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Do Debts Lead to Disability Pension? Evidence From a 15-Year Follow-Up of 54,000 Finnish Men and Women

Julkaistu 21.11.2016


While over-indebtedness has emerged as a new social risk among Europeans as a consequence of economic recessions, its associations with health and disability are poorly understood. This study utilises longitudinal, register-based data to assess the associations of over-indebtedness with disability retirement. Severely over-indebted people were identified from the Finnish credit information register. For each over-indebted person, one matched control was retrieved from the population register (total N: 54,494). Register data on socio-demographics, health-related factors and pensions were used to analyse the incidence of disability pensions due to different diagnoses among over-indebted people and their controls during the period 1995-2009 using Cox regression analysis. The analyses showed that over-indebtedness was strongly associated with the risk of disability retirement in all diagnostic groups. The associations were stronger among women than among men. The adverse effects of over-indebtedness on health and disability should be acknowledged. In addition to standard socio-demographic indicators, debtor status may add to our knowledge of the predictors of poor health. Policymakers should adopt measures to prevent over-indebtedness and to overcome its harmful effects.

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Jenni Blomgren, Nico Maunula, Heikki Hiilamo

Lisätietoja julkaisusta

  • Vertaisarvioitu: kyllä.
  • Avoin saatavuus: ei.
  • Koko viite: Blomgren, J., Maunula, N., & Hiilamo, H. (2017). Do debts lead to disability pension? Evidence from a 15-year follow-up of 54,000 finnish men and women. Journal of European Social Policy, 27(2), 109-122.

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