Richard V. Burkhauser, J. S. Butler, Yang-Woo Kim, Robert R. Weathers II, The Importance of Accommodation on the Timing of Disability Insurance Applications: Results from the Survey of Disability and Work and the Health and Retirement Study, The Journal of Human Resources, Vol. 34, No. 3 (Summer, 1999), pp. 589-611
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Burkhauser et al. (1999) studied this question.
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