We explore the extent to which claim incidence in Disability Income Insurance (DII) is affected by changes in the unemployment rate in Australia. Using data from 1986 to 2001. we fit a hurdle model to explore the presence and magnitude of the effect of changes in unemployment rate on the incidence of DII claims. controlling for policy holder characteristics and seasonality. https://www.roneverhart.com/Clos-Pegase-Cabernet-Sauvignon-Hommage-Tenma-Vineyard-Napa-Valley-2014/