Ethnicity and Occupational Pension Membership in the UK.
Ethnicity and Occupational Pension Membership in the UK.
复制标题
DOI：
10.1111/spol.12137
复制
发表时间：
2015-12
影响因子：
3.2
通讯作者：
Falkingham J
中科院分区：
文献类型：
--
作者：
Vlachantoni A;Feng Z;Evandrou M;Falkingham J
职业养老金反映了相对较低的基本国家养老金，历史上一直是英国养老金保护的一个关键方面。现有的研究表明，少数族裔群体不太可能从这种养恤金中受益，而且更有可能在晚年生活中面临贫困，这是他们参与劳动力市场和养恤金成员模式相互作用的结果。然而，由于缺乏关于少数族裔的充分数据，迄今为止无法对不同族裔群体进行直接比较，也无法将其与英国白色群体进行比较。本文使用英国家庭纵向研究的数据，探讨了就业模式和少数民族和白色英国人口中工作年龄个体的雇主养老金计划成员的优势比，同时考虑到以前的研究中没有使用的因素，如移民历史和就业部门（公共/私人）。这项分析提供了新的经验证据，证实族裔仍然是一个人的养恤金保护前景的一个强有力的决定因素，因为他从事有酬工作、是雇员和为提供养恤金计划的雇主工作。然而，一旦一个人为提供养恤金计划的雇主工作，族裔对该人成为该计划成员的可能性的影响就减少了，但巴基斯坦人和孟加拉国人除外，他们的差别仍然存在。这篇文章还提供了波兰个人的养老金保护的证据，这是英国相对“新”的少数群体。
Reflecting a relatively low‐value Basic State Pension, occupational pensions have historically been a key aspect of pension protection within Britain. Existing research shows that minority ethnic groups are less likely to benefit from such pensions and are more likely to face poverty in later life, as a result of the interaction of their labour market participation and pension membership patterns. However, the lack of adequate data on ethnic minorities has so far prevented the direct comparison of different ethnic groups, as well as their comparison to the White British group. Using data from the UK Household Longitudinal Study, this article explores patterns of employment and the odds ratios of membership in an employer's pension scheme among working‐age individuals from minority ethnic groups and the White British population, taking into account factors not used by previous research, such as one's migration history and sector of employment (public/private). The analysis provides new empirical evidence confirming that ethnicity remains a strong determinant of one's pension protection prospects through being in paid work, being an employee and working for an employer who offers a pension scheme. However, once an individual is working for an employer offering a pension scheme, the effect of ethnicity on that person's odds of being a member of that scheme reduces, except among Pakistani and Bangladeshi individuals for whom the differentials remain. The article also provides evidence on the pension protection of Polish individuals, a relatively ‘new’ minority group in the UK.