@article{98299,
      author       = "D’Amico, Guglielmo  and Guillén, Montserrat  and Manca,
                      Raimondo  and Xarxa de Referència en Economia Aplicada
                      (XREAP) ",
      title        = "<a
                      href="/search?f=title&p=Discrete%20time%20Non-homogeneous%20Semi-Markov%20Processes%20applied%20to%20Models%20for%20Disability%20Insurance&sc=1&ln=en">Discrete
                      time Non-homogeneous Semi-Markov Processes applied to Models
                      for Disability Insurance</a>",
      year         = "2012",
}