Contract design and insurance fraud: an experimental investigation

This paper experimentally examines the impact of contract design on insurance fraud. We test how fraud behavior varies for insurance contracts with full coverage, a straight deductible or claim-dependent premiums (bonus-malus contracts), in a setup where rational and selfish individuals have an incentive to always claim the maximum possible indemnity. We find a substantial impact of contractual arrangements: Deductible contracts lead to a greater extent to claim build-up than full coverage contracts. In contrast, bonus-malus contracts that entail the same net gains from fraud as deductible contracts do not increase claim build-up. Thus, our results indicate that bonus-malus contracts may be superior to deductible contracts for behavioral reasons.     

Advancing Social Capital Measurement: Using General Social Survey Cycles to Develop an Efficient Survey Instrument

The General Social Survey (GSS) has provided significant insight about the state of societies around the world through the International Social Survey Programme (ISSP). Although broadly applicable, in this study the context for developing a new social capital survey instrument covers the Canadian GSS since 1985. Questions in the GSS are often used by researchers who are interested in specific questions or themes for use in some form of re-sampling. Given significant social and relational themes, GSS cycles from 1985 to 2013 were reviewed using a social capital framework to produce a new Social Capital GSS survey instrument. A process of vetting and sorting questions led to development of a 41 question instrument that includes 16 demographic and context variables and 25 social network and trust variables. After testing and refinement, the instrument was used with a randomly sampled group across selected East Hamilton Census Tracts that are differentiated by median income and a standard deviation above and below respectively (n?=?97).     

Effects of a Mindfulness Task on Women’s Sexual Response

Mindfulness-based interventions are effective at improving symptoms of sexual dysfunction in women. The mechanisms by which mindfulness improves sexual function are less clear. The main objective of our study was to investigate the impact of a mindfulness task on sexual response in women. Forty-one women (mean age = 27.2, SD = 5.6) participated in two laboratory sessions that each included two erotic films and one attention task that were presented in counterbalanced order. Both attention tasks consisted of a six-minute audio recording of either a modified body scan, focusing on genital arousal sensations (mindfulness condition), or a visualization exercise. Subjective and genital sexual arousal were measured continuously during stimulus presentation. The mindfulness task led to greater subjective and lower genital arousal. The agreement of subjective and genital sexual arousal (i.e., concordance) was greater in the mindfulness condition. Trait mindfulness was related to lower sexual arousal but also greater sexual concordance in women. Mindfulness-based interventions that encourage women to focus on physical arousal sensations in the here and now may be associated with women’s improved sexual function by enhancing feelings of sexual arousal during sexual activity and by increasing concordance between subjective and genital sexual arousal.     

Legal Marriage,Unequal Recognition,and Mental Health Among Same‐Sex Couples

The authors examined whether the perception of unequal relationship recognition ‐ a novel couple‐level minority stressor ‐ has negative consequences for mental health among same‐sex couples. Data were analyzed from a dyadic study of 100 same‐sex couples (200 individuals) in the United States. Being in a legal marriage was associated with lower perceived unequal recognition and better mental health; being in a registered domestic partnership or civil union—but not also legally married—was associated with greater perceived unequal recognition and worse mental health. Actor partner interdependence models tested associations between legal relationship status, unequal relationship recognition, and mental health (nonspecific psychological distress, depressive symptomatology, and problematic drinking), net controls (age, gender, race and ethnicity, education, and income). Unequal recognition was consistently associated with worse mental health, independent of legal relationship status. Legal changes affecting relationship recognition should not be seen as simple remedies for addressing the mental health effects of institutionalized discrimination.     

Die Finanzialisierung von Unternehmen

Since the 1990s the financialization of the enterprise is an increasingly important aspect of capitalist development also in Germany. However, more recently a growing number of scholars point at a problematic conceptual stretching of financialization. The term has been defined too differently and ambiguously and has not been distinguished sufficiently from seemingly similar concepts. Financialization has been prematurely identified with a set of fixed effects often condensed to stagist concepts of capitalist development. When analyzing effects financialization has been regarded in isolation without considering interaction effects with other structurations of fields and hence the multi-referentiality of the enterprise. In order to overcome these shortcomings the article proposes a concept for the analysis of firm level financialization which draws on a more general sociological concept of field structuration and dynamics in which the “multi-referential enterprise” operates. Based on this concept the article analyses episodes of financialization in Germany showing its dynamics and limits. Financialization of enterprises proves to be structurally limited, institutionally contested, and unfolds its effects in deferent actor constellations at firm level due to its multiple and contradictory embeddedness.     

Initiative in work teams: adaptation and validation of the Personal Initiative at Group Level Scale / Iniciativa en los equipos de trabajo: adaptación y validación de la Escala de Iniciativa Personal a nivel Grupal

In this study, we conceptualize personal initiative as a collective construct and adapt and validate a scale to evaluate it with a sample of 308 Spanish participants belonging to 91 work teams. Personal initiative at group level is a behavioural syndrome in which the team shows an approach to work that is self-initiated, proactive, persistent, capable of modifying the atmosphere and pro organization. As a predictive variable, we analysed the climate for initiative as well as personal initiative at group level. The resulting variables that were analysed referred to organization and team performance, with the team productivity and innovation as the criteria, analysing radical innovation. The scale has suitable psychometric properties. The results show that there is a relationship between the two predictive variables. Furthermore, personal initiative at group level is related to team productivity, while the climate for initiative is related to innovation.     

Relationship building and message planning: An exploration of media challenges and strategies used during school crises at the P-12 level

Schools at the P-12 level increasingly face crises related to school shootings, violence, and other tragedies. Understanding the communication challenges schools face is paramount to assisting schools with communication before, during, and after crisis events. The current study focuses on the challenges created by media interest in such crises and the strategies implemented to overcome these challenges and provide responsible information to stakeholders. Interviews conducted with 21 school crisis teams at the P-12 level revealed that sensationalism, seeking alternative routes to information, and framing were key challenges in working with the media. In light of these challenges, administrators focused on creating media plans, building relationships with the media, being accurate but guarded, and communicating reassurance and reunification. Implications are discussed for school districts nationally.     

Career Assessment and Counseling for STEM: A Critical Review

Career counselors must continually enhance their knowledge and skills to assist clients contemplating careers in science, technology, engineering, and mathematics (STEM). Therefore, the authors review STEM disciplines and theory‐driven strategies for assisting diverse individuals to explore, enter, and persist in STEM careers. Appropriate use of career assessments can contribute greatly to this effort. To identify available measures for STEM‐focused domains and constructs, the authors conducted a journal content analysis of stand‐alone STEM‐related career assessments from 1983 to 2016, identifying 39 articles with 153 measures. Notable results included the emergence of social cognitive theory and social cognitive career theory as prevailing frameworks for instrument development, a wide variety of disciplines and journals represented, an underrepresentation of minority samples, and untapped potential for cross‐discipline and researcher–practitioner collaboration. Useful strategies and resources for counselors and recommendations for enhancing career assessments and interventions are addressed.