David P. Bernstein

Independent

No Address Available

SCHOLARLY PAPERS

52

DOWNLOADS
Rank 10,864

SSRN RANKINGS

Top 10,864

in Total Papers Downloads

4,271

CITATIONS
Rank 34,767

SSRN RANKINGS

Top 34,767

in Total Papers Citations

15

Scholarly Papers (52)

1.

Bankruptcy Reform and Foreclosures

Number of pages: 10 Posted: 08 Jul 2008
David P. Bernstein
Independent
Downloads 711 (34,705)
Citation 6

Abstract:

Loading...

personal bankruptcy, personal finances, financial institutions, consumer debt, mortgages

2.

Home Equity Loans and Private Mortgage Insurance: Recent Trends & Potential Implications

Number of pages: 11 Posted: 06 Oct 2008 Last Revised: 15 Oct 2008
David P. Bernstein
Independent
Downloads 317 (94,310)
Citation 2

Abstract:

Loading...

mortgages, private mortgage insurance, PMI, foreclosure, subprime, default

3.

A Discussion of Medicaid Eligibility Rules and Potential Reforms

Number of pages: 11 Posted: 28 Nov 2008
David P. Bernstein
Independent
Downloads 195 (154,564)

Abstract:

Loading...

Medicaid, Long Term Care, Insurance, welfare, nursing home

4.

The Impact of Murder and Accidental Death on Life Expectancy: Implications for Health Care Reform

Number of pages: 8 Posted: 02 Sep 2009
David P. Bernstein
Independent
Downloads 194 (155,309)

Abstract:

Loading...

5.
Downloads 188 (159,825)
Citation 2

Abstract:

Loading...

homeownership, migration, mobility, unemployment, under-employment duration of unemployment

6.

A Presentation: Seconds First: The Role of Second Liens in the Mortgage Crisis and Rescue

Number of pages: 18 Posted: 14 Nov 2008
David P. Bernstein
Independent
Downloads 180 (166,194)
Citation 3

Abstract:

Loading...

mortgages, foreclosure, bankruptcy, housing, financial crisis

7.

Health Limitations and the Determinants of Health Insurance Coverage

Number of pages: 15 Posted: 08 Aug 2008
David P. Bernstein
Independent
Downloads 133 (214,301)

Abstract:

Loading...

health insurance, coverage, regulation

8.

Economic Factors, Attitudes Towards Risk, and Health Insurance Coverage for Young Adults

Number of pages: 17 Posted: 15 May 2009 Last Revised: 19 Mar 2012
David P. Bernstein
Independent
Downloads 122 (228,943)
Citation 1

Abstract:

Loading...

uninsured, health insurance, risk, income, preferences

9.

Utilization of Doctors and Emergency Rooms: Implications for Health Care Reform

Number of pages: 14 Posted: 03 Aug 2009 Last Revised: 19 Mar 2012
David P. Bernstein
Independent
Downloads 118 (234,732)

Abstract:

Loading...

health insurance, income effect, inferior good, normal good, emergency rooms, physician supply, health care reform, medicaid, coverage, tobit models, logistic models

10.

Health Insurance Policy Design and Competing Objectives

Number of pages: 18 Posted: 31 Jul 2008
David P. Bernstein
Independent
Downloads 118 (234,732)

Abstract:

Loading...

health insurance, moral hazard, adverse selection, coinsurance, deductible, out-of-pocket limit

11.

Medicaid Spend Down Rules and a Health Care Reform Proposal

Number of pages: 8 Posted: 22 Jul 2008 Last Revised: 29 Apr 2010
David P. Bernstein
Independent
Downloads 112 (243,646)

Abstract:

Loading...

health insurance, coverage, reinsurance, regulation, Medicaid

12.

Credit Unions Versus Banks: Preliminary Findings

Number of pages: 8 Posted: 14 Jun 2010
David P. Bernstein
Independent
Downloads 108 (250,031)

Abstract:

Loading...

credit unions, interest rates, too-big-to-fail, banking, credit rationing

13.

Bankruptcy Code Modifications and Mortgage Markets

Number of pages: 10 Posted: 31 Oct 2008 Last Revised: 03 Dec 2008
David P. Bernstein
Independent
Downloads 104 (256,665)
Citation 1

Abstract:

Loading...

bankruptcy, foreclosure, second mortgage, predatory loan, BAPCPA, interest rate, risk, consumer credit

14.

A Note on Coordinating Defined Benefit and Defined Contribution Benefits in a Multi-Pillar Pension Plan

Number of pages: 7 Posted: 11 Sep 2008
David P. Bernstein
Independent
Downloads 91 (280,216)

Abstract:

Loading...

social security, retirement, public pensions, social security reform, labor supply, investment risk

15.

Essays on Social Security Reform and Multi-Pillar Pension Plans

Number of pages: 27 Posted: 23 Apr 2009
David P. Bernstein
Independent
Downloads 86 (290,448)

Abstract:

Loading...

Social Security, Life Cycle Investing, Multi-pillar Pension Plans, Progressive Indexation, Transition Costs, Universal Accounts

16.

Should the U.S. Congress Appropriate Funds for the Purchase of Older Vehicles?

Number of pages: 8 Posted: 04 May 2009
David P. Bernstein
Independent
Downloads 85 (292,540)

Abstract:

Loading...

environment, global warming, automobiles, cash for clunkers, vehicle buy-back, pollution Carbon monoxide, Hydrocarbons, Nitric Oxides, Carbon Dioxide

17.

Prisoner’S Dilemma and Mortgage Relief

Number of pages: 8 Posted: 31 Jul 2009
David P. Bernstein
Independent
Downloads 76 (312,747)

Abstract:

Loading...

game theory, prisoners dilemma, mortgage revision, shared appreciation mortgage, second mortgage, regulation

18.

Health Care Reform: The Impact of the Regulatory Regime and Cost Sharing

Number of pages: 30 Posted: 17 Dec 2008 Last Revised: 19 Mar 2012
David P. Bernstein
Independent
Downloads 71 (324,935)

Abstract:

Loading...

health car reform, non-group market, insurance coverage, health expenditures, regulation, cost sharing

19.

The State Child Health Insurance Program Debate: Background and Insights

Number of pages: 16 Posted: 24 Oct 2008
David P. Bernstein
Independent
Downloads 71 (324,935)

Abstract:

Loading...

health insurance, State child health insurance program, coverage, benefits, cost sharing

20.

The Use of Shared Appreciation Mortgages to Increase Demand for 15-Year Mortgages

Number of pages: 15 Posted: 16 May 2009 Last Revised: 28 Mar 2012
David P. Bernstein
Independent
Downloads 70 (327,519)

Abstract:

Loading...

mortgage, shared appreciation mortgage, capital gain, housing equity

21.

A Revised Note: What is the Appropriate Tax-Base for President-Elect Obama's High-Income Household Tax?

Number of pages: 11 Posted: 08 Nov 2008 Last Revised: 19 Mar 2012
David P. Bernstein
Independent
Downloads 64 (343,447)

Abstract:

Loading...

taxation, tax base, Social Security, marginal tax rates, tax evasion, labor force participation

22.

Factors Impacting Emergency Department Use

Number of pages: 15 Posted: 15 Oct 2008
David P. Bernstein
Independent
Downloads 63 (346,218)

Abstract:

Loading...

health insurance, demand, emergency room, health care

23.

A Short Note: Insights on the Current Unemployment Rate and the Business Cycle

Number of pages: 7 Posted: 23 Sep 2008
David P. Bernstein
Independent
Downloads 63 (346,218)

Abstract:

Loading...

unemployment rate, business cycle, recession, expansion, unemployment, lagging indicator

24.
Downloads 62 (349,029)

Abstract:

Loading...

household net worth, housing equity, survey of consumer finances, panel study of income dynamics

25.

Who Receives Offers of Employer Sponsored Health Insurance?

Number of pages: 15 Posted: 17 Jul 2008
David P. Bernstein
Independent
Downloads 58 (360,658)

Abstract:

Loading...

26.

Bankruptcy Reform and Foreclosures from the Perspective of the Taxpayer

Number of pages: 11 Posted: 06 Mar 2009
David P. Bernstein
Independent
Downloads 57 (363,768)

Abstract:

Loading...

taxes, bankruptcy, foreclosure, mortgages, credit card debt

27.

The Impact of Health Care Reinsurance on Different Cohorts

Number of pages: 17 Posted: 30 May 2009 Last Revised: 19 Mar 2012
David P. Bernstein
Independent
Downloads 55 (370,031)

Abstract:

Loading...

reinsurance, health insurance, coverage, uninsured, regulation, community rating, guarantee issue age-adjusted rating modified community rating

28.

Demographic Change and the Future of State Income Taxes

Number of pages: 22 Posted: 27 Mar 2009 Last Revised: 09 Mar 2012
David P. Bernstein
Independent
Downloads 54 (373,263)
Citation 1

Abstract:

Loading...

state taxation, population aging, demographics

29.

Statistical Note # 2: An Analysis of Insurance Coverage and Health Status for Self-Employed Working-Age Individuals

Number of pages: 4 Posted: 04 Mar 2010 Last Revised: 10 Mar 2010
David P. Bernstein
Independent
Downloads 53 (376,361)
Citation 1

Abstract:

Loading...

health insurance, health status, self-employed

30.

Measuring Portfolio Valuation

Number of pages: 17 Posted: 27 Oct 2017
David P. Bernstein
Independent
Downloads 48 (393,066)

Abstract:

Loading...

31.

How Would Health Care Reform Impact Working-Age Adults With Diabetes?

Number of pages: 14 Posted: 03 Sep 2008 Last Revised: 19 Mar 2012
David P. Bernstein
Independent
Downloads 45 (403,525)

Abstract:

Loading...

health insurance, health reform, coverage

32.

Statistical Note #1: Negative Equity and Mortgage Affordability Problems: 1985 Versus 2005

Number of pages: 5 Posted: 23 Mar 2010
David P. Bernstein
Independent
Downloads 43 (410,811)

Abstract:

Loading...

mortgages, house equity, affordability, retirement income

33.

Should Long Term Care Insurance (LTCI) Be Given Preferential Tax Treatment?

Number of pages: 13 Posted: 29 Dec 2008
David P. Bernstein
Independent
Downloads 41 (418,273)

Abstract:

Loading...

insurance, long term care insurance, retirement, 401(k)

34.

Market Crashes, Health, and Retirement

Number of pages: 21 Posted: 26 Jul 2011
David P. Bernstein
Independent
Downloads 39 (426,096)

Abstract:

Loading...

35.

Health Care Reform: High-Risk Pool Issues

Number of pages: 8 Posted: 07 Sep 2009
David P. Bernstein
Independent
Downloads 36 (438,349)

Abstract:

Loading...

36.

The Impact of Capital Gains Tax Rates on Reported Wage and Salary Income

Number of pages: 22 Posted: 01 Apr 2012
David P. Bernstein
Independent
Downloads 34 (446,679)

Abstract:

Loading...

taxes, capital gains, wages, compensation, marginal tax rates

37.

Statistical Note #1 Changes in Out-of-Pocket Expenses by Insurance Category (1999 to 2006)

Number of pages: 5 Posted: 14 Dec 2009
David P. Bernstein
Independent
Downloads 33 (450,993)
Citation 1

Abstract:

Loading...

38.

Issues Impacting the Decision to Tax Part of Employer Health Insurance Benefits

Number of pages: 6 Posted: 30 Jul 2009
David P. Bernstein
Independent
Downloads 33 (450,993)

Abstract:

Loading...

tax, health reform, employer sponsorred insurance, benefits, premiums

39.

Preliminary Results: The Impact of Low-Equity Housing Situations on Long Term Unemployment

Number of pages: 10 Posted: 23 Mar 2009 Last Revised: 19 Mar 2012
David P. Bernstein
Independent
Downloads 29 (469,674)

Abstract:

Loading...

housing, mortgages, unemployment, foreclosures, logistic model

40.

Does the Current Population Survey Overstate the Number of Uninsured Americans

Number of pages: 6 Posted: 08 Aug 2009
David P. Bernstein
Independent
Downloads 26 (485,146)

Abstract:

Loading...

Medicaid, uninsured, Current Populations Survey, Medical Expenditure Panel, Medicaid undercount

41.

A Real Estate Note: The Relationship between Market and Population-Average Mortgage Rates

Number of pages: 7 Posted: 04 Dec 2010
David P. Bernstein
Independent
Downloads 25 (490,611)

Abstract:

Loading...

Mortgage, Refinance, Interest Rate, Foreclosure

42.

Growth of Vacant Residential Space: Evidence from the American Housing Survey

Number of pages: 7 Posted: 09 Jan 2011
David P. Bernstein
Independent
Downloads 21 (513,320)

Abstract:

Loading...

43.

Down Payment Source and Home Sales: Evidence from the American Housing Survey

Number of pages: 4 Posted: 14 Dec 2010
David P. Bernstein
Independent
Downloads 20 (519,084)

Abstract:

Loading...

housing, down payment, home sales, housing demand

44.

Real Estate Notes: Aging and the Mortgage Crisis

Number of pages: 5 Posted: 22 Nov 2010
David P. Bernstein
Independent
Downloads 20 (519,084)

Abstract:

Loading...

mortgages, housing, aging, demographics

45.

A Presentation: Issues Pertaining to Part-Year and Full-Year Health Insurance Coverage Gaps

Number of pages: 12 Posted: 23 Apr 2009 Last Revised: 19 Mar 2012
David P. Bernstein
Independent
Downloads 20 (519,084)

Abstract:

Loading...

health insurance, uninsured, health status, family income, coverage

46.

Part-Time Employment and Employer Sponsored Insurance (ESI) Coverage

Number of pages: 10 Posted: 03 Oct 2012
David P. Bernstein
Independent
Downloads 19 (524,972)

Abstract:

Loading...

employer sponsored insurance, underemployment, part-time employment, offer rate, take-up rate

47.

A Note on the Use of Estate Taxes and Payout Restrictions to Fund Multi-Pillar Pension Guarantees

Number of pages: 18 Posted: 21 Aug 2009
David P. Bernstein
Independent
Downloads 16 (542,351)

Abstract:

Loading...

Social Security, multi-pillar pension plans, defined benefit plans, defined contribution plans, estate taxes, guarantees

48.

Household Debt and IRAs: Evidence from the Survey of Consumer Finances

Journal of Financial Counseling and Planning, Vol. 15, No. 1, 2004
Posted: 04 May 2013
David P. Bernstein
Independent
Downloads 12 (566,533)

Abstract:

Loading...

Saving, Low income households

49.

Statistical Note # 3: Insurance Coverage Trends for Four Types of Health Care Services (1997 to 2007)

Number of pages: 5 Posted: 06 Mar 2010
David P. Bernstein
Independent
Downloads 12 (566,533)

Abstract:

Loading...

health insurance, hospitals, physicians, medical utilization

50.

A Centrist Health Care Plan

Number of pages: 19 Posted: 09 Oct 2018
David P. Bernstein
Independent
Downloads 10 (578,979)

Abstract:

Loading...

51.

How Does Diabetes Influence the Impact of Aging on the Probability of Employment?

Number of pages: 10 Posted: 18 Apr 2018
David P. Bernstein
Independent
Downloads 10 (578,979)

Abstract:

Loading...

Diabetes, Health, Social Security

52.

Tax Competition in an Aging Society

Posted: 27 Mar 2009 Last Revised: 19 Mar 2012
David P. Bernstein
Independent

Abstract:

Loading...

states, population aging, taxation, capital gains, dividends, income taxes