EMPLOYER-PROVIDED HEALTH-INSURANCE AND RETIREMENT BEHAVIOR
EMPLOYER-PROVIDED HEALTH-INSURANCE AND RETIREMENT BEHAVIOR
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DOI：
10.2307/2524630
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发表时间：
1994-10-01
期刊：
影响因子：
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通讯作者：
STEINMEIER, TL
中科院分区：
文献类型：
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作者：
GUSTMAN, AL;STEINMEIER, TL
作者使用1969-79年退休历史研究、1977年全国医疗保健支出调查、1983-86年消费者财务调查和1988年当前人口调查的数据，用结构性退休模型分析了雇主提供的健康福利对退休的影响。 他们发现，这些福利往往会将退休年龄推迟到符合条件的年龄，之后又会加速退休。净效应很小：雇主提供的医疗福利仅将男性退休年龄降低了约1.3个月。 以私人医疗保险的价格来评估健康福利，而不是以雇主的成本来评估，会增加效果。 在退休模型中忽略退休人员的健康福利只会产生很小的偏差。
Using data from the 1969-79 Retirement History Study, the 1977 National Medical Care Expenditure Survey, the 1983-86 Survey of Consumer Finances, and the 1988 Current Population Survey, the authors analyze, with a structural retirement model, the effect on retirement of employer-provided health benefits. Such benefits, they find, tend to delay retirement until the age of eligibility and afterward to accelerate it. The net effect is small: employer-provided health benefits lowered male retirement age by only about 1.3 months. Valuing health benefits at the price of private health insurance to unaffiliated men, rather than at the cost to employers, increases the effect. Ignoring retiree health benefits in retirement models creates only a small bias.