr-3656	127	24	1967	1967	NUM
fsr-3656	127	25	to	to	ADP
fsr-3656	127	26	less	less	ADJ
fsr-3656	127	27	than	than	ADP
fsr-3656	127	28	22	22	NUM
fsr-3656	127	29	percent	percent	NOUN
fsr-3656	127	30	in	in	ADP
fsr-3656	127	31	the	the	DET
fsr-3656	127	32	early	early	ADJ
fsr-3656	127	33	1980~.~	1980~.~	NUM
fsr-3656	127	34	several	several	ADJ
fsr-3656	127	35	studies	study	NOUN
fsr-3656	127	36	analyze	analyze	VERB
fsr-3656	127	37	data	datum	NOUN
fsr-3656	127	38	from	from	ADP
fsr-3656	127	39	surveys	survey	NOUN
fsr-3656	127	40	of	of	ADP
fsr-3656	127	41	ssdi	ssdi	ADJ
fsr-3656	127	42	applicants	applicant	NOUN
fsr-3656	127	43	and	and	CCONJ
fsr-3656	127	44	provide	provide	VERB
fsr-3656	127	45	insight	insight	NOUN
fsr-3656	127	46	into	into	ADP
fsr-3656	127	47	the	the	DET
fsr-3656	127	48	severity	severity	NOUN
fsr-3656	127	49	of	of	ADP
fsr-3656	127	50	disability	disability	NOUN
fsr-3656	127	51	losses	loss	NOUN
fsr-3656	127	52	for	for	ADP
fsr-3656	127	53	these	these	DET
fsr-3656	127	54	applicants	applicant	NOUN
fsr-3656	127	55	.	.	PUNCT
fsr-3656	128	1	hennessey	hennessey	PROPN
fsr-3656	128	2	and	and	CCONJ
fsr-3656	128	3	dykacz	dykacz	PROPN
fsr-3656	128	4	(	(	PUNCT
fsr-3656	128	5	hd	hd	PROPN
fsr-3656	128	6	)	)	PUNCT
fsr-3656	128	7	(	(	PUNCT
fsr-3656	128	8	1989	1989	NUM
fsr-3656	128	9	)	)	PUNCT
fsr-3656	128	10	use	use	VERB
fsr-3656	128	11	a	a	DET
fsr-3656	128	12	maximum	maximum	ADJ
fsr-3656	128	13	likelihood	likelihood	NOUN
fsr-3656	128	14	weibull	weibull	NOUN
fsr-3656	128	15	function	function	NOUN
fsr-3656	128	16	to	to	PART
fsr-3656	128	17	predict	predict	VERB
fsr-3656	128	18	the	the	DET
fsr-3656	128	19	ultimate	ultimate	ADJ
fsr-3656	128	20	fate	fate	NOUN
fsr-3656	128	21	of	of	ADP
fsr-3656	128	22	ssdi	ssdi	NOUN
fsr-3656	128	23	beneficiaries	beneficiary	NOUN
fsr-3656	128	24	.	.	PUNCT
fsr-3656	129	1	independent	independent	ADJ
fsr-3656	129	2	variables	variable	NOUN
fsr-3656	129	3	included	include	VERB
fsr-3656	129	4	in	in	ADP
fsr-3656	129	5	the	the	DET
fsr-3656	129	6	model	model	NOUN
fsr-3656	129	7	are	be	AUX
fsr-3656	129	8	primary	primary	ADJ
fsr-3656	129	9	cause	cause	NOUN
fsr-3656	129	10	of	of	ADP
fsr-3656	129	11	disability	disability	NOUN
fsr-3656	129	12	,	,	PUNCT
fsr-3656	129	13	education	education	NOUN
fsr-3656	129	14	,	,	PUNCT
fsr-3656	129	15	occupation	occupation	NOUN
fsr-3656	129	16	,	,	PUNCT
fsr-3656	129	17	wealth	wealth	NOUN
fsr-3656	129	18	,	,	PUNCT
fsr-3656	129	19	sex	sex	NOUN
fsr-3656	129	20	,	,	PUNCT
fsr-3656	129	21	race	race	NOUN
fsr-3656	129	22	,	,	PUNCT
fsr-3656	129	23	and	and	CCONJ
fsr-3656	129	24	age	age	NOUN
fsr-3656	129	25	.	.	PUNCT
fsr-3656	130	1	the	the	DET
fsr-3656	130	2	results	result	NOUN
fsr-3656	130	3	indicate	indicate	VERB
fsr-3656	130	4	that	that	SCONJ
fsr-3656	130	5	,	,	PUNCT
fsr-3656	130	6	after	after	ADP
fsr-3656	130	7	initial	initial	ADJ
fsr-3656	130	8	entitlement	entitlement	NOUN
fsr-3656	130	9	,	,	PUNCT
fsr-3656	130	10	only	only	ADV
fsr-3656	130	11	11	11	NUM
fsr-3656	130	12	percent	percent	NOUN
fsr-3656	130	13	will	will	AUX
fsr-3656	130	14	recover	recover	VERB
fsr-3656	130	15	prior	prior	ADV
fsr-3656	130	16	to	to	ADP
fsr-3656	130	17	retirement	retirement	NOUN
fsr-3656	130	18	age	age	NOUN
fsr-3656	131	1	65,36	65,36	NUM
fsr-3656	131	2	percent	percent	NOUN
fsr-3656	131	3	will	will	AUX
fsr-3656	131	4	die	die	VERB
fsr-3656	131	5	,	,	PUNCT
fsr-3656	131	6	and	and	CCONJ
fsr-3656	131	7	53	53	NUM
fsr-3656	131	8	percent	percent	NOUN
fsr-3656	131	9	will	will	AUX
fsr-3656	131	10	remain	remain	VERB
fsr-3656	131	11	disabled	disabled	ADJ
fsr-3656	131	12	until	until	ADP
fsr-3656	131	13	retirement	retirement	NOUN
fsr-3656	131	14	.	.	PUNCT
fsr-3656	132	1	the	the	DET
fsr-3656	132	2	mean	mean	ADJ
fsr-3656	132	3	duration	duration	NOUN
fsr-3656	132	4	of	of	ADP
fsr-3656	132	5	ssdi	ssdi	NOUN
fsr-3656	132	6	benefits	benefit	NOUN
fsr-3656	132	7	to	to	ADP
fsr-3656	132	8	qualifying	qualify	VERB
fsr-3656	132	9	beneficiaries	beneficiary	NOUN
fsr-3656	132	10	exceeds	exceed	VERB
fsr-3656	132	11	nine	nine	NUM
fsr-3656	132	12	years	year	NOUN
fsr-3656	132	13	.	.	PUNCT
fsr-3656	133	1	dykacz	dykacz	NOUN
fsr-3656	133	2	and	and	CCONJ
fsr-3656	133	3	hennessey	hennessey	PROPN
fsr-3656	133	4	(	(	PUNCT
fsr-3656	133	5	dh	dh	NOUN
fsr-3656	133	6	)	)	PUNCT
fsr-3656	133	7	(	(	PUNCT
fsr-3656	133	8	1989	1989	NUM
fsr-3656	133	9	)	)	PUNCT
fsr-3656	133	10	then	then	ADV
fsr-3656	133	11	analyze	analyze	VERB
fsr-3656	133	12	the	the	DET
fsr-3656	133	13	subset	subset	NOUN
fsr-3656	133	14	of	of	ADP
fsr-3656	133	15	ssdi	ssdi	PROPN
fsr-3656	133	16	benefici	benefici	PROPN
fsr-3656	133	17	aries	arie	NOUN
fsr-3656	133	18	who	who	PRON
fsr-3656	133	19	recover	recover	VERB
fsr-3656	133	20	.	.	PUNCT
fsr-3656	134	1	a	a	DET
fsr-3656	134	2	two	two	NUM
fsr-3656	134	3	part	part	NOUN
fsr-3656	134	4	weibull	weibull	PROPN
fsr-3656	134	5	function	function	NOUN
fsr-3656	134	6	is	be	AUX
fsr-3656	134	7	employed	employ	VERB
fsr-3656	134	8	,	,	PUNCT
fsr-3656	134	9	using	use	VERB
fsr-3656	134	10	the	the	DET
fsr-3656	134	11	predictive	predictive	ADJ
fsr-3656	134	12	factors	factor	NOUN
fsr-3656	134	13	from	from	ADP
fsr-3656	134	14	hd	hd	PROPN
fsr-3656	134	15	.	.	PUNCT
fsr-3656	135	1	the	the	DET
fsr-3656	135	2	authors	author	NOUN
fsr-3656	135	3	predict	predict	VERB
fsr-3656	135	4	that	that	SCONJ
fsr-3656	135	5	43	43	NUM
fsr-3656	135	6	percent	percent	NOUN
fsr-3656	135	7	of	of	ADP
fsr-3656	135	8	“	"	PUNCT
fsr-3656	135	9	recovered	recover	VERB
fsr-3656	135	10	”	"	PUNCT
fsr-3656	135	11	beneficiaries	beneficiary	NOUN
fsr-3656	135	12	will	will	AUX
fsr-3656	135	13	return	return	VERB
fsr-3656	135	14	to	to	ADP
fsr-3656	135	15	ssdi	ssdi	NOUN
fsr-3656	135	16	rolls	roll	NOUN
fsr-3656	135	17	within	within	ADP
fsr-3656	135	18	five	five	NUM
fsr-3656	135	19	years	year	NOUN
fsr-3656	135	20	,	,	PUNCT
fsr-3656	135	21	5	5	NUM
fsr-3656	135	22	percent	percent	NOUN
fsr-3656	135	23	will	will	AUX
fsr-3656	135	24	die	die	VERB
fsr-3656	135	25	,	,	PUNCT
fsr-3656	135	26	and	and	CCONJ
fsr-3656	135	27	52	52	NUM
fsr-3656	135	28	percent	percent	NOUN
fsr-3656	135	29	will	will	AUX
fsr-3656	135	30	remain	remain	VERB
fsr-3656	135	31	employed	employ	VERB
fsr-3656	135	32	until	until	ADP
fsr-3656	135	33	retirement	retirement	NOUN
fsr-3656	135	34	age	age	NOUN
fsr-3656	135	35	,	,	PUNCT
fsr-3656	135	36	defined	define	VERB
fsr-3656	135	37	as	as	ADP
fsr-3656	135	38	age	age	NOUN
fsr-3656	135	39	62	62	NUM
fsr-3656	135	40	in	in	ADP
fsr-3656	135	41	the	the	DET
fsr-3656	135	42	study	study	NOUN
fsr-3656	135	43	.	.	PUNCT
fsr-3656	136	1	the	the	DET
fsr-3656	136	2	studies	study	NOUN
fsr-3656	136	3	by	by	ADP
fsr-3656	136	4	hd	hd	PROPN
fsr-3656	136	5	and	and	CCONJ
fsr-3656	136	6	dh	dh	NOUN
fsr-3656	136	7	suggest	suggest	VERB
fsr-3656	136	8	that	that	SCONJ
fsr-3656	136	9	very	very	ADV
fsr-3656	136	10	few	few	ADJ
fsr-3656	136	11	ssdi	ssdi	NOUN
fsr-3656	136	12	recipients	recipient	NOUN
fsr-3656	136	13	will	will	AUX
fsr-3656	136	14	return	return	VERB
fsr-3656	136	15	to	to	ADP
fsr-3656	136	16	the	the	DET
fsr-3656	136	17	job	job	NOUN
fsr-3656	136	18	market	market	NOUN
fsr-3656	136	19	and	and	CCONJ
fsr-3656	136	20	that	that	SCONJ
fsr-3656	136	21	nearly	nearly	ADV
fsr-3656	136	22	half	half	NOUN
fsr-3656	136	23	of	of	ADP
fsr-3656	136	24	those	those	PRON
fsr-3656	136	25	recovering	recover	VERB
fsr-3656	136	26	will	will	AUX
fsr-3656	136	27	again	again	ADV
fsr-3656	136	28	become	become	VERB
fsr-3656	136	29	disabled	disabled	ADJ
fsr-3656	136	30	.	.	PUNCT
fsr-3656	137	1	the	the	DET
fsr-3656	137	2	empirical	empirical	ADJ
fsr-3656	137	3	analysis	analysis	NOUN
fsr-3656	137	4	contained	contain	VERB
fsr-3656	137	5	in	in	ADP
fsr-3656	137	6	these	these	DET
fsr-3656	137	7	two	two	NUM
fsr-3656	137	8	studies	study	NOUN
fsr-3656	137	9	is	be	AUX
fsr-3656	137	10	based	base	VERB
fsr-3656	137	11	upon	upon	SCONJ
fsr-3656	137	12	surveys	survey	NOUN
fsr-3656	137	13	of	of	ADP
fsr-3656	137	14	beneficiaries	beneficiary	NOUN
fsr-3656	137	15	conducted	conduct	VERB
fsr-3656	137	16	in	in	ADP
fsr-3656	137	17	the	the	DET
fsr-3656	137	18	197os	197os	NOUN
fsr-3656	137	19	,	,	PUNCT
fsr-3656	137	20	well	well	ADV
fsr-3656	137	21	prior	prior	ADV
fsr-3656	137	22	to	to	ADP
fsr-3656	137	23	the	the	DET
fsr-3656	137	24	stringent	stringent	ADJ
fsr-3656	137	25	enforcement	enforcement	NOUN
fsr-3656	137	26	of	of	ADP
fsr-3656	137	27	eligibility	eligibility	NOUN
fsr-3656	137	28	rules	rule	NOUN
fsr-3656	137	29	and	and	CCONJ
fsr-3656	137	30	disability	disability	NOUN
fsr-3656	137	31	definitions	definition	NOUN
fsr-3656	137	32	that	that	PRON
fsr-3656	137	33	generally	generally	ADV
fsr-3656	137	34	are	be	AUX
fsr-3656	137	35	affiliated	affiliate	VERB
fsr-3656	137	36	with	with	ADP
fsr-3656	137	37	the	the	DET
fsr-3656	137	38	reagan	reagan	PROPN
fsr-3656	137	39	administration	administration	NOUN
fsr-3656	137	40	.	.	PUNCT
fsr-3656	138	1	recovery	recovery	NOUN
fsr-3656	138	2	rates	rate	NOUN
fsr-3656	138	3	are	be	AUX
fsr-3656	138	4	likely	likely	ADJ
fsr-3656	138	5	to	to	PART
fsr-3656	138	6	be	be	AUX
fsr-3656	138	7	even	even	ADV
fsr-3656	138	8	lower	low	ADJ
fsr-3656	138	9	for	for	ADP
fsr-3656	138	10	current	current	ADJ
fsr-3656	138	11	ssdi	ssdi	NOUN
fsr-3656	138	12	beneficiaries	beneficiary	NOUN
fsr-3656	138	13	.	.	PUNCT
fsr-3656	139	1	halpern	halpern	PROPN
fsr-3656	139	2	and	and	CCONJ
fsr-3656	139	3	hausman	hausman	PROPN
fsr-3656	139	4	(	(	PUNCT
fsr-3656	139	5	hh	hh	PROPN
fsr-3656	139	6	)	)	PUNCT
fsr-3656	139	7	(	(	PUNCT
fsr-3656	139	8	1986	1986	NUM
fsr-3656	139	9	)	)	PUNCT
fsr-3656	139	10	develop	develop	VERB
fsr-3656	139	11	a	a	DET
fsr-3656	139	12	model	model	NOUN
fsr-3656	139	13	of	of	ADP
fsr-3656	139	14	individual	individual	ADJ
fsr-3656	139	15	choice	choice	NOUN
fsr-3656	139	16	for	for	ADP
fsr-3656	139	17	ssdi	ssdi	NOUN
fsr-3656	139	18	benefits	benefit	NOUN
fsr-3656	139	19	and	and	CCONJ
fsr-3656	139	20	apply	apply	VERB
fsr-3656	139	21	it	it	PRON
fsr-3656	139	22	to	to	ADP
fsr-3656	139	23	the	the	DET
fsr-3656	139	24	previously	previously	ADV
fsr-3656	139	25	cited	cite	VERB
fsr-3656	139	26	survey	survey	NOUN
fsr-3656	139	27	data	datum	NOUN
fsr-3656	139	28	.	.	PUNCT
fsr-3656	140	1	a	a	DET
fsr-3656	140	2	log	log	NOUN
fsr-3656	140	3	likelihood	likelihood	NOUN
fsr-3656	140	4	function	function	NOUN
fsr-3656	140	5	is	be	AUX
fsr-3656	140	6	implemented	implement	VERB
fsr-3656	140	7	to	to	PART
fsr-3656	140	8	test	test	VERB
fsr-3656	140	9	the	the	DET
fsr-3656	140	10	impact	impact	NOUN
fsr-3656	140	11	of	of	ADP
fsr-3656	140	12	administrative	administrative	ADJ
fsr-3656	140	13	policies	policy	NOUN
fsr-3656	140	14	regarding	regard	VERB
fsr-3656	140	15	acceptance	acceptance	NOUN
fsr-3656	140	16	rates	rate	NOUN
fsr-3656	140	17	and	and	CCONJ
fsr-3656	140	18	benefit	benefit	NOUN
fsr-3656	140	19	levels	level	NOUN
fsr-3656	140	20	on	on	ADP
fsr-3656	140	21	the	the	DET
fsr-3656	140	22	individual	individual	NOUN
fsr-3656	140	23	’s	’s	PART
fsr-3656	140	24	propensity	propensity	NOUN
fsr-3656	140	25	to	to	PART
fsr-3656	140	26	leave	leave	VERB
fsr-3656	140	27	the	the	DET
fsr-3656	140	28	labor	labor	NOUN
fsr-3656	140	29	force	force	NOUN
fsr-3656	140	30	and	and	CCONJ
fsr-3656	140	31	apply	apply	VERB
fsr-3656	140	32	for	for	ADP
fsr-3656	140	33	benefits	benefit	NOUN
fsr-3656	140	34	.	.	PUNCT
fsr-3656	141	1	hh	hh	PROPN
fsr-3656	141	2	find	find	VERB
fsr-3656	141	3	that	that	SCONJ
fsr-3656	141	4	probable	probable	ADJ
fsr-3656	141	5	acceptance	acceptance	NOUN
fsr-3656	141	6	disability	disability	NOUN
fsr-3656	141	7	income	income	NOUN
fsr-3656	141	8	insurance	insurance	NOUN
fsr-3656	141	9	and	and	CCONJ
fsr-3656	141	10	the	the	DET
fsr-3656	141	11	zndividud	zndividud	NOUN
fsr-3656	141	12	69	69	NUM
fsr-3656	141	13	rates	rate	NOUN
fsr-3656	141	14	do	do	AUX
fsr-3656	141	15	not	not	PART
fsr-3656	141	16	have	have	VERB
fsr-3656	141	17	a	a	DET
fsr-3656	141	18	large	large	ADJ
fsr-3656	141	19	effect	effect	NOUN
fsr-3656	141	20	on	on	ADP
fsr-3656	141	21	the	the	DET
fsr-3656	141	22	decision	decision	NOUN
fsr-3656	141	23	to	to	PART
fsr-3656	141	24	apply	apply	VERB
fsr-3656	141	25	,	,	PUNCT
fsr-3656	141	26	while	while	SCONJ
fsr-3656	141	27	benefit	benefit	NOUN
fsr-3656	141	28	levels	level	NOUN
fsr-3656	141	29	have	have	VERB
fsr-3656	141	30	a	a	DET
fsr-3656	141	31	somewhat	somewhat	ADV
fsr-3656	141	32	greater	great	ADJ
fsr-3656	141	33	effect	effect	NOUN
fsr-3656	141	34	.	.	PUNCT
fsr-3656	142	1	nevertheless	nevertheless	ADV
fsr-3656	142	2	,	,	PUNCT
fsr-3656	142	3	the	the	DET
fsr-3656	142	4	effects	effect	NOUN
fsr-3656	142	5	of	of	ADP
fsr-3656	142	6	benefit	benefit	NOUN
fsr-3656	142	7	levels	level	NOUN
fsr-3656	142	8	on	on	ADP
fsr-3656	142	9	the	the	DET
fsr-3656	142	10	application	application	NOUN
fsr-3656	142	11	decision	decision	NOUN
fsr-3656	142	12	are	be	AUX
fsr-3656	142	13	not	not	PART
fsr-3656	142	14	as	as	ADV
fsr-3656	142	15	strong	strong	ADJ
fsr-3656	142	16	as	as	SCONJ
fsr-3656	142	17	previous	previous	ADJ
fsr-3656	142	18	research	research	NOUN
fsr-3656	142	19	indicated	indicate	VERB
fsr-3656	142	20	.	.	PUNCT
fsr-3656	143	1	the	the	DET
fsr-3656	143	2	type	type	NOUN
fsr-3656	143	3	of	of	ADP
fsr-3656	143	4	disabling	disable	VERB
fsr-3656	143	5	illness	illness	NOUN
fsr-3656	143	6	or	or	CCONJ
fsr-3656	143	7	injury	injury	NOUN
fsr-3656	143	8	,	,	PUNCT
fsr-3656	143	9	e.g.	e.g.	ADV
fsr-3656	143	10	,	,	PUNCT
fsr-3656	143	11	breathing	breathing	NOUN
fsr-3656	143	12	difficulty	difficulty	NOUN
fsr-3656	143	13	or	or	CCONJ
fsr-3656	143	14	blindness	blindness	NOUN
fsr-3656	143	15	,	,	PUNCT
fsr-3656	143	16	is	be	AUX
fsr-3656	143	17	found	find	VERB
fsr-3656	143	18	to	to	PART
fsr-3656	143	19	have	have	VERB
fsr-3656	143	20	a	a	DET
fsr-3656	143	21	very	very	ADV
fsr-3656	143	22	substantial	substantial	ADJ
fsr-3656	143	23	effect	effect	NOUN
fsr-3656	143	24	on	on	ADP
fsr-3656	143	25	the	the	DET
fsr-3656	143	26	decision	decision	NOUN
fsr-3656	143	27	to	to	PART
fsr-3656	143	28	apply	apply	VERB
fsr-3656	143	29	,	,	PUNCT
fsr-3656	143	30	however	however	ADV
fsr-3656	143	31	.	.	PUNCT
fsr-3656	144	1	bound	bind	VERB
fsr-3656	144	2	(	(	PUNCT
fsr-3656	144	3	1989	1989	NUM
fsr-3656	144	4	)	)	PUNCT
fsr-3656	144	5	addresses	address	VERB
fsr-3656	144	6	the	the	DET
fsr-3656	144	7	issue	issue	NOUN
fsr-3656	144	8	of	of	ADP
fsr-3656	144	9	whether	whether	SCONJ
fsr-3656	144	10	historically	historically	ADV
fsr-3656	144	11	increasing	increase	VERB
fsr-3656	144	12	ssdi	ssdi	ADJ
fsr-3656	144	13	benefits	benefit	NOUN
fsr-3656	144	14	has	have	AUX
fsr-3656	144	15	created	create	VERB
fsr-3656	144	16	a	a	DET
fsr-3656	144	17	disincentive	disincentive	NOUN
fsr-3656	144	18	for	for	SCONJ
fsr-3656	144	19	individuals	individual	NOUN
fsr-3656	144	20	to	to	PART
fsr-3656	144	21	remain	remain	VERB
fsr-3656	144	22	in	in	ADP
fsr-3656	144	23	the	the	DET
fsr-3656	144	24	labor	labor	NOUN
fsr-3656	144	25	market	market	NOUN
fsr-3656	144	26	.	.	PUNCT
fsr-3656	145	1	he	he	PRON
fsr-3656	145	2	focuses	focus	VERB
fsr-3656	145	3	on	on	ADP
fsr-3656	145	4	the	the	DET
fsr-3656	145	5	applicants	applicant	NOUN
fsr-3656	145	6	rejected	reject	VERB
fsr-3656	145	7	for	for	ADP
fsr-3656	145	8	ssdi	ssdi	NOUN
fsr-3656	145	9	benefits	benefit	NOUN
fsr-3656	145	10	as	as	ADP
fsr-3656	145	11	a	a	DET
fsr-3656	145	12	natural	natural	ADJ
fsr-3656	145	13	control	control	NOUN
fsr-3656	145	14	group	group	NOUN
fsr-3656	145	15	for	for	ADP
fsr-3656	145	16	comparison	comparison	NOUN
fsr-3656	145	17	with	with	ADP
fsr-3656	145	18	ssdi	ssdi	NOUN
fsr-3656	145	19	beneficiaries	beneficiary	NOUN
fsr-3656	145	20	.	.	PUNCT
fsr-3656	146	1	applying	apply	VERB
fsr-3656	146	2	logit	logit	NOUN
fsr-3656	146	3	analysis	analysis	NOUN
fsr-3656	146	4	,	,	PUNCT
fsr-3656	146	5	bound	bind	VERB
fsr-3656	146	6	finds	find	VERB
fsr-3656	146	7	rates	rate	NOUN
fsr-3656	146	8	of	of	ADP
fsr-3656	146	9	labor	labor	NOUN
fsr-3656	146	10	force	force	PROPN
fsr-3656	146	11	non	non	ADJ
fsr-3656	146	12	-	-	ADJ
fsr-3656	146	13	participation	participation	NOUN
fsr-3656	146	14	similar	similar	ADJ
fsr-3656	146	15	to	to	ADP
fsr-3656	146	16	those	those	PRON
fsr-3656	146	17	for	for	ADP
fsr-3656	146	18	ssdi	ssdi	NOUN
fsr-3656	146	19	beneficiaries	beneficiary	NOUN
fsr-3656	146	20	.	.	PUNCT
fsr-3656	147	1	most	most	ADJ
fsr-3656	147	2	of	of	ADP
fsr-3656	147	3	the	the	DET
fsr-3656	147	4	rejected	reject	VERB
fsr-3656	147	5	applicants	applicant	NOUN
fsr-3656	147	6	report	report	VERB
fsr-3656	147	7	substantial	substantial	ADJ
fsr-3656	147	8	health	health	NOUN
fsr-3656	147	9	limitations	limitation	NOUN
fsr-3656	147	10	.	.	PUNCT
fsr-3656	148	1	bound	bind	VERB
fsr-3656	148	2	concludes	conclude	VERB
fsr-3656	148	3	that	that	SCONJ
fsr-3656	148	4	his	his	PRON
fsr-3656	148	5	direct	direct	ADJ
fsr-3656	148	6	evidence	evidence	NOUN
fsr-3656	148	7	indicates	indicate	VERB
fsr-3656	148	8	that	that	SCONJ
fsr-3656	148	9	ssdi	ssdi	PROPN
fsr-3656	148	10	benefits	benefit	NOUN
fsr-3656	148	11	do	do	AUX
fsr-3656	148	12	not	not	PART
fsr-3656	148	13	generate	generate	VERB
fsr-3656	148	14	disincentives	disincentive	NOUN
fsr-3656	148	15	to	to	AUX
fsr-3656	148	16	work	work	VERB
fsr-3656	148	17	.	.	PUNCT
fsr-3656	149	1	several	several	ADJ
fsr-3656	149	2	research	research	NOUN
fsr-3656	149	3	efforts	effort	NOUN
fsr-3656	149	4	provide	provide	VERB
fsr-3656	149	5	information	information	NOUN
fsr-3656	149	6	on	on	ADP
fsr-3656	149	7	the	the	DET
fsr-3656	149	8	attitudes	attitude	NOUN
fsr-3656	149	9	and	and	CCONJ
fsr-3656	149	10	behavior	behavior	NOUN
fsr-3656	149	11	of	of	ADP
fsr-3656	149	12	different	different	ADJ
fsr-3656	149	13	demographic	demographic	ADJ
fsr-3656	149	14	cohorts	cohort	NOUN
fsr-3656	149	15	vis	vis	X
fsr-3656	149	16	-	-	PUNCT
fsr-3656	149	17	a	a	DET
fsr-3656	149	18	-	-	PUNCT
fsr-3656	149	19	vis	vis	X
fsr-3656	149	20	ssdi	ssdi	PROPN
fsr-3656	149	21	benefits	benefit	NOUN
fsr-3656	149	22	.	.	PUNCT
fsr-3656	150	1	greenblum	greenblum	NOUN
fsr-3656	150	2	and	and	CCONJ
fsr-3656	150	3	bye	bye	INTJ
fsr-3656	150	4	(	(	PUNCT
fsr-3656	150	5	gb	gb	NOUN
fsr-3656	150	6	)	)	PUNCT
fsr-3656	150	7	[	[	PUNCT
fsr-3656	150	8	19871	19871	NUM
fsr-3656	150	9	analyze	analyze	NOUN
fsr-3656	150	10	survey	survey	NOUN
fsr-3656	150	11	data	datum	NOUN
fsr-3656	150	12	from	from	ADP
fsr-3656	150	13	the	the	DET
fsr-3656	150	14	social	social	ADJ
fsr-3656	150	15	security	security	NOUN
fsr-3656	150	16	administration	administration	NOUN
fsr-3656	150	17	and	and	CCONJ
fsr-3656	150	18	find	find	VERB
fsr-3656	150	19	that	that	SCONJ
fsr-3656	150	20	belief	belief	NOUN
fsr-3656	150	21	in	in	ADP
fsr-3656	150	22	the	the	DET
fsr-3656	150	23	importance	importance	NOUN
fsr-3656	150	24	of	of	ADP
fsr-3656	150	25	work	work	NOUN
fsr-3656	150	26	does	do	AUX
fsr-3656	150	27	not	not	PART
fsr-3656	150	28	decline	decline	VERB
fsr-3656	150	29	after	after	SCONJ
fsr-3656	150	30	individuals	individual	NOUN
fsr-3656	150	31	begin	begin	VERB
fsr-3656	150	32	receiving	receive	VERB
fsr-3656	150	33	ssdi	ssdi	ADJ
fsr-3656	150	34	benefits	benefit	NOUN
fsr-3656	150	35	.	.	PUNCT
fsr-3656	151	1	gb	gb	PRON
fsr-3656	151	2	conclude	conclude	VERB
fsr-3656	151	3	that	that	SCONJ
fsr-3656	151	4	vocational	vocational	ADJ
fsr-3656	151	5	rehabilitation	rehabilitation	NOUN
fsr-3656	151	6	and	and	CCONJ
fsr-3656	151	7	incentive	incentive	NOUN
fsr-3656	151	8	programs	program	NOUN
fsr-3656	151	9	promoting	promote	VERB
fsr-3656	151	10	a	a	DET
fsr-3656	151	11	return	return	NOUN
fsr-3656	151	12	to	to	ADP
fsr-3656	151	13	work	work	NOUN
fsr-3656	151	14	are	be	AUX
fsr-3656	151	15	very	very	ADV
fsr-3656	151	16	important	important	ADJ
fsr-3656	151	17	.	.	PUNCT
fsr-3656	152	1	mudrick	mudrick	PROPN
fsr-3656	152	2	(	(	PUNCT
fsr-3656	152	3	1988	1988	NUM
fsr-3656	152	4	)	)	PUNCT
fsr-3656	152	5	uses	use	VERB
fsr-3656	152	6	the	the	DET
fsr-3656	152	7	same	same	ADJ
fsr-3656	152	8	data	datum	NOUN
fsr-3656	152	9	to	to	PART
fsr-3656	152	10	explore	explore	VERB
fsr-3656	152	11	the	the	DET
fsr-3656	152	12	relationship	relationship	NOUN
fsr-3656	152	13	between	between	ADP
fsr-3656	152	14	the	the	DET
fsr-3656	152	15	demographic	demographic	ADJ
fsr-3656	152	16	characteristics	characteristic	NOUN
fsr-3656	152	17	,	,	PUNCT
fsr-3656	152	18	attitudes	attitude	NOUN
fsr-3656	152	19	,	,	PUNCT
fsr-3656	152	20	and	and	CCONJ
fsr-3656	152	21	social	social	ADJ
fsr-3656	152	22	roles	role	NOUN
fsr-3656	152	23	of	of	ADP
fsr-3656	152	24	individuals	individual	NOUN
fsr-3656	152	25	with	with	ADP
fsr-3656	152	26	their	their	PRON
fsr-3656	152	27	disability	disability	NOUN
fsr-3656	152	28	status	status	NOUN
fsr-3656	152	29	.	.	PUNCT
fsr-3656	153	1	logit	logit	PROPN
fsr-3656	153	2	regression	regression	NOUN
fsr-3656	153	3	analysis	analysis	NOUN
fsr-3656	153	4	indicates	indicate	VERB
fsr-3656	153	5	that	that	SCONJ
fsr-3656	153	6	pain	pain	NOUN
fsr-3656	153	7	and	and	CCONJ
fsr-3656	153	8	fatigue	fatigue	NOUN
fsr-3656	153	9	are	be	AUX
fsr-3656	153	10	strongly	strongly	ADV
fsr-3656	153	11	related	relate	VERB
fsr-3656	153	12	to	to	ADP
fsr-3656	153	13	disability	disability	NOUN
fsr-3656	153	14	.	.	PUNCT
fsr-3656	154	1	the	the	DET
fsr-3656	154	2	linkage	linkage	NOUN
fsr-3656	154	3	of	of	ADP
fsr-3656	154	4	self	self	NOUN
fsr-3656	154	5	-	-	PUNCT
fsr-3656	154	6	esteem	esteem	NOUN
fsr-3656	154	7	and	and	CCONJ
fsr-3656	154	8	work	work	NOUN
fsr-3656	154	9	is	be	AUX
fsr-3656	154	10	inversely	inversely	ADV
fsr-3656	154	11	related	relate	VERB
fsr-3656	154	12	to	to	ADP
fsr-3656	154	13	disability	disability	NOUN
fsr-3656	154	14	claims	claim	NOUN
fsr-3656	154	15	.	.	PUNCT
fsr-3656	155	1	molho	molho	PROPN
fsr-3656	155	2	(	(	PUNCT
fsr-3656	155	3	1989	1989	NUM
fsr-3656	155	4	)	)	PUNCT
fsr-3656	155	5	examines	examine	VERB
fsr-3656	155	6	the	the	DET
fsr-3656	155	7	relationship	relationship	NOUN
fsr-3656	155	8	between	between	ADP
fsr-3656	155	9	demographic	demographic	ADJ
fsr-3656	155	10	factors	factor	NOUN
fsr-3656	155	11	and	and	CCONJ
fsr-3656	155	12	the	the	DET
fsr-3656	155	13	british	british	ADJ
fsr-3656	155	14	equivalent	equivalent	NOUN
fsr-3656	155	15	of	of	ADP
fsr-3656	155	16	ssdi	ssdi	PROPN
fsr-3656	155	17	claims	claim	NOUN
fsr-3656	155	18	.	.	PUNCT
fsr-3656	156	1	using	use	VERB
fsr-3656	156	2	both	both	DET
fsr-3656	156	3	ols	ol	NOUN
fsr-3656	156	4	and	and	CCONJ
fsr-3656	156	5	logit	logit	PROPN
fsr-3656	156	6	regression	regression	NOUN
fsr-3656	156	7	,	,	PUNCT
fsr-3656	156	8	he	he	PRON
fsr-3656	156	9	finds	find	VERB
fsr-3656	156	10	that	that	SCONJ
fsr-3656	156	11	the	the	DET
fsr-3656	156	12	non	non	ADJ
fsr-3656	156	13	-	-	ADJ
fsr-3656	156	14	economic	economic	ADJ
fsr-3656	156	15	factors	factor	NOUN
fsr-3656	156	16	of	of	ADP
fsr-3656	156	17	age	age	NOUN
fsr-3656	156	18	and	and	CCONJ
fsr-3656	156	19	medical	medical	ADJ
fsr-3656	156	20	history	history	NOUN
fsr-3656	156	21	are	be	AUX
fsr-3656	156	22	the	the	DET
fsr-3656	156	23	primary	primary	ADJ
fsr-3656	156	24	predictors	predictor	NOUN
fsr-3656	156	25	of	of	ADP
fsr-3656	156	26	claims	claim	NOUN
fsr-3656	156	27	.	.	PUNCT
fsr-3656	157	1	traditional	traditional	ADJ
fsr-3656	157	2	economic	economic	ADJ
fsr-3656	157	3	factors	factor	NOUN
fsr-3656	157	4	,	,	PUNCT
fsr-3656	157	5	including	include	VERB
fsr-3656	157	6	regional	regional	ADJ
fsr-3656	157	7	economic	economic	ADJ
fsr-3656	157	8	status	status	NOUN
fsr-3656	157	9	and	and	CCONJ
fsr-3656	157	10	housing	housing	NOUN
fsr-3656	157	11	environment	environment	NOUN
fsr-3656	157	12	,	,	PUNCT
fsr-3656	157	13	have	have	VERB
fsr-3656	157	14	only	only	ADV
fsr-3656	157	15	a	a	DET
fsr-3656	157	16	secondary	secondary	ADJ
fsr-3656	157	17	influence	influence	NOUN
fsr-3656	157	18	.	.	PUNCT
fsr-3656	158	1	an	an	DET
fsr-3656	158	2	overview	overview	NOUN
fsr-3656	158	3	of	of	ADP
fsr-3656	158	4	the	the	DET
fsr-3656	158	5	three	three	NUM
fsr-3656	158	6	previously	previously	ADV
fsr-3656	158	7	cited	cite	VERB
fsr-3656	158	8	studies	study	NOUN
fsr-3656	158	9	supports	support	VERB
fsr-3656	158	10	the	the	DET
fsr-3656	158	11	preference	preference	NOUN
fsr-3656	158	12	of	of	ADP
fsr-3656	158	13	most	most	ADV
fsr-3656	158	14	disabled	disabled	ADJ
fsr-3656	158	15	individuals	individual	NOUN
fsr-3656	158	16	to	to	PART
fsr-3656	158	17	return	return	VERB
fsr-3656	158	18	to	to	ADP
fsr-3656	158	19	work	work	NOUN
fsr-3656	158	20	and	and	CCONJ
fsr-3656	158	21	,	,	PUNCT
fsr-3656	158	22	hence	hence	ADV
fsr-3656	158	23	,	,	PUNCT
fsr-3656	158	24	the	the	DET
fsr-3656	158	25	necessity	necessity	NOUN
fsr-3656	158	26	of	of	ADP
fsr-3656	158	27	rehabilitation	rehabilitation	NOUN
fsr-3656	158	28	efforts	effort	NOUN
fsr-3656	158	29	that	that	PRON
fsr-3656	158	30	may	may	AUX
fsr-3656	158	31	remove	remove	VERB
fsr-3656	158	32	many	many	ADJ
fsr-3656	158	33	individuals	individual	NOUN
fsr-3656	158	34	from	from	ADP
fsr-3656	158	35	ssdi	ssdi	PROPN
fsr-3656	158	36	rolls	roll	NOUN
fsr-3656	158	37	.	.	PUNCT
fsr-3656	159	1	workers	worker	NOUN
fsr-3656	159	2	’	'	PUNCT
fsr-3656	159	3	compensation	compensation	NOUN
fsr-3656	159	4	.	.	PUNCT
fsr-3656	160	1	all	all	DET
fsr-3656	160	2	workers	worker	NOUN
fsr-3656	160	3	’	'	PUNCT
fsr-3656	160	4	compensation	compensation	NOUN
fsr-3656	160	5	plans	plan	NOUN
fsr-3656	160	6	cover	cover	VERB
fsr-3656	160	7	occupationally	occupationally	ADV
fsr-3656	160	8	related	relate	VERB
fsr-3656	160	9	ltd	ltd	ADJ
fsr-3656	160	10	claims	claim	NOUN
fsr-3656	160	11	and	and	CCONJ
fsr-3656	160	12	most	most	ADJ
fsr-3656	160	13	states	state	NOUN
fsr-3656	160	14	require	require	VERB
fsr-3656	160	15	benefits	benefit	NOUN
fsr-3656	160	16	to	to	PART
fsr-3656	160	17	be	be	AUX
fsr-3656	160	18	paid	pay	VERB
fsr-3656	160	19	for	for	ADP
fsr-3656	160	20	the	the	DET
fsr-3656	160	21	entire	entire	ADJ
fsr-3656	160	22	life	life	NOUN
fsr-3656	160	23	of	of	ADP
fsr-3656	160	24	a	a	DET
fsr-3656	160	25	permanently	permanently	ADV
fsr-3656	160	26	disabled	disabled	ADJ
fsr-3656	160	27	worker	worker	NOUN
fsr-3656	160	28	.	.	PUNCT
fsr-3656	161	1	some	some	DET
fsr-3656	161	2	states	state	NOUN
fsr-3656	161	3	impose	impose	VERB
fsr-3656	161	4	limits	limit	NOUN
fsr-3656	161	5	on	on	ADP
fsr-3656	161	6	benefit	benefit	NOUN
fsr-3656	161	7	duration	duration	NOUN
fsr-3656	161	8	,	,	PUNCT
fsr-3656	161	9	however	however	ADV
fsr-3656	161	10	,	,	PUNCT
fsr-3656	161	11	with	with	ADP
fsr-3656	161	12	west	west	PROPN
fsr-3656	161	13	virginia	virginia	PROPN
fsr-3656	161	14	mandating	mandate	VERB
fsr-3656	161	15	the	the	DET
fsr-3656	161	16	shortest	short	ADJ
fsr-3656	161	17	limit	limit	NOUN
fsr-3656	161	18	of	of	ADP
fsr-3656	161	19	208	208	NUM
fsr-3656	161	20	weeks	week	NOUN
fsr-3656	161	21	.	.	PUNCT
fsr-3656	161	22	’	'	PUNCT
fsr-3656	162	1	a	a	DET
fsr-3656	162	2	substantial	substantial	ADJ
fsr-3656	162	3	majority	majority	NOUN
fsr-3656	162	4	of	of	ADP
fsr-3656	162	5	states	state	NOUN
fsr-3656	162	6	place	place	VERB
fsr-3656	162	7	no	no	DET
fsr-3656	162	8	cap	cap	NOUN
fsr-3656	162	9	on	on	ADP
fsr-3656	162	10	the	the	DET
fsr-3656	162	11	total	total	ADJ
fsr-3656	162	12	amount	amount	NOUN
fsr-3656	162	13	of	of	ADP
fsr-3656	162	14	disability	disability	NOUN
fsr-3656	162	15	income	income	NOUN
fsr-3656	162	16	benefits	benefit	NOUN
fsr-3656	162	17	paid	pay	VERB
fsr-3656	162	18	to	to	ADP
fsr-3656	162	19	a	a	DET
fsr-3656	162	20	worker	worker	NOUN
fsr-3656	162	21	,	,	PUNCT
fsr-3656	162	22	but	but	CCONJ
fsr-3656	162	23	a	a	DET
fsr-3656	162	24	significant	significant	ADJ
fsr-3656	162	25	minority	minority	NOUN
fsr-3656	162	26	do	do	AUX
fsr-3656	162	27	impose	impose	VERB
fsr-3656	162	28	such	such	ADJ
fsr-3656	162	29	limits	limit	NOUN
fsr-3656	162	30	,	,	PUNCT
fsr-3656	162	31	ranging	range	VERB
fsr-3656	162	32	from	from	ADP
fsr-3656	162	33	$	$	SYM
fsr-3656	162	34	45,000	45,000	NUM
fsr-3656	162	35	in	in	ADP
fsr-3656	162	36	maryland	maryland	NOUN
fsr-3656	162	37	to	to	ADP
fsr-3656	162	38	$	$	SYM
fsr-3656	162	39	198,590	198,590	NUM
fsr-3656	162	40	in	in	ADP
fsr-3656	162	41	new	new	PROPN
fsr-3656	162	42	mexico	mexico	PROPN
fsr-3656	162	43	during	during	ADP
fsr-3656	162	44	1989	1989	NUM
fsr-3656	162	45	.	.	PUNCT
fsr-3656	163	1	seventeen	seventeen	NUM
fsr-3656	163	2	states	state	NOUN
fsr-3656	163	3	require	require	VERB
fsr-3656	163	4	that	that	SCONJ
fsr-3656	163	5	any	any	DET
fsr-3656	163	6	social	social	ADJ
fsr-3656	163	7	security	security	NOUN
fsr-3656	163	8	disability	disability	NOUN
fsr-3656	163	9	benefits	benefit	NOUN
fsr-3656	163	10	and/	and/	PROPN
fsr-3656	163	11	or	or	CCONJ
fsr-3656	163	12	unemployment	unemployment	NOUN
fsr-3656	163	13	benefits	benefit	NOUN
fsr-3656	163	14	received	receive	VERB
fsr-3656	163	15	by	by	ADP
fsr-3656	163	16	the	the	DET
fsr-3656	163	17	disabled	disabled	ADJ
fsr-3656	163	18	earner	earner	NOUN
fsr-3656	163	19	be	be	AUX
fsr-3656	163	20	used	use	VERB
fsr-3656	163	21	as	as	ADP
fsr-3656	163	22	offsets	offset	NOUN
fsr-3656	163	23	70	70	NUM
fsr-3656	163	24	financial	financial	ADJ
fsr-3656	163	25	services	service	NOUN
fsr-3656	163	26	review	review	NOUN
fsr-3656	163	27	,	,	PUNCT
fsr-3656	163	28	l(1	l(1	PROPN
fsr-3656	163	29	)	)	PUNCT
fsr-3656	163	30	1991	1991	NUM
fsr-3656	163	31	against	against	ADP
fsr-3656	163	32	workers	worker	NOUN
fsr-3656	163	33	’	’	PART
fsr-3656	163	34	compensation	compensation	NOUN
fsr-3656	163	35	disability	disability	NOUN
fsr-3656	163	36	income	income	NOUN
fsr-3656	163	37	benefits	benefit	NOUN
fsr-3656	163	38	(	(	PUNCT
fsr-3656	163	39	u.s	u.s	PROPN
fsr-3656	163	40	.	.	PROPN
fsr-3656	163	41	chamber	chamber	PROPN
fsr-3656	163	42	of	of	ADP
fsr-3656	163	43	commerce	commerce	PROPN
fsr-3656	163	44	,	,	PUNCT
fsr-3656	163	45	1989	1989	NUM
fsr-3656	163	46	,	,	PUNCT
fsr-3656	163	47	pp	pp	ADP
fsr-3656	163	48	.	.	PUNCT
fsr-3656	164	1	18	18	NUM
fsr-3656	164	2	-	-	SYM
fsr-3656	164	3	20	20	NUM
fsr-3656	164	4	)	)	PUNCT
fsr-3656	164	5	.	.	PUNCT
fsr-3656	165	1	federal	federal	ADJ
fsr-3656	165	2	law	law	NOUN
fsr-3656	165	3	generally	generally	ADV
fsr-3656	165	4	requires	require	VERB
fsr-3656	165	5	social	social	ADJ
fsr-3656	165	6	security	security	NOUN
fsr-3656	165	7	benefits	benefit	NOUN
fsr-3656	165	8	to	to	PART
fsr-3656	165	9	be	be	AUX
fsr-3656	165	10	supplemental	supplemental	ADJ
fsr-3656	165	11	to	to	ADP
fsr-3656	165	12	state	state	NOUN
fsr-3656	165	13	workers’compensation	workers’compensation	NOUN
fsr-3656	165	14	benefits	benefit	NOUN
fsr-3656	165	15	,	,	PUNCT
fsr-3656	165	16	but	but	CCONJ
fsr-3656	165	17	excepts	except	VERB
fsr-3656	165	18	these	these	DET
fsr-3656	165	19	17	17	NUM
fsr-3656	165	20	states	state	NOUN
fsr-3656	165	21	,	,	PUNCT
fsr-3656	165	22	which	which	PRON
fsr-3656	165	23	passed	pass	VERB
fsr-3656	165	24	“	"	PUNCT
fsr-3656	165	25	reverse	reverse	NOUN
fsr-3656	165	26	”	"	PUNCT
fsr-3656	165	27	offset	offset	VERB
fsr-3656	165	28	laws	law	NOUN
fsr-3656	165	29	prior	prior	ADV
fsr-3656	165	30	to	to	ADP
fsr-3656	165	31	february	february	PROPN
fsr-3656	165	32	1981	1981	NUM
fsr-3656	165	33	.	.	PUNCT
fsr-3656	166	1	devol(l986	devol(l986	ADV
fsr-3656	166	2	)	)	PUNCT
fsr-3656	166	3	investigates	investigate	VERB
fsr-3656	166	4	the	the	DET
fsr-3656	166	5	extent	extent	NOUN
fsr-3656	166	6	to	to	PART
fsr-3656	166	7	which	which	PRON
fsr-3656	166	8	workers	worker	NOUN
fsr-3656	166	9	’	'	PUNCT
fsr-3656	166	10	compensation	compensation	NOUN
fsr-3656	166	11	plans	plan	NOUN
fsr-3656	166	12	can	can	AUX
fsr-3656	166	13	replace	replace	VERB
fsr-3656	166	14	the	the	DET
fsr-3656	166	15	pre	pre	ADJ
fsr-3656	166	16	-	-	ADJ
fsr-3656	166	17	disability	disability	ADJ
fsr-3656	166	18	income	income	NOUN
fsr-3656	166	19	of	of	ADP
fsr-3656	166	20	the	the	DET
fsr-3656	166	21	average	average	ADJ
fsr-3656	166	22	worker	worker	NOUN
fsr-3656	166	23	in	in	ADP
fsr-3656	166	24	a	a	DET
fsr-3656	166	25	high	high	ADJ
fsr-3656	166	26	-	-	PUNCT
fsr-3656	166	27	benefit	benefit	NOUN
fsr-3656	166	28	state	state	NOUN
fsr-3656	166	29	(	(	PUNCT
fsr-3656	166	30	massachusetts	massachusetts	PROPN
fsr-3656	166	31	)	)	PUNCT
fsr-3656	166	32	and	and	CCONJ
fsr-3656	166	33	a	a	DET
fsr-3656	166	34	low	low	ADJ
fsr-3656	166	35	-	-	PUNCT
fsr-3656	166	36	benefit	benefit	NOUN
fsr-3656	166	37	state	state	NOUN
fsr-3656	166	38	(	(	PUNCT
fsr-3656	166	39	georgia	georgia	PROPN
fsr-3656	166	40	)	)	PUNCT
fsr-3656	166	41	.	.	PUNCT
fsr-3656	167	1	she	she	PRON
fsr-3656	167	2	constructs	construct	VERB
fsr-3656	167	3	expected	expect	VERB
fsr-3656	167	4	value	value	NOUN
fsr-3656	167	5	models	model	NOUN
fsr-3656	167	6	that	that	PRON
fsr-3656	167	7	incorporate	incorporate	VERB
fsr-3656	167	8	such	such	ADJ
fsr-3656	167	9	factors	factor	NOUN
fsr-3656	167	10	as	as	ADP
fsr-3656	167	11	workers	worker	NOUN
fsr-3656	167	12	’	'	PUNCT
fsr-3656	167	13	compensation	compensation	NOUN
fsr-3656	167	14	claims	claim	NOUN
fsr-3656	167	15	experience	experience	NOUN
fsr-3656	167	16	,	,	PUNCT
fsr-3656	167	17	wage	wage	NOUN
fsr-3656	167	18	inflation	inflation	NOUN
fsr-3656	167	19	and	and	CCONJ
fsr-3656	167	20	life	life	NOUN
fsr-3656	167	21	cycles	cycle	NOUN
fsr-3656	167	22	,	,	PUNCT
fsr-3656	167	23	employee	employee	NOUN
fsr-3656	167	24	benefit	benefit	NOUN
fsr-3656	167	25	losses	loss	NOUN
fsr-3656	167	26	,	,	PUNCT
fsr-3656	167	27	and	and	CCONJ
fsr-3656	167	28	typical	typical	ADJ
fsr-3656	167	29	worklife	worklife	NOUN
fsr-3656	167	30	experience	experience	NOUN
fsr-3656	167	31	.	.	PUNCT
fsr-3656	168	1	her	her	PRON
fsr-3656	168	2	results	result	NOUN
fsr-3656	168	3	indicate	indicate	VERB
fsr-3656	168	4	that	that	SCONJ
fsr-3656	168	5	,	,	PUNCT
fsr-3656	168	6	on	on	ADP
fsr-3656	168	7	an	an	DET
fsr-3656	168	8	after	after	ADP
fsr-3656	168	9	-	-	PUNCT
fsr-3656	168	10	tax	tax	NOUN
fsr-3656	168	11	basis	basis	NOUN
fsr-3656	168	12	,	,	PUNCT
fsr-3656	168	13	workers	worker	NOUN
fsr-3656	168	14	’	'	PUNCT
fsr-3656	168	15	compensation	compensation	NOUN
fsr-3656	168	16	benefits	benefit	NOUN
fsr-3656	168	17	replace	replace	VERB
fsr-3656	168	18	over	over	ADP
fsr-3656	168	19	85	85	NUM
fsr-3656	168	20	percent	percent	NOUN
fsr-3656	168	21	of	of	ADP
fsr-3656	168	22	the	the	DET
fsr-3656	168	23	worker	worker	NOUN
fsr-3656	168	24	’s	’s	PART
fsr-3656	168	25	income	income	NOUN
fsr-3656	168	26	for	for	ADP
fsr-3656	168	27	disabilities	disability	NOUN
fsr-3656	168	28	lasting	last	VERB
fsr-3656	168	29	one	one	NUM
fsr-3656	168	30	year	year	NOUN
fsr-3656	168	31	.	.	PUNCT
fsr-3656	169	1	for	for	ADP
fsr-3656	169	2	longer	long	ADJ
fsr-3656	169	3	-	-	PUNCT
fsr-3656	169	4	term	term	NOUN
fsr-3656	169	5	disabilities	disability	NOUN
fsr-3656	169	6	,	,	PUNCT
fsr-3656	169	7	income	income	NOUN
fsr-3656	169	8	replacement	replacement	NOUN
fsr-3656	169	9	ratios	ratio	NOUN
fsr-3656	169	10	drop	drop	VERB
fsr-3656	169	11	to	to	ADP
fsr-3656	169	12	as	as	ADV
fsr-3656	169	13	low	low	ADJ
fsr-3656	169	14	as	as	ADP
fsr-3656	169	15	40	40	NUM
fsr-3656	169	16	percent	percent	NOUN
fsr-3656	169	17	of	of	ADP
fsr-3656	169	18	after	after	ADP
fsr-3656	169	19	-	-	PUNCT
fsr-3656	169	20	tax	tax	NOUN
fsr-3656	169	21	income	income	NOUN
fsr-3656	169	22	.	.	PUNCT
fsr-3656	170	1	if	if	SCONJ
fsr-3656	170	2	the	the	DET
fsr-3656	170	3	state	state	NOUN
fsr-3656	170	4	of	of	ADP
fsr-3656	170	5	residence	residence	NOUN
fsr-3656	170	6	does	do	AUX
fsr-3656	170	7	not	not	PART
fsr-3656	170	8	use	use	VERB
fsr-3656	170	9	a	a	DET
fsr-3656	170	10	social	social	ADJ
fsr-3656	170	11	security	security	NOUN
fsr-3656	170	12	offset	offset	NOUN
fsr-3656	170	13	,	,	PUNCT
fsr-3656	170	14	the	the	DET
fsr-3656	170	15	income	income	NOUN
fsr-3656	170	16	replacement	replacement	NOUN
fsr-3656	170	17	ratios	ratio	NOUN
fsr-3656	170	18	are	be	AUX
fsr-3656	170	19	raised	raise	VERB
fsr-3656	170	20	significantly	significantly	ADV
fsr-3656	170	21	.	.	PUNCT
fsr-3656	171	1	workers	worker	NOUN
fsr-3656	171	2	’	'	PUNCT
fsr-3656	171	3	compensation	compensation	NOUN
fsr-3656	171	4	plans	plan	NOUN
fsr-3656	171	5	pay	pay	VERB
fsr-3656	171	6	both	both	PRON
fsr-3656	171	7	std	std	NOUN
fsr-3656	171	8	and	and	CCONJ
fsr-3656	171	9	ltd	ltd	PROPN
fsr-3656	171	10	benefits	benefit	NOUN
fsr-3656	171	11	.	.	PUNCT
fsr-3656	172	1	nelson	nelson	PROPN
fsr-3656	172	2	(	(	PUNCT
fsr-3656	172	3	1988b	1988b	NUM
fsr-3656	172	4	)	)	PUNCT
fsr-3656	172	5	reports	report	VERB
fsr-3656	172	6	that	that	SCONJ
fsr-3656	172	7	approximately	approximately	ADV
fsr-3656	172	8	75	75	NUM
fsr-3656	172	9	percent	percent	NOUN
fsr-3656	172	10	of	of	ADP
fsr-3656	172	11	all	all	DET
fsr-3656	172	12	workers	worker	NOUN
fsr-3656	172	13	’	'	PUNCT
fsr-3656	172	14	compensation	compensation	NOUN
fsr-3656	172	15	claims	claim	NOUN
fsr-3656	172	16	are	be	AUX
fsr-3656	172	17	for	for	ADP
fsr-3656	172	18	std	std	NOUN
fsr-3656	172	19	,	,	PUNCT
fsr-3656	172	20	yet	yet	CCONJ
fsr-3656	172	21	the	the	DET
fsr-3656	172	22	25	25	NUM
fsr-3656	172	23	percent	percent	NOUN
fsr-3656	172	24	pertaining	pertain	VERB
fsr-3656	172	25	to	to	ADP
fsr-3656	172	26	ltd	ltd	PROPN
fsr-3656	172	27	claims	claim	NOUN
fsr-3656	172	28	account	account	VERB
fsr-3656	172	29	for	for	ADP
fsr-3656	172	30	75	75	NUM
fsr-3656	172	31	percent	percent	NOUN
fsr-3656	172	32	of	of	ADP
fsr-3656	172	33	the	the	DET
fsr-3656	172	34	benefits	benefit	NOUN
fsr-3656	172	35	paid	pay	VERB
fsr-3656	172	36	by	by	ADP
fsr-3656	172	37	these	these	DET
fsr-3656	172	38	plans	plan	NOUN
fsr-3656	172	39	.	.	PUNCT
fsr-3656	173	1	despite	despite	SCONJ
fsr-3656	173	2	the	the	DET
fsr-3656	173	3	large	large	ADJ
fsr-3656	173	4	proportion	proportion	NOUN
fsr-3656	173	5	of	of	ADP
fsr-3656	173	6	benefits	benefit	NOUN
fsr-3656	173	7	paid	pay	VERB
fsr-3656	173	8	by	by	ADP
fsr-3656	173	9	workers	worker	NOUN
fsr-3656	173	10	’	'	PUNCT
fsr-3656	173	11	compensation	compensation	NOUN
fsr-3656	173	12	plans	plan	NOUN
fsr-3656	173	13	for	for	ADP
fsr-3656	173	14	ltd	ltd	PROPN
fsr-3656	173	15	claims	claim	NOUN
fsr-3656	173	16	,	,	PUNCT
fsr-3656	173	17	this	this	DET
fsr-3656	173	18	source	source	NOUN
fsr-3656	173	19	may	may	AUX
fsr-3656	173	20	represent	represent	VERB
fsr-3656	173	21	a	a	DET
fsr-3656	173	22	relatively	relatively	ADV
fsr-3656	173	23	small	small	ADJ
fsr-3656	173	24	factor	factor	NOUN
fsr-3656	173	25	for	for	ADP
fsr-3656	173	26	disabled	disabled	ADJ
fsr-3656	173	27	individuals	individual	NOUN
fsr-3656	173	28	in	in	ADP
fsr-3656	173	29	the	the	DET
fsr-3656	173	30	u.s	u.s	PROPN
fsr-3656	173	31	.	.	PROPN
fsr-3656	173	32	packard	packard	PROPN
fsr-3656	173	33	(	(	PUNCT
fsr-3656	173	34	1987	1987	NUM
fsr-3656	173	35	)	)	PUNCT
fsr-3656	173	36	reports	report	VERB
fsr-3656	173	37	that	that	SCONJ
fsr-3656	173	38	,	,	PUNCT
fsr-3656	173	39	among	among	ADP
fsr-3656	173	40	beneficiaries	beneficiary	NOUN
fsr-3656	173	41	of	of	ADP
fsr-3656	173	42	social	social	ADJ
fsr-3656	173	43	security	security	NOUN
fsr-3656	173	44	disability	disability	NOUN
fsr-3656	173	45	payments	payment	NOUN
fsr-3656	173	46	,	,	PUNCT
fsr-3656	173	47	less	less	ADJ
fsr-3656	173	48	than	than	ADP
fsr-3656	173	49	3	3	NUM
fsr-3656	173	50	percent	percent	NOUN
fsr-3656	173	51	of	of	ADP
fsr-3656	173	52	total	total	ADJ
fsr-3656	173	53	income	income	NOUN
fsr-3656	173	54	is	be	AUX
fsr-3656	173	55	supplied	supply	VERB
fsr-3656	173	56	by	by	ADP
fsr-3656	173	57	workers	worker	NOUN
fsr-3656	173	58	’	'	PUNCT
fsr-3656	173	59	compensation	compensation	NOUN
fsr-3656	173	60	plans	plan	NOUN
fsr-3656	173	61	.	.	PUNCT
fsr-3656	174	1	these	these	DET
fsr-3656	174	2	data	datum	NOUN
fsr-3656	174	3	do	do	AUX
fsr-3656	174	4	underestimate	underestimate	VERB
fsr-3656	174	5	somewhat	somewhat	ADV
fsr-3656	174	6	the	the	DET
fsr-3656	174	7	impact	impact	NOUN
fsr-3656	174	8	of	of	ADP
fsr-3656	174	9	workers	worker	NOUN
fsr-3656	174	10	’	'	PUNCT
fsr-3656	174	11	compensation	compensation	NOUN
fsr-3656	174	12	because	because	SCONJ
fsr-3656	174	13	of	of	ADP
fsr-3656	174	14	the	the	DET
fsr-3656	174	15	social	social	ADJ
fsr-3656	174	16	security	security	NOUN
fsr-3656	174	17	benefit	benefit	NOUN
fsr-3656	174	18	offsets	offset	NOUN
fsr-3656	174	19	implemented	implement	VERB
fsr-3656	174	20	in	in	ADP
fsr-3656	174	21	17	17	NUM
fsr-3656	174	22	states	state	NOUN
fsr-3656	174	23	,	,	PUNCT
fsr-3656	174	24	however	however	ADV
fsr-3656	174	25	.	.	PUNCT
fsr-3656	175	1	hansen	hansen	PROPN
fsr-3656	175	2	,	,	PUNCT
fsr-3656	175	3	macavoy	macavoy	NOUN
fsr-3656	175	4	,	,	PUNCT
fsr-3656	175	5	and	and	CCONJ
fsr-3656	175	6	smith	smith	PROPN
fsr-3656	175	7	(	(	PUNCT
fsr-3656	175	8	hms	hms	PROPN
fsr-3656	175	9	)	)	PUNCT
fsr-3656	175	10	(	(	PUNCT
fsr-3656	175	11	1989	1989	NUM
fsr-3656	175	12	)	)	PUNCT
fsr-3656	175	13	provide	provide	VERB
fsr-3656	175	14	a	a	DET
fsr-3656	175	15	broad	broad	ADJ
fsr-3656	175	16	view	view	NOUN
fsr-3656	175	17	of	of	ADP
fsr-3656	175	18	programs	program	NOUN
fsr-3656	175	19	,	,	PUNCT
fsr-3656	175	20	including	include	VERB
fsr-3656	175	21	workers	worker	NOUN
fsr-3656	175	22	’	'	PUNCT
fsr-3656	175	23	compensation	compensation	NOUN
fsr-3656	175	24	,	,	PUNCT
fsr-3656	175	25	that	that	PRON
fsr-3656	175	26	deliver	deliver	VERB
fsr-3656	175	27	benefits	benefit	NOUN
fsr-3656	175	28	to	to	ADP
fsr-3656	175	29	earners	earner	NOUN
fsr-3656	175	30	suffering	suffer	VERB
fsr-3656	175	31	from	from	ADP
fsr-3656	175	32	occupationally	occupationally	ADV
fsr-3656	175	33	related	relate	VERB
fsr-3656	175	34	disease	disease	NOUN
fsr-3656	175	35	or	or	CCONJ
fsr-3656	175	36	disability	disability	NOUN
fsr-3656	175	37	.	.	PUNCT
fsr-3656	176	1	hms	hms	PROPN
fsr-3656	176	2	categorize	categorize	VERB
fsr-3656	176	3	the	the	DET
fsr-3656	176	4	various	various	ADJ
fsr-3656	176	5	types	type	NOUN
fsr-3656	176	6	of	of	ADP
fsr-3656	176	7	programs	program	NOUN
fsr-3656	176	8	and	and	CCONJ
fsr-3656	176	9	supply	supply	VERB
fsr-3656	176	10	a	a	DET
fsr-3656	176	11	general	general	ADJ
fsr-3656	176	12	analysis	analysis	NOUN
fsr-3656	176	13	of	of	ADP
fsr-3656	176	14	how	how	SCONJ
fsr-3656	176	15	major	major	ADJ
fsr-3656	176	16	attributes	attribute	NOUN
fsr-3656	176	17	of	of	ADP
fsr-3656	176	18	each	each	DET
fsr-3656	176	19	program	program	NOUN
fsr-3656	176	20	affect	affect	VERB
fsr-3656	176	21	claims	claim	NOUN
fsr-3656	176	22	,	,	PUNCT
fsr-3656	176	23	administrative	administrative	ADJ
fsr-3656	176	24	costs	cost	NOUN
fsr-3656	176	25	,	,	PUNCT
fsr-3656	176	26	compensation	compensation	NOUN
fsr-3656	176	27	errors	error	NOUN
fsr-3656	176	28	,	,	PUNCT
fsr-3656	176	29	and	and	CCONJ
fsr-3656	176	30	worker	worker	NOUN
fsr-3656	176	31	safety	safety	NOUN
fsr-3656	176	32	from	from	ADP
fsr-3656	176	33	the	the	DET
fsr-3656	176	34	perspective	perspective	NOUN
fsr-3656	176	35	of	of	ADP
fsr-3656	176	36	the	the	DET
fsr-3656	176	37	public	public	ADJ
fsr-3656	176	38	policymaker	policymaker	NOUN
fsr-3656	176	39	.	.	PUNCT
fsr-3656	177	1	while	while	SCONJ
fsr-3656	177	2	public	public	PROPN
fsr-3656	177	3	ltd	ltd	PROPN
fsr-3656	177	4	benefit	benefit	NOUN
fsr-3656	177	5	programs	program	NOUN
fsr-3656	177	6	are	be	AUX
fsr-3656	177	7	demonstrably	demonstrably	ADV
fsr-3656	177	8	important	important	ADJ
fsr-3656	177	9	to	to	ADP
fsr-3656	177	10	the	the	DET
fsr-3656	177	11	average	average	ADJ
fsr-3656	177	12	earner	earner	NOUN
fsr-3656	177	13	in	in	ADP
fsr-3656	177	14	the	the	DET
fsr-3656	177	15	u.s	u.s	PROPN
fsr-3656	177	16	.	.	PROPN
fsr-3656	177	17	,	,	PUNCT
fsr-3656	177	18	private	private	ADJ
fsr-3656	177	19	sources	source	NOUN
fsr-3656	177	20	may	may	AUX
fsr-3656	177	21	be	be	AUX
fsr-3656	177	22	of	of	ADP
fsr-3656	177	23	greater	great	ADJ
fsr-3656	177	24	importance	importance	NOUN
fsr-3656	177	25	to	to	ADP
fsr-3656	177	26	upper	upper	ADJ
fsr-3656	177	27	-	-	PUNCT
fsr-3656	177	28	middle	middle	ADJ
fsr-3656	177	29	and	and	CCONJ
fsr-3656	177	30	upper	upper	ADJ
fsr-3656	177	31	class	class	NOUN
fsr-3656	177	32	earners	earner	NOUN
fsr-3656	177	33	.	.	PUNCT
fsr-3656	178	1	the	the	DET
fsr-3656	178	2	researcher	researcher	NOUN
fsr-3656	178	3	must	must	AUX
fsr-3656	178	4	be	be	AUX
fsr-3656	178	5	aware	aware	ADJ
fsr-3656	178	6	of	of	ADP
fsr-3656	178	7	how	how	SCONJ
fsr-3656	178	8	public	public	ADJ
fsr-3656	178	9	programs	program	NOUN
fsr-3656	178	10	may	may	AUX
fsr-3656	178	11	affect	affect	VERB
fsr-3656	178	12	both	both	DET
fsr-3656	178	13	private	private	ADJ
fsr-3656	178	14	markets	market	NOUN
fsr-3656	178	15	and	and	CCONJ
fsr-3656	178	16	individual	individual	ADJ
fsr-3656	178	17	decisions	decision	NOUN
fsr-3656	178	18	,	,	PUNCT
fsr-3656	178	19	however	however	ADV
fsr-3656	178	20	.	.	PUNCT
fsr-3656	179	1	table	table	NOUN
fsr-3656	179	2	1	1	NUM
fsr-3656	179	3	summarizes	summarize	NOUN
fsr-3656	179	4	some	some	DET
fsr-3656	179	5	major	major	ADJ
fsr-3656	179	6	provisions	provision	NOUN
fsr-3656	179	7	of	of	ADP
fsr-3656	179	8	public	public	ADJ
fsr-3656	179	9	programs	program	NOUN
fsr-3656	179	10	applicable	applicable	ADJ
fsr-3656	179	11	for	for	ADP
fsr-3656	179	12	u.s	u.s	PROPN
fsr-3656	179	13	.	.	PROPN
fsr-3656	179	14	citizens	citizen	NOUN
fsr-3656	179	15	employed	employ	VERB
fsr-3656	179	16	in	in	ADP
fsr-3656	179	17	the	the	DET
fsr-3656	179	18	states	state	NOUN
fsr-3656	179	19	of	of	ADP
fsr-3656	179	20	new	new	PROPN
fsr-3656	179	21	york	york	PROPN
fsr-3656	179	22	and	and	CCONJ
fsr-3656	179	23	texas	texas	PROPN
fsr-3656	179	24	.	.	PUNCT
fsr-3656	180	1	as	as	SCONJ
fsr-3656	180	2	shown	show	VERB
fsr-3656	180	3	in	in	ADP
fsr-3656	180	4	the	the	DET
fsr-3656	180	5	table	table	NOUN
fsr-3656	180	6	,	,	PUNCT
fsr-3656	180	7	individuals	individual	NOUN
fsr-3656	180	8	employed	employ	VERB
fsr-3656	180	9	in	in	ADP
fsr-3656	180	10	these	these	DET
fsr-3656	180	11	two	two	NUM
fsr-3656	180	12	diverse	diverse	ADJ
fsr-3656	180	13	states	state	NOUN
fsr-3656	180	14	are	be	AUX
fsr-3656	180	15	subject	subject	ADJ
fsr-3656	180	16	to	to	ADP
fsr-3656	180	17	very	very	ADV
fsr-3656	180	18	different	different	ADJ
fsr-3656	180	19	“	"	PUNCT
fsr-3656	180	20	safety	safety	NOUN
fsr-3656	180	21	nets	net	NOUN
fsr-3656	180	22	”	"	PUNCT
fsr-3656	180	23	of	of	ADP
fsr-3656	180	24	publicly	publicly	ADV
fsr-3656	180	25	funded	fund	VERB
fsr-3656	180	26	disability	disability	NOUN
fsr-3656	180	27	protection	protection	NOUN
fsr-3656	180	28	that	that	PRON
fsr-3656	180	29	apply	apply	VERB
fsr-3656	180	30	even	even	ADV
fsr-3656	180	31	before	before	SCONJ
fsr-3656	180	32	private	private	ADJ
fsr-3656	180	33	plans	plan	NOUN
fsr-3656	180	34	are	be	AUX
fsr-3656	180	35	considered	consider	VERB
fsr-3656	180	36	.	.	PUNCT
fsr-3656	181	1	in	in	ADP
fsr-3656	181	2	the	the	DET
fsr-3656	181	3	next	next	ADJ
fsr-3656	181	4	section	section	NOUN
fsr-3656	181	5	,	,	PUNCT
fsr-3656	181	6	private	private	PROPN
fsr-3656	181	7	ltd	ltd	PROPN
fsr-3656	181	8	plans	plan	NOUN
fsr-3656	181	9	are	be	AUX
fsr-3656	181	10	examined	examine	VERB
fsr-3656	181	11	.	.	PUNCT
fsr-3656	182	1	71	71	NUM
fsr-3656	182	2	public	public	ADJ
fsr-3656	182	3	disability	disability	NOUN
fsr-3656	182	4	protection	protection	NOUN
fsr-3656	182	5	plans	plan	NOUN
fsr-3656	182	6	available	available	ADJ
fsr-3656	182	7	to	to	ADP
fsr-3656	182	8	individuals	individual	NOUN
fsr-3656	182	9	on	on	ADP
fsr-3656	182	10	january	january	PROPN
fsr-3656	182	11	1	1	NUM
fsr-3656	182	12	,	,	PUNCT
fsr-3656	182	13	1989	1989	NUM
fsr-3656	182	14	plan	plan	NOUN
fsr-3656	182	15	state	state	NOUN
fsr-3656	182	16	provisions	provision	NOUN
fsr-3656	182	17	workers	worker	NOUN
fsr-3656	182	18	compensation	compensation	VERB
fsr-3656	182	19	new	new	PROPN
fsr-3656	182	20	york	york	PROPN
fsr-3656	182	21	texas	texas	PROPN
fsr-3656	182	22	temporary	temporary	PROPN
fsr-3656	182	23	new	new	PROPN
fsr-3656	182	24	york	york	PROPN
fsr-3656	182	25	texas	texas	PROPN
fsr-3656	182	26	social	social	PROPN
fsr-3656	182	27	security	security	NOUN
fsr-3656	182	28	all	all	DET
fsr-3656	182	29	2/	2/	NUM
fsr-3656	182	30	3	3	NUM
fsr-3656	182	31	x	x	NOUN
fsr-3656	182	32	compensation	compensation	NOUN
fsr-3656	182	33	weekly	weekly	ADJ
fsr-3656	182	34	maximum	maximum	NOUN
fsr-3656	182	35	:	:	PUNCT
fsr-3656	182	36	$	$	SYM
fsr-3656	182	37	300	300	NUM
fsr-3656	182	38	maximum	maximum	ADJ
fsr-3656	182	39	duration	duration	NOUN
fsr-3656	182	40	:	:	PUNCT
fsr-3656	182	41	life	life	NOUN
fsr-3656	182	42	elimination	elimination	NOUN
fsr-3656	182	43	period	period	NOUN
fsr-3656	182	44	:	:	PUNCT
fsr-3656	182	45	7	7	NUM
fsr-3656	182	46	days	day	NOUN
fsr-3656	182	47	social	social	ADJ
fsr-3656	182	48	security	security	NOUN
fsr-3656	182	49	offset	offset	VERB
fsr-3656	182	50	213	213	NUM
fsr-3656	182	51	x	x	SYM
fsr-3656	182	52	compensation	compensation	NOUN
fsr-3656	182	53	weekly	weekly	ADJ
fsr-3656	182	54	maximum	maximum	NOUN
fsr-3656	182	55	:	:	PUNCT
fsr-3656	183	1	$	$	SYM
fsr-3656	183	2	238	238	NUM
fsr-3656	183	3	maximum	maximum	ADJ
fsr-3656	183	4	duration	duration	NOUN
fsr-3656	183	5	:	:	PUNCT
fsr-3656	183	6	401	401	NUM
fsr-3656	183	7	weeks	week	NOUN
fsr-3656	183	8	elimination	elimination	NOUN
fsr-3656	183	9	period	period	NOUN
fsr-3656	183	10	:	:	PUNCT
fsr-3656	183	11	i	i	PRON
fsr-3656	183	12	days	day	VERB
fsr-3656	183	13	no	no	DET
fsr-3656	183	14	social	social	ADJ
fsr-3656	183	15	security	security	NOUN
fsr-3656	183	16	offset	offset	VERB
fsr-3656	183	17	l/	l/	X
fsr-3656	183	18	2	2	NUM
fsr-3656	183	19	x	x	SYM
fsr-3656	183	20	compensation	compensation	NOUN
fsr-3656	183	21	weekly	weekly	ADJ
fsr-3656	183	22	maximum	maximum	NOUN
fsr-3656	183	23	:	:	PUNCT
fsr-3656	183	24	$	$	SYM
fsr-3656	183	25	170	170	NUM
fsr-3656	183	26	maximum	maximum	ADJ
fsr-3656	183	27	duration	duration	NOUN
fsr-3656	183	28	:	:	PUNCT
fsr-3656	183	29	26	26	NUM
fsr-3656	183	30	weeks	week	NOUN
fsr-3656	183	31	elimination	elimination	NOUN
fsr-3656	183	32	period	period	NOUN
fsr-3656	183	33	:	:	PUNCT
fsr-3656	183	34	7	7	NUM
fsr-3656	183	35	days	day	NOUN
fsr-3656	183	36	covers	cover	VERB
fsr-3656	183	37	non	non	ADJ
fsr-3656	183	38	-	-	ADJ
fsr-3656	183	39	occupational	occupational	ADJ
fsr-3656	183	40	disability	disability	NOUN
fsr-3656	183	41	only	only	ADV
fsr-3656	183	42	no	no	DET
fsr-3656	183	43	plan	plan	NOUN
fsr-3656	183	44	benefits	benefit	NOUN
fsr-3656	183	45	based	base	VERB
fsr-3656	183	46	on	on	ADP
fsr-3656	183	47	compensation	compensation	NOUN
fsr-3656	183	48	and	and	CCONJ
fsr-3656	183	49	family	family	NOUN
fsr-3656	183	50	size	size	NOUN
fsr-3656	183	51	monthly	monthly	ADJ
fsr-3656	183	52	maximum	maximum	NOUN
fsr-3656	183	53	:	:	PUNCT
fsr-3656	183	54	$	$	SYM
fsr-3656	183	55	t	t	NOUN
fsr-3656	183	56	,	,	PUNCT
fsr-3656	183	57	090/	090/	ADJ
fsr-3656	183	58	individual	individual	ADJ
fsr-3656	183	59	$	$	SYM
fsr-3656	183	60	1$35	1$35	NOUN
fsr-3656	183	61	/	/	SYM
fsr-3656	183	62	family	family	NOUN
fsr-3656	183	63	maximum	maximum	ADJ
fsr-3656	183	64	duration	duration	NOUN
fsr-3656	183	65	:	:	PUNCT
fsr-3656	183	66	age	age	NOUN
fsr-3656	183	67	65	65	NUM
fsr-3656	183	68	l	l	NOUN
fsr-3656	183	69	elimination	elimination	NOUN
fsr-3656	183	70	period	period	NOUN
fsr-3656	183	71	:	:	PUNCT
fsr-3656	183	72	5	5	NUM
fsr-3656	183	73	months	month	NOUN
fsr-3656	183	74	l	l	NOUN
fsr-3656	183	75	workers	worker	NOUN
fsr-3656	183	76	compensation	compensation	PROPN
fsr-3656	183	77	offset	offset	VERB
fsr-3656	183	78	sources	source	NOUN
fsr-3656	183	79	:	:	PUNCT
fsr-3656	183	80	u.s	u.s	PROPN
fsr-3656	183	81	.	.	PROPN
fsr-3656	183	82	chamber	chamber	PROPN
fsr-3656	183	83	of	of	ADP
fsr-3656	183	84	commerce	commerce	PROPN
fsr-3656	183	85	(	(	PUNCT
fsr-3656	183	86	i989	i989	PROPN
fsr-3656	183	87	)	)	PUNCT
fsr-3656	183	88	,	,	PUNCT
fsr-3656	183	89	hay/	hay/	PROPN
fsr-3656	183	90	huggins	huggins	PROPN
fsr-3656	183	91	(	(	PUNCT
fsr-3656	183	92	1990	1990	NUM
fsr-3656	183	93	)	)	PUNCT
fsr-3656	183	94	.	.	PUNCT
fsr-3656	184	1	private	private	ADJ
fsr-3656	184	2	sources	source	NOUN
fsr-3656	184	3	.	.	PUNCT
fsr-3656	185	1	the	the	DET
fsr-3656	185	2	preponderance	preponderance	NOUN
fsr-3656	185	3	of	of	ADP
fsr-3656	185	4	ltd	ltd	PROPN
fsr-3656	185	5	insurance	insurance	NOUN
fsr-3656	185	6	contracts	contract	NOUN
fsr-3656	185	7	in	in	ADP
fsr-3656	185	8	the	the	DET
fsr-3656	185	9	u.s	u.s	PROPN
fsr-3656	185	10	.	.	PROPN
fsr-3656	185	11	are	be	AUX
fsr-3656	185	12	provided	provide	VERB
fsr-3656	185	13	to	to	ADP
fsr-3656	185	14	individuals	individual	NOUN
fsr-3656	185	15	through	through	ADP
fsr-3656	185	16	employer	employer	NOUN
fsr-3656	185	17	group	group	NOUN
fsr-3656	185	18	plans	plan	NOUN
fsr-3656	185	19	.	.	PUNCT
fsr-3656	186	1	data	datum	NOUN
fsr-3656	186	2	from	from	ADP
fsr-3656	186	3	the	the	DET
fsr-3656	186	4	1988	1988	NUM
fsr-3656	186	5	update	update	NOUN
fsr-3656	186	6	:	:	PUNCT
fsr-3656	186	7	source	source	NOUN
fsr-3656	186	8	book	book	NOUN
fsr-3656	186	9	of	of	ADP
fsr-3656	186	10	wealth	wealth	NOUN
fsr-3656	186	11	insurance	insurance	NOUN
fsr-3656	186	12	data	datum	NOUN
fsr-3656	186	13	coupled	couple	VERB
fsr-3656	186	14	with	with	ADP
fsr-3656	186	15	general	general	ADJ
fsr-3656	186	16	population	population	NOUN
fsr-3656	186	17	data	datum	NOUN
fsr-3656	186	18	indicates	indicate	VERB
fsr-3656	186	19	that	that	SCONJ
fsr-3656	186	20	approximately	approximately	ADV
fsr-3656	186	21	15	15	NUM
fsr-3656	186	22	percent	percent	NOUN
fsr-3656	186	23	of	of	ADP
fsr-3656	186	24	the	the	DET
fsr-3656	186	25	working	work	VERB
fsr-3656	186	26	population	population	NOUN
fsr-3656	186	27	is	be	AUX
fsr-3656	186	28	covered	cover	VERB
fsr-3656	186	29	by	by	ADP
fsr-3656	186	30	private	private	ADJ
fsr-3656	186	31	group	group	PROPN
fsr-3656	186	32	ltd	ltd	PROPN
fsr-3656	186	33	plans	plan	NOUN
fsr-3656	186	34	,	,	PUNCT
fsr-3656	186	35	while	while	SCONJ
fsr-3656	186	36	about	about	ADV
fsr-3656	186	37	7	7	NUM
fsr-3656	186	38	percent	percent	NOUN
fsr-3656	186	39	own	own	ADJ
fsr-3656	186	40	private	private	ADJ
fsr-3656	186	41	individual	individual	ADJ
fsr-3656	186	42	policies	policy	NOUN
fsr-3656	186	43	.	.	PUNCT
fsr-3656	187	1	the	the	DET
fsr-3656	187	2	u.s	u.s	PROPN
fsr-3656	187	3	.	.	PROPN
fsr-3656	187	4	bureau	bureau	PROPN
fsr-3656	187	5	of	of	ADP
fsr-3656	187	6	labor	labor	PROPN
fsr-3656	187	7	statistics	statistic	NOUN
fsr-3656	187	8	(	(	PUNCT
fsr-3656	187	9	bls	bls	PROPN
fsr-3656	187	10	)	)	PUNCT
fsr-3656	187	11	(	(	PUNCT
fsr-3656	187	12	1989	1989	NUM
fsr-3656	187	13	)	)	PUNCT
fsr-3656	187	14	provides	provide	VERB
fsr-3656	187	15	detailed	detailed	ADJ
fsr-3656	187	16	information	information	NOUN
fsr-3656	187	17	on	on	ADP
fsr-3656	187	18	employer	employer	PROPN
fsr-3656	187	19	group	group	PROPN
fsr-3656	187	20	ltd	ltd	PROPN
fsr-3656	187	21	coverage	coverage	NOUN
fsr-3656	187	22	for	for	ADP
fsr-3656	187	23	employees	employee	NOUN
fsr-3656	187	24	of	of	ADP
fsr-3656	187	25	large	large	ADJ
fsr-3656	187	26	and	and	CCONJ
fsr-3656	187	27	medium	medium	ADJ
fsr-3656	187	28	size	size	NOUN
fsr-3656	187	29	firms	firm	NOUN
fsr-3656	187	30	.	.	PUNCT
fsr-3656	188	1	approximately	approximately	ADV
fsr-3656	188	2	42	42	NUM
fsr-3656	188	3	percent	percent	NOUN
fsr-3656	188	4	of	of	ADP
fsr-3656	188	5	these	these	DET
fsr-3656	188	6	employees	employee	NOUN
fsr-3656	188	7	are	be	AUX
fsr-3656	188	8	covered	cover	VERB
fsr-3656	188	9	by	by	ADP
fsr-3656	188	10	group	group	PROPN
fsr-3656	188	11	ltd	ltd	PROPN
fsr-3656	188	12	plans	plan	NOUN
fsr-3656	188	13	.	.	PUNCT
fsr-3656	189	1	white	white	ADJ
fsr-3656	189	2	-	-	PUNCT
fsr-3656	189	3	collar	collar	NOUN
fsr-3656	189	4	workers	worker	NOUN
fsr-3656	189	5	are	be	AUX
fsr-3656	189	6	more	more	ADJ
fsr-3656	189	7	than	than	ADP
fsr-3656	189	8	twice	twice	ADV
fsr-3656	189	9	as	as	ADV
fsr-3656	189	10	likely	likely	ADJ
fsr-3656	189	11	to	to	PART
fsr-3656	189	12	receive	receive	VERB
fsr-3656	189	13	coverage	coverage	NOUN
fsr-3656	189	14	as	as	ADP
fsr-3656	189	15	their	their	PRON
fsr-3656	189	16	blue	blue	ADJ
fsr-3656	189	17	-	-	PUNCT
fsr-3656	189	18	collar	collar	NOUN
fsr-3656	189	19	counterparts	counterpart	NOUN
fsr-3656	189	20	,	,	PUNCT
fsr-3656	189	21	although	although	SCONJ
fsr-3656	189	22	38	38	NUM
fsr-3656	189	23	percent	percent	NOUN
fsr-3656	189	24	of	of	ADP
fsr-3656	189	25	the	the	DET
fsr-3656	189	26	latter	latter	ADJ
fsr-3656	189	27	are	be	AUX
fsr-3656	189	28	eligible	eligible	ADJ
fsr-3656	189	29	to	to	PART
fsr-3656	189	30	receive	receive	VERB
fsr-3656	189	31	immediate	immediate	ADJ
fsr-3656	189	32	disability	disability	NOUN
fsr-3656	189	33	pension	pension	NOUN
fsr-3656	189	34	benefits	benefit	NOUN
fsr-3656	189	35	.	.	PUNCT
fsr-3656	190	1	typical	typical	ADJ
fsr-3656	190	2	benefit	benefit	NOUN
fsr-3656	190	3	levels	level	NOUN
fsr-3656	190	4	for	for	ADP
fsr-3656	190	5	group	group	PROPN
fsr-3656	190	6	ltd	ltd	PROPN
fsr-3656	190	7	plans	plan	NOUN
fsr-3656	190	8	are	be	AUX
fsr-3656	190	9	set	set	VERB
fsr-3656	190	10	at	at	ADP
fsr-3656	190	11	50	50	NUM
fsr-3656	190	12	to	to	PART
fsr-3656	190	13	60	60	NUM
fsr-3656	190	14	percent	percent	NOUN
fsr-3656	190	15	of	of	ADP
fsr-3656	190	16	pre	pre	ADJ
fsr-3656	190	17	-	-	ADJ
fsr-3656	190	18	disability	disability	NOUN
fsr-3656	190	19	earnings	earning	NOUN
fsr-3656	190	20	,	,	PUNCT
fsr-3656	190	21	subject	subject	ADJ
fsr-3656	190	22	to	to	ADP
fsr-3656	190	23	a	a	DET
fsr-3656	190	24	monthly	monthly	ADJ
fsr-3656	190	25	maximum	maximum	NOUN
fsr-3656	190	26	that	that	PRON
fsr-3656	190	27	ranges	range	VERB
fsr-3656	190	28	between	between	ADP
fsr-3656	190	29	$	$	SYM
fsr-3656	190	30	2,500	2,500	NUM
fsr-3656	190	31	and	and	CCONJ
fsr-3656	190	32	$	$	SYM
fsr-3656	190	33	5,000	5,000	NUM
fsr-3656	190	34	.	.	PUNCT
fsr-3656	191	1	for	for	ADP
fsr-3656	191	2	63	63	NUM
fsr-3656	191	3	percent	percent	NOUN
fsr-3656	191	4	of	of	ADP
fsr-3656	191	5	group	group	NOUN
fsr-3656	191	6	plan	plan	NOUN
fsr-3656	191	7	participants	participant	NOUN
fsr-3656	191	8	,	,	PUNCT
fsr-3656	191	9	offsets	offset	NOUN
fsr-3656	191	10	for	for	ADP
fsr-3656	191	11	ssdi	ssdi	NOUN
fsr-3656	191	12	72	72	NUM
fsr-3656	191	13	financial	financial	ADJ
fsr-3656	191	14	services	service	NOUN
fsr-3656	191	15	review	review	NOUN
fsr-3656	191	16	,	,	PUNCT
fsr-3656	191	17	l(1	l(1	PROPN
fsr-3656	191	18	)	)	PUNCT
fsr-3656	191	19	1991	1991	NUM
fsr-3656	191	20	and	and	CCONJ
fsr-3656	191	21	workers	worker	NOUN
fsr-3656	191	22	’	'	PUNCT
fsr-3656	191	23	compensation	compensation	NOUN
fsr-3656	191	24	benefits	benefit	NOUN
fsr-3656	191	25	apply	apply	VERB
fsr-3656	191	26	when	when	SCONJ
fsr-3656	191	27	total	total	ADJ
fsr-3656	191	28	disability	disability	NOUN
fsr-3656	191	29	benefits	benefit	NOUN
fsr-3656	191	30	exceed	exceed	VERB
fsr-3656	191	31	70	70	NUM
fsr-3656	191	32	to	to	PART
fsr-3656	191	33	75	75	NUM
fsr-3656	191	34	percent	percent	NOUN
fsr-3656	191	35	of	of	ADP
fsr-3656	191	36	pre	pre	ADJ
fsr-3656	191	37	-	-	ADJ
fsr-3656	191	38	disability	disability	NOUN
fsr-3656	191	39	earnings	earning	NOUN
fsr-3656	191	40	.	.	PUNCT
fsr-3656	192	1	an	an	DET
fsr-3656	192	2	additional	additional	ADJ
fsr-3656	192	3	7	7	NUM
fsr-3656	192	4	percent	percent	NOUN
fsr-3656	192	5	are	be	AUX
fsr-3656	192	6	subject	subject	ADJ
fsr-3656	192	7	to	to	ADP
fsr-3656	192	8	even	even	ADV
fsr-3656	192	9	lower	low	ADJ
fsr-3656	192	10	total	total	ADJ
fsr-3656	192	11	benefit	benefit	NOUN
fsr-3656	192	12	ceilings	ceiling	NOUN
fsr-3656	192	13	.	.	PUNCT
fsr-3656	193	1	the	the	DET
fsr-3656	193	2	normal	normal	ADJ
fsr-3656	193	3	waiting	waiting	NOUN
fsr-3656	193	4	period	period	NOUN
fsr-3656	193	5	for	for	ADP
fsr-3656	193	6	group	group	PROPN
fsr-3656	193	7	ltd	ltd	PROPN
fsr-3656	193	8	plans	plan	NOUN
fsr-3656	193	9	is	be	AUX
fsr-3656	193	10	six	six	NUM
fsr-3656	193	11	months	month	NOUN
fsr-3656	193	12	.	.	PUNCT
fsr-3656	194	1	blostin	blostin	PROPN
fsr-3656	194	2	,	,	PUNCT
fsr-3656	194	3	burke	burke	PROPN
fsr-3656	194	4	and	and	CCONJ
fsr-3656	194	5	lovejoy	lovejoy	PROPN
fsr-3656	194	6	(	(	PUNCT
fsr-3656	194	7	bbl	bbl	PROPN
fsr-3656	194	8	)	)	PUNCT
fsr-3656	194	9	(	(	PUNCT
fsr-3656	194	10	1988	1988	NUM
fsr-3656	194	11	)	)	PUNCT
fsr-3656	194	12	compare	compare	VERB
fsr-3656	194	13	a	a	DET
fsr-3656	194	14	prior	prior	ADJ
fsr-3656	194	15	version	version	NOUN
fsr-3656	194	16	of	of	ADP
fsr-3656	194	17	the	the	DET
fsr-3656	194	18	bls	bls	PROPN
fsr-3656	194	19	study	study	NOUN
fsr-3656	194	20	with	with	ADP
fsr-3656	194	21	an	an	DET
fsr-3656	194	22	analysis	analysis	NOUN
fsr-3656	194	23	of	of	ADP
fsr-3656	194	24	group	group	NOUN
fsr-3656	194	25	benefits	benefit	NOUN
fsr-3656	194	26	available	available	ADJ
fsr-3656	194	27	to	to	ADP
fsr-3656	194	28	employees	employee	NOUN
fsr-3656	194	29	of	of	ADP
fsr-3656	194	30	state	state	NOUN
fsr-3656	194	31	and	and	CCONJ
fsr-3656	194	32	local	local	ADJ
fsr-3656	194	33	governments	government	NOUN
fsr-3656	194	34	.	.	PUNCT
fsr-3656	195	1	for	for	ADP
fsr-3656	195	2	the	the	DET
fsr-3656	195	3	years	year	NOUN
fsr-3656	195	4	studied	study	VERB
fsr-3656	195	5	,	,	PUNCT
fsr-3656	195	6	bbl	bbl	PROPN
fsr-3656	195	7	find	find	VERB
fsr-3656	195	8	that	that	SCONJ
fsr-3656	195	9	only	only	ADV
fsr-3656	195	10	31	31	NUM
fsr-3656	195	11	percent	percent	NOUN
fsr-3656	195	12	of	of	ADP
fsr-3656	195	13	the	the	DET
fsr-3656	195	14	government	government	NOUN
fsr-3656	195	15	employees	employee	NOUN
fsr-3656	195	16	received	receive	VERB
fsr-3656	195	17	group	group	PROPN
fsr-3656	195	18	ltd	ltd	PROPN
fsr-3656	195	19	coverage	coverage	PROPN
fsr-3656	195	20	as	as	SCONJ
fsr-3656	195	21	opposed	oppose	VERB
fsr-3656	195	22	to	to	ADP
fsr-3656	195	23	48	48	NUM
fsr-3656	195	24	percent	percent	NOUN
fsr-3656	195	25	of	of	ADP
fsr-3656	195	26	corporate	corporate	ADJ
fsr-3656	195	27	employees	employee	NOUN
fsr-3656	195	28	.	.	PUNCT
fsr-3656	196	1	government	government	NOUN
fsr-3656	196	2	workers	worker	NOUN
fsr-3656	196	3	were	be	AUX
fsr-3656	196	4	twice	twice	ADV
fsr-3656	196	5	as	as	ADV
fsr-3656	196	6	likely	likely	ADJ
fsr-3656	196	7	as	as	ADP
fsr-3656	196	8	corporate	corporate	ADJ
fsr-3656	196	9	workers	worker	NOUN
fsr-3656	196	10	(	(	PUNCT
fsr-3656	196	11	80	80	NUM
fsr-3656	196	12	percent	percent	NOUN
fsr-3656	196	13	versus	versus	ADP
fsr-3656	196	14	40	40	NUM
fsr-3656	196	15	percent	percent	NOUN
fsr-3656	196	16	)	)	PUNCT
fsr-3656	196	17	to	to	PART
fsr-3656	196	18	have	have	VERB
fsr-3656	196	19	access	access	NOUN
fsr-3656	196	20	to	to	ADP
fsr-3656	196	21	immediate	immediate	ADJ
fsr-3656	196	22	disability	disability	NOUN
fsr-3656	196	23	benefits	benefit	NOUN
fsr-3656	196	24	from	from	ADP
fsr-3656	196	25	their	their	PRON
fsr-3656	196	26	retirement	retirement	NOUN
fsr-3656	196	27	plans	plan	NOUN
fsr-3656	196	28	,	,	PUNCT
fsr-3656	196	29	however	however	ADV
fsr-3656	196	30	.	.	PUNCT
fsr-3656	197	1	virtually	virtually	ADV
fsr-3656	197	2	all	all	DET
fsr-3656	197	3	u.s	u.s	PROPN
fsr-3656	197	4	.	.	PROPN
fsr-3656	197	5	earners	earner	NOUN
fsr-3656	197	6	have	have	VERB
fsr-3656	197	7	the	the	DET
fsr-3656	197	8	option	option	NOUN
fsr-3656	197	9	of	of	ADP
fsr-3656	197	10	buying	buy	VERB
fsr-3656	197	11	individual	individual	PROPN
fsr-3656	197	12	ltd	ltd	PROPN
fsr-3656	197	13	contracts	contract	NOUN
fsr-3656	197	14	from	from	ADP
fsr-3656	197	15	private	private	ADJ
fsr-3656	197	16	insurers	insurer	NOUN
fsr-3656	197	17	,	,	PUNCT
fsr-3656	197	18	although	although	SCONJ
fsr-3656	197	19	relatively	relatively	ADV
fsr-3656	197	20	few	few	ADJ
fsr-3656	197	21	do	do	VERB
fsr-3656	197	22	so	so	ADV
fsr-3656	197	23	.	.	PUNCT
fsr-3656	198	1	edmonston	edmonston	PROPN
fsr-3656	198	2	and	and	CCONJ
fsr-3656	198	3	scott	scott	PROPN
fsr-3656	198	4	(	(	PUNCT
fsr-3656	198	5	es	es	NOUN
fsr-3656	198	6	)	)	PUNCT
fsr-3656	198	7	(	(	PUNCT
fsr-3656	198	8	1987	1987	NUM
fsr-3656	198	9	)	)	PUNCT
fsr-3656	198	10	supply	supply	NOUN
fsr-3656	198	11	an	an	DET
fsr-3656	198	12	insightful	insightful	ADJ
fsr-3656	198	13	consumer	consumer	NOUN
fsr-3656	198	14	survey	survey	NOUN
fsr-3656	198	15	of	of	ADP
fsr-3656	198	16	individuals	individual	NOUN
fsr-3656	198	17	who	who	PRON
fsr-3656	198	18	have	have	AUX
fsr-3656	198	19	purchased	purchase	VERB
fsr-3656	198	20	individual	individual	PROPN
fsr-3656	198	21	ltd	ltd	PROPN
fsr-3656	198	22	policies	policy	NOUN
fsr-3656	198	23	.	.	PUNCT
fsr-3656	199	1	the	the	DET
fsr-3656	199	2	response	response	NOUN
fsr-3656	199	3	data	datum	NOUN
fsr-3656	199	4	encompass	encompass	VERB
fsr-3656	199	5	buyers	buyer	NOUN
fsr-3656	199	6	of	of	ADP
fsr-3656	199	7	6,489	6,489	NUM
fsr-3656	199	8	noncancellable	noncancellable	ADJ
fsr-3656	199	9	policies	policy	NOUN
fsr-3656	199	10	from	from	ADP
fsr-3656	199	11	27	27	NUM
fsr-3656	199	12	insurers	insurer	NOUN
fsr-3656	199	13	.	.	PUNCT
fsr-3656	200	1	demographic	demographic	ADJ
fsr-3656	200	2	analysis	analysis	NOUN
fsr-3656	200	3	by	by	ADP
fsr-3656	200	4	es	es	PRON
fsr-3656	200	5	reveals	reveal	NOUN
fsr-3656	200	6	that	that	SCONJ
fsr-3656	200	7	males	male	NOUN
fsr-3656	200	8	account	account	VERB
fsr-3656	200	9	for	for	ADP
fsr-3656	200	10	78	78	NUM
fsr-3656	200	11	percent	percent	NOUN
fsr-3656	200	12	of	of	ADP
fsr-3656	200	13	the	the	DET
fsr-3656	200	14	ltd	ltd	PROPN
fsr-3656	200	15	policies	policy	NOUN
fsr-3656	200	16	purchased	purchase	VERB
fsr-3656	200	17	and	and	CCONJ
fsr-3656	200	18	84	84	NUM
fsr-3656	200	19	percent	percent	NOUN
fsr-3656	200	20	of	of	ADP
fsr-3656	200	21	premiums	premium	NOUN
fsr-3656	200	22	paid	pay	VERB
fsr-3656	200	23	.	.	PUNCT
fsr-3656	201	1	the	the	DET
fsr-3656	201	2	median	median	ADJ
fsr-3656	201	3	age	age	NOUN
fsr-3656	201	4	of	of	ADP
fsr-3656	201	5	buyers	buyer	NOUN
fsr-3656	201	6	is	be	AUX
fsr-3656	201	7	35	35	NUM
fsr-3656	201	8	for	for	ADP
fsr-3656	201	9	males	male	NOUN
fsr-3656	201	10	and	and	CCONJ
fsr-3656	201	11	36	36	NUM
fsr-3656	201	12	for	for	ADP
fsr-3656	201	13	females	female	NOUN
fsr-3656	201	14	.	.	PUNCT
fsr-3656	202	1	purchasers	purchaser	NOUN
fsr-3656	202	2	’	’	PART
fsr-3656	202	3	incomes	income	NOUN
fsr-3656	202	4	are	be	AUX
fsr-3656	202	5	approximately	approximately	ADV
fsr-3656	202	6	four	four	NUM
fsr-3656	202	7	times	time	NOUN
fsr-3656	202	8	that	that	PRON
fsr-3656	202	9	of	of	ADP
fsr-3656	202	10	the	the	DET
fsr-3656	202	11	average	average	ADJ
fsr-3656	202	12	u.s	u.s	PROPN
fsr-3656	202	13	.	.	PROPN
fsr-3656	202	14	citizen	citizen	PROPN
fsr-3656	202	15	,	,	PUNCT
fsr-3656	202	16	with	with	ADP
fsr-3656	202	17	median	median	ADJ
fsr-3656	202	18	incomes	income	NOUN
fsr-3656	202	19	of	of	ADP
fsr-3656	202	20	$	$	SYM
fsr-3656	202	21	54,700	54,700	NUM
fsr-3656	202	22	for	for	ADP
fsr-3656	202	23	males	male	NOUN
fsr-3656	202	24	and	and	CCONJ
fsr-3656	202	25	$	$	SYM
fsr-3656	202	26	28,600	28,600	NUM
fsr-3656	202	27	for	for	ADP
fsr-3656	202	28	females	female	NOUN
fsr-3656	202	29	.	.	PUNCT
fsr-3656	203	1	professionals	professional	NOUN
fsr-3656	203	2	and	and	CCONJ
fsr-3656	203	3	executives	executive	NOUN
fsr-3656	203	4	are	be	AUX
fsr-3656	203	5	the	the	DET
fsr-3656	203	6	dominant	dominant	ADJ
fsr-3656	203	7	purchasers	purchaser	NOUN
fsr-3656	203	8	of	of	ADP
fsr-3656	203	9	individual	individual	PROPN
fsr-3656	203	10	ltd	ltd	PROPN
fsr-3656	203	11	,	,	PUNCT
fsr-3656	203	12	generating	generate	VERB
fsr-3656	203	13	86	86	NUM
fsr-3656	203	14	percent	percent	NOUN
fsr-3656	203	15	of	of	ADP
fsr-3656	203	16	total	total	ADJ
fsr-3656	203	17	premiums	premium	NOUN
fsr-3656	203	18	derived	derive	VERB
fsr-3656	203	19	from	from	ADP
fsr-3656	203	20	male	male	ADJ
fsr-3656	203	21	buyers	buyer	NOUN
fsr-3656	203	22	and	and	CCONJ
fsr-3656	203	23	76	76	NUM
fsr-3656	203	24	percent	percent	NOUN
fsr-3656	203	25	from	from	ADP
fsr-3656	203	26	female	female	ADJ
fsr-3656	203	27	buyers	buyer	NOUN
fsr-3656	203	28	.	.	PUNCT
fsr-3656	204	1	in	in	ADP
fsr-3656	204	2	the	the	DET
fsr-3656	204	3	next	next	ADJ
fsr-3656	204	4	section	section	NOUN
fsr-3656	204	5	,	,	PUNCT
fsr-3656	204	6	information	information	NOUN
fsr-3656	204	7	about	about	ADP
fsr-3656	204	8	private	private	ADJ
fsr-3656	204	9	di	di	NOUN
fsr-3656	204	10	insurance	insurance	NOUN
fsr-3656	204	11	products	product	NOUN
fsr-3656	204	12	and	and	CCONJ
fsr-3656	204	13	suppliers	supplier	NOUN
fsr-3656	204	14	that	that	PRON
fsr-3656	204	15	is	be	AUX
fsr-3656	204	16	necessary	necessary	ADJ
fsr-3656	204	17	for	for	SCONJ
fsr-3656	204	18	the	the	DET
fsr-3656	204	19	individual	individual	NOUN
fsr-3656	204	20	to	to	PART
fsr-3656	204	21	make	make	VERB
fsr-3656	204	22	a	a	DET
fsr-3656	204	23	rational	rational	ADJ
fsr-3656	204	24	decision	decision	NOUN
fsr-3656	204	25	is	be	AUX
fsr-3656	204	26	discussed	discuss	VERB
fsr-3656	204	27	.	.	PUNCT
fsr-3656	205	1	the	the	DET
fsr-3656	205	2	product	product	NOUN
fsr-3656	205	3	and	and	CCONJ
fsr-3656	205	4	supplier	supplier	NOUN
fsr-3656	205	5	decisions	decision	NOUN
fsr-3656	205	6	product	product	NOUN
fsr-3656	205	7	selection	selection	NOUN
fsr-3656	205	8	much	much	ADJ
fsr-3656	205	9	of	of	ADP
fsr-3656	205	10	the	the	DET
fsr-3656	205	11	literature	literature	NOUN
fsr-3656	205	12	on	on	ADP
fsr-3656	205	13	di	di	NOUN
fsr-3656	205	14	insurance	insurance	NOUN
fsr-3656	205	15	products	product	NOUN
fsr-3656	205	16	represents	represent	VERB
fsr-3656	205	17	primarily	primarily	ADV
fsr-3656	205	18	a	a	DET
fsr-3656	205	19	description	description	NOUN
fsr-3656	205	20	of	of	ADP
fsr-3656	205	21	these	these	DET
fsr-3656	205	22	relatively	relatively	ADV
fsr-3656	205	23	complex	complex	ADJ
fsr-3656	205	24	contracts	contract	NOUN
fsr-3656	205	25	,	,	PUNCT
fsr-3656	205	26	e.g.	e.g.	ADV
fsr-3656	205	27	,	,	PUNCT
fsr-3656	205	28	morris	morris	PROPN
fsr-3656	205	29	(	(	PUNCT
fsr-3656	205	30	1986	1986	NUM
fsr-3656	205	31	)	)	PUNCT
fsr-3656	205	32	and	and	CCONJ
fsr-3656	205	33	soule	soule	NOUN
fsr-3656	205	34	(	(	PUNCT
fsr-3656	205	35	1984	1984	NUM
fsr-3656	205	36	)	)	PUNCT
fsr-3656	205	37	.	.	PUNCT
fsr-3656	206	1	in	in	ADP
fsr-3656	206	2	a	a	DET
fsr-3656	206	3	similar	similar	ADJ
fsr-3656	206	4	fashion	fashion	NOUN
fsr-3656	206	5	,	,	PUNCT
fsr-3656	206	6	lyons	lyon	NOUN
fsr-3656	206	7	(	(	PUNCT
fsr-3656	206	8	1987	1987	NUM
fsr-3656	206	9	)	)	PUNCT
fsr-3656	206	10	describes	describe	VERB
fsr-3656	206	11	the	the	DET
fsr-3656	206	12	income	income	NOUN
fsr-3656	206	13	tax	tax	NOUN
fsr-3656	206	14	treatments	treatment	NOUN
fsr-3656	206	15	of	of	ADP
fsr-3656	206	16	premiums	premium	NOUN
fsr-3656	206	17	paid	pay	VERB
fsr-3656	206	18	and	and	CCONJ
fsr-3656	206	19	benefits	benefit	NOUN
fsr-3656	206	20	received	receive	VERB
fsr-3656	206	21	for	for	ADP
fsr-3656	206	22	various	various	ADJ
fsr-3656	206	23	types	type	NOUN
fsr-3656	206	24	of	of	ADP
fsr-3656	206	25	disability	disability	NOUN
fsr-3656	206	26	plans	plan	NOUN
fsr-3656	206	27	that	that	PRON
fsr-3656	206	28	apply	apply	VERB
fsr-3656	206	29	to	to	ADP
fsr-3656	206	30	individual	individual	ADJ
fsr-3656	206	31	employees	employee	NOUN
fsr-3656	206	32	and	and	CCONJ
fsr-3656	206	33	small	small	ADJ
fsr-3656	206	34	business	business	NOUN
fsr-3656	206	35	owners	owner	NOUN
fsr-3656	206	36	.	.	PUNCT
fsr-3656	207	1	the	the	DET
fsr-3656	207	2	edmonston	edmonston	NOUN
fsr-3656	207	3	and	and	CCONJ
fsr-3656	207	4	scott	scott	PROPN
fsr-3656	207	5	(	(	PUNCT
fsr-3656	207	6	es	es	NOUN
fsr-3656	207	7	)	)	PUNCT
fsr-3656	207	8	(	(	PUNCT
fsr-3656	207	9	1987	1987	NUM
fsr-3656	207	10	)	)	PUNCT
fsr-3656	207	11	study	study	NOUN
fsr-3656	207	12	supplies	supply	VERB
fsr-3656	207	13	information	information	NOUN
fsr-3656	207	14	about	about	ADP
fsr-3656	207	15	the	the	DET
fsr-3656	207	16	contractual	contractual	ADJ
fsr-3656	207	17	options	option	NOUN
fsr-3656	207	18	of	of	ADP
fsr-3656	207	19	ltd	ltd	PROPN
fsr-3656	207	20	policies	policy	NOUN
fsr-3656	207	21	typically	typically	ADV
fsr-3656	207	22	selected	select	VERB
fsr-3656	207	23	by	by	ADP
fsr-3656	207	24	individuals	individual	NOUN
fsr-3656	207	25	.	.	PUNCT
fsr-3656	208	1	among	among	ADP
fsr-3656	208	2	their	their	PRON
fsr-3656	208	3	findings	finding	NOUN
fsr-3656	208	4	,	,	PUNCT
fsr-3656	208	5	es	es	PRON
fsr-3656	208	6	observe	observe	VERB
fsr-3656	208	7	that	that	SCONJ
fsr-3656	208	8	waiting	waiting	NOUN
fsr-3656	208	9	periods	period	NOUN
fsr-3656	208	10	vary	vary	VERB
fsr-3656	208	11	widely	widely	ADV
fsr-3656	208	12	,	,	PUNCT
fsr-3656	208	13	but	but	CCONJ
fsr-3656	208	14	a	a	DET
fsr-3656	208	15	plurality	plurality	NOUN
fsr-3656	208	16	of	of	ADP
fsr-3656	208	17	policies	policy	NOUN
fsr-3656	208	18	contain	contain	VERB
fsr-3656	208	19	60	60	NUM
fsr-3656	208	20	to	to	PART
fsr-3656	208	21	90	90	NUM
fsr-3656	208	22	day	day	NOUN
fsr-3656	208	23	waiting	waiting	NOUN
fsr-3656	208	24	periods	period	NOUN
fsr-3656	208	25	.	.	PUNCT
fsr-3656	209	1	benefit	benefit	NOUN
fsr-3656	209	2	durations	duration	NOUN
fsr-3656	209	3	are	be	AUX
fsr-3656	209	4	typically	typically	ADV
fsr-3656	209	5	quite	quite	ADV
fsr-3656	209	6	long	long	ADJ
fsr-3656	209	7	-	-	PUNCT
fsr-3656	209	8	term	term	NOUN
fsr-3656	209	9	,	,	PUNCT
fsr-3656	209	10	with	with	ADP
fsr-3656	209	11	two	two	NUM
fsr-3656	209	12	thirds	third	NOUN
fsr-3656	209	13	providing	provide	VERB
fsr-3656	209	14	benefits	benefit	NOUN
fsr-3656	209	15	ranging	range	VERB
fsr-3656	209	16	from	from	ADP
fsr-3656	209	17	10	10	NUM
fsr-3656	209	18	years	year	NOUN
fsr-3656	209	19	to	to	ADP
fsr-3656	209	20	payments	payment	NOUN
fsr-3656	209	21	until	until	ADP
fsr-3656	209	22	age	age	NOUN
fsr-3656	209	23	65	65	NUM
fsr-3656	209	24	.	.	PUNCT
fsr-3656	210	1	over	over	ADP
fsr-3656	210	2	half	half	NOUN
fsr-3656	210	3	of	of	ADP
fsr-3656	210	4	the	the	DET
fsr-3656	210	5	purchasers	purchaser	NOUN
fsr-3656	210	6	select	select	VERB
fsr-3656	210	7	an	an	DET
fsr-3656	210	8	“	"	PUNCT
fsr-3656	210	9	own	own	ADJ
fsr-3656	210	10	occupation	occupation	NOUN
fsr-3656	210	11	”	"	PUNCT
fsr-3656	210	12	definition	definition	NOUN
fsr-3656	210	13	,	,	PUNCT
fsr-3656	210	14	which	which	PRON
fsr-3656	210	15	means	mean	VERB
fsr-3656	210	16	that	that	SCONJ
fsr-3656	210	17	benefits	benefit	NOUN
fsr-3656	210	18	will	will	AUX
fsr-3656	210	19	be	be	AUX
fsr-3656	210	20	received	receive	VERB
fsr-3656	210	21	if	if	SCONJ
fsr-3656	210	22	a	a	DET
fsr-3656	210	23	disabled	disabled	ADJ
fsr-3656	210	24	policyholder	policyholder	NOUN
fsr-3656	210	25	disability	disability	NOUN
fsr-3656	210	26	income	income	NOUN
fsr-3656	210	27	insurance	insurance	NOUN
fsr-3656	210	28	and	and	CCONJ
fsr-3656	210	29	the	the	DET
fsr-3656	210	30	individual	individual	NOUN
fsr-3656	210	31	73	73	NUM
fsr-3656	210	32	can	can	AUX
fsr-3656	210	33	not	not	PART
fsr-3656	210	34	perform	perform	VERB
fsr-3656	210	35	at	at	ADV
fsr-3656	210	36	least	least	ADV
fsr-3656	210	37	one	one	NUM
fsr-3656	210	38	significant	significant	ADJ
fsr-3656	210	39	duty	duty	NOUN
fsr-3656	210	40	of	of	ADP
fsr-3656	210	41	his	his	PRON
fsr-3656	210	42	or	or	CCONJ
fsr-3656	210	43	her	her	PRON
fsr-3656	210	44	current	current	ADJ
fsr-3656	210	45	occupation	occupation	NOUN
fsr-3656	210	46	.	.	PUNCT
fsr-3656	211	1	more	more	ADJ
fsr-3656	211	2	than	than	ADP
fsr-3656	211	3	50	50	NUM
fsr-3656	211	4	percent	percent	NOUN
fsr-3656	211	5	of	of	ADP
fsr-3656	211	6	the	the	DET
fsr-3656	211	7	policies	policy	NOUN
fsr-3656	211	8	provide	provide	VERB
fsr-3656	211	9	proportional	proportional	ADJ
fsr-3656	211	10	benefits	benefit	NOUN
fsr-3656	211	11	if	if	SCONJ
fsr-3656	211	12	the	the	DET
fsr-3656	211	13	policyholder	policyholder	NOUN
fsr-3656	211	14	can	can	AUX
fsr-3656	211	15	perform	perform	VERB
fsr-3656	211	16	his	his	PRON
fsr-3656	211	17	or	or	CCONJ
fsr-3656	211	18	her	her	PRON
fsr-3656	211	19	normal	normal	ADJ
fsr-3656	211	20	duties	duty	NOUN
fsr-3656	211	21	on	on	ADP
fsr-3656	211	22	a	a	DET
fsr-3656	211	23	part	part	ADJ
fsr-3656	211	24	-	-	PUNCT
fsr-3656	211	25	time	time	NOUN
fsr-3656	211	26	,	,	PUNCT
fsr-3656	211	27	but	but	CCONJ
fsr-3656	211	28	not	not	PART
fsr-3656	211	29	full	full	ADJ
fsr-3656	211	30	time	time	NOUN
fsr-3656	211	31	,	,	PUNCT
fsr-3656	211	32	basis	basis	NOUN
fsr-3656	211	33	.	.	PUNCT
fsr-3656	212	1	cox	cox	PROPN
fsr-3656	212	2	and	and	CCONJ
fsr-3656	212	3	gustavson	gustavson	PROPN
fsr-3656	212	4	(	(	PUNCT
fsr-3656	212	5	cg	cg	NOUN
fsr-3656	212	6	)	)	PUNCT
fsr-3656	212	7	(	(	PUNCT
fsr-3656	212	8	1990	1990	NUM
fsr-3656	212	9	)	)	PUNCT
fsr-3656	212	10	explore	explore	VERB
fsr-3656	212	11	individual	individual	PROPN
fsr-3656	212	12	ltd	ltd	PROPN
fsr-3656	212	13	insurance	insurance	NOUN
fsr-3656	212	14	prices	price	NOUN
fsr-3656	212	15	for	for	ADP
fsr-3656	212	16	a	a	DET
fsr-3656	212	17	cross	cross	ADJ
fsr-3656	212	18	-	-	ADJ
fsr-3656	212	19	sectional	sectional	ADJ
fsr-3656	212	20	sample	sample	NOUN
fsr-3656	212	21	of	of	ADP
fsr-3656	212	22	54	54	NUM
fsr-3656	212	23	insurers	insurer	NOUN
fsr-3656	212	24	in	in	ADP
fsr-3656	212	25	1988	1988	NUM
fsr-3656	212	26	.	.	PUNCT
fsr-3656	213	1	cg	cg	NOUN
fsr-3656	213	2	show	show	VERB
fsr-3656	213	3	preliminary	preliminary	ADJ
fsr-3656	213	4	evidence	evidence	NOUN
fsr-3656	213	5	of	of	ADP
fsr-3656	213	6	price	price	NOUN
fsr-3656	213	7	dispersion	dispersion	NOUN
fsr-3656	213	8	exceeding	exceed	VERB
fsr-3656	213	9	that	that	PRON
fsr-3656	213	10	for	for	ADP
fsr-3656	213	11	other	other	ADJ
fsr-3656	213	12	types	type	NOUN
fsr-3656	213	13	of	of	ADP
fsr-3656	213	14	insurance	insurance	NOUN
fsr-3656	213	15	and	and	CCONJ
fsr-3656	213	16	consumer	consumer	NOUN
fsr-3656	213	17	products	product	NOUN
fsr-3656	213	18	.	.	PUNCT
fsr-3656	214	1	regression	regression	NOUN
fsr-3656	214	2	analysis	analysis	NOUN
fsr-3656	214	3	indicates	indicate	VERB
fsr-3656	214	4	that	that	SCONJ
fsr-3656	214	5	the	the	DET
fsr-3656	214	6	elimination	elimination	NOUN
fsr-3656	214	7	period	period	NOUN
fsr-3656	214	8	is	be	AUX
fsr-3656	214	9	significantly	significantly	ADV
fsr-3656	214	10	related	relate	VERB
fsr-3656	214	11	to	to	AUX
fsr-3656	214	12	price	price	VERB
fsr-3656	214	13	for	for	SCONJ
fsr-3656	214	14	all	all	DET
fsr-3656	214	15	the	the	DET
fsr-3656	214	16	types	type	NOUN
fsr-3656	214	17	of	of	ADP
fsr-3656	214	18	policies	policy	NOUN
fsr-3656	214	19	tested	test	VERB
fsr-3656	214	20	.	.	PUNCT
fsr-3656	215	1	other	other	ADJ
fsr-3656	215	2	variables	variable	NOUN
fsr-3656	215	3	having	have	VERB
fsr-3656	215	4	a	a	DET
fsr-3656	215	5	significant	significant	ADJ
fsr-3656	215	6	impact	impact	NOUN
fsr-3656	215	7	on	on	ADP
fsr-3656	215	8	price	price	NOUN
fsr-3656	215	9	for	for	ADP
fsr-3656	215	10	some	some	DET
fsr-3656	215	11	types	type	NOUN
fsr-3656	215	12	of	of	ADP
fsr-3656	215	13	ltd	ltd	PROPN
fsr-3656	215	14	policies	policy	NOUN
fsr-3656	215	15	include	include	VERB
fsr-3656	215	16	the	the	DET
fsr-3656	215	17	definition	definition	NOUN
fsr-3656	215	18	of	of	ADP
fsr-3656	215	19	disability	disability	NOUN
fsr-3656	215	20	,	,	PUNCT
fsr-3656	215	21	the	the	DET
fsr-3656	215	22	residual	residual	ADJ
fsr-3656	215	23	(	(	PUNCT
fsr-3656	215	24	or	or	CCONJ
fsr-3656	215	25	partial	partial	ADJ
fsr-3656	215	26	)	)	PUNCT
fsr-3656	215	27	disability	disability	NOUN
fsr-3656	215	28	provision	provision	NOUN
fsr-3656	215	29	,	,	PUNCT
fsr-3656	215	30	and	and	CCONJ
fsr-3656	215	31	the	the	DET
fsr-3656	215	32	organizational	organizational	ADJ
fsr-3656	215	33	form	form	NOUN
fsr-3656	215	34	of	of	ADP
fsr-3656	215	35	the	the	DET
fsr-3656	215	36	insurer	insurer	NOUN
fsr-3656	215	37	.	.	PUNCT
fsr-3656	216	1	although	although	SCONJ
fsr-3656	216	2	surveys	survey	NOUN
fsr-3656	216	3	of	of	ADP
fsr-3656	216	4	di	di	NOUN
fsr-3656	216	5	insurance	insurance	NOUN
fsr-3656	216	6	attributes	attribute	NOUN
fsr-3656	216	7	and	and	CCONJ
fsr-3656	216	8	prices	price	NOUN
fsr-3656	216	9	are	be	AUX
fsr-3656	216	10	available	available	ADJ
fsr-3656	216	11	to	to	ADP
fsr-3656	216	12	the	the	DET
fsr-3656	216	13	public	public	ADJ
fsr-3656	216	14	(	(	PUNCT
fsr-3656	216	15	blease	blease	VERB
fsr-3656	216	16	and	and	CCONJ
fsr-3656	216	17	pallay	pallay	VERB
fsr-3656	216	18	,	,	PUNCT
fsr-3656	216	19	1990	1990	NUM
fsr-3656	216	20	)	)	PUNCT
fsr-3656	216	21	,	,	PUNCT
fsr-3656	216	22	the	the	DET
fsr-3656	216	23	present	present	ADJ
fsr-3656	216	24	literature	literature	NOUN
fsr-3656	216	25	offers	offer	VERB
fsr-3656	216	26	little	little	ADJ
fsr-3656	216	27	to	to	PART
fsr-3656	216	28	guide	guide	VERB
fsr-3656	216	29	the	the	DET
fsr-3656	216	30	individual	individual	NOUN
fsr-3656	216	31	in	in	ADP
fsr-3656	216	32	making	make	VERB
fsr-3656	216	33	an	an	DET
fsr-3656	216	34	optimal	optimal	ADJ
fsr-3656	216	35	purchase	purchase	NOUN
fsr-3656	216	36	decision	decision	NOUN
fsr-3656	216	37	.	.	PUNCT
fsr-3656	217	1	for	for	ADP
fsr-3656	217	2	instance	instance	NOUN
fsr-3656	217	3	,	,	PUNCT
fsr-3656	217	4	while	while	SCONJ
fsr-3656	217	5	a	a	DET
fsr-3656	217	6	number	number	NOUN
fsr-3656	217	7	of	of	ADP
fsr-3656	217	8	studies	study	NOUN
fsr-3656	217	9	investigate	investigate	VERB
fsr-3656	217	10	comparative	comparative	ADJ
fsr-3656	217	11	price	price	NOUN
fsr-3656	217	12	indices	index	NOUN
fsr-3656	217	13	for	for	ADP
fsr-3656	217	14	life	life	NOUN
fsr-3656	217	15	insurance	insurance	NOUN
fsr-3656	217	16	,	,	PUNCT
fsr-3656	217	17	e.g.	e.g.	ADV
fsr-3656	217	18	,	,	PUNCT
fsr-3656	217	19	schleef	schleef	ADJ
fsr-3656	217	20	(	(	PUNCT
fsr-3656	217	21	1989	1989	NUM
fsr-3656	217	22	)	)	PUNCT
fsr-3656	217	23	,	,	PUNCT
fsr-3656	217	24	no	no	DET
fsr-3656	217	25	such	such	ADJ
fsr-3656	217	26	information	information	NOUN
fsr-3656	217	27	has	have	AUX
fsr-3656	217	28	been	be	AUX
fsr-3656	217	29	developed	develop	VERB
fsr-3656	217	30	for	for	ADP
fsr-3656	217	31	the	the	DET
fsr-3656	217	32	relatively	relatively	ADV
fsr-3656	217	33	more	more	ADV
fsr-3656	217	34	complex	complex	ADJ
fsr-3656	217	35	di	di	NOUN
fsr-3656	217	36	insurance	insurance	NOUN
fsr-3656	217	37	products	product	NOUN
fsr-3656	217	38	.	.	PUNCT
fsr-3656	218	1	effort	effort	NOUN
fsr-3656	218	2	also	also	ADV
fsr-3656	218	3	should	should	AUX
fsr-3656	218	4	be	be	AUX
fsr-3656	218	5	devoted	devote	VERB
fsr-3656	218	6	to	to	ADP
fsr-3656	218	7	the	the	DET
fsr-3656	218	8	optimal	optimal	ADJ
fsr-3656	218	9	selection	selection	NOUN
fsr-3656	218	10	of	of	ADP
fsr-3656	218	11	contractual	contractual	ADJ
fsr-3656	218	12	options	option	NOUN
fsr-3656	218	13	.	.	PUNCT
fsr-3656	219	1	the	the	DET
fsr-3656	219	2	individual	individual	NOUN
fsr-3656	219	3	should	should	AUX
fsr-3656	219	4	be	be	AUX
fsr-3656	219	5	fully	fully	ADV
fsr-3656	219	6	informed	inform	VERB
fsr-3656	219	7	of	of	ADP
fsr-3656	219	8	trade	trade	NOUN
fsr-3656	219	9	-	-	PUNCT
fsr-3656	219	10	offs	off	NOUN
fsr-3656	219	11	between	between	ADP
fsr-3656	219	12	the	the	DET
fsr-3656	219	13	various	various	ADJ
fsr-3656	219	14	contractual	contractual	ADJ
fsr-3656	219	15	options	option	NOUN
fsr-3656	219	16	,	,	PUNCT
fsr-3656	219	17	and	and	CCONJ
fsr-3656	219	18	between	between	ADP
fsr-3656	219	19	these	these	DET
fsr-3656	219	20	options	option	NOUN
fsr-3656	219	21	and	and	CCONJ
fsr-3656	219	22	financial	financial	ADJ
fsr-3656	219	23	assets	asset	NOUN
fsr-3656	219	24	or	or	CCONJ
fsr-3656	219	25	alternative	alternative	ADJ
fsr-3656	219	26	risk	risk	NOUN
fsr-3656	219	27	management	management	NOUN
fsr-3656	219	28	techniques	technique	NOUN
fsr-3656	219	29	.	.	PUNCT
fsr-3656	220	1	for	for	ADP
fsr-3656	220	2	example	example	NOUN
fsr-3656	220	3	,	,	PUNCT
fsr-3656	220	4	the	the	DET
fsr-3656	220	5	elimination	elimination	NOUN
fsr-3656	220	6	period	period	NOUN
fsr-3656	220	7	is	be	AUX
fsr-3656	220	8	itself	itself	PRON
fsr-3656	220	9	an	an	DET
fsr-3656	220	10	alternative	alternative	ADJ
fsr-3656	220	11	risk	risk	NOUN
fsr-3656	220	12	management	management	NOUN
fsr-3656	220	13	technique	technique	NOUN
fsr-3656	220	14	(	(	PUNCT
fsr-3656	220	15	risk	risk	NOUN
fsr-3656	220	16	retention	retention	NOUN
fsr-3656	220	17	)	)	PUNCT
fsr-3656	220	18	.	.	PUNCT
fsr-3656	221	1	the	the	DET
fsr-3656	221	2	choice	choice	NOUN
fsr-3656	221	3	of	of	ADP
fsr-3656	221	4	elimination	elimination	NOUN
fsr-3656	221	5	period	period	NOUN
fsr-3656	221	6	should	should	AUX
fsr-3656	221	7	not	not	PART
fsr-3656	221	8	be	be	AUX
fsr-3656	221	9	made	make	VERB
fsr-3656	221	10	in	in	ADP
fsr-3656	221	11	isolation	isolation	NOUN
fsr-3656	221	12	,	,	PUNCT
fsr-3656	221	13	but	but	CCONJ
fsr-3656	221	14	only	only	ADV
fsr-3656	221	15	after	after	ADP
fsr-3656	221	16	considering	consider	VERB
fsr-3656	221	17	(	(	PUNCT
fsr-3656	221	18	1	1	X
fsr-3656	221	19	)	)	PUNCT
fsr-3656	221	20	other	other	ADJ
fsr-3656	221	21	risk	risk	NOUN
fsr-3656	221	22	management	management	NOUN
fsr-3656	221	23	methods	method	NOUN
fsr-3656	221	24	,	,	PUNCT
fsr-3656	221	25	(	(	PUNCT
fsr-3656	221	26	2	2	X
fsr-3656	221	27	)	)	PUNCT
fsr-3656	221	28	other	other	ADJ
fsr-3656	221	29	contractual	contractual	ADJ
fsr-3656	221	30	options	option	NOUN
fsr-3656	221	31	,	,	PUNCT
fsr-3656	221	32	such	such	ADJ
fsr-3656	221	33	as	as	ADP
fsr-3656	221	34	benefit	benefit	NOUN
fsr-3656	221	35	duration	duration	NOUN
fsr-3656	221	36	or	or	CCONJ
fsr-3656	221	37	the	the	DET
fsr-3656	221	38	residual	residual	ADJ
fsr-3656	221	39	disability	disability	NOUN
fsr-3656	221	40	provision	provision	NOUN
fsr-3656	221	41	,	,	PUNCT
fsr-3656	221	42	and	and	CCONJ
fsr-3656	221	43	(	(	PUNCT
fsr-3656	221	44	3	3	X
fsr-3656	221	45	)	)	PUNCT
fsr-3656	221	46	available	available	ADJ
fsr-3656	221	47	liquid	liquid	ADJ
fsr-3656	221	48	assets	asset	NOUN
fsr-3656	221	49	.	.	PUNCT
fsr-3656	222	1	virtually	virtually	ADV
fsr-3656	222	2	no	no	DET
fsr-3656	222	3	modelling	modelling	NOUN
fsr-3656	222	4	has	have	AUX
fsr-3656	222	5	been	be	AUX
fsr-3656	222	6	provided	provide	VERB
fsr-3656	222	7	to	to	PART
fsr-3656	222	8	help	help	VERB
fsr-3656	222	9	the	the	DET
fsr-3656	222	10	individual	individual	NOUN
fsr-3656	222	11	make	make	VERB
fsr-3656	222	12	the	the	DET
fsr-3656	222	13	optimal	optimal	ADJ
fsr-3656	222	14	decision	decision	NOUN
fsr-3656	222	15	,	,	PUNCT
fsr-3656	222	16	however	however	ADV
fsr-3656	222	17	.	.	PUNCT
fsr-3656	223	1	next	next	ADV
fsr-3656	223	2	,	,	PUNCT
fsr-3656	223	3	the	the	DET
fsr-3656	223	4	selection	selection	NOUN
fsr-3656	223	5	of	of	ADP
fsr-3656	223	6	the	the	DET
fsr-3656	223	7	product	product	NOUN
fsr-3656	223	8	supplier	supplier	NOUN
fsr-3656	223	9	is	be	AUX
fsr-3656	223	10	considered	consider	VERB
fsr-3656	223	11	.	.	PUNCT
fsr-3656	224	1	insurer	insurer	NOUN
fsr-3656	224	2	selection	selection	NOUN
fsr-3656	224	3	a	a	DET
fsr-3656	224	4	healthy	healthy	ADJ
fsr-3656	224	5	stream	stream	NOUN
fsr-3656	224	6	of	of	ADP
fsr-3656	224	7	literature	literature	NOUN
fsr-3656	224	8	focuses	focus	VERB
fsr-3656	224	9	upon	upon	SCONJ
fsr-3656	224	10	the	the	DET
fsr-3656	224	11	financial	financial	ADJ
fsr-3656	224	12	solvency	solvency	NOUN
fsr-3656	224	13	of	of	ADP
fsr-3656	224	14	insurers	insurer	NOUN
fsr-3656	224	15	,	,	PUNCT
fsr-3656	224	16	e.g.	e.g.	ADV
fsr-3656	224	17	,	,	PUNCT
fsr-3656	224	18	ambrose	ambrose	NOUN
fsr-3656	224	19	and	and	CCONJ
fsr-3656	224	20	seward	seward	PROPN
fsr-3656	224	21	(	(	PUNCT
fsr-3656	224	22	1988	1988	NUM
fsr-3656	224	23	)	)	PUNCT
fsr-3656	224	24	and	and	CCONJ
fsr-3656	224	25	barniv	barniv	NOUN
fsr-3656	224	26	and	and	CCONJ
fsr-3656	224	27	hershbarger	hershbarger	NOUN
fsr-3656	224	28	(	(	PUNCT
fsr-3656	224	29	1990	1990	NUM
fsr-3656	224	30	)	)	PUNCT
fsr-3656	224	31	.	.	PUNCT
fsr-3656	225	1	studies	study	NOUN
fsr-3656	225	2	of	of	ADP
fsr-3656	225	3	this	this	DET
fsr-3656	225	4	genre	genre	NOUN
fsr-3656	225	5	attempt	attempt	NOUN
fsr-3656	225	6	to	to	PART
fsr-3656	225	7	identify	identify	VERB
fsr-3656	225	8	econometric	econometric	ADJ
fsr-3656	225	9	techniques	technique	NOUN
fsr-3656	225	10	and	and	CCONJ
fsr-3656	225	11	variables	variable	NOUN
fsr-3656	225	12	that	that	PRON
fsr-3656	225	13	will	will	AUX
fsr-3656	225	14	provide	provide	VERB
fsr-3656	225	15	the	the	DET
fsr-3656	225	16	most	most	ADV
fsr-3656	225	17	reliable	reliable	ADJ
fsr-3656	225	18	predictions	prediction	NOUN
fsr-3656	225	19	of	of	ADP
fsr-3656	225	20	insolvency	insolvency	NOUN
fsr-3656	225	21	.	.	PUNCT
fsr-3656	226	1	researchers	researcher	NOUN
fsr-3656	226	2	typically	typically	ADV
fsr-3656	226	3	test	test	VERB
fsr-3656	226	4	their	their	PRON
fsr-3656	226	5	proposed	propose	VERB
fsr-3656	226	6	models	model	NOUN
fsr-3656	226	7	against	against	ADP
fsr-3656	226	8	the	the	DET
fsr-3656	226	9	insurance	insurance	NOUN
fsr-3656	226	10	regulatory	regulatory	ADJ
fsr-3656	226	11	information	information	NOUN
fsr-3656	226	12	system	system	NOUN
fsr-3656	226	13	(	(	PUNCT
fsr-3656	226	14	iris	iris	NOUN
fsr-3656	226	15	)	)	PUNCT
fsr-3656	226	16	promulgated	promulgate	VERB
fsr-3656	226	17	by	by	ADP
fsr-3656	226	18	the	the	DET
fsr-3656	226	19	national	national	PROPN
fsr-3656	226	20	association	association	PROPN
fsr-3656	226	21	of	of	ADP
fsr-3656	226	22	insurance	insurance	NOUN
fsr-3656	226	23	commissioners	commissioner	NOUN
fsr-3656	226	24	(	(	PUNCT
fsr-3656	226	25	naic	naic	PROPN
fsr-3656	226	26	)	)	PUNCT
fsr-3656	226	27	.	.	PUNCT
fsr-3656	227	1	with	with	ADP
fsr-3656	227	2	the	the	DET
fsr-3656	227	3	iris	iris	NOUN
fsr-3656	227	4	system	system	NOUN
fsr-3656	227	5	,	,	PUNCT
fsr-3656	227	6	the	the	DET
fsr-3656	227	7	naic	naic	PROPN
fsr-3656	227	8	establishes	establish	VERB
fsr-3656	227	9	“	"	PUNCT
fsr-3656	227	10	acceptable	acceptable	ADJ
fsr-3656	227	11	”	"	PUNCT
fsr-3656	227	12	ranges	range	NOUN
fsr-3656	227	13	for	for	ADP
fsr-3656	227	14	12	12	NUM
fsr-3656	227	15	financial	financial	ADJ
fsr-3656	227	16	ratios	ratio	NOUN
fsr-3656	227	17	.	.	PUNCT
fsr-3656	228	1	life	life	NOUN
fsr-3656	228	2	and	and	CCONJ
fsr-3656	228	3	health	health	NOUN
fsr-3656	228	4	insurers	insurer	NOUN
fsr-3656	228	5	with	with	ADP
fsr-3656	228	6	four	four	NUM
fsr-3656	228	7	or	or	CCONJ
fsr-3656	228	8	more	more	ADJ
fsr-3656	228	9	ratios	ratio	NOUN
fsr-3656	228	10	outside	outside	ADP
fsr-3656	228	11	the	the	DET
fsr-3656	228	12	acceptable	acceptable	ADJ
fsr-3656	228	13	range	range	NOUN
fsr-3656	228	14	are	be	AUX
fsr-3656	228	15	targeted	target	VERB
fsr-3656	228	16	for	for	ADP
fsr-3656	228	17	special	special	ADJ
fsr-3656	228	18	attention	attention	NOUN
fsr-3656	228	19	by	by	ADP
fsr-3656	228	20	the	the	DET
fsr-3656	228	21	naic	naic	PROPN
fsr-3656	228	22	.	.	PUNCT
fsr-3656	229	1	the	the	DET
fsr-3656	229	2	results	result	NOUN
fsr-3656	229	3	of	of	ADP
fsr-3656	229	4	the	the	DET
fsr-3656	229	5	iris	iris	NOUN
fsr-3656	229	6	tests	test	NOUN
fsr-3656	229	7	can	can	AUX
fsr-3656	229	8	be	be	AUX
fsr-3656	229	9	replicated	replicate	VERB
fsr-3656	229	10	by	by	ADP
fsr-3656	229	11	researchers	researcher	NOUN
fsr-3656	229	12	and	and	CCONJ
fsr-3656	229	13	are	be	AUX
fsr-3656	229	14	available	available	ADJ
fsr-3656	229	15	to	to	ADP
fsr-3656	229	16	individuals	individual	NOUN
fsr-3656	229	17	and	and	CCONJ
fsr-3656	229	18	their	their	PRON
fsr-3656	229	19	advisors	advisor	NOUN
fsr-3656	229	20	(	(	PUNCT
fsr-3656	229	21	belth	belth	NOUN
fsr-3656	229	22	,	,	PUNCT
fsr-3656	229	23	1990a	1990a	NUM
fsr-3656	229	24	)	)	PUNCT
fsr-3656	229	25	.	.	PUNCT
fsr-3656	230	1	as	as	SCONJ
fsr-3656	230	2	shown	show	VERB
fsr-3656	230	3	14	14	NUM
fsr-3656	230	4	financial	financial	ADJ
fsr-3656	230	5	services	service	NOUN
fsr-3656	230	6	review	review	NOUN
fsr-3656	230	7	,	,	PUNCT
fsr-3656	230	8	l(1	l(1	PROPN
fsr-3656	230	9	)	)	PUNCT
fsr-3656	230	10	1991	1991	NUM
fsr-3656	230	11	by	by	ADP
fsr-3656	230	12	barniv	barniv	NOUN
fsr-3656	230	13	and	and	CCONJ
fsr-3656	230	14	hershbarger	hershbarger	NOUN
fsr-3656	230	15	,	,	PUNCT
fsr-3656	230	16	however	however	ADV
fsr-3656	230	17	,	,	PUNCT
fsr-3656	230	18	the	the	DET
fsr-3656	230	19	predictive	predictive	ADJ
fsr-3656	230	20	capacity	capacity	NOUN
fsr-3656	230	21	of	of	ADP
fsr-3656	230	22	the	the	DET
fsr-3656	230	23	iris	iris	NOUN
fsr-3656	230	24	system	system	NOUN
fsr-3656	230	25	is	be	AUX
fsr-3656	230	26	limited	limited	ADJ
fsr-3656	230	27	and	and	CCONJ
fsr-3656	230	28	multiple	multiple	ADJ
fsr-3656	230	29	classification	classification	NOUN
fsr-3656	230	30	techniques	technique	NOUN
fsr-3656	230	31	may	may	AUX
fsr-3656	230	32	be	be	AUX
fsr-3656	230	33	advisable	advisable	ADJ
fsr-3656	230	34	.	.	PUNCT
fsr-3656	231	1	the	the	DET
fsr-3656	231	2	standard	standard	ADJ
fsr-3656	231	3	source	source	NOUN
fsr-3656	231	4	of	of	ADP
fsr-3656	231	5	information	information	NOUN
fsr-3656	231	6	regarding	regard	VERB
fsr-3656	231	7	both	both	CCONJ
fsr-3656	231	8	the	the	DET
fsr-3656	231	9	financial	financial	ADJ
fsr-3656	231	10	and	and	CCONJ
fsr-3656	231	11	operational	operational	ADJ
fsr-3656	231	12	status	status	NOUN
fsr-3656	231	13	of	of	ADP
fsr-3656	231	14	insurers	insurer	NOUN
fsr-3656	231	15	has	have	AUX
fsr-3656	231	16	been	be	AUX
fsr-3656	231	17	best	well	ADV
fsr-3656	231	18	s	s	NOUN
fsr-3656	231	19	life	life	NOUN
fsr-3656	231	20	and	and	CCONJ
fsr-3656	231	21	health	health	NOUN
fsr-3656	231	22	reports	report	NOUN
fsr-3656	231	23	published	publish	VERB
fsr-3656	231	24	by	by	ADP
fsr-3656	231	25	the	the	DET
fsr-3656	231	26	a.m.	a.m.	PROPN
fsr-3656	231	27	best	good	ADJ
fsr-3656	231	28	company	company	NOUN
fsr-3656	231	29	.	.	PUNCT
fsr-3656	232	1	within	within	ADP
fsr-3656	232	2	the	the	DET
fsr-3656	232	3	last	last	ADJ
fsr-3656	232	4	few	few	ADJ
fsr-3656	232	5	years	year	NOUN
fsr-3656	232	6	competing	compete	VERB
fsr-3656	232	7	firms	firm	NOUN
fsr-3656	232	8	,	,	PUNCT
fsr-3656	232	9	most	most	ADV
fsr-3656	232	10	notably	notably	ADV
fsr-3656	232	11	standard	standard	ADJ
fsr-3656	232	12	and	and	CCONJ
fsr-3656	232	13	poor	poor	ADJ
fsr-3656	232	14	’s	’s	ADV
fsr-3656	232	15	,	,	PUNCT
fsr-3656	232	16	moody	moody	PROPN
fsr-3656	232	17	’s	’s	PART
fsr-3656	232	18	,	,	PUNCT
fsr-3656	232	19	and	and	CCONJ
fsr-3656	232	20	duff	duff	PROPN
fsr-3656	232	21	and	and	CCONJ
fsr-3656	232	22	phelps	phelp	NOUN
fsr-3656	232	23	,	,	PUNCT
fsr-3656	232	24	have	have	AUX
fsr-3656	232	25	begun	begin	VERB
fsr-3656	232	26	evaluating	evaluate	VERB
fsr-3656	232	27	and	and	CCONJ
fsr-3656	232	28	rating	rating	NOUN
fsr-3656	232	29	insurers	insurer	NOUN
fsr-3656	232	30	.	.	PUNCT
fsr-3656	233	1	belth	belth	NOUN
fsr-3656	233	2	(	(	PUNCT
fsr-3656	233	3	1990b	1990b	NUM
fsr-3656	233	4	)	)	PUNCT
fsr-3656	233	5	documents	document	NOUN
fsr-3656	233	6	substantial	substantial	ADJ
fsr-3656	233	7	inconsistencies	inconsistency	NOUN
fsr-3656	233	8	between	between	ADP
fsr-3656	233	9	best	good	ADJ
fsr-3656	233	10	’s	’s	PART
fsr-3656	233	11	ratings	rating	NOUN
fsr-3656	233	12	and	and	CCONJ
fsr-3656	233	13	those	those	PRON
fsr-3656	233	14	of	of	ADP
fsr-3656	233	15	the	the	DET
fsr-3656	233	16	competition	competition	NOUN
fsr-3656	233	17	,	,	PUNCT
fsr-3656	233	18	citing	cite	VERB
fsr-3656	233	19	increasing	increase	VERB
fsr-3656	233	20	liberalization	liberalization	NOUN
fsr-3656	233	21	of	of	ADP
fsr-3656	233	22	best	good	ADJ
fsr-3656	233	23	guidelines	guideline	NOUN
fsr-3656	233	24	over	over	ADP
fsr-3656	233	25	time	time	NOUN
fsr-3656	233	26	as	as	ADP
fsr-3656	233	27	a	a	DET
fsr-3656	233	28	primary	primary	ADJ
fsr-3656	233	29	cause	cause	NOUN
fsr-3656	233	30	.	.	PUNCT
fsr-3656	234	1	while	while	SCONJ
fsr-3656	234	2	the	the	DET
fsr-3656	234	3	individual	individual	NOUN
fsr-3656	234	4	now	now	ADV
fsr-3656	234	5	has	have	VERB
fsr-3656	234	6	access	access	NOUN
fsr-3656	234	7	to	to	ADP
fsr-3656	234	8	more	more	ADJ
fsr-3656	234	9	information	information	NOUN
fsr-3656	234	10	on	on	ADP
fsr-3656	234	11	insurers	insurer	NOUN
fsr-3656	234	12	via	via	ADP
fsr-3656	234	13	the	the	DET
fsr-3656	234	14	rating	rating	NOUN
fsr-3656	234	15	services	service	NOUN
fsr-3656	234	16	,	,	PUNCT
fsr-3656	234	17	an	an	DET
fsr-3656	234	18	additional	additional	ADJ
fsr-3656	234	19	source	source	NOUN
fsr-3656	234	20	of	of	ADP
fsr-3656	234	21	noise	noise	NOUN
fsr-3656	234	22	has	have	AUX
fsr-3656	234	23	been	be	AUX
fsr-3656	234	24	introduced	introduce	VERB
fsr-3656	234	25	and	and	CCONJ
fsr-3656	234	26	additional	additional	ADJ
fsr-3656	234	27	research	research	NOUN
fsr-3656	234	28	is	be	AUX
fsr-3656	234	29	likely	likely	ADJ
fsr-3656	234	30	on	on	ADP
fsr-3656	234	31	the	the	DET
fsr-3656	234	32	impact	impact	NOUN
fsr-3656	234	33	of	of	ADP
fsr-3656	234	34	this	this	DET
fsr-3656	234	35	development	development	NOUN
fsr-3656	234	36	.	.	PUNCT
fsr-3656	235	1	in	in	ADP
fsr-3656	235	2	addition	addition	NOUN
fsr-3656	235	3	to	to	ADP
fsr-3656	235	4	financial	financial	ADJ
fsr-3656	235	5	risk	risk	NOUN
fsr-3656	235	6	,	,	PUNCT
fsr-3656	235	7	the	the	DET
fsr-3656	235	8	individual	individual	NOUN
fsr-3656	235	9	should	should	AUX
fsr-3656	235	10	assess	assess	VERB
fsr-3656	235	11	the	the	DET
fsr-3656	235	12	underwriting	underwriting	NOUN
fsr-3656	235	13	risk	risk	NOUN
fsr-3656	235	14	and	and	CCONJ
fsr-3656	235	15	efficiency	efficiency	NOUN
fsr-3656	235	16	of	of	ADP
fsr-3656	235	17	insurers	insurer	NOUN
fsr-3656	235	18	,	,	PUNCT
fsr-3656	235	19	if	if	SCONJ
fsr-3656	235	20	possible	possible	ADJ
fsr-3656	235	21	.	.	PUNCT
fsr-3656	236	1	little	little	ADJ
fsr-3656	236	2	guidance	guidance	NOUN
fsr-3656	236	3	based	base	VERB
fsr-3656	236	4	upon	upon	SCONJ
fsr-3656	236	5	research	research	NOUN
fsr-3656	236	6	can	can	AUX
fsr-3656	236	7	be	be	AUX
fsr-3656	236	8	offered	offer	VERB
fsr-3656	236	9	,	,	PUNCT
fsr-3656	236	10	however	however	ADV
fsr-3656	236	11	.	.	PUNCT
fsr-3656	237	1	one	one	NUM
fsr-3656	237	2	reason	reason	NOUN
fsr-3656	237	3	may	may	AUX
fsr-3656	237	4	be	be	AUX
fsr-3656	237	5	the	the	DET
fsr-3656	237	6	obfuscating	obfuscating	ADJ
fsr-3656	237	7	statutory	statutory	ADJ
fsr-3656	237	8	accounting	accounting	NOUN
fsr-3656	237	9	practices	practice	NOUN
fsr-3656	237	10	of	of	ADP
fsr-3656	237	11	insurers	insurer	NOUN
fsr-3656	237	12	.	.	PUNCT
fsr-3656	238	1	for	for	ADP
fsr-3656	238	2	instance	instance	NOUN
fsr-3656	238	3	,	,	PUNCT
fsr-3656	238	4	although	although	SCONJ
fsr-3656	238	5	overall	overall	ADJ
fsr-3656	238	6	ratios	ratio	NOUN
fsr-3656	238	7	for	for	ADP
fsr-3656	238	8	underwriting	underwriting	NOUN
fsr-3656	238	9	losses	loss	NOUN
fsr-3656	238	10	to	to	ADP
fsr-3656	238	11	premiums	premium	NOUN
fsr-3656	238	12	and	and	CCONJ
fsr-3656	238	13	underwriting	underwriting	NOUN
fsr-3656	238	14	expenses	expense	NOUN
fsr-3656	238	15	to	to	ADP
fsr-3656	238	16	premiums	premium	NOUN
fsr-3656	238	17	are	be	AUX
fsr-3656	238	18	available	available	ADJ
fsr-3656	238	19	for	for	ADP
fsr-3656	238	20	total	total	ADJ
fsr-3656	238	21	accident	accident	NOUN
fsr-3656	238	22	and	and	CCONJ
fsr-3656	238	23	health	health	NOUN
fsr-3656	238	24	insurance	insurance	NOUN
fsr-3656	238	25	lines	line	NOUN
fsr-3656	238	26	written	write	VERB
fsr-3656	238	27	by	by	ADP
fsr-3656	238	28	the	the	DET
fsr-3656	238	29	life	life	NOUN
fsr-3656	238	30	and	and	CCONJ
fsr-3656	238	31	health	health	NOUN
fsr-3656	238	32	insurer	insurer	NOUN
fsr-3656	238	33	,	,	PUNCT
fsr-3656	238	34	information	information	NOUN
fsr-3656	238	35	specific	specific	ADJ
fsr-3656	238	36	to	to	ADP
fsr-3656	238	37	disability	disability	NOUN
fsr-3656	238	38	lines	line	NOUN
fsr-3656	238	39	only	only	ADV
fsr-3656	238	40	is	be	AUX
fsr-3656	238	41	not	not	PART
fsr-3656	238	42	(	(	PUNCT
fsr-3656	238	43	zucconi	zucconi	ADJ
fsr-3656	238	44	,	,	PUNCT
fsr-3656	238	45	1987	1987	NUM
fsr-3656	238	46	,	,	PUNCT
fsr-3656	238	47	pp	pp	ADV
fsr-3656	238	48	.	.	PUNCT
fsr-3656	239	1	17618	17618	NUM
fsr-3656	239	2	1	1	NUM
fsr-3656	239	3	,	,	PUNCT
fsr-3656	239	4	226	226	NUM
fsr-3656	239	5	-	-	SYM
fsr-3656	239	6	227	227	NUM
fsr-3656	239	7	;	;	PUNCT
fsr-3656	239	8	doligalski	doligalski	NOUN
fsr-3656	239	9	,	,	PUNCT
fsr-3656	239	10	1990	1990	NUM
fsr-3656	239	11	)	)	PUNCT
fsr-3656	239	12	.	.	PUNCT
fsr-3656	240	1	past	past	ADJ
fsr-3656	240	2	records	record	NOUN
fsr-3656	240	3	of	of	ADP
fsr-3656	240	4	claims	claim	NOUN
fsr-3656	240	5	service	service	NOUN
fsr-3656	240	6	and	and	CCONJ
fsr-3656	240	7	rehabilitation	rehabilitation	NOUN
fsr-3656	240	8	intervention	intervention	NOUN
fsr-3656	240	9	also	also	ADV
fsr-3656	240	10	are	be	AUX
fsr-3656	240	11	likely	likely	ADJ
fsr-3656	240	12	to	to	PART
fsr-3656	240	13	vary	vary	VERB
fsr-3656	240	14	widely	widely	ADV
fsr-3656	240	15	across	across	ADP
fsr-3656	240	16	insurers	insurer	NOUN
fsr-3656	240	17	.	.	PUNCT
fsr-3656	241	1	for	for	ADP
fsr-3656	241	2	instance	instance	NOUN
fsr-3656	241	3	,	,	PUNCT
fsr-3656	241	4	one	one	NUM
fsr-3656	241	5	insurer	insurer	NOUN
fsr-3656	241	6	recently	recently	ADV
fsr-3656	241	7	revealed	reveal	VERB
fsr-3656	241	8	a	a	DET
fsr-3656	241	9	new	new	ADJ
fsr-3656	241	10	group	group	NOUN
fsr-3656	241	11	plan	plan	NOUN
fsr-3656	241	12	with	with	ADP
fsr-3656	241	13	the	the	DET
fsr-3656	241	14	announced	announce	VERB
fsr-3656	241	15	goal	goal	NOUN
fsr-3656	241	16	of	of	ADP
fsr-3656	241	17	early	early	ADJ
fsr-3656	241	18	intervention	intervention	NOUN
fsr-3656	241	19	and	and	CCONJ
fsr-3656	241	20	rehabilitation	rehabilitation	NOUN
fsr-3656	241	21	resulting	result	VERB
fsr-3656	241	22	in	in	ADP
fsr-3656	241	23	“	"	PUNCT
fsr-3656	241	24	a	a	DET
fsr-3656	241	25	quick	quick	ADJ
fsr-3656	241	26	return	return	NOUN
fsr-3656	241	27	to	to	ADP
fsr-3656	241	28	work	work	NOUN
fsr-3656	241	29	,	,	PUNCT
fsr-3656	241	30	accompanied	accompany	VERB
fsr-3656	241	31	by	by	ADP
fsr-3656	241	32	a	a	DET
fsr-3656	241	33	smooth	smooth	ADJ
fsr-3656	241	34	flow	flow	NOUN
fsr-3656	241	35	of	of	ADP
fsr-3656	241	36	financial	financial	ADJ
fsr-3656	241	37	support	support	NOUN
fsr-3656	241	38	”	"	PUNCT
fsr-3656	241	39	(	(	PUNCT
fsr-3656	241	40	koco	koco	NOUN
fsr-3656	241	41	,	,	PUNCT
fsr-3656	241	42	1990	1990	NUM
fsr-3656	241	43	)	)	PUNCT
fsr-3656	241	44	.	.	PUNCT
fsr-3656	242	1	unless	unless	SCONJ
fsr-3656	242	2	further	further	ADJ
fsr-3656	242	3	disclosure	disclosure	NOUN
fsr-3656	242	4	is	be	AUX
fsr-3656	242	5	provided	provide	VERB
fsr-3656	242	6	by	by	ADP
fsr-3656	242	7	insurers	insurer	NOUN
fsr-3656	242	8	or	or	CCONJ
fsr-3656	242	9	regulators	regulator	NOUN
fsr-3656	242	10	,	,	PUNCT
fsr-3656	242	11	the	the	DET
fsr-3656	242	12	individual	individual	NOUN
fsr-3656	242	13	(	(	PUNCT
fsr-3656	242	14	or	or	CCONJ
fsr-3656	242	15	employer	employer	NOUN
fsr-3656	242	16	)	)	PUNCT
fsr-3656	242	17	will	will	AUX
fsr-3656	242	18	have	have	VERB
fsr-3656	242	19	no	no	DET
fsr-3656	242	20	way	way	NOUN
fsr-3656	242	21	of	of	ADP
fsr-3656	242	22	evaluating	evaluate	VERB
fsr-3656	242	23	such	such	ADJ
fsr-3656	242	24	marketing	marketing	NOUN
fsr-3656	242	25	claims	claim	NOUN
fsr-3656	242	26	.	.	PUNCT
fsr-3656	243	1	for	for	ADP
fsr-3656	243	2	the	the	DET
fsr-3656	243	3	most	most	ADJ
fsr-3656	243	4	part	part	NOUN
fsr-3656	243	5	,	,	PUNCT
fsr-3656	243	6	research	research	NOUN
fsr-3656	243	7	into	into	ADP
fsr-3656	243	8	di	di	NOUN
fsr-3656	243	9	insurance	insurance	NOUN
fsr-3656	243	10	has	have	AUX
fsr-3656	243	11	been	be	AUX
fsr-3656	243	12	descriptive	descriptive	ADJ
fsr-3656	243	13	in	in	ADP
fsr-3656	243	14	nature	nature	NOUN
fsr-3656	243	15	and	and	CCONJ
fsr-3656	243	16	focused	focus	VERB
fsr-3656	243	17	upon	upon	SCONJ
fsr-3656	243	18	social	social	ADJ
fsr-3656	243	19	programs	program	NOUN
fsr-3656	243	20	and	and	CCONJ
fsr-3656	243	21	public	public	ADJ
fsr-3656	243	22	policy	policy	NOUN
fsr-3656	243	23	.	.	PUNCT
fsr-3656	244	1	the	the	DET
fsr-3656	244	2	many	many	ADJ
fsr-3656	244	3	empirical	empirical	ADJ
fsr-3656	244	4	studies	study	NOUN
fsr-3656	244	5	addressing	address	VERB
fsr-3656	244	6	ssdi	ssdi	NOUN
fsr-3656	244	7	and	and	CCONJ
fsr-3656	244	8	workers’compensation	workers’compensation	NOUN
fsr-3656	244	9	benefits	benefit	NOUN
fsr-3656	244	10	indicate	indicate	VERB
fsr-3656	244	11	that	that	SCONJ
fsr-3656	244	12	these	these	DET
fsr-3656	244	13	programs	program	NOUN
fsr-3656	244	14	are	be	AUX
fsr-3656	244	15	likely	likely	ADJ
fsr-3656	244	16	to	to	PART
fsr-3656	244	17	be	be	AUX
fsr-3656	244	18	of	of	ADP
fsr-3656	244	19	limited	limited	ADJ
fsr-3656	244	20	value	value	NOUN
fsr-3656	244	21	to	to	ADP
fsr-3656	244	22	middle	middle	ADJ
fsr-3656	244	23	and	and	CCONJ
fsr-3656	244	24	upper	upper	ADJ
fsr-3656	244	25	class	class	NOUN
fsr-3656	244	26	individuals	individual	NOUN
fsr-3656	244	27	.	.	PUNCT
fsr-3656	245	1	the	the	DET
fsr-3656	245	2	research	research	NOUN
fsr-3656	245	3	pertaining	pertain	VERB
fsr-3656	245	4	to	to	ADP
fsr-3656	245	5	private	private	ADJ
fsr-3656	245	6	di	di	NOUN
fsr-3656	245	7	insurance	insurance	NOUN
fsr-3656	245	8	markets	market	NOUN
fsr-3656	245	9	also	also	ADV
fsr-3656	245	10	has	have	AUX
fsr-3656	245	11	been	be	AUX
fsr-3656	245	12	largely	largely	ADV
fsr-3656	245	13	descriptive	descriptive	ADJ
fsr-3656	245	14	,	,	PUNCT
fsr-3656	245	15	but	but	CCONJ
fsr-3656	245	16	does	do	AUX
fsr-3656	245	17	provide	provide	VERB
fsr-3656	245	18	some	some	DET
fsr-3656	245	19	insight	insight	NOUN
fsr-3656	245	20	into	into	ADP
fsr-3656	245	21	the	the	DET
fsr-3656	245	22	buying	buying	NOUN
fsr-3656	245	23	behavior	behavior	NOUN
fsr-3656	245	24	of	of	ADP
fsr-3656	245	25	different	different	ADJ
fsr-3656	245	26	demographic	demographic	ADJ
fsr-3656	245	27	groups	group	NOUN
fsr-3656	245	28	and	and	CCONJ
fsr-3656	245	29	the	the	DET
fsr-3656	245	30	pricing	pricing	NOUN
fsr-3656	245	31	of	of	ADP
fsr-3656	245	32	individual	individual	ADJ
fsr-3656	245	33	products	product	NOUN
fsr-3656	245	34	.	.	PUNCT
fsr-3656	246	1	the	the	DET
fsr-3656	246	2	available	available	ADJ
fsr-3656	246	3	evidence	evidence	NOUN
fsr-3656	246	4	only	only	ADV
fsr-3656	246	5	raises	raise	VERB
fsr-3656	246	6	more	more	ADJ
fsr-3656	246	7	questions	question	NOUN
fsr-3656	246	8	about	about	ADP
fsr-3656	246	9	the	the	DET
fsr-3656	246	10	limited	limited	ADJ
fsr-3656	246	11	acceptance	acceptance	NOUN
fsr-3656	246	12	of	of	ADP
fsr-3656	246	13	individual	individual	ADJ
fsr-3656	246	14	di	di	NOUN
fsr-3656	246	15	insurance	insurance	NOUN
fsr-3656	246	16	plans	plan	NOUN
fsr-3656	246	17	by	by	ADP
fsr-3656	246	18	the	the	DET
fsr-3656	246	19	buying	buying	NOUN
fsr-3656	246	20	public	public	NOUN
fsr-3656	246	21	and	and	CCONJ
fsr-3656	246	22	the	the	DET
fsr-3656	246	23	extent	extent	NOUN
fsr-3656	246	24	to	to	PART
fsr-3656	246	25	which	which	PRON
fsr-3656	246	26	essential	essential	ADJ
fsr-3656	246	27	information	information	NOUN
fsr-3656	246	28	is	be	AUX
fsr-3656	246	29	available	available	ADJ
fsr-3656	246	30	to	to	ADP
fsr-3656	246	31	individuals	individual	NOUN
fsr-3656	246	32	.	.	PUNCT
fsr-3656	247	1	concluding	conclude	VERB
fsr-3656	247	2	remarks	remark	NOUN
fsr-3656	247	3	are	be	AUX
fsr-3656	247	4	provided	provide	VERB
fsr-3656	247	5	in	in	ADP
fsr-3656	247	6	the	the	DET
fsr-3656	247	7	following	follow	VERB
fsr-3656	247	8	section	section	NOUN
fsr-3656	247	9	.	.	PUNCT
fsr-3656	248	1	conclusions	conclusion	NOUN
fsr-3656	248	2	the	the	DET
fsr-3656	248	3	preponderance	preponderance	NOUN
fsr-3656	248	4	of	of	ADP
fsr-3656	248	5	research	research	NOUN
fsr-3656	248	6	efforts	effort	NOUN
fsr-3656	248	7	pertaining	pertain	VERB
fsr-3656	248	8	to	to	ADP
fsr-3656	248	9	disability	disability	NOUN
fsr-3656	248	10	income	income	NOUN
fsr-3656	248	11	protection	protection	NOUN
fsr-3656	248	12	focuses	focus	VERB
fsr-3656	248	13	upon	upon	SCONJ
fsr-3656	248	14	social	social	ADJ
fsr-3656	248	15	insurance	insurance	NOUN
fsr-3656	248	16	and	and	CCONJ
fsr-3656	248	17	public	public	ADJ
fsr-3656	248	18	policy	policy	NOUN
fsr-3656	248	19	.	.	PUNCT
fsr-3656	249	1	much	much	ADJ
fsr-3656	249	2	of	of	ADP
fsr-3656	249	3	this	this	DET
fsr-3656	249	4	ohability	ohability	NOUN
fsr-3656	249	5	income	income	NOUN
fsr-3656	249	6	insurance	insurance	NOUN
fsr-3656	249	7	and	and	CCONJ
fsr-3656	249	8	the	the	DET
fsr-3656	249	9	zndividual	zndividual	ADJ
fsr-3656	249	10	75	75	NUM
fsr-3656	249	11	research	research	NOUN
fsr-3656	249	12	has	have	AUX
fsr-3656	249	13	been	be	AUX
fsr-3656	249	14	conducted	conduct	VERB
fsr-3656	249	15	or	or	CCONJ
fsr-3656	249	16	sponsored	sponsor	VERB
fsr-3656	249	17	by	by	ADP
fsr-3656	249	18	u.s	u.s	PROPN
fsr-3656	249	19	.	.	PROPN
fsr-3656	249	20	government	government	NOUN
fsr-3656	249	21	agencies	agency	NOUN
fsr-3656	249	22	,	,	PUNCT
fsr-3656	249	23	which	which	PRON
fsr-3656	249	24	may	may	AUX
fsr-3656	249	25	explain	explain	VERB
fsr-3656	249	26	the	the	DET
fsr-3656	249	27	dominance	dominance	NOUN
fsr-3656	249	28	of	of	ADP
fsr-3656	249	29	a	a	DET
fsr-3656	249	30	public	public	ADJ
fsr-3656	249	31	policy	policy	NOUN
fsr-3656	249	32	perspective	perspective	NOUN
fsr-3656	249	33	.	.	PUNCT
fsr-3656	250	1	as	as	ADP
fsr-3656	250	2	with	with	ADP
fsr-3656	250	3	many	many	ADJ
fsr-3656	250	4	other	other	ADJ
fsr-3656	250	5	areas	area	NOUN
fsr-3656	250	6	of	of	ADP
fsr-3656	250	7	individual	individual	ADJ
fsr-3656	250	8	financial	financial	ADJ
fsr-3656	250	9	management	management	NOUN
fsr-3656	250	10	,	,	PUNCT
fsr-3656	250	11	optimal	optimal	ADJ
fsr-3656	250	12	risk	risk	NOUN
fsr-3656	250	13	management	management	NOUN
fsr-3656	250	14	practices	practice	NOUN
fsr-3656	250	15	applicable	applicable	ADJ
fsr-3656	250	16	to	to	ADP
fsr-3656	250	17	the	the	DET
fsr-3656	250	18	disability	disability	NOUN
fsr-3656	250	19	loss	loss	NOUN
fsr-3656	250	20	exposure	exposure	NOUN
fsr-3656	250	21	have	have	AUX
fsr-3656	250	22	not	not	PART
fsr-3656	250	23	been	be	AUX
fsr-3656	250	24	adequately	adequately	ADV
fsr-3656	250	25	modelled	model	VERB
fsr-3656	250	26	.	.	PUNCT
fsr-3656	251	1	potential	potential	ADJ
fsr-3656	251	2	research	research	NOUN
fsr-3656	251	3	topics	topic	NOUN
fsr-3656	251	4	may	may	AUX
fsr-3656	251	5	be	be	AUX
fsr-3656	251	6	found	find	VERB
fsr-3656	251	7	in	in	ADP
fsr-3656	251	8	the	the	DET
fsr-3656	251	9	categories	category	NOUN
fsr-3656	251	10	of	of	ADP
fsr-3656	251	11	disability	disability	NOUN
fsr-3656	251	12	insurance	insurance	NOUN
fsr-3656	251	13	markets	market	NOUN
fsr-3656	251	14	,	,	PUNCT
fsr-3656	251	15	individual	individual	ADJ
fsr-3656	251	16	planning	planning	NOUN
fsr-3656	251	17	,	,	PUNCT
fsr-3656	251	18	and	and	CCONJ
fsr-3656	251	19	insurance	insurance	NOUN
fsr-3656	251	20	portfolio	portfolio	NOUN
fsr-3656	251	21	formation	formation	NOUN
fsr-3656	251	22	.	.	PUNCT
fsr-3656	252	1	a	a	DET
fsr-3656	252	2	number	number	NOUN
fsr-3656	252	3	of	of	ADP
fsr-3656	252	4	questions	question	NOUN
fsr-3656	252	5	regarding	regard	VERB
fsr-3656	252	6	disability	disability	NOUN
fsr-3656	252	7	insurance	insurance	NOUN
fsr-3656	252	8	markets	market	NOUN
fsr-3656	252	9	need	need	VERB
fsr-3656	252	10	further	further	ADJ
fsr-3656	252	11	investigation	investigation	NOUN
fsr-3656	252	12	.	.	PUNCT
fsr-3656	253	1	for	for	ADP
fsr-3656	253	2	example	example	NOUN
fsr-3656	253	3	,	,	PUNCT
fsr-3656	253	4	why	why	SCONJ
fsr-3656	253	5	is	be	AUX
fsr-3656	253	6	disability	disability	NOUN
fsr-3656	253	7	insurance	insurance	NOUN
fsr-3656	253	8	so	so	ADV
fsr-3656	253	9	widely	widely	ADV
fsr-3656	253	10	recognized	recognize	VERB
fsr-3656	253	11	as	as	ADP
fsr-3656	253	12	a	a	DET
fsr-3656	253	13	fundamental	fundamental	ADJ
fsr-3656	253	14	need	need	NOUN
fsr-3656	253	15	by	by	ADP
fsr-3656	253	16	financial	financial	ADJ
fsr-3656	253	17	planners	planner	NOUN
fsr-3656	253	18	and	and	CCONJ
fsr-3656	253	19	authors	author	NOUN
fsr-3656	253	20	,	,	PUNCT
fsr-3656	253	21	yet	yet	CCONJ
fsr-3656	253	22	relatively	relatively	ADV
fsr-3656	253	23	little	little	ADJ
fsr-3656	253	24	insurance	insurance	NOUN
fsr-3656	253	25	is	be	AUX
fsr-3656	253	26	purchased	purchase	VERB
fsr-3656	253	27	,	,	PUNCT
fsr-3656	253	28	especially	especially	ADV
fsr-3656	253	29	to	to	PART
fsr-3656	253	30	meet	meet	VERB
fsr-3656	253	31	the	the	DET
fsr-3656	253	32	ltd	ltd	PROPN
fsr-3656	253	33	exposure	exposure	NOUN
fsr-3656	253	34	?	?	PUNCT
fsr-3656	254	1	are	be	AUX
fsr-3656	254	2	individuals	individual	NOUN
fsr-3656	254	3	really	really	ADV
fsr-3656	254	4	exhibiting	exhibit	VERB
fsr-3656	254	5	behavior	behavior	NOUN
fsr-3656	254	6	that	that	PRON
fsr-3656	254	7	is	be	AUX
fsr-3656	254	8	close	close	ADJ
fsr-3656	254	9	to	to	ADP
fsr-3656	254	10	optimal	optimal	ADJ
fsr-3656	254	11	?	?	PUNCT
fsr-3656	255	1	are	be	AUX
fsr-3656	255	2	disability	disability	NOUN
fsr-3656	255	3	insurance	insurance	NOUN
fsr-3656	255	4	markets	market	NOUN
fsr-3656	255	5	efficient	efficient	ADJ
fsr-3656	255	6	in	in	ADP
fsr-3656	255	7	terms	term	NOUN
fsr-3656	255	8	of	of	ADP
fsr-3656	255	9	information	information	NOUN
fsr-3656	255	10	dissemination	dissemination	NOUN
fsr-3656	255	11	?	?	PUNCT
fsr-3656	256	1	if	if	SCONJ
fsr-3656	256	2	not	not	PART
fsr-3656	256	3	,	,	PUNCT
fsr-3656	256	4	how	how	SCONJ
fsr-3656	256	5	can	can	AUX
fsr-3656	256	6	informational	informational	ADJ
fsr-3656	256	7	constraints	constraint	NOUN
fsr-3656	256	8	best	well	ADV
fsr-3656	256	9	be	be	AUX
fsr-3656	256	10	relaxed	relax	VERB
fsr-3656	256	11	or	or	CCONJ
fsr-3656	256	12	removed	remove	VERB
fsr-3656	256	13	?	?	PUNCT
fsr-3656	257	1	can	can	AUX
fsr-3656	257	2	comparative	comparative	VERB
fsr-3656	257	3	cost	cost	NOUN
fsr-3656	257	4	indices	index	NOUN
fsr-3656	257	5	be	be	AUX
fsr-3656	257	6	constructed	construct	VERB
fsr-3656	257	7	that	that	PRON
fsr-3656	257	8	will	will	AUX
fsr-3656	257	9	be	be	AUX
fsr-3656	257	10	adequate	adequate	ADJ
fsr-3656	257	11	and	and	CCONJ
fsr-3656	257	12	comprehensible	comprehensible	ADJ
fsr-3656	257	13	for	for	ADP
fsr-3656	257	14	implementation	implementation	NOUN
fsr-3656	257	15	by	by	ADP
fsr-3656	257	16	consumers	consumer	NOUN
fsr-3656	257	17	?	?	PUNCT
fsr-3656	258	1	many	many	ADJ
fsr-3656	258	2	individual	individual	ADJ
fsr-3656	258	3	planning	planning	NOUN
fsr-3656	258	4	questions	question	NOUN
fsr-3656	258	5	may	may	AUX
fsr-3656	258	6	interest	interest	VERB
fsr-3656	258	7	the	the	DET
fsr-3656	258	8	prospective	prospective	ADJ
fsr-3656	258	9	researcher	researcher	NOUN
fsr-3656	258	10	.	.	PUNCT
fsr-3656	259	1	how	how	SCONJ
fsr-3656	259	2	can	can	AUX
fsr-3656	259	3	disability	disability	NOUN
fsr-3656	259	4	income	income	NOUN
fsr-3656	259	5	needs	need	NOUN
fsr-3656	259	6	be	be	AUX
fsr-3656	259	7	better	well	ADV
fsr-3656	259	8	modelled	model	VERB
fsr-3656	259	9	in	in	ADP
fsr-3656	259	10	financial	financial	ADJ
fsr-3656	259	11	planning	planning	NOUN
fsr-3656	259	12	programs	program	NOUN
fsr-3656	259	13	?	?	PUNCT
fsr-3656	260	1	can	can	AUX
fsr-3656	260	2	“	"	PUNCT
fsr-3656	260	3	additional	additional	ADJ
fsr-3656	260	4	”	"	PUNCT
fsr-3656	260	5	disability	disability	NOUN
fsr-3656	260	6	-	-	PUNCT
fsr-3656	260	7	related	relate	VERB
fsr-3656	260	8	costs	cost	NOUN
fsr-3656	260	9	,	,	PUNCT
fsr-3656	260	10	such	such	ADJ
fsr-3656	260	11	as	as	ADP
fsr-3656	260	12	nursing	nursing	NOUN
fsr-3656	260	13	care	care	NOUN
fsr-3656	260	14	or	or	CCONJ
fsr-3656	260	15	child	child	NOUN
fsr-3656	260	16	care	care	NOUN
fsr-3656	260	17	,	,	PUNCT
fsr-3656	260	18	be	be	AUX
fsr-3656	260	19	reasonably	reasonably	ADV
fsr-3656	260	20	predicted	predict	VERB
fsr-3656	260	21	and	and	CCONJ
fsr-3656	260	22	included	include	VERB
fsr-3656	260	23	in	in	ADP
fsr-3656	260	24	individual	individual	ADJ
fsr-3656	260	25	needs	need	NOUN
fsr-3656	260	26	models	model	NOUN
fsr-3656	260	27	?	?	PUNCT
fsr-3656	261	1	can	can	AUX
fsr-3656	261	2	optimal	optimal	ADJ
fsr-3656	261	3	packages	package	NOUN
fsr-3656	261	4	of	of	ADP
fsr-3656	261	5	contractual	contractual	ADJ
fsr-3656	261	6	options	option	NOUN
fsr-3656	261	7	be	be	AUX
fsr-3656	261	8	modelled	model	VERB
fsr-3656	261	9	?	?	PUNCT
fsr-3656	262	1	what	what	PRON
fsr-3656	262	2	trade	trade	NOUN
fsr-3656	262	3	offs	off	NOUN
fsr-3656	262	4	may	may	AUX
fsr-3656	262	5	the	the	DET
fsr-3656	262	6	individual	individual	NOUN
fsr-3656	262	7	reasonably	reasonably	ADV
fsr-3656	262	8	consider	consider	VERB
fsr-3656	262	9	between	between	ADP
fsr-3656	262	10	di	di	NOUN
fsr-3656	262	11	insurance	insurance	NOUN
fsr-3656	262	12	,	,	PUNCT
fsr-3656	262	13	alternative	alternative	ADJ
fsr-3656	262	14	risk	risk	NOUN
fsr-3656	262	15	management	management	NOUN
fsr-3656	262	16	techniques	technique	NOUN
fsr-3656	262	17	,	,	PUNCT
fsr-3656	262	18	liquid	liquid	ADJ
fsr-3656	262	19	financial	financial	ADJ
fsr-3656	262	20	assets	asset	NOUN
fsr-3656	262	21	,	,	PUNCT
fsr-3656	262	22	and	and	CCONJ
fsr-3656	262	23	disability	disability	NOUN
fsr-3656	262	24	pension	pension	NOUN
fsr-3656	262	25	benefits	benefit	NOUN
fsr-3656	262	26	?	?	PUNCT
fsr-3656	263	1	supplier	supplier	NOUN
fsr-3656	263	2	attributes	attribute	NOUN
fsr-3656	263	3	also	also	ADV
fsr-3656	263	4	deserve	deserve	VERB
fsr-3656	263	5	closer	close	ADJ
fsr-3656	263	6	examination	examination	NOUN
fsr-3656	263	7	.	.	PUNCT
fsr-3656	264	1	how	how	SCONJ
fsr-3656	264	2	can	can	AUX
fsr-3656	264	3	the	the	DET
fsr-3656	264	4	individual	individual	ADJ
fsr-3656	264	5	best	good	ADJ
fsr-3656	264	6	assess	assess	VERB
fsr-3656	264	7	the	the	DET
fsr-3656	264	8	underwriting	underwriting	NOUN
fsr-3656	264	9	leverage	leverage	NOUN
fsr-3656	264	10	and	and	CCONJ
fsr-3656	264	11	efficiency	efficiency	NOUN
fsr-3656	264	12	of	of	ADP
fsr-3656	264	13	prospective	prospective	ADJ
fsr-3656	264	14	suppliers	supplier	NOUN
fsr-3656	264	15	?	?	PUNCT
fsr-3656	265	1	how	how	SCONJ
fsr-3656	265	2	can	can	AUX
fsr-3656	265	3	claims	claim	VERB
fsr-3656	265	4	service	service	NOUN
fsr-3656	265	5	and	and	CCONJ
fsr-3656	265	6	rehabilitation	rehabilitation	NOUN
fsr-3656	265	7	services	service	NOUN
fsr-3656	265	8	be	be	AUX
fsr-3656	265	9	evaluated	evaluate	VERB
fsr-3656	265	10	?	?	PUNCT
fsr-3656	266	1	once	once	SCONJ
fsr-3656	266	2	the	the	DET
fsr-3656	266	3	preceding	precede	VERB
fsr-3656	266	4	issues	issue	NOUN
fsr-3656	266	5	are	be	AUX
fsr-3656	266	6	investigated	investigate	VERB
fsr-3656	266	7	,	,	PUNCT
fsr-3656	266	8	the	the	DET
fsr-3656	266	9	scope	scope	NOUN
fsr-3656	266	10	of	of	ADP
fsr-3656	266	11	disability	disability	NOUN
fsr-3656	266	12	income	income	NOUN
fsr-3656	266	13	research	research	NOUN
fsr-3656	266	14	can	can	AUX
fsr-3656	266	15	be	be	AUX
fsr-3656	266	16	expanded	expand	VERB
fsr-3656	266	17	.	.	PUNCT
fsr-3656	267	1	for	for	ADP
fsr-3656	267	2	instance	instance	NOUN
fsr-3656	267	3	,	,	PUNCT
fsr-3656	267	4	can	can	AUX
fsr-3656	267	5	optimal	optimal	ADJ
fsr-3656	267	6	portfolios	portfolio	NOUN
fsr-3656	267	7	containing	contain	VERB
fsr-3656	267	8	disability	disability	NOUN
fsr-3656	267	9	,	,	PUNCT
fsr-3656	267	10	medical	medical	ADJ
fsr-3656	267	11	expense	expense	NOUN
fsr-3656	267	12	,	,	PUNCT
fsr-3656	267	13	life	life	NOUN
fsr-3656	267	14	,	,	PUNCT
fsr-3656	267	15	and	and	CCONJ
fsr-3656	267	16	other	other	ADJ
fsr-3656	267	17	types	type	NOUN
fsr-3656	267	18	of	of	ADP
fsr-3656	267	19	insurance	insurance	NOUN
fsr-3656	267	20	be	be	AUX
fsr-3656	267	21	developed	develop	VERB
fsr-3656	267	22	using	use	VERB
fsr-3656	267	23	models	model	NOUN
fsr-3656	267	24	comparable	comparable	ADJ
fsr-3656	267	25	to	to	ADP
fsr-3656	267	26	those	those	PRON
fsr-3656	267	27	described	describe	VERB
fsr-3656	267	28	in	in	ADP
fsr-3656	267	29	modern	modern	ADJ
fsr-3656	267	30	portfolio	portfolio	NOUN
fsr-3656	267	31	theory	theory	NOUN
fsr-3656	267	32	?	?	PUNCT
fsr-3656	268	1	can	can	AUX
fsr-3656	268	2	optimal	optimal	ADJ
fsr-3656	268	3	insurance	insurance	NOUN
fsr-3656	268	4	and	and	CCONJ
fsr-3656	268	5	investment	investment	NOUN
fsr-3656	268	6	portfolios	portfolio	NOUN
fsr-3656	268	7	be	be	AUX
fsr-3656	268	8	reconciled	reconcile	VERB
fsr-3656	268	9	and	and	CCONJ
fsr-3656	268	10	solutions	solution	NOUN
fsr-3656	268	11	devised	devise	VERB
fsr-3656	268	12	that	that	PRON
fsr-3656	268	13	can	can	AUX
fsr-3656	268	14	be	be	AUX
fsr-3656	268	15	reasonably	reasonably	ADV
fsr-3656	268	16	implemented	implement	VERB
fsr-3656	268	17	by	by	ADP
fsr-3656	268	18	individuals	individual	NOUN
fsr-3656	268	19	?	?	PUNCT
fsr-3656	269	1	can	can	AUX
fsr-3656	269	2	integrated	integrate	VERB
fsr-3656	269	3	packages	package	NOUN
fsr-3656	269	4	of	of	ADP
fsr-3656	269	5	disability	disability	NOUN
fsr-3656	269	6	income	income	NOUN
fsr-3656	269	7	insurance	insurance	NOUN
fsr-3656	269	8	be	be	AUX
fsr-3656	269	9	produced	produce	VERB
fsr-3656	269	10	to	to	PART
fsr-3656	269	11	replace	replace	VERB
fsr-3656	269	12	the	the	DET
fsr-3656	269	13	current	current	ADJ
fsr-3656	269	14	agglomeration	agglomeration	NOUN
fsr-3656	269	15	of	of	ADP
fsr-3656	269	16	programs	program	NOUN
fsr-3656	269	17	available	available	ADJ
fsr-3656	269	18	from	from	ADP
fsr-3656	269	19	public	public	ADJ
fsr-3656	269	20	and	and	CCONJ
fsr-3656	269	21	private	private	ADJ
fsr-3656	269	22	suppliers	supplier	NOUN
fsr-3656	269	23	?	?	PUNCT
fsr-3656	270	1	the	the	DET
fsr-3656	270	2	paucity	paucity	NOUN
fsr-3656	270	3	of	of	ADP
fsr-3656	270	4	rigorous	rigorous	ADJ
fsr-3656	270	5	research	research	NOUN
fsr-3656	270	6	in	in	ADP
fsr-3656	270	7	di	di	NOUN
fsr-3656	270	8	insurance	insurance	NOUN
fsr-3656	270	9	provides	provide	VERB
fsr-3656	270	10	a	a	DET
fsr-3656	270	11	unique	unique	ADJ
fsr-3656	270	12	opportunity	opportunity	NOUN
fsr-3656	270	13	to	to	ADP
fsr-3656	270	14	the	the	DET
fsr-3656	270	15	innovative	innovative	ADJ
fsr-3656	270	16	researcher	researcher	NOUN
fsr-3656	270	17	.	.	PUNCT
fsr-3656	271	1	major	major	ADJ
fsr-3656	271	2	objectives	objective	NOUN
fsr-3656	271	3	of	of	ADP
fsr-3656	271	4	this	this	DET
fsr-3656	271	5	review	review	NOUN
fsr-3656	271	6	have	have	AUX
fsr-3656	271	7	been	be	AUX
fsr-3656	271	8	(	(	PUNCT
fsr-3656	271	9	1	1	X
fsr-3656	271	10	)	)	PUNCT
fsr-3656	271	11	to	to	PART
fsr-3656	271	12	provide	provide	VERB
fsr-3656	271	13	the	the	DET
fsr-3656	271	14	prospective	prospective	ADJ
fsr-3656	271	15	researcher	researcher	NOUN
fsr-3656	271	16	with	with	ADP
fsr-3656	271	17	a	a	DET
fsr-3656	271	18	foundation	foundation	NOUN
fsr-3656	271	19	for	for	ADP
fsr-3656	271	20	understanding	understand	VERB
fsr-3656	271	21	essential	essential	ADJ
fsr-3656	271	22	disability	disability	NOUN
fsr-3656	271	23	insurance	insurance	NOUN
fsr-3656	271	24	issues	issue	NOUN
fsr-3656	271	25	and	and	CCONJ
fsr-3656	271	26	the	the	DET
fsr-3656	271	27	underlying	underlie	VERB
fsr-3656	271	28	market	market	NOUN
fsr-3656	271	29	structure	structure	NOUN
fsr-3656	271	30	and	and	CCONJ
fsr-3656	271	31	(	(	PUNCT
fsr-3656	271	32	2	2	NUM
fsr-3656	271	33	)	)	PUNCT
fsr-3656	271	34	to	to	PART
fsr-3656	271	35	stimulate	stimulate	VERB
fsr-3656	271	36	interest	interest	NOUN
fsr-3656	271	37	in	in	ADP
fsr-3656	271	38	some	some	PRON
fsr-3656	271	39	of	of	ADP
fsr-3656	271	40	the	the	DET
fsr-3656	271	41	previously	previously	ADV
fsr-3656	271	42	discussed	discuss	VERB
fsr-3656	271	43	research	research	NOUN
fsr-3656	271	44	topics	topic	NOUN
fsr-3656	271	45	related	relate	VERB
fsr-3656	271	46	to	to	ADP
fsr-3656	271	47	disability	disability	NOUN
fsr-3656	271	48	income	income	NOUN
fsr-3656	271	49	insurance	insurance	NOUN
fsr-3656	271	50	,	,	PUNCT
fsr-3656	271	51	an	an	DET
fsr-3656	271	52	area	area	NOUN
fsr-3656	271	53	largely	largely	ADV
fsr-3656	271	54	ignored	ignore	VERB
fsr-3656	271	55	in	in	ADP
fsr-3656	271	56	the	the	DET
fsr-3656	271	57	academic	academic	ADJ
fsr-3656	271	58	research	research	NOUN
fsr-3656	271	59	literature	literature	NOUN
fsr-3656	271	60	of	of	ADP
fsr-3656	271	61	economics	economic	NOUN
fsr-3656	271	62	,	,	PUNCT
fsr-3656	271	63	finance	finance	NOUN
fsr-3656	271	64	,	,	PUNCT
fsr-3656	271	65	and	and	CCONJ
fsr-3656	271	66	insurance	insurance	NOUN
fsr-3656	271	67	.	.	PUNCT
fsr-3656	272	1	76	76	NUM
fsr-3656	272	2	financial	financial	ADJ
fsr-3656	272	3	services	service	NOUN
fsr-3656	272	4	review	review	NOUN
fsr-3656	272	5	,	,	PUNCT
fsr-3656	272	6	l(1	l(1	PROPN
fsr-3656	272	7	)	)	PUNCT
fsr-3656	272	8	1991	1991	NUM
fsr-3656	272	9	4	4	NUM
fsr-3656	272	10	.	.	NOUN
fsr-3656	272	11	5	5	NUM
fsr-3656	272	12	.	.	NOUN
fsr-3656	272	13	6	6	NUM
fsr-3656	272	14	.	.	X
fsr-3656	272	15	notes	note	NOUN
fsr-3656	272	16	for	for	ADP
fsr-3656	272	17	examples	example	NOUN
fsr-3656	272	18	of	of	ADP
fsr-3656	272	19	models	model	NOUN
fsr-3656	272	20	capitalizing	capitalize	VERB
fsr-3656	272	21	survivor	survivor	NOUN
fsr-3656	272	22	needs	need	NOUN
fsr-3656	272	23	caused	cause	VERB
fsr-3656	272	24	by	by	ADP
fsr-3656	272	25	the	the	DET
fsr-3656	272	26	death	death	NOUN
fsr-3656	272	27	of	of	ADP
fsr-3656	272	28	an	an	DET
fsr-3656	272	29	earner	earner	NOUN
fsr-3656	272	30	,	,	PUNCT
fsr-3656	272	31	see	see	VERB
fsr-3656	272	32	belth	belth	NOUN
fsr-3656	272	33	(	(	PUNCT
fsr-3656	272	34	1964	1964	NUM
fsr-3656	272	35	)	)	PUNCT
fsr-3656	272	36	,	,	PUNCT
fsr-3656	272	37	rose	rise	VERB
fsr-3656	272	38	and	and	CCONJ
fsr-3656	272	39	mehr	mehr	NOUN
fsr-3656	272	40	(	(	PUNCT
fsr-3656	272	41	1980	1980	NUM
fsr-3656	272	42	)	)	PUNCT
fsr-3656	272	43	,	,	PUNCT
fsr-3656	272	44	and	and	CCONJ
fsr-3656	272	45	gustavson	gustavson	NOUN
fsr-3656	272	46	(	(	PUNCT
fsr-3656	272	47	1982	1982	NUM
fsr-3656	272	48	)	)	PUNCT
fsr-3656	272	49	.	.	PUNCT
fsr-3656	273	1	for	for	ADP
fsr-3656	273	2	example	example	NOUN
fsr-3656	273	3	,	,	PUNCT
fsr-3656	273	4	goldsmith	goldsmith	PROPN
fsr-3656	273	5	[	[	PUNCT
fsr-3656	273	6	19831	19831	NUM
fsr-3656	273	7	offers	offer	VERB
fsr-3656	273	8	preliminary	preliminary	ADJ
fsr-3656	273	9	empirical	empirical	ADJ
fsr-3656	273	10	evidence	evidence	NOUN
fsr-3656	273	11	that	that	SCONJ
fsr-3656	273	12	individuals	individual	NOUN
fsr-3656	273	13	may	may	AUX
fsr-3656	273	14	substitute	substitute	VERB
fsr-3656	273	15	a	a	DET
fsr-3656	273	16	spouse	spouse	NOUN
fsr-3656	273	17	’s	’s	PART
fsr-3656	273	18	human	human	ADJ
fsr-3656	273	19	capital	capital	NOUN
fsr-3656	273	20	for	for	ADP
fsr-3656	273	21	the	the	DET
fsr-3656	273	22	purchase	purchase	NOUN
fsr-3656	273	23	of	of	ADP
fsr-3656	273	24	life	life	NOUN
fsr-3656	273	25	insurance	insurance	NOUN
fsr-3656	273	26	.	.	PUNCT
fsr-3656	274	1	the	the	DET
fsr-3656	274	2	law	law	NOUN
fsr-3656	274	3	determining	determine	VERB
fsr-3656	274	4	primacy	primacy	NOUN
fsr-3656	274	5	between	between	ADP
fsr-3656	274	6	oasdi	oasdi	NOUN
fsr-3656	274	7	disability	disability	NOUN
fsr-3656	274	8	benefits	benefit	NOUN
fsr-3656	274	9	and	and	CCONJ
fsr-3656	274	10	state	state	NOUN
fsr-3656	274	11	-	-	PUNCT
fsr-3656	274	12	mandated	mandate	VERB
fsr-3656	274	13	workers	worker	NOUN
fsr-3656	274	14	compensation	compensation	NOUN
fsr-3656	274	15	plans	plan	NOUN
fsr-3656	274	16	is	be	AUX
fsr-3656	274	17	explained	explain	VERB
fsr-3656	274	18	in	in	ADP
fsr-3656	274	19	the	the	DET
fsr-3656	274	20	subsequent	subsequent	ADJ
fsr-3656	274	21	section	section	NOUN
fsr-3656	274	22	on	on	ADP
fsr-3656	274	23	long	long	ADJ
fsr-3656	274	24	-	-	PUNCT
fsr-3656	274	25	term	term	NOUN
fsr-3656	274	26	workers	worker	NOUN
fsr-3656	274	27	compensation	compensation	NOUN
fsr-3656	274	28	benefits	benefit	NOUN
fsr-3656	274	29	.	.	PUNCT
fsr-3656	275	1	official	official	ADJ
fsr-3656	275	2	social	social	ADJ
fsr-3656	275	3	security	security	NOUN
fsr-3656	275	4	administration	administration	NOUN
fsr-3656	275	5	[	[	PUNCT
fsr-3656	275	6	1990	1990	NUM
fsr-3656	275	7	,	,	PUNCT
fsr-3656	275	8	p.	p.	NOUN
fsr-3656	275	9	2601	2601	NUM
fsr-3656	275	10	acceptance	acceptance	NOUN
fsr-3656	275	11	rates	rate	NOUN
fsr-3656	275	12	are	be	AUX
fsr-3656	275	13	higher	high	ADJ
fsr-3656	275	14	than	than	ADP
fsr-3656	275	15	those	those	PRON
fsr-3656	275	16	estimated	estimate	VERB
fsr-3656	275	17	by	by	ADP
fsr-3656	275	18	lfb	lfb	PROPN
fsr-3656	275	19	,	,	PUNCT
fsr-3656	275	20	rising	rise	VERB
fsr-3656	275	21	from	from	ADP
fsr-3656	275	22	a	a	DET
fsr-3656	275	23	low	low	NOUN
fsr-3656	275	24	of	of	ADP
fsr-3656	275	25	26.5	26.5	NUM
fsr-3656	275	26	percent	percent	NOUN
fsr-3656	275	27	in	in	ADP
fsr-3656	275	28	1982	1982	NUM
fsr-3656	275	29	to	to	ADP
fsr-3656	275	30	the	the	DET
fsr-3656	275	31	33	33	NUM
fsr-3656	275	32	-	-	SYM
fsr-3656	275	33	34	34	NUM
fsr-3656	275	34	percent	percent	NOUN
fsr-3656	275	35	range	range	NOUN
fsr-3656	275	36	in	in	ADP
fsr-3656	275	37	the	the	DET
fsr-3656	275	38	mid-1980s	mid-1980	NOUN
fsr-3656	275	39	.	.	PUNCT
fsr-3656	276	1	acceptances	acceptance	NOUN
fsr-3656	276	2	spiked	spike	VERB
fsr-3656	276	3	upward	upward	ADV
fsr-3656	276	4	to	to	ADP
fsr-3656	276	5	44	44	NUM
fsr-3656	276	6	percent	percent	NOUN
fsr-3656	276	7	in	in	ADP
fsr-3656	276	8	1988	1988	NUM
fsr-3656	276	9	,	,	PUNCT
fsr-3656	276	10	a	a	DET
fsr-3656	276	11	year	year	NOUN
fsr-3656	276	12	in	in	ADP
fsr-3656	276	13	which	which	PRON
fsr-3656	276	14	appiications	appiication	NOUN
fsr-3656	276	15	fell	fall	VERB
fsr-3656	276	16	by	by	ADP
fsr-3656	276	17	23	23	NUM
fsr-3656	276	18	percent	percent	NOUN
fsr-3656	276	19	.	.	PUNCT
fsr-3656	277	1	in	in	ADP
fsr-3656	277	2	response	response	NOUN
fsr-3656	277	3	to	to	ADP
fsr-3656	277	4	recent	recent	ADJ
fsr-3656	277	5	budgetary	budgetary	ADJ
fsr-3656	277	6	problems	problem	NOUN
fsr-3656	277	7	,	,	PUNCT
fsr-3656	277	8	the	the	DET
fsr-3656	277	9	administration	administration	NOUN
fsr-3656	277	10	has	have	AUX
fsr-3656	277	11	used	use	VERB
fsr-3656	277	12	such	such	ADJ
fsr-3656	277	13	strategies	strategy	NOUN
fsr-3656	277	14	as	as	ADP
fsr-3656	277	15	simply	simply	ADV
fsr-3656	277	16	suspending	suspend	VERB
fsr-3656	277	17	all	all	DET
fsr-3656	277	18	ssdi	ssdi	ADJ
fsr-3656	277	19	hearings	hearing	NOUN
fsr-3656	277	20	[	[	X
fsr-3656	277	21	pear	pear	NOUN
fsr-3656	277	22	,	,	PUNCT
fsr-3656	277	23	19901	19901	NUM
fsr-3656	277	24	and	and	CCONJ
fsr-3656	277	25	relying	rely	VERB
fsr-3656	277	26	upon	upon	SCONJ
fsr-3656	277	27	a	a	DET
fsr-3656	277	28	single	single	ADJ
fsr-3656	277	29	,	,	PUNCT
fsr-3656	277	30	unreliable	unreliable	ADJ
fsr-3656	277	31	diagnostic	diagnostic	ADJ
fsr-3656	277	32	test	test	NOUN
fsr-3656	277	33	to	to	PART
fsr-3656	277	34	determine	determine	VERB
fsr-3656	277	35	whether	whether	SCONJ
fsr-3656	277	36	applicants	applicant	NOUN
fsr-3656	277	37	should	should	AUX
fsr-3656	277	38	receive	receive	VERB
fsr-3656	277	39	benefits	benefit	NOUN
fsr-3656	277	40	[	[	X
fsr-3656	277	41	lambert	lambert	PROPN
fsr-3656	277	42	,	,	PUNCT
fsr-3656	277	43	19901	19901	NUM
fsr-3656	277	44	.	.	PUNCT
fsr-3656	278	1	for	for	ADP
fsr-3656	278	2	a	a	DET
fsr-3656	278	3	by	by	ADP
fsr-3656	278	4	-	-	PUNCT
fsr-3656	278	5	state	state	NOUN
fsr-3656	278	6	synopsis	synopsis	NOUN
fsr-3656	278	7	of	of	ADP
fsr-3656	278	8	workers	worker	NOUN
fsr-3656	278	9	compensation	compensation	NOUN
fsr-3656	278	10	requirements	requirement	NOUN
fsr-3656	278	11	for	for	ADP
fsr-3656	278	12	benefits	benefit	NOUN
fsr-3656	278	13	paid	pay	VERB
fsr-3656	278	14	,	,	PUNCT
fsr-3656	278	15	see	see	VERB
fsr-3656	278	16	u.s	u.s	PROPN
fsr-3656	278	17	.	.	PROPN
fsr-3656	278	18	chamber	chamber	PROPN
fsr-3656	278	19	of	of	ADP
fsr-3656	278	20	commerce	commerce	PROPN
fsr-3656	278	21	[	[	PUNCT
fsr-3656	278	22	19891	19891	NUM
fsr-3656	278	23	.	.	PUNCT
fsr-3656	279	1	for	for	ADP
fsr-3656	279	2	a	a	DET
fsr-3656	279	3	discussion	discussion	NOUN
fsr-3656	279	4	of	of	ADP
fsr-3656	279	5	how	how	SCONJ
fsr-3656	279	6	typical	typical	ADJ
fsr-3656	279	7	offsets	offset	NOUN
fsr-3656	279	8	are	be	AUX
fsr-3656	279	9	structured	structure	VERB
fsr-3656	279	10	in	in	ADP
fsr-3656	279	11	group	group	PROPN
fsr-3656	279	12	ltd	ltd	PROPN
fsr-3656	279	13	plans	plan	NOUN
fsr-3656	279	14	,	,	PUNCT
fsr-3656	279	15	see	see	VERB
fsr-3656	279	16	hill	hill	NOUN
fsr-3656	279	17	[	[	PUNCT
fsr-3656	279	18	1987	1987	NUM
fsr-3656	279	19	,	,	PUNCT
fsr-3656	279	20	pp	pp	ADJ
fsr-3656	279	21	.	.	PUNCT
fsr-3656	280	1	18	18	NUM
fsr-3656	280	2	-	-	SYM
fsr-3656	280	3	191	191	NUM
fsr-3656	280	4	.	.	PUNCT
fsr-3656	281	1	references	reference	NOUN
fsr-3656	281	2	ambrose	ambrose	PROPN
fsr-3656	281	3	,	,	PUNCT
fsr-3656	281	4	jan	jan	PROPN
fsr-3656	281	5	m.	m.	NOUN
fsr-3656	281	6	,	,	PUNCT
fsr-3656	281	7	and	and	CCONJ
fsr-3656	281	8	j.	j.	PROPN
fsr-3656	281	9	allen	allen	PROPN
fsr-3656	281	10	seward	seward	PROPN
fsr-3656	281	11	.	.	PUNCT
fsr-3656	282	1	1988	1988	NUM
fsr-3656	282	2	.	.	PUNCT
fsr-3656	283	1	“	"	PUNCT
fsr-3656	283	2	best	good	ADJ
fsr-3656	283	3	’s	’s	NOUN
fsr-3656	283	4	rating	rating	NOUN
fsr-3656	283	5	,	,	PUNCT
fsr-3656	283	6	financial	financial	ADJ
fsr-3656	283	7	ratios	ratio	NOUN
fsr-3656	283	8	and	and	CCONJ
fsr-3656	283	9	prior	prior	ADJ
fsr-3656	283	10	probabilities	probability	NOUN
fsr-3656	283	11	in	in	ADP
fsr-3656	283	12	insolvency	insolvency	NOUN
fsr-3656	283	13	prediction	prediction	NOUN
fsr-3656	283	14	,	,	PUNCT
fsr-3656	283	15	”	"	PUNCT
fsr-3656	283	16	journal	journal	NOUN
fsr-3656	283	17	of	of	ADP
fsr-3656	283	18	risk	risk	NOUN
fsr-3656	283	19	and	and	CCONJ
fsr-3656	283	20	insurance	insurance	NOUN
fsr-3656	283	21	,	,	PUNCT
fsr-3656	283	22	s(2	s(2	NOUN
fsr-3656	283	23	):	):	PUNCT
fsr-3656	283	24	229	229	NUM
fsr-3656	283	25	-	-	SYM
fsr-3656	283	26	244	244	NUM
fsr-3656	283	27	.	.	PUNCT
fsr-3656	283	28	barniv	barniv	PROPN
fsr-3656	283	29	,	,	PUNCT
fsr-3656	283	30	ran	run	VERB
fsr-3656	283	31	,	,	PUNCT
fsr-3656	283	32	and	and	CCONJ
fsr-3656	283	33	robert	robert	PROPN
fsr-3656	283	34	a.	a.	PROPN
fsr-3656	283	35	hershbarger	hershbarger	PROPN
fsr-3656	283	36	.	.	PUNCT
fsr-3656	284	1	1990	1990	NUM
fsr-3656	284	2	.	.	PUNCT
fsr-3656	285	1	“	"	PUNCT
fsr-3656	285	2	classifying	classify	VERB
fsr-3656	285	3	financial	financial	ADJ
fsr-3656	285	4	distress	distress	NOUN
fsr-3656	285	5	in	in	ADP
fsr-3656	285	6	the	the	DET
fsr-3656	285	7	life	life	NOUN
fsr-3656	285	8	insurance	insurance	NOUN
fsr-3656	285	9	industry	industry	NOUN
fsr-3656	285	10	,	,	PUNCT
fsr-3656	285	11	”	"	PUNCT
fsr-3656	285	12	journal	journal	NOUN
fsr-3656	285	13	of	of	ADP
fsr-3656	285	14	risk	risk	NOUN
fsr-3656	285	15	and	and	CCONJ
fsr-3656	285	16	insurance	insurance	NOUN
fsr-3656	285	17	,	,	PUNCT
fsr-3656	285	18	57	57	NUM
fsr-3656	285	19	(	(	PUNCT
fsr-3656	285	20	1	1	NUM
fsr-3656	285	21	):	):	PUNCT
fsr-3656	285	22	110	110	NUM
fsr-3656	285	23	-	-	SYM
fsr-3656	285	24	136	136	NUM
fsr-3656	285	25	.	.	PUNCT
fsr-3656	286	1	belth	belth	PROPN
fsr-3656	286	2	,	,	PUNCT
fsr-3656	286	3	joseph	joseph	PROPN
fsr-3656	286	4	m.	m.	PROPN
fsr-3656	286	5	1964	1964	NUM
fsr-3656	286	6	.	.	PUNCT
fsr-3656	287	1	“	"	PUNCT
fsr-3656	287	2	dynamic	dynamic	ADJ
fsr-3656	287	3	life	life	NOUN
fsr-3656	287	4	insurance	insurance	NOUN
fsr-3656	287	5	programming	programming	NOUN
fsr-3656	287	6	,	,	PUNCT
fsr-3656	287	7	”	"	PUNCT
fsr-3656	287	8	journal	journal	NOUN
fsr-3656	287	9	of	of	ADP
fsr-3656	287	10	risk	risk	NOUN
fsr-3656	287	11	and	and	CCONJ
fsr-3656	287	12	insurance	insurance	NOUN
fsr-3656	287	13	,	,	PUNCT
fsr-3656	287	14	31(4	31(4	NUM
fsr-3656	287	15	):	):	PUNCT
fsr-3656	287	16	539	539	NUM
fsr-3656	287	17	-	-	SYM
fsr-3656	287	18	556	556	NUM
fsr-3656	287	19	.	.	PUNCT
fsr-3656	287	20	belth	belth	PROPN
fsr-3656	287	21	,	,	PUNCT
fsr-3656	287	22	joseph	joseph	PROPN
fsr-3656	287	23	m.	m.	PROPN
fsr-3656	287	24	1990	1990	NUM
fsr-3656	287	25	.	.	PUNCT
fsr-3656	288	1	“	"	PUNCT
fsr-3656	288	2	a	a	DET
fsr-3656	288	3	watch	watch	NOUN
fsr-3656	288	4	list	list	NOUN
fsr-3656	288	5	of	of	ADP
fsr-3656	288	6	insurance	insurance	NOUN
fsr-3656	288	7	companies	company	NOUN
fsr-3656	288	8	based	base	VERB
fsr-3656	288	9	on	on	ADP
fsr-3656	288	10	the	the	DET
fsr-3656	288	11	naic	naic	PROPN
fsr-3656	288	12	’s	’s	PART
fsr-3656	288	13	1990	1990	NUM
fsr-3656	288	14	iris	iris	NOUN
fsr-3656	288	15	ratios	ratio	NOUN
fsr-3656	288	16	,	,	PUNCT
fsr-3656	288	17	”	"	PUNCT
fsr-3656	288	18	the	the	DET
fsr-3656	288	19	insurance	insurance	NOUN
fsr-3656	288	20	forum	forum	NOUN
fsr-3656	288	21	,	,	PUNCT
fsr-3656	288	22	17(9	17(9	NOUN
fsr-3656	288	23	):	):	PUNCT
fsr-3656	288	24	143	143	NUM
fsr-3656	288	25	-	-	SYM
fsr-3656	288	26	151	151	NUM
fsr-3656	288	27	.	.	PUNCT
fsr-3656	289	1	belth	belth	PROPN
fsr-3656	289	2	,	,	PUNCT
fsr-3656	289	3	joseph	joseph	PROPN
fsr-3656	289	4	m.	m.	PROPN
fsr-3656	289	5	1990	1990	NUM
fsr-3656	289	6	.	.	PUNCT
fsr-3656	290	1	“	"	PUNCT
fsr-3656	290	2	the	the	DET
fsr-3656	290	3	dilemma	dilemma	NOUN
fsr-3656	290	4	of	of	ADP
fsr-3656	290	5	the	the	DET
fsr-3656	290	6	a.m.	a.m.	PROPN
fsr-3656	290	7	best	good	ADJ
fsr-3656	290	8	company	company	NOUN
fsr-3656	290	9	,	,	PUNCT
fsr-3656	290	10	”	"	PUNCT
fsr-3656	290	11	71re	71re	ADJ
fsr-3656	290	12	rnsurance	rnsurance	NOUN
fsr-3656	290	13	forum	forum	NOUN
fsr-3656	290	14	,	,	PUNCT
fsr-3656	290	15	17	17	NUM
fsr-3656	290	16	(	(	PUNCT
fsr-3656	290	17	12	12	NUM
fsr-3656	290	18	):	):	PUNCT
fsr-3656	290	19	177	177	NUM
fsr-3656	290	20	-	-	SYM
fsr-3656	290	21	182	182	NUM
fsr-3656	290	22	.	.	PUNCT
fsr-3656	290	23	blease	blease	PROPN
fsr-3656	290	24	,	,	PUNCT
fsr-3656	290	25	roger	roger	PROPN
fsr-3656	290	26	l.	l.	PROPN
fsr-3656	290	27	,	,	PUNCT
fsr-3656	290	28	and	and	CCONJ
fsr-3656	290	29	gary	gary	PROPN
fsr-3656	290	30	s.	s.	PROPN
fsr-3656	290	31	pallay	pallay	PROPN
fsr-3656	290	32	.	.	PUNCT
fsr-3656	291	1	1990	1990	NUM
fsr-3656	291	2	.	.	PUNCT
fsr-3656	292	1	“	"	PUNCT
fsr-3656	292	2	noncance	noncance	ADJ
fsr-3656	292	3	~	~	SYM
fsr-3656	292	4	able	able	ADJ
fsr-3656	292	5	disability	disability	NOUN
fsr-3656	292	6	income	income	NOUN
fsr-3656	292	7	survey	survey	NOUN
fsr-3656	292	8	,	,	PUNCT
fsr-3656	292	9	”	"	PUNCT
fsr-3656	292	10	best*s	best*s	PUNCT
fsr-3656	292	11	review	review	VERB
fsr-3656	292	12	[	[	X
fsr-3656	292	13	life	life	NOUN
fsr-3656	292	14	/	/	SYM
fsr-3656	292	15	health	health	NOUN
fsr-3656	292	16	edition	edition	NOUN
fsr-3656	292	17	]	]	PUNCT
fsr-3656	292	18	,	,	PUNCT
fsr-3656	292	19	90	90	NUM
fsr-3656	292	20	(	(	PUNCT
fsr-3656	292	21	10	10	NUM
fsr-3656	292	22	):	):	PUNCT
fsr-3656	292	23	101	101	NUM
fsr-3656	292	24	-	-	SYM
fsr-3656	292	25	105	105	NUM
fsr-3656	292	26	.	.	PUNCT
fsr-3656	292	27	blostin	blostin	PROPN
fsr-3656	292	28	,	,	PUNCT
fsr-3656	293	1	allan	allan	PROPN
fsr-3656	293	2	p.	p.	PROPN
fsr-3656	293	3	,	,	PUNCT
fsr-3656	293	4	thomas	thomas	PROPN
fsr-3656	293	5	p.	p.	PROPN
fsr-3656	293	6	burke	burke	PROPN
fsr-3656	293	7	,	,	PUNCT
fsr-3656	293	8	and	and	CCONJ
fsr-3656	293	9	lora	lora	PROPN
fsr-3656	293	10	m.	m.	PROPN
fsr-3656	293	11	lovejoy	lovejoy	PROPN
fsr-3656	293	12	.	.	PUNCT
fsr-3656	294	1	1988	1988	NUM
fsr-3656	294	2	.	.	PUNCT
fsr-3656	295	1	“	"	PUNCT
fsr-3656	295	2	disability	disability	NOUN
fsr-3656	295	3	and	and	CCONJ
fsr-3656	295	4	insurance	insurance	NOUN
fsr-3656	295	5	plans	plan	NOUN
fsr-3656	295	6	in	in	ADP
fsr-3656	295	7	the	the	DET
fsr-3656	295	8	public	public	ADJ
fsr-3656	295	9	and	and	CCONJ
fsr-3656	295	10	private	private	ADJ
fsr-3656	295	11	sectors	sector	NOUN
fsr-3656	295	12	,	,	PUNCT
fsr-3656	295	13	”	"	PUNCT
fsr-3656	295	14	monthiy	monthiy	ADJ
fsr-3656	295	15	labor	labor	NOUN
fsr-3656	295	16	review	review	NOUN
fsr-3656	295	17	,	,	PUNCT
fsr-3656	295	18	11	11	NUM
fsr-3656	295	19	1	1	NUM
fsr-3656	295	20	(	(	PUNCT
fsr-3656	295	21	12	12	NUM
fsr-3656	295	22	):	):	PUNCT
fsr-3656	295	23	9	9	NUM
fsr-3656	295	24	-	-	SYM
fsr-3656	295	25	17	17	NUM
fsr-3656	295	26	.	.	PUNCT
fsr-3656	296	1	bound	bind	VERB
fsr-3656	296	2	,	,	PUNCT
fsr-3656	296	3	john	john	PROPN
fsr-3656	296	4	.	.	PROPN
fsr-3656	296	5	1989	1989	NUM
fsr-3656	296	6	.	.	PUNCT
fsr-3656	297	1	“	"	PUNCT
fsr-3656	297	2	the	the	DET
fsr-3656	297	3	health	health	NOUN
fsr-3656	297	4	and	and	CCONJ
fsr-3656	297	5	earnings	earning	NOUN
fsr-3656	297	6	of	of	ADP
fsr-3656	297	7	rejected	reject	VERB
fsr-3656	297	8	disability	disability	NOUN
fsr-3656	297	9	insurance	insurance	NOUN
fsr-3656	297	10	applicants	applicant	NOUN
fsr-3656	297	11	,	,	PUNCT
fsr-3656	297	12	”	"	PUNCT
fsr-3656	297	13	american	american	PROPN
fsr-3656	297	14	economic	economic	PROPN
fsr-3656	297	15	review	review	PROPN
fsr-3656	297	16	,	,	PUNCT
fsr-3656	297	17	79(3	79(3	NUM
fsr-3656	297	18	):	):	PUNCT
fsr-3656	297	19	482	482	NUM
fsr-3656	297	20	-	-	SYM
fsr-3656	297	21	503	503	NUM
fsr-3656	297	22	.	.	PUNCT
fsr-3656	298	1	bureau	bureau	PROPN
fsr-3656	298	2	of	of	ADP
fsr-3656	298	3	labor	labor	PROPN
fsr-3656	298	4	statistics	statistic	NOUN
fsr-3656	298	5	.	.	PUNCT
fsr-3656	299	1	1989	1989	NUM
fsr-3656	299	2	.	.	PUNCT
fsr-3656	300	1	employee	employee	NOUN
fsr-3656	300	2	benefits	benefit	NOUN
fsr-3656	300	3	in	in	ADP
fsr-3656	300	4	medium	medium	ADJ
fsr-3656	300	5	and	and	CCONJ
fsr-3656	300	6	large	large	ADJ
fsr-3656	300	7	firms	firm	NOUN
fsr-3656	300	8	,	,	PUNCT
fsr-3656	300	9	1988	1988	NUM
fsr-3656	300	10	,	,	PUNCT
fsr-3656	300	11	bulletin	bulletin	NOUN
fsr-3656	300	12	2336	2336	NUM
fsr-3656	300	13	.	.	PUNCT
fsr-3656	301	1	washington	washington	PROPN
fsr-3656	301	2	,	,	PUNCT
fsr-3656	301	3	dc	dc	PROPN
fsr-3656	301	4	:	:	PUNCT
fsr-3656	301	5	u.s	u.s	PROPN
fsr-3656	301	6	.	.	PROPN
fsr-3656	301	7	government	government	NOUN
fsr-3656	301	8	printing	printing	NOUN
fsr-3656	301	9	office	office	NOUN
fsr-3656	301	10	.	.	PUNCT
fsr-3656	302	1	cox	cox	PROPN
fsr-3656	302	2	,	,	PUNCT
fsr-3656	302	3	larry	larry	PROPN
fsr-3656	302	4	a.	a.	PROPN
fsr-3656	302	5	,	,	PUNCT
fsr-3656	302	6	and	and	CCONJ
fsr-3656	302	7	sandra	sandra	PROPN
fsr-3656	302	8	g.	g.	PROPN
fsr-3656	302	9	gustavson	gustavson	PROPN
fsr-3656	302	10	.	.	PUNCT
fsr-3656	303	1	1990	1990	NUM
fsr-3656	303	2	.	.	PUNCT
fsr-3656	304	1	“	"	PUNCT
fsr-3656	304	2	impact	impact	NOUN
fsr-3656	304	3	of	of	ADP
fsr-3656	304	4	disability	disability	NOUN
fsr-3656	304	5	insurance	insurance	NOUN
fsr-3656	304	6	options	option	NOUN
fsr-3656	304	7	for	for	ADP
fsr-3656	304	8	individuals	individual	NOUN
fsr-3656	304	9	,	,	PUNCT
fsr-3656	304	10	”	"	PUNCT
fsr-3656	304	11	paper	paper	NOUN
fsr-3656	304	12	presented	present	VERB
fsr-3656	304	13	at	at	ADP
fsr-3656	304	14	the	the	DET
fsr-3656	304	15	annual	annual	ADJ
fsr-3656	304	16	meeting	meeting	NOUN
fsr-3656	304	17	of	of	ADP
fsr-3656	304	18	the	the	DET
fsr-3656	304	19	academy	academy	NOUN
fsr-3656	304	20	of	of	ADP
fsr-3656	304	21	financial	financial	ADJ
fsr-3656	304	22	services	service	NOUN
fsr-3656	304	23	,	,	PUNCT
fsr-3656	304	24	october	october	PROPN
fsr-3656	304	25	24	24	NUM
fsr-3656	304	26	,	,	PUNCT
fsr-3656	304	27	1990	1990	NUM
fsr-3656	304	28	.	.	PUNCT
fsr-3656	305	1	cox	cox	PROPN
fsr-3656	305	2	,	,	PUNCT
fsr-3656	305	3	larry	larry	PROPN
fsr-3656	305	4	a.	a.	PROPN
fsr-3656	305	5	,	,	PUNCT
fsr-3656	305	6	sandra	sandra	PROPN
fsr-3656	305	7	g.	g.	PROPN
fsr-3656	305	8	gustavson	gustavson	PROPN
fsr-3656	305	9	,	,	PUNCT
fsr-3656	305	10	and	and	CCONJ
fsr-3656	305	11	antonie	antonie	PROPN
fsr-3656	305	12	stam	stam	PROPN
fsr-3656	305	13	.	.	PUNCT
fsr-3656	305	14	1991	1991	NUM
fsr-3656	305	15	.	.	PUNCT
fsr-3656	306	1	“	"	PUNCT
fsr-3656	306	2	disability	disability	NOUN
fsr-3656	306	3	and	and	CCONJ
fsr-3656	306	4	life	life	NOUN
fsr-3656	306	5	insurance	insurance	NOUN
fsr-3656	306	6	in	in	ADP
fsr-3656	306	7	the	the	DET
fsr-3656	306	8	indi	indi	PROPN
fsr-3656	306	9	~	~	SYM
fsr-3656	306	10	dual	dual	ADJ
fsr-3656	306	11	insurance	insurance	NOUN
fsr-3656	306	12	portfolio	portfolio	NOUN
fsr-3656	306	13	,	,	PUNCT
fsr-3656	306	14	”	"	PUNCT
fsr-3656	306	15	journai	journai	NOUN
fsr-3656	306	16	of	of	ADP
fsr-3656	306	17	risk	risk	NOUN
fsr-3656	306	18	and	and	CCONJ
fsr-3656	306	19	insurance	insurance	NOUN
fsr-3656	306	20	,	,	PUNCT
fsr-3656	306	21	5x	5x	NUM
fsr-3656	306	22	(	(	PUNCT
fsr-3656	306	23	1	1	NUM
fsr-3656	306	24	):	):	PUNCT
fsr-3656	306	25	128	128	NUM
fsr-3656	306	26	-	-	PUNCT
fsr-3656	306	27	l	l	NOUN
fsr-3656	306	28	37	37	NUM
fsr-3656	306	29	.	.	PUNCT
fsr-3656	307	1	devol	devol	PROPN
fsr-3656	307	2	,	,	PUNCT
fsr-3656	307	3	karen	karen	PROPN
fsr-3656	307	4	r.	r.	PROPN
fsr-3656	307	5	1986	1986	NUM
fsr-3656	307	6	.	.	PUNCT
fsr-3656	308	1	income	income	NOUN
fsr-3656	308	2	replacement	replacement	NOUN
fsr-3656	308	3	for	for	ADP
fsr-3656	308	4	long	long	ADJ
fsr-3656	308	5	-	-	PUNCT
fsr-3656	308	6	term	term	NOUN
fsr-3656	308	7	disability	disability	NOUN
fsr-3656	308	8	:	:	PUNCT
fsr-3656	308	9	the	the	DET
fsr-3656	308	10	role	role	NOUN
fsr-3656	308	11	of	of	ADP
fsr-3656	308	12	workers	worker	NOUN
fsr-3656	308	13	’	’	PART
fsr-3656	308	14	compensation	compensation	NOUN
fsr-3656	308	15	and	and	CCONJ
fsr-3656	308	16	ssdi	ssdi	NOUN
fsr-3656	308	17	.	.	PUNCT
fsr-3656	309	1	washington	washington	PROPN
fsr-3656	309	2	,	,	PUNCT
fsr-3656	309	3	dc	dc	PROPN
fsr-3656	309	4	:	:	PUNCT
fsr-3656	309	5	workers	worker	NOUN
fsr-3656	309	6	compensation	compensation	PROPN
fsr-3656	309	7	research	research	PROPN
fsr-3656	309	8	institute	institute	PROPN
fsr-3656	309	9	.	.	PUNCT
fsr-3656	310	1	d&ability	d&ability	NOUN
fsr-3656	310	2	income	income	NOUN
fsr-3656	310	3	insurance	insurance	NOUN
fsr-3656	310	4	and	and	CCONJ
fsr-3656	310	5	the	the	DET
fsr-3656	310	6	individual	individual	ADJ
fsr-3656	310	7	77	77	NUM
fsr-3656	310	8	doligalski	doligalski	NOUN
fsr-3656	310	9	,	,	PUNCT
fsr-3656	310	10	david	david	PROPN
fsr-3656	310	11	w.	w.	PROPN
fsr-3656	310	12	(	(	PUNCT
fsr-3656	310	13	ed	ed	NOUN
fsr-3656	310	14	.	.	PUNCT
fsr-3656	310	15	)	)	PUNCT
fsr-3656	310	16	1990	1990	NUM
fsr-3656	310	17	.	.	PUNCT
fsr-3656	311	1	national	national	ADJ
fsr-3656	311	2	underwriter	underwriter	NOUN
fsr-3656	311	3	profiles	profile	NOUN
fsr-3656	311	4	:	:	PUNCT
fsr-3656	311	5	1990	1990	NUM
fsr-3656	311	6	health	health	NOUN
fsr-3656	311	7	insurers	insurer	NOUN
fsr-3656	311	8	.	.	PUNCT
fsr-3656	312	1	cincinnati	cincinnati	PROPN
fsr-3656	312	2	,	,	PUNCT
fsr-3656	312	3	oh	oh	INTJ
fsr-3656	312	4	:	:	PUNCT
fsr-3656	312	5	the	the	DET
fsr-3656	312	6	national	national	ADJ
fsr-3656	312	7	underwriter	underwriter	NOUN
fsr-3656	312	8	company	company	NOUN
fsr-3656	312	9	.	.	PUNCT
fsr-3656	313	1	dykacz	dykacz	PROPN
fsr-3656	313	2	,	,	PUNCT
fsr-3656	313	3	janice	janice	PROPN
fsr-3656	313	4	m.	m.	NOUN
fsr-3656	313	5	,	,	PUNCT
fsr-3656	313	6	and	and	CCONJ
fsr-3656	313	7	john	john	PROPN
fsr-3656	313	8	c.	c.	PROPN
fsr-3656	313	9	hennessey	hennessey	PROPN
fsr-3656	313	10	.	.	PUNCT
fsr-3656	314	1	1989	1989	NUM
fsr-3656	314	2	.	.	PUNCT
fsr-3656	315	1	“	"	PUNCT
fsr-3656	315	2	postrecovery	postrecovery	PRON
fsr-3656	315	3	experience	experience	NOUN
fsr-3656	315	4	of	of	ADP
fsr-3656	315	5	disabled	disabled	ADJ
fsr-3656	315	6	worker	worker	NOUN
fsr-3656	315	7	beneficiaries	beneficiary	NOUN
fsr-3656	315	8	,	,	PUNCT
fsr-3656	315	9	”	"	PUNCT
fsr-3656	315	10	social	social	ADJ
fsr-3656	315	11	security	security	NOUN
fsr-3656	315	12	bulletin	bulletin	NOUN
fsr-3656	315	13	,	,	PUNCT
fsr-3656	315	14	52(9	52(9	NUM
fsr-3656	315	15	):	):	PUNCT
fsr-3656	315	16	42	42	NUM
fsr-3656	315	17	-	-	SYM
fsr-3656	315	18	66	66	NUM
fsr-3656	315	19	.	.	PUNCT
fsr-3656	316	1	edmonston	edmonston	PROPN
fsr-3656	316	2	,	,	PUNCT
fsr-3656	316	3	b.	b.	PROPN
fsr-3656	316	4	,	,	PUNCT
fsr-3656	316	5	and	and	CCONJ
fsr-3656	316	6	p.s	p.s	PROPN
fsr-3656	316	7	.	.	PROPN
fsr-3656	316	8	scott	scott	PROPN
fsr-3656	316	9	.	.	PUNCT
fsr-3656	317	1	1987	1987	NUM
fsr-3656	317	2	.	.	PUNCT
fsr-3656	318	1	7’he	7’he	NUM
fsr-3656	318	2	1986	1986	NUM
fsr-3656	318	3	disability	disability	NOUN
fsr-3656	318	4	income	income	NOUN
fsr-3656	318	5	buyer	buyer	NOUN
fsr-3656	318	6	.	.	PUNCT
fsr-3656	319	1	hartford	hartford	PROPN
fsr-3656	319	2	,	,	PUNCT
fsr-3656	319	3	ct	ct	PRON
fsr-3656	319	4	:	:	PUNCT
fsr-3656	319	5	life	life	NOUN
fsr-3656	319	6	insurance	insurance	NOUN
fsr-3656	319	7	marketing	marketing	NOUN
fsr-3656	319	8	and	and	CCONJ
fsr-3656	319	9	research	research	NOUN
fsr-3656	319	10	association	association	PROPN
fsr-3656	319	11	.	.	PUNCT
fsr-3656	320	1	goldsmith	goldsmith	PROPN
fsr-3656	320	2	,	,	PUNCT
fsr-3656	320	3	art	art	NOUN
fsr-3656	320	4	.	.	PUNCT
fsr-3656	321	1	1983	1983	NUM
fsr-3656	321	2	.	.	PUNCT
fsr-3656	322	1	“	"	PUNCT
fsr-3656	322	2	household	household	NOUN
fsr-3656	322	3	life	life	NOUN
fsr-3656	322	4	cycle	cycle	NOUN
fsr-3656	322	5	protection	protection	NOUN
fsr-3656	322	6	:	:	PUNCT
fsr-3656	322	7	human	human	ADJ
fsr-3656	322	8	capital	capital	NOUN
fsr-3656	322	9	vs.	vs.	ADP
fsr-3656	322	10	life	life	NOUN
fsr-3656	322	11	insurance	insurance	NOUN
fsr-3656	322	12	,	,	PUNCT
fsr-3656	322	13	”	"	PUNCT
fsr-3656	322	14	journal	journal	NOUN
fsr-3656	322	15	of	of	ADP
fsr-3656	322	16	risk	risk	NOUN
fsr-3656	322	17	and	and	CCONJ
fsr-3656	322	18	insurance	insurance	NOUN
fsr-3656	322	19	,	,	PUNCT
fsr-3656	322	20	50(3	50(3	NUM
fsr-3656	322	21	):	):	PUNCT
fsr-3656	322	22	473486	473486	NUM
fsr-3656	322	23	.	.	PUNCT
fsr-3656	323	1	grad	grad	PROPN
fsr-3656	323	2	,	,	PUNCT
fsr-3656	323	3	susan	susan	PROPN
fsr-3656	323	4	.	.	PROPN
fsr-3656	323	5	1989	1989	NUM
fsr-3656	323	6	.	.	PUNCT
fsr-3656	324	1	“	"	PUNCT
fsr-3656	324	2	income	income	NOUN
fsr-3656	324	3	and	and	CCONJ
fsr-3656	324	4	assets	asset	NOUN
fsr-3656	324	5	of	of	ADP
fsr-3656	324	6	social	social	ADJ
fsr-3656	324	7	security	security	NOUN
fsr-3656	324	8	beneficiaries	beneficiary	NOUN
fsr-3656	324	9	by	by	ADP
fsr-3656	324	10	type	type	NOUN
fsr-3656	324	11	of	of	ADP
fsr-3656	324	12	benefit	benefit	NOUN
fsr-3656	324	13	,	,	PUNCT
fsr-3656	324	14	”	"	PUNCT
fsr-3656	324	15	social	social	ADJ
fsr-3656	324	16	security	security	NOUN
fsr-3656	324	17	bulletin	bulletin	NOUN
fsr-3656	324	18	,	,	PUNCT
fsr-3656	324	19	52(l	52(l	NUM
fsr-3656	324	20	):	):	PUNCT
fsr-3656	324	21	2	2	NUM
fsr-3656	324	22	-	-	SYM
fsr-3656	324	23	10	10	NUM
fsr-3656	324	24	.	.	PUNCT
fsr-3656	325	1	greenblum	greenblum	PROPN
fsr-3656	325	2	,	,	PUNCT
fsr-3656	325	3	joseph	joseph	PROPN
fsr-3656	325	4	,	,	PUNCT
fsr-3656	325	5	and	and	CCONJ
fsr-3656	325	6	barry	barry	VERB
fsr-3656	325	7	bye	bye	INTJ
fsr-3656	325	8	.	.	PROPN
fsr-3656	325	9	1987	1987	NUM
fsr-3656	325	10	.	.	PUNCT
fsr-3656	326	1	“	"	PUNCT
fsr-3656	326	2	work	work	NOUN
fsr-3656	326	3	values	value	NOUN
fsr-3656	326	4	of	of	ADP
fsr-3656	326	5	disabled	disabled	ADJ
fsr-3656	326	6	beneficiaries	beneficiary	NOUN
fsr-3656	326	7	,	,	PUNCT
fsr-3656	326	8	”	"	PUNCT
fsr-3656	326	9	social	social	ADJ
fsr-3656	326	10	security	security	NOUN
fsr-3656	326	11	bulletin	bulletin	NOUN
fsr-3656	326	12	,	,	PUNCT
fsr-3656	326	13	50(4	50(4	NUM
fsr-3656	326	14	):	):	PUNCT
fsr-3656	326	15	67	67	NUM
fsr-3656	326	16	-	-	SYM
fsr-3656	326	17	74	74	NUM
fsr-3656	326	18	.	.	PUNCT
fsr-3656	327	1	gustavson	gustavson	NOUN
fsr-3656	327	2	,	,	PUNCT
fsr-3656	327	3	sandra	sandra	PROPN
fsr-3656	327	4	g.	g.	PROPN
fsr-3656	327	5	1982	1982	NUM
fsr-3656	327	6	.	.	PUNCT
fsr-3656	328	1	“	"	PUNCT
fsr-3656	328	2	flexible	flexible	ADJ
fsr-3656	328	3	income	income	NOUN
fsr-3656	328	4	programming	programming	NOUN
fsr-3656	328	5	:	:	PUNCT
fsr-3656	328	6	comment	comment	NOUN
fsr-3656	328	7	,	,	PUNCT
fsr-3656	328	8	”	"	PUNCT
fsr-3656	328	9	journal	journal	NOUN
fsr-3656	328	10	of	of	ADP
fsr-3656	328	11	risk	risk	NOUN
fsr-3656	328	12	and	and	CCONJ
fsr-3656	328	13	insurance	insurance	NOUN
fsr-3656	328	14	,	,	PUNCT
fsr-3656	328	15	49(2	49(2	NUM
fsr-3656	328	16	):	):	PUNCT
fsr-3656	328	17	290	290	NUM
fsr-3656	328	18	-	-	SYM
fsr-3656	328	19	296	296	NUM
fsr-3656	328	20	.	.	PUNCT
fsr-3656	329	1	halpern	halpern	PROPN
fsr-3656	329	2	,	,	PUNCT
fsr-3656	329	3	janice	janice	PROPN
fsr-3656	329	4	,	,	PUNCT
fsr-3656	329	5	and	and	CCONJ
fsr-3656	329	6	jerry	jerry	PROPN
fsr-3656	329	7	a.	a.	PROPN
fsr-3656	329	8	hausman	hausman	PROPN
fsr-3656	329	9	.	.	PUNCT
fsr-3656	330	1	1986	1986	NUM
fsr-3656	330	2	.	.	PUNCT
fsr-3656	331	1	“	"	PUNCT
fsr-3656	331	2	choice	choice	NOUN
fsr-3656	331	3	under	under	ADP
fsr-3656	331	4	uncertainty	uncertainty	NOUN
fsr-3656	331	5	:	:	PUNCT
fsr-3656	331	6	model	model	NOUN
fsr-3656	331	7	of	of	ADP
fsr-3656	331	8	applications	application	NOUN
fsr-3656	331	9	for	for	ADP
fsr-3656	331	10	the	the	DET
fsr-3656	331	11	social	social	ADJ
fsr-3656	331	12	security	security	NOUN
fsr-3656	331	13	disability	disability	NOUN
fsr-3656	331	14	insurance	insurance	NOUN
fsr-3656	331	15	program	program	NOUN
fsr-3656	331	16	,	,	PUNCT
fsr-3656	331	17	”	"	PUNCT
fsr-3656	331	18	journal	journal	NOUN
fsr-3656	331	19	of	of	ADP
fsr-3656	331	20	public	public	ADJ
fsr-3656	331	21	economics	economic	NOUN
fsr-3656	331	22	,	,	PUNCT
fsr-3656	331	23	31	31	NUM
fsr-3656	331	24	:	:	SYM
fsr-3656	331	25	131	131	NUM
fsr-3656	331	26	-	-	SYM
fsr-3656	331	27	161	161	NUM
fsr-3656	331	28	.	.	PUNCT
fsr-3656	332	1	hansen	hansen	PROPN
fsr-3656	332	2	,	,	PUNCT
fsr-3656	332	3	ronald	ronald	PROPN
fsr-3656	332	4	w.	w.	PROPN
fsr-3656	332	5	,	,	PUNCT
fsr-3656	332	6	paul	paul	PROPN
fsr-3656	332	7	w.	w.	PROPN
fsr-3656	332	8	macavoy	macavoy	PROPN
fsr-3656	332	9	,	,	PUNCT
fsr-3656	332	10	and	and	CCONJ
fsr-3656	332	11	clifford	clifford	PROPN
fsr-3656	332	12	w.	w.	PROPN
fsr-3656	332	13	smith	smith	PROPN
fsr-3656	332	14	,	,	PUNCT
fsr-3656	332	15	jr	jr	PROPN
fsr-3656	332	16	.	.	PROPN
fsr-3656	332	17	1989	1989	NUM
fsr-3656	332	18	.	.	PUNCT
fsr-3656	333	1	“	"	PUNCT
fsr-3656	333	2	compensation	compensation	NOUN
fsr-3656	333	3	alternatives	alternative	NOUN
fsr-3656	333	4	for	for	ADP
fsr-3656	333	5	occupational	occupational	ADJ
fsr-3656	333	6	disease	disease	NOUN
fsr-3656	333	7	and	and	CCONJ
fsr-3656	333	8	disability	disability	NOUN
fsr-3656	333	9	,	,	PUNCT
fsr-3656	333	10	”	"	PUNCT
fsr-3656	333	11	77re	77re	ADJ
fsr-3656	333	12	journal	journal	NOUN
fsr-3656	333	13	of	of	ADP
fsr-3656	333	14	risk	risk	NOUN
fsr-3656	333	15	and	and	CCONJ
fsr-3656	333	16	insurance	insurance	NOUN
fsr-3656	333	17	,	,	PUNCT
fsr-3656	333	18	55(2	55(2	NUM
fsr-3656	333	19	):	):	PUNCT
fsr-3656	333	20	252	252	NUM
fsr-3656	333	21	-	-	SYM
fsr-3656	333	22	274	274	NUM
fsr-3656	333	23	.	.	PUNCT
fsr-3656	334	1	hay/	hay/	PROPN
fsr-3656	334	2	huggins	huggins	PROPN
fsr-3656	334	3	reference	reference	NOUN
fsr-3656	334	4	guide	guide	NOUN
fsr-3656	334	5	.	.	PUNCT
fsr-3656	335	1	1990	1990	NUM
fsr-3656	335	2	.	.	PUNCT
fsr-3656	336	1	philadelphia	philadelphia	PROPN
fsr-3656	336	2	:	:	PUNCT
fsr-3656	336	3	hay/	hay/	PROPN
fsr-3656	336	4	huggins	huggins	PROPN
fsr-3656	336	5	company	company	PROPN
fsr-3656	336	6	.	.	PUNCT
fsr-3656	337	1	hennessey	hennessey	PROPN
fsr-3656	337	2	,	,	PUNCT
fsr-3656	337	3	john	john	PROPN
fsr-3656	337	4	c.	c.	PROPN
fsr-3656	337	5	,	,	PUNCT
fsr-3656	337	6	and	and	CCONJ
fsr-3656	337	7	janice	janice	PROPN
fsr-3656	337	8	m.	m.	PROPN
fsr-3656	337	9	dykacz	dykacz	PROPN
fsr-3656	337	10	.	.	PROPN
fsr-3656	337	11	1989	1989	NUM
fsr-3656	337	12	.	.	PUNCT
fsr-3656	338	1	“	"	PUNCT
fsr-3656	338	2	projected	project	VERB
fsr-3656	338	3	outcomes	outcome	NOUN
fsr-3656	338	4	and	and	CCONJ
fsr-3656	338	5	length	length	NOUN
fsr-3656	338	6	of	of	ADP
fsr-3656	338	7	time	time	NOUN
fsr-3656	338	8	in	in	ADP
fsr-3656	338	9	disability	disability	NOUN
fsr-3656	338	10	insurance	insurance	NOUN
fsr-3656	338	11	program	program	NOUN
fsr-3656	338	12	,	,	PUNCT
fsr-3656	338	13	”	"	PUNCT
fsr-3656	338	14	social	social	ADJ
fsr-3656	338	15	security	security	NOUN
fsr-3656	338	16	bulletin	bulletin	NOUN
fsr-3656	338	17	,	,	PUNCT
fsr-3656	338	18	52(9	52(9	NUM
fsr-3656	338	19	):	):	PUNCT
fsr-3656	338	20	2	2	NUM
fsr-3656	338	21	-	-	SYM
fsr-3656	338	22	41	41	NUM
fsr-3656	338	23	.	.	PUNCT
fsr-3656	339	1	hill	hill	PROPN
fsr-3656	339	2	,	,	PUNCT
fsr-3656	339	3	diane	diane	PROPN
fsr-3656	339	4	b.	b.	PROPN
fsr-3656	339	5	1987	1987	NUM
fsr-3656	339	6	.	.	PUNCT
fsr-3656	340	1	“	"	PUNCT
fsr-3656	340	2	employer	employer	NOUN
fsr-3656	340	3	-	-	PUNCT
fsr-3656	340	4	sponsored	sponsor	VERB
fsr-3656	340	5	long	long	ADJ
fsr-3656	340	6	-	-	PUNCT
fsr-3656	340	7	term	term	NOUN
fsr-3656	340	8	disability	disability	NOUN
fsr-3656	340	9	insurance	insurance	NOUN
fsr-3656	340	10	,	,	PUNCT
fsr-3656	340	11	”	"	PUNCT
fsr-3656	340	12	monthly	monthly	ADJ
fsr-3656	340	13	labor	labor	NOUN
fsr-3656	340	14	review	review	PROPN
fsr-3656	340	15	,	,	PUNCT
fsr-3656	340	16	110(7	110(7	NUM
fsr-3656	340	17	):	):	PUNCT
fsr-3656	340	18	16	16	NUM
fsr-3656	340	19	-	-	SYM
fsr-3656	340	20	22	22	NUM
fsr-3656	340	21	.	.	PUNCT
fsr-3656	341	1	houff	houff	PROPN
fsr-3656	341	2	,	,	PUNCT
fsr-3656	341	3	james	james	PROPN
fsr-3656	341	4	n.	n.	PROPN
fsr-3656	341	5	,	,	PUNCT
fsr-3656	341	6	and	and	CCONJ
fsr-3656	341	7	william	william	PROPN
fsr-3656	341	8	j.	j.	PROPN
fsr-3656	341	9	wiatrowski	wiatrowski	PROPN
fsr-3656	341	10	.	.	PUNCT
fsr-3656	342	1	1989	1989	NUM
fsr-3656	342	2	.	.	PUNCT
fsr-3656	343	1	“	"	PUNCT
fsr-3656	343	2	analyzing	analyze	VERB
fsr-3656	343	3	short	short	ADJ
fsr-3656	343	4	-	-	PUNCT
fsr-3656	343	5	term	term	NOUN
fsr-3656	343	6	disability	disability	NOUN
fsr-3656	343	7	benefits	benefit	NOUN
fsr-3656	343	8	,	,	PUNCT
fsr-3656	343	9	”	"	PUNCT
fsr-3656	343	10	monthly	monthly	ADJ
fsr-3656	343	11	labor	labor	NOUN
fsr-3656	343	12	review	review	NOUN
fsr-3656	343	13	,	,	PUNCT
fsr-3656	343	14	112(6	112(6	NUM
fsr-3656	343	15	):	):	PUNCT
fsr-3656	343	16	3	3	NUM
fsr-3656	343	17	-	-	SYM
fsr-3656	343	18	9	9	NUM
fsr-3656	343	19	.	.	PUNCT
fsr-3656	344	1	kerns	kerns	PROPN
fsr-3656	344	2	,	,	PUNCT
fsr-3656	344	3	wilmer	wilmer	PROPN
fsr-3656	344	4	l.	l.	PROPN
fsr-3656	344	5	1989	1989	NUM
fsr-3656	344	6	.	.	PUNCT
fsr-3656	345	1	“	"	PUNCT
fsr-3656	345	2	social	social	ADJ
fsr-3656	345	3	security	security	NOUN
fsr-3656	345	4	programs	program	NOUN
fsr-3656	345	5	in	in	ADP
fsr-3656	345	6	the	the	DET
fsr-3656	345	7	united	united	PROPN
fsr-3656	345	8	states	states	PROPN
fsr-3656	345	9	:	:	PUNCT
fsr-3656	345	10	temporary	temporary	ADJ
fsr-3656	345	11	disability	disability	NOUN
fsr-3656	345	12	insurance	insurance	NOUN
fsr-3656	345	13	or	or	CCONJ
fsr-3656	345	14	cash	cash	NOUN
fsr-3656	345	15	sickness	sickness	NOUN
fsr-3656	345	16	insurance	insurance	NOUN
fsr-3656	345	17	,	,	PUNCT
fsr-3656	345	18	”	"	PUNCT
fsr-3656	345	19	social	social	ADJ
fsr-3656	345	20	security	security	NOUN
fsr-3656	345	21	bulletin	bulletin	NOUN
fsr-3656	345	22	,	,	PUNCT
fsr-3656	345	23	52(7	52(7	NUM
fsr-3656	345	24	):	):	PUNCT
fsr-3656	345	25	37	37	NUM
fsr-3656	345	26	-	-	SYM
fsr-3656	345	27	41	41	NUM
fsr-3656	345	28	.	.	PUNCT
fsr-3656	346	1	koco	koco	PROPN
fsr-3656	346	2	,	,	PUNCT
fsr-3656	346	3	linda	linda	PROPN
fsr-3656	346	4	.	.	PUNCT
fsr-3656	346	5	1990	1990	NUM
fsr-3656	346	6	.	.	PUNCT
fsr-3656	347	1	“	"	PUNCT
fsr-3656	347	2	cigna	cigna	PROPN
fsr-3656	347	3	managed	manage	VERB
fsr-3656	347	4	di	di	X
fsr-3656	347	5	‘	'	PUNCT
fsr-3656	347	6	unites	unite	VERB
fsr-3656	347	7	’	'	PUNCT
fsr-3656	347	8	short	short	ADJ
fsr-3656	347	9	and	and	CCONJ
fsr-3656	347	10	long	long	ADJ
fsr-3656	347	11	-	-	PUNCT
fsr-3656	347	12	term	term	NOUN
fsr-3656	347	13	covers	cover	NOUN
fsr-3656	347	14	,	,	PUNCT
fsr-3656	347	15	”	"	PUNCT
fsr-3656	347	16	national	national	ADJ
fsr-3656	347	17	underwriter	underwriter	NOUN
fsr-3656	347	18	,	,	PUNCT
fsr-3656	347	19	94(22	94(22	NUM
fsr-3656	347	20	):	):	PUNCT
fsr-3656	347	21	5	5	NUM
fsr-3656	347	22	,	,	PUNCT
fsr-3656	347	23	10	10	NUM
fsr-3656	347	24	.	.	PUNCT
fsr-3656	348	1	lambert	lambert	PROPN
fsr-3656	348	2	,	,	PUNCT
fsr-3656	348	3	wade	wade	PROPN
fsr-3656	348	4	.	.	PUNCT
fsr-3656	348	5	1990	1990	NUM
fsr-3656	348	6	.	.	PUNCT
fsr-3656	349	1	“	"	PUNCT
fsr-3656	349	2	federal	federal	ADJ
fsr-3656	349	3	agency	agency	NOUN
fsr-3656	349	4	improperly	improperly	ADV
fsr-3656	349	5	denied	deny	VERB
fsr-3656	349	6	claims	claim	NOUN
fsr-3656	349	7	,	,	PUNCT
fsr-3656	349	8	”	"	PUNCT
fsr-3656	349	9	wall	wall	PROPN
fsr-3656	349	10	street	street	PROPN
fsr-3656	349	11	journal	journal	PROPN
fsr-3656	349	12	,	,	PUNCT
fsr-3656	349	13	june	june	PROPN
fsr-3656	349	14	28	28	NUM
fsr-3656	349	15	,	,	PUNCT
fsr-3656	349	16	1990	1990	NUM
fsr-3656	349	17	,	,	PUNCT
fsr-3656	349	18	p.	p.	NOUN
fsr-3656	349	19	a16	a16	PROPN
fsr-3656	349	20	.	.	PUNCT
fsr-3656	350	1	lando	lando	PROPN
fsr-3656	350	2	,	,	PUNCT
fsr-3656	350	3	mordechai	mordechai	PROPN
fsr-3656	350	4	e.	e.	PROPN
fsr-3656	350	5	,	,	PUNCT
fsr-3656	350	6	alice	alice	PROPN
fsr-3656	350	7	v.	v.	PROPN
fsr-3656	350	8	farley	farley	PROPN
fsr-3656	350	9	,	,	PUNCT
fsr-3656	350	10	and	and	CCONJ
fsr-3656	350	11	mary	mary	PROPN
fsr-3656	350	12	a.	a.	PROPN
fsr-3656	350	13	brown	brown	PROPN
fsr-3656	350	14	.	.	PUNCT
fsr-3656	351	1	1982	1982	NUM
fsr-3656	351	2	.	.	PUNCT
fsr-3656	352	1	“	"	PUNCT
fsr-3656	352	2	recent	recent	ADJ
fsr-3656	352	3	trends	trend	NOUN
fsr-3656	352	4	in	in	ADP
fsr-3656	352	5	the	the	DET
fsr-3656	352	6	social	social	ADJ
fsr-3656	352	7	security	security	NOUN
fsr-3656	352	8	disability	disability	NOUN
fsr-3656	352	9	insurance	insurance	NOUN
fsr-3656	352	10	program	program	NOUN
fsr-3656	352	11	,	,	PUNCT
fsr-3656	352	12	”	"	PUNCT
fsr-3656	352	13	social	social	ADJ
fsr-3656	352	14	security	security	NOUN
fsr-3656	352	15	bulletin	bulletin	NOUN
fsr-3656	352	16	,	,	PUNCT
fsr-3656	352	17	45(8	45(8	NOUN
fsr-3656	352	18	):	):	PUNCT
fsr-3656	352	19	3	3	NUM
fsr-3656	352	20	-	-	SYM
fsr-3656	352	21	14	14	NUM
fsr-3656	352	22	.	.	PUNCT
fsr-3656	353	1	lyons	lyons	PROPN
fsr-3656	353	2	,	,	PUNCT
fsr-3656	353	3	james	james	PROPN
fsr-3656	353	4	r.	r.	PROPN
fsr-3656	353	5	1987	1987	NUM
fsr-3656	353	6	.	.	PUNCT
fsr-3656	354	1	“	"	PUNCT
fsr-3656	354	2	impact	impact	NOUN
fsr-3656	354	3	of	of	ADP
fsr-3656	354	4	taxes	taxis	NOUN
fsr-3656	354	5	on	on	ADP
fsr-3656	354	6	disability	disability	NOUN
fsr-3656	354	7	income	income	NOUN
fsr-3656	354	8	insurance	insurance	NOUN
fsr-3656	354	9	plans	plan	NOUN
fsr-3656	354	10	,	,	PUNCT
fsr-3656	354	11	”	"	PUNCT
fsr-3656	354	12	journal	journal	NOUN
fsr-3656	354	13	ofthe	ofthe	PROPN
fsr-3656	354	14	american	american	ADJ
fsr-3656	354	15	society	society	NOUN
fsr-3656	354	16	of	of	ADP
fsr-3656	354	17	clu	clu	PROPN
fsr-3656	354	18	and	and	CCONJ
fsr-3656	354	19	chfc	chfc	NOUN
fsr-3656	354	20	,	,	PUNCT
fsr-3656	354	21	41	41	NUM
fsr-3656	354	22	(	(	PUNCT
fsr-3656	354	23	1	1	NUM
fsr-3656	354	24	):	):	PUNCT
fsr-3656	354	25	56	56	NUM
fsr-3656	354	26	-	-	SYM
fsr-3656	354	27	63	63	NUM
fsr-3656	354	28	.	.	PUNCT
fsr-3656	355	1	mehr	mehr	NOUN
fsr-3656	355	2	,	,	PUNCT
fsr-3656	355	3	robert	robert	PROPN
fsr-3656	355	4	i.	i.	PROPN
fsr-3656	355	5	,	,	PUNCT
fsr-3656	355	6	and	and	CCONJ
fsr-3656	355	7	sandra	sandra	PROPN
fsr-3656	355	8	g.	g.	PROPN
fsr-3656	355	9	gustavson	gustavson	PROPN
fsr-3656	355	10	.	.	PUNCT
fsr-3656	356	1	1987	1987	NUM
fsr-3656	356	2	.	.	PUNCT
fsr-3656	357	1	lzfe	lzfe	PROPN
fsr-3656	357	2	insurance	insurance	NOUN
fsr-3656	357	3	:	:	PUNCT
fsr-3656	357	4	theory	theory	NOUN
fsr-3656	357	5	and	and	CCONJ
fsr-3656	357	6	practice	practice	NOUN
fsr-3656	357	7	,	,	PUNCT
fsr-3656	357	8	fourth	fourth	PROPN
fsr-3656	357	9	edition	edition	NOUN
fsr-3656	357	10	.	.	PUNCT
fsr-3656	358	1	plano	plano	PROPN
fsr-3656	358	2	,	,	PUNCT
fsr-3656	358	3	tx	tx	PROPN
fsr-3656	358	4	:	:	PUNCT
fsr-3656	358	5	business	business	NOUN
fsr-3656	358	6	publications	publication	NOUN
fsr-3656	358	7	.	.	PUNCT
fsr-3656	359	1	miller	miller	PROPN
fsr-3656	359	2	,	,	PUNCT
fsr-3656	359	3	john	john	PROPN
fsr-3656	359	4	h.	h.	PROPN
fsr-3656	359	5	1978	1978	NUM
fsr-3656	359	6	.	.	PUNCT
fsr-3656	360	1	“	"	PUNCT
fsr-3656	360	2	disability	disability	NOUN
fsr-3656	360	3	insurance	insurance	NOUN
fsr-3656	360	4	,	,	PUNCT
fsr-3656	360	5	an	an	DET
fsr-3656	360	6	assessment	assessment	NOUN
fsr-3656	360	7	of	of	ADP
fsr-3656	360	8	its	its	PRON
fsr-3656	360	9	social	social	ADJ
fsr-3656	360	10	value	value	NOUN
fsr-3656	360	11	,	,	PUNCT
fsr-3656	360	12	”	"	PUNCT
fsr-3656	360	13	clu	clu	PROPN
fsr-3656	360	14	journal	journal	PROPN
fsr-3656	360	15	,	,	PUNCT
fsr-3656	360	16	32(4	32(4	NUM
fsr-3656	360	17	):	):	PUNCT
fsr-3656	360	18	12	12	NUM
fsr-3656	360	19	-	-	SYM
fsr-3656	360	20	24	24	NUM
fsr-3656	360	21	.	.	PUNCT
fsr-3656	361	1	molho	molho	PROPN
fsr-3656	361	2	,	,	PUNCT
fsr-3656	361	3	ian	ian	PROPN
fsr-3656	361	4	.	.	PROPN
fsr-3656	361	5	1989	1989	NUM
fsr-3656	361	6	.	.	PUNCT
fsr-3656	362	1	“	"	PUNCT
fsr-3656	362	2	a	a	DET
fsr-3656	362	3	disaggregate	disaggregate	ADJ
fsr-3656	362	4	model	model	NOUN
fsr-3656	362	5	of	of	ADP
fsr-3656	362	6	flows	flow	NOUN
fsr-3656	362	7	onto	onto	ADP
fsr-3656	362	8	invalidity	invalidity	NOUN
fsr-3656	362	9	benefit,“appzied	benefit,“appzie	VERB
fsr-3656	362	10	economics	economic	NOUN
fsr-3656	362	11	,	,	PUNCT
fsr-3656	362	12	21	21	NUM
fsr-3656	362	13	:	:	SYM
fsr-3656	362	14	237	237	NUM
fsr-3656	362	15	-	-	SYM
fsr-3656	362	16	250	250	NUM
fsr-3656	362	17	.	.	PUNCT
fsr-3656	363	1	morris	morris	PROPN
fsr-3656	363	2	,	,	PUNCT
fsr-3656	363	3	jr	jr	PROPN
fsr-3656	363	4	,	,	PUNCT
fsr-3656	363	5	william	william	PROPN
fsr-3656	363	6	h.	h.	PROPN
fsr-3656	363	7	1986	1986	NUM
fsr-3656	363	8	.	.	PUNCT
fsr-3656	364	1	disability	disability	NOUN
fsr-3656	364	2	insurance	insurance	NOUN
fsr-3656	364	3	.	.	PUNCT
fsr-3656	365	1	lexington	lexington	PROPN
fsr-3656	365	2	,	,	PUNCT
fsr-3656	365	3	ky	ky	PROPN
fsr-3656	365	4	:	:	PROPN
fsr-3656	365	5	lexington	lexington	PROPN
fsr-3656	365	6	house	house	PROPN
fsr-3656	365	7	.	.	PUNCT
fsr-3656	366	1	mudrick	mudrick	PROPN
fsr-3656	366	2	,	,	PUNCT
fsr-3656	366	3	nancy	nancy	PROPN
fsr-3656	366	4	r.	r.	PROPN
fsr-3656	366	5	1988	1988	NUM
fsr-3656	366	6	.	.	PUNCT
fsr-3656	367	1	“	"	PUNCT
fsr-3656	367	2	predictors	predictor	NOUN
fsr-3656	367	3	of	of	ADP
fsr-3656	367	4	disability	disability	NOUN
fsr-3656	367	5	among	among	ADP
fsr-3656	367	6	midlife	midlife	ADJ
fsr-3656	367	7	men	man	NOUN
fsr-3656	367	8	and	and	CCONJ
fsr-3656	367	9	women	woman	NOUN
fsr-3656	367	10	:	:	PUNCT
fsr-3656	367	11	differences	difference	NOUN
fsr-3656	367	12	by	by	ADP
fsr-3656	367	13	severity	severity	NOUN
fsr-3656	367	14	of	of	ADP
fsr-3656	367	15	impairment	impairment	NOUN
fsr-3656	367	16	,	,	PUNCT
fsr-3656	367	17	”	"	PUNCT
fsr-3656	367	18	journal	journal	NOUN
fsr-3656	367	19	of	of	ADP
fsr-3656	367	20	community	community	NOUN
fsr-3656	367	21	health	health	NOUN
fsr-3656	367	22	,	,	PUNCT
fsr-3656	367	23	13(2	13(2	NUM
fsr-3656	367	24	):	):	PUNCT
fsr-3656	367	25	70	70	NUM
fsr-3656	367	26	-	-	SYM
fsr-3656	367	27	84	84	NUM
fsr-3656	367	28	.	.	PUNCT
fsr-3656	368	1	nelson	nelson	PROPN
fsr-3656	368	2	,	,	PUNCT
fsr-3656	368	3	jr	jr	PROPN
fsr-3656	368	4	.	.	PROPN
fsr-3656	368	5	,	,	PUNCT
fsr-3656	368	6	william	william	PROPN
fsr-3656	368	7	j.	j.	PROPN
fsr-3656	368	8	1988a	1988a	PROPN
fsr-3656	368	9	.	.	PUNCT
fsr-3656	369	1	“	"	PUNCT
fsr-3656	369	2	workers	worker	NOUN
fsr-3656	369	3	’	'	PUNCT
fsr-3656	369	4	compensation	compensation	NOUN
fsr-3656	369	5	:	:	PUNCT
fsr-3656	369	6	coverage	coverage	NOUN
fsr-3656	369	7	,	,	PUNCT
fsr-3656	369	8	benefits	benefit	NOUN
fsr-3656	369	9	,	,	PUNCT
fsr-3656	369	10	and	and	CCONJ
fsr-3656	369	11	costs	cost	NOUN
fsr-3656	369	12	,	,	PUNCT
fsr-3656	369	13	1985	1985	NUM
fsr-3656	369	14	,	,	PUNCT
fsr-3656	369	15	”	"	PUNCT
fsr-3656	369	16	social	social	ADJ
fsr-3656	369	17	security	security	NOUN
fsr-3656	369	18	bulletin	bulletin	NOUN
fsr-3656	369	19	,	,	PUNCT
fsr-3656	369	20	5	5	NUM
fsr-3656	369	21	i	i	NOUN
fsr-3656	369	22	(	(	PUNCT
fsr-3656	369	23	1	1	NUM
fsr-3656	369	24	):	):	PUNCT
fsr-3656	369	25	4	4	NUM
fsr-3656	369	26	-	-	SYM
fsr-3656	369	27	9	9	NUM
fsr-3656	369	28	.	.	PUNCT
fsr-3656	370	1	nelson	nelson	PROPN
fsr-3656	370	2	,	,	PUNCT
fsr-3656	370	3	jr	jr	PROPN
fsr-3656	370	4	.	.	PROPN
fsr-3656	370	5	,	,	PUNCT
fsr-3656	370	6	william	william	PROPN
fsr-3656	370	7	j.	j.	PROPN
fsr-3656	370	8	1988b	1988b	PROPN
fsr-3656	370	9	.	.	PUNCT
fsr-3656	371	1	“	"	PUNCT
fsr-3656	371	2	workers	worker	NOUN
fsr-3656	371	3	’	'	PUNCT
fsr-3656	371	4	compensation	compensation	NOUN
fsr-3656	371	5	:	:	PUNCT
fsr-3656	371	6	1980	1980	NUM
fsr-3656	371	7	-	-	SYM
fsr-3656	371	8	84	84	NUM
fsr-3656	371	9	benchmark	benchmark	NOUN
fsr-3656	371	10	revisions	revision	NOUN
fsr-3656	371	11	,	,	PUNCT
fsr-3656	371	12	”	"	PUNCT
fsr-3656	371	13	social	social	ADJ
fsr-3656	371	14	security	security	NOUN
fsr-3656	371	15	bulletin	bulletin	NOUN
fsr-3656	371	16	,	,	PUNCT
fsr-3656	371	17	51(7	51(7	NUM
fsr-3656	371	18	):	):	PUNCT
fsr-3656	371	19	4	4	NUM
fsr-3656	371	20	-	-	SYM
fsr-3656	371	21	21	21	NUM
fsr-3656	371	22	.	.	PUNCT
fsr-3656	372	1	financial	financial	ADJ
fsr-3656	372	2	services	service	NOUN
fsr-3656	372	3	review	review	NOUN
fsr-3656	372	4	,	,	PUNCT
fsr-3656	372	5	l(1	l(1	PROPN
fsr-3656	372	6	)	)	PUNCT
fsr-3656	372	7	1991	1991	NUM
fsr-3656	372	8	nelson	nelson	PROPN
fsr-3656	372	9	,	,	PUNCT
fsr-3656	372	10	jr	jr	PROPN
fsr-3656	372	11	.	.	PROPN
fsr-3656	372	12	,	,	PUNCT
fsr-3656	372	13	william	william	PROPN
fsr-3656	372	14	j.	j.	PROPN
fsr-3656	372	15	1989	1989	NUM
fsr-3656	372	16	.	.	PUNCT
fsr-3656	373	1	“	"	PUNCT
fsr-3656	373	2	social	social	ADJ
fsr-3656	373	3	security	security	NOUN
fsr-3656	373	4	programs	program	NOUN
fsr-3656	373	5	in	in	ADP
fsr-3656	373	6	the	the	DET
fsr-3656	373	7	united	united	PROPN
fsr-3656	373	8	states	states	PROPN
fsr-3656	373	9	:	:	PUNCT
fsr-3656	373	10	workers	worker	NOUN
fsr-3656	373	11	’	'	PUNCT
fsr-3656	373	12	compensation	compensation	NOUN
fsr-3656	373	13	,	,	PUNCT
fsr-3656	373	14	”	"	PUNCT
fsr-3656	373	15	social	social	ADJ
fsr-3656	373	16	security	security	NOUN
fsr-3656	373	17	bulletin	bulletin	NOUN
fsr-3656	373	18	,	,	PUNCT
fsr-3656	373	19	52(7	52(7	NUM
fsr-3656	373	20	):	):	PUNCT
fsr-3656	373	21	27	27	NUM
fsr-3656	373	22	-	-	SYM
fsr-3656	373	23	36	36	NUM
fsr-3656	373	24	.	.	PUNCT
fsr-3656	374	1	packard	packard	PROPN
fsr-3656	374	2	,	,	PUNCT
fsr-3656	374	3	michael	michael	PROPN
fsr-3656	374	4	d.	d.	PROPN
fsr-3656	374	5	1987	1987	NUM
fsr-3656	374	6	.	.	PUNCT
fsr-3656	375	1	“	"	PUNCT
fsr-3656	375	2	income	income	NOUN
fsr-3656	375	3	of	of	ADP
fsr-3656	375	4	new	new	ADJ
fsr-3656	375	5	disabled	disabled	ADJ
fsr-3656	375	6	-	-	PUNCT
fsr-3656	375	7	worker	worker	NOUN
fsr-3656	375	8	beneficiaries	beneficiary	NOUN
fsr-3656	375	9	and	and	CCONJ
fsr-3656	375	10	their	their	PRON
fsr-3656	375	11	families	family	NOUN
fsr-3656	375	12	:	:	PUNCT
fsr-3656	375	13	findings	finding	NOUN
fsr-3656	375	14	from	from	ADP
fsr-3656	375	15	the	the	DET
fsr-3656	375	16	new	new	ADJ
fsr-3656	375	17	beneficiary	beneficiary	NOUN
fsr-3656	375	18	survey	survey	NOUN
fsr-3656	375	19	,	,	PUNCT
fsr-3656	375	20	”	"	PUNCT
fsr-3656	375	21	social	social	ADJ
fsr-3656	375	22	security	security	NOUN
fsr-3656	375	23	bulletin	bulletin	NOUN
fsr-3656	375	24	,	,	PUNCT
fsr-3656	375	25	50(3	50(3	NUM
fsr-3656	375	26	):	):	PUNCT
fsr-3656	375	27	s-23	s-23	PROPN
fsr-3656	375	28	.	.	PUNCT
fsr-3656	376	1	pear	pear	PROPN
fsr-3656	376	2	,	,	PUNCT
fsr-3656	376	3	robert	robert	PROPN
fsr-3656	376	4	.	.	PROPN
fsr-3656	376	5	1990	1990	NUM
fsr-3656	376	6	.	.	PUNCT
fsr-3656	377	1	“	"	PUNCT
fsr-3656	377	2	u.s	u.s	PROPN
fsr-3656	377	3	.	.	PROPN
fsr-3656	377	4	is	be	AUX
fsr-3656	377	5	suspending	suspend	VERB
fsr-3656	377	6	hearings	hearing	NOUN
fsr-3656	377	7	on	on	ADP
fsr-3656	377	8	new	new	ADJ
fsr-3656	377	9	disability	disability	NOUN
fsr-3656	377	10	payments	payment	NOUN
fsr-3656	377	11	,	,	PUNCT
fsr-3656	377	12	”	"	PUNCT
fsr-3656	377	13	new	new	PROPN
fsr-3656	377	14	york	york	PROPN
fsr-3656	377	15	times	times	PROPN
fsr-3656	377	16	,	,	PUNCT
fsr-3656	377	17	august	august	PROPN
fsr-3656	377	18	1	1	NUM
fsr-3656	377	19	,	,	PUNCT
fsr-3656	377	20	1990	1990	NUM
fsr-3656	377	21	,	,	PUNCT
fsr-3656	377	22	pp	pp	ADV
fsr-3656	377	23	.	.	PUNCT
fsr-3656	378	1	al	al	PROPN
fsr-3656	378	2	,	,	PUNCT
fsr-3656	378	3	b6	b6	NOUN
fsr-3656	378	4	.	.	PUNCT
fsr-3656	378	5	price	price	NOUN
fsr-3656	378	6	,	,	PUNCT
fsr-3656	378	7	daniel	daniel	PROPN
fsr-3656	378	8	n.	n.	PROPN
fsr-3656	378	9	1986	1986	NUM
fsr-3656	378	10	.	.	PUNCT
fsr-3656	379	1	“	"	PUNCT
fsr-3656	379	2	cash	cash	NOUN
fsr-3656	379	3	benefits	benefit	NOUN
fsr-3656	379	4	for	for	ADP
fsr-3656	379	5	short	short	ADJ
fsr-3656	379	6	-	-	PUNCT
fsr-3656	379	7	term	term	NOUN
fsr-3656	379	8	sickness	sickness	NOUN
fsr-3656	379	9	:	:	PUNCT
fsr-3656	379	10	thirty	thirty	NUM
fsr-3656	379	11	-	-	PUNCT
fsr-3656	379	12	five	five	NUM
fsr-3656	379	13	years	year	NOUN
fsr-3656	379	14	of	of	ADP
fsr-3656	379	15	data	datum	NOUN
fsr-3656	379	16	,	,	PUNCT
fsr-3656	379	17	1948	1948	NUM
fsr-3656	379	18	83	83	NUM
fsr-3656	379	19	,	,	PUNCT
fsr-3656	379	20	”	"	PUNCT
fsr-3656	379	21	social	social	ADJ
fsr-3656	379	22	security	security	NOUN
fsr-3656	379	23	bulletin	bulletin	NOUN
fsr-3656	379	24	,	,	PUNCT
fsr-3656	379	25	49(5	49(5	NUM
fsr-3656	379	26	):	):	PUNCT
fsr-3656	379	27	5	5	NUM
fsr-3656	379	28	-	-	SYM
fsr-3656	379	29	19	19	NUM
fsr-3656	379	30	.	.	PUNCT
fsr-3656	379	31	reno	reno	PROPN
fsr-3656	379	32	,	,	PUNCT
fsr-3656	379	33	virginia	virginia	PROPN
fsr-3656	379	34	p.	p.	PROPN
fsr-3656	379	35	,	,	PUNCT
fsr-3656	379	36	and	and	CCONJ
fsr-3656	379	37	daniel	daniel	PROPN
fsr-3656	379	38	n.	n.	PROPN
fsr-3656	379	39	price	price	PROPN
fsr-3656	379	40	.	.	PUNCT
fsr-3656	380	1	1985	1985	NUM
fsr-3656	380	2	.	.	PUNCT
fsr-3656	381	1	“	"	PUNCT
fsr-3656	381	2	relationship	relationship	NOUN
fsr-3656	381	3	between	between	ADP
fsr-3656	381	4	the	the	DET
fsr-3656	381	5	retirement	retirement	NOUN
fsr-3656	381	6	,	,	PUNCT
fsr-3656	381	7	disability	disability	NOUN
fsr-3656	381	8	,	,	PUNCT
fsr-3656	381	9	and	and	CCONJ
fsr-3656	381	10	unemployment	unemployment	NOUN
fsr-3656	381	11	insurance	insurance	NOUN
fsr-3656	381	12	programs	program	NOUN
fsr-3656	381	13	:	:	PUNCT
fsr-3656	381	14	the	the	DET
fsr-3656	381	15	u.s	u.s	PROPN
fsr-3656	381	16	.	.	PROPN
fsr-3656	381	17	experience	experience	NOUN
fsr-3656	381	18	,	,	PUNCT
fsr-3656	381	19	”	"	PUNCT
fsr-3656	381	20	social	social	ADJ
fsr-3656	381	21	security	security	NOUN
fsr-3656	381	22	bulletin	bulletin	NOUN
fsr-3656	381	23	,	,	PUNCT
fsr-3656	381	24	48(5	48(5	NUM
fsr-3656	381	25	):	):	PUNCT
fsr-3656	381	26	24	24	NUM
fsr-3656	381	27	-	-	SYM
fsr-3656	381	28	37	37	NUM
fsr-3656	381	29	.	.	PUNCT
fsr-3656	382	1	rejda	rejda	NOUN
fsr-3656	382	2	,	,	PUNCT
fsr-3656	382	3	george	george	PROPN
fsr-3656	382	4	e.	e.	PROPN
fsr-3656	382	5	1984	1984	PROPN
fsr-3656	382	6	.	.	PUNCT
fsr-3656	383	1	social	social	ADJ
fsr-3656	383	2	insurance	insurance	NOUN
fsr-3656	383	3	and	and	CCONJ
fsr-3656	383	4	economic	economic	ADJ
fsr-3656	383	5	security	security	NOUN
fsr-3656	383	6	,	,	PUNCT
fsr-3656	383	7	2nd	2nd	PROPN
fsr-3656	383	8	edition	edition	NOUN
fsr-3656	383	9	.	.	PUNCT
fsr-3656	384	1	englewood	englewood	PROPN
fsr-3656	384	2	cliffs	cliffs	PROPN
fsr-3656	384	3	,	,	PUNCT
fsr-3656	384	4	nj	nj	PROPN
fsr-3656	384	5	:	:	PUNCT
fsr-3656	384	6	prentice	prentice	NOUN
fsr-3656	384	7	-	-	PUNCT
fsr-3656	384	8	hall	hall	NOUN
fsr-3656	384	9	.	.	PUNCT
fsr-3656	385	1	rose	rose	PROPN
fsr-3656	385	2	,	,	PUNCT
fsr-3656	385	3	terry	terry	PROPN
fsr-3656	385	4	,	,	PUNCT
fsr-3656	385	5	and	and	CCONJ
fsr-3656	385	6	robert	robert	PROPN
fsr-3656	385	7	i.	i.	PROPN
fsr-3656	385	8	mehr	mehr	PROPN
fsr-3656	385	9	.	.	PUNCT
fsr-3656	386	1	1980	1980	NUM
fsr-3656	386	2	.	.	PUNCT
fsr-3656	387	1	“	"	PUNCT
fsr-3656	387	2	flexible	flexible	ADJ
fsr-3656	387	3	income	income	NOUN
fsr-3656	387	4	programming	programming	NOUN
fsr-3656	387	5	,	,	PUNCT
fsr-3656	387	6	”	"	PUNCT
fsr-3656	387	7	journal	journal	NOUN
fsr-3656	387	8	of	of	ADP
fsr-3656	387	9	risk	risk	NOUN
fsr-3656	387	10	and	and	CCONJ
fsr-3656	387	11	insurance	insurance	NOUN
fsr-3656	387	12	,	,	PUNCT
fsr-3656	387	13	48	48	NUM
fsr-3656	387	14	(	(	PUNCT
fsr-3656	387	15	1	1	NUM
fsr-3656	387	16	):	):	PUNCT
fsr-3656	387	17	44	44	NUM
fsr-3656	387	18	-	-	SYM
fsr-3656	387	19	60	60	NUM
fsr-3656	387	20	.	.	PUNCT
fsr-3656	388	1	schwartz	schwartz	PROPN
fsr-3656	388	2	,	,	PUNCT
fsr-3656	388	3	david	david	PROPN
fsr-3656	388	4	,	,	PUNCT
fsr-3656	388	5	and	and	CCONJ
fsr-3656	388	6	herman	herman	PROPN
fsr-3656	388	7	grundmann	grundmann	PROPN
fsr-3656	388	8	.	.	PUNCT
fsr-3656	388	9	1989	1989	NUM
fsr-3656	388	10	.	.	PUNCT
fsr-3656	389	1	“	"	PUNCT
fsr-3656	389	2	social	social	ADJ
fsr-3656	389	3	security	security	NOUN
fsr-3656	389	4	programs	program	NOUN
fsr-3656	389	5	in	in	ADP
fsr-3656	389	6	the	the	DET
fsr-3656	389	7	united	united	PROPN
fsr-3656	389	8	states	states	PROPN
fsr-3656	389	9	:	:	PUNCT
fsr-3656	389	10	old	old	ADJ
fsr-3656	389	11	-	-	PUNCT
fsr-3656	389	12	age	age	NOUN
fsr-3656	389	13	,	,	PUNCT
fsr-3656	389	14	survivors	survivor	NOUN
fsr-3656	389	15	,	,	PUNCT
fsr-3656	389	16	and	and	CCONJ
fsr-3656	389	17	disability	disability	NOUN
fsr-3656	389	18	insurance	insurance	NOUN
fsr-3656	389	19	,	,	PUNCT
fsr-3656	389	20	”	"	PUNCT
fsr-3656	389	21	social	social	ADJ
fsr-3656	389	22	security	security	NOUN
fsr-3656	389	23	bulletin	bulletin	NOUN
fsr-3656	389	24	,	,	PUNCT
fsr-3656	389	25	52(7	52(7	NUM
fsr-3656	389	26	):	):	PUNCT
fsr-3656	389	27	6	6	NUM
fsr-3656	389	28	-	-	SYM
fsr-3656	389	29	19	19	NUM
fsr-3656	389	30	.	.	PUNCT
fsr-3656	389	31	schleef	schleef	PROPN
fsr-3656	389	32	,	,	PUNCT
fsr-3656	389	33	harold	harold	PROPN
fsr-3656	389	34	.	.	PROPN
fsr-3656	389	35	1989	1989	NUM
fsr-3656	389	36	.	.	PUNCT
fsr-3656	390	1	“	"	PUNCT
fsr-3656	390	2	whole	whole	ADJ
fsr-3656	390	3	life	life	NOUN
fsr-3656	390	4	cost	cost	NOUN
fsr-3656	390	5	comparisons	comparison	NOUN
fsr-3656	390	6	based	base	VERB
fsr-3656	390	7	upon	upon	SCONJ
fsr-3656	390	8	the	the	DET
fsr-3656	390	9	year	year	NOUN
fsr-3656	390	10	of	of	ADP
fsr-3656	390	11	required	require	VERB
fsr-3656	390	12	protection	protection	NOUN
fsr-3656	390	13	,	,	PUNCT
fsr-3656	390	14	”	"	PUNCT
fsr-3656	390	15	journal	journal	NOUN
fsr-3656	390	16	of	of	ADP
fsr-3656	390	17	risk	risk	NOUN
fsr-3656	390	18	and	and	CCONJ
fsr-3656	390	19	insurance	insurance	NOUN
fsr-3656	390	20	,	,	PUNCT
fsr-3656	390	21	56(l	56(l	NUM
fsr-3656	390	22	):	):	PUNCT
fsr-3656	390	23	83	83	NUM
fsr-3656	390	24	-	-	SYM
fsr-3656	390	25	103	103	NUM
fsr-3656	390	26	.	.	PUNCT
fsr-3656	391	1	social	social	ADJ
fsr-3656	391	2	security	security	NOUN
fsr-3656	391	3	administration	administration	NOUN
fsr-3656	391	4	.	.	PUNCT
fsr-3656	392	1	1990	1990	NUM
fsr-3656	392	2	.	.	PUNCT
fsr-3656	393	1	social	social	ADJ
fsr-3656	393	2	security	security	NOUN
fsr-3656	393	3	bulletin	bulletin	NOUN
fsr-3656	393	4	:	:	PUNCT
fsr-3656	393	5	annual	annual	ADJ
fsr-3656	393	6	statistical	statistical	ADJ
fsr-3656	393	7	supplement	supplement	NOUN
fsr-3656	393	8	,	,	PUNCT
fsr-3656	393	9	1989	1989	NUM
fsr-3656	393	10	.	.	PUNCT
fsr-3656	394	1	washington	washington	PROPN
fsr-3656	394	2	,	,	PUNCT
fsr-3656	394	3	dc	dc	PROPN
fsr-3656	394	4	:	:	PUNCT
fsr-3656	394	5	government	government	NOUN
fsr-3656	394	6	printing	printing	NOUN
fsr-3656	394	7	office	office	NOUN
fsr-3656	394	8	,	,	PUNCT
fsr-3656	394	9	1990	1990	NUM
fsr-3656	394	10	.	.	PUNCT
fsr-3656	395	1	soule	soule	PROPN
fsr-3656	395	2	,	,	PUNCT
fsr-3656	395	3	charles	charles	PROPN
fsr-3656	395	4	e.	e.	PROPN
fsr-3656	395	5	1984	1984	NUM
fsr-3656	395	6	.	.	PUNCT
fsr-3656	396	1	disability	disability	NOUN
fsr-3656	396	2	income	income	NOUN
fsr-3656	396	3	insurance	insurance	NOUN
fsr-3656	396	4	:	:	PUNCT
fsr-3656	396	5	the	the	DET
fsr-3656	396	6	unique	unique	ADJ
fsr-3656	396	7	risk	risk	NOUN
fsr-3656	396	8	.	.	PUNCT
fsr-3656	397	1	homewood	homewood	PROPN
fsr-3656	397	2	,	,	PUNCT
fsr-3656	397	3	il	il	PROPN
fsr-3656	397	4	:	:	PUNCT
fsr-3656	397	5	dow	dow	PROPN
fsr-3656	397	6	jones	jones	PROPN
fsr-3656	397	7	-	-	PUNCT
fsr-3656	397	8	irwin	irwin	PROPN
fsr-3656	397	9	.	.	PUNCT
fsr-3656	398	1	stemnock	stemnock	PROPN
fsr-3656	398	2	,	,	PUNCT
fsr-3656	398	3	suzanne	suzanne	PROPN
fsr-3656	398	4	k.	k.	PROPN
fsr-3656	399	1	(	(	PUNCT
fsr-3656	399	2	ed	ed	NOUN
fsr-3656	399	3	.	.	PUNCT
fsr-3656	399	4	)	)	PUNCT
fsr-3656	400	1	1988	1988	NUM
fsr-3656	400	2	.	.	PUNCT
fsr-3656	401	1	1988	1988	NUM
fsr-3656	401	2	life	life	NOUN
fsr-3656	401	3	insurance	insurance	NOUN
fsr-3656	401	4	fact	fact	NOUN
fsr-3656	401	5	book	book	NOUN
fsr-3656	401	6	.	.	PUNCT
fsr-3656	402	1	washington	washington	PROPN
fsr-3656	402	2	,	,	PUNCT
fsr-3656	402	3	dc	dc	PROPN
fsr-3656	402	4	:	:	PUNCT
fsr-3656	402	5	american	american	PROPN
fsr-3656	402	6	council	council	PROPN
fsr-3656	402	7	of	of	ADP
fsr-3656	402	8	life	life	NOUN
fsr-3656	402	9	insurance	insurance	NOUN
fsr-3656	402	10	.	.	PUNCT
fsr-3656	403	1	u.s	u.s	PROPN
fsr-3656	403	2	.	.	PROPN
fsr-3656	403	3	chamber	chamber	PROPN
fsr-3656	403	4	of	of	ADP
fsr-3656	403	5	commerce	commerce	PROPN
fsr-3656	403	6	.	.	PUNCT
fsr-3656	403	7	1989	1989	NUM
fsr-3656	403	8	.	.	PUNCT
fsr-3656	404	1	i989	i989	DET
fsr-3656	404	2	analysis	analysis	NOUN
fsr-3656	404	3	of	of	ADP
fsr-3656	404	4	workers	worker	NOUN
fsr-3656	404	5	compensation	compensation	NOUN
fsr-3656	404	6	laws	law	NOUN
fsr-3656	404	7	.	.	PUNCT
fsr-3656	405	1	washington	washington	PROPN
fsr-3656	405	2	,	,	PUNCT
fsr-3656	405	3	dc	dc	PROPN
fsr-3656	405	4	:	:	PUNCT
fsr-3656	405	5	u.s	u.s	PROPN
fsr-3656	405	6	.	.	PROPN
fsr-3656	405	7	chamber	chamber	PROPN
fsr-3656	405	8	of	of	ADP
fsr-3656	405	9	commerce	commerce	PROPN
fsr-3656	405	10	.	.	PUNCT
fsr-3656	406	1	zucconi	zucconi	PROPN
fsr-3656	406	2	,	,	PUNCT
fsr-3656	406	3	paul	paul	PROPN
fsr-3656	406	4	j.	j.	PROPN
fsr-3656	406	5	1987	1987	PROPN
fsr-3656	406	6	.	.	PUNCT
fsr-3656	407	1	accounting	account	VERB
fsr-3656	407	2	in	in	ADP
fsr-3656	407	3	lfe	lfe	PROPN
fsr-3656	407	4	and	and	CCONJ
fsr-3656	407	5	health	health	NOUN
fsr-3656	407	6	insurance	insurance	NOUN
fsr-3656	407	7	companies	company	NOUN
fsr-3656	407	8	.	.	PUNCT
fsr-3656	408	1	atlanta	atlanta	PROPN
fsr-3656	408	2	,	,	PUNCT
fsr-3656	408	3	ga	ga	PROPN
fsr-3656	408	4	:	:	PUNCT
fsr-3656	408	5	life	life	NOUN
fsr-3656	408	6	office	office	PROPN
fsr-3656	408	7	management	management	NOUN
fsr-3656	408	8	association	association	NOUN
fsr-3656	408	9	.	.	PUNCT