Download or read book Providing Health Care Benefits in Retirement written by Judith F. Mazo and published by University of Pennsylvania Press. This book was released on 1994 with total page 288 pages. Available in PDF, EPUB and Kindle. Book excerpt: This volume, from the Pension Research Council of the Wharton School, highlights many of the special health insurance problems facing the elderly and some of the solutions that any reform process must consider.

Download or read book Employer sponsored Retiree Health Insurance written by United States. Congress. House. Committee on Ways and Means. Subcommittee on Oversight and published by . This book was released on 1990 with total page 128 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Retiree Health Benefits written by United States. General Accounting Office and published by . This book was released on 2001 with total page 48 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Employer sponsored Retiree Health Insurance written by United States. Congress. House. Committee on Ways and Means. Subcommittee on Oversight and published by . This book was released on 1989 with total page 188 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Present Law and Issues Relating to Employer provided Retiree Health Insurance written by and published by . This book was released on 1989 with total page 40 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Retiree health benefits employersponsored benefits may be vulnerable to further erosion written by and published by DIANE Publishing. This book was released on 2001 with total page 42 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Employer Sponsored Health Insurance for Early Retirees written by Erin Strumpf and published by . This book was released on 2011 with total page 43 pages. Available in PDF, EPUB and Kindle. Book excerpt: The proportion of large employers offering retiree health insurance in the U.S. has declined by half in the past 20 years. This paper examines the potential implications of this change by estimating the effects of a retiree health insurance (RHI) offer on a comprehensive set of labor, health and health care use outcomes in the near-elderly population. The analysis is based on ten years of longitudinal data from the Health and Retirement Survey (1992-2002). After restricting to respondents who have employer-sponsored health insurance at baseline, I find that an RHI offer increases the probability of early retirement by 35 percent for both men and women. An RHI offer decreases the probability of being uninsured by 55 percent, while increasing the probability of employer-sponsored coverage and decreasing the probability of public coverage. There is suggestive evidence that individuals with an RHI offer are more likely to visit the doctor, use prescription drugs on a regular basis and have outpatient surgery. While we see no significant effect on health, RHI provides significant protection from high out-of-pocket medical costs. In the top 40 percent of the out-of-pocket spending distribution, those with an offer of retiree coverage spend 21 percent less on average.Estimates of the value of RHI of over $3,000 per year suggest that increasing opportunities for the near-elderly to purchase coverage at actuarially-fair prices through the individual market or public programs could significantly increase insurance coverage and reduce financial risk for this age group.

Download or read book Employersponsored health and retirement benefits efforts to control employer costs and the implications for workers report written by and published by DIANE Publishing. This book was released on with total page 110 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Employer Sponsored Health and Retirement Benefits written by Barbara Bovbjerg and published by DIANE Publishing. This book was released on 2007-12 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt: Many U.S. workers receive health & pension benefits from employers, & the cost of these benefits represents a growing share of workers¿ total compensation. Employers have made changes to control these rising costs, contending that these changes will allow them to remain competitive in an increasingly global market. This report examines the practices employers are using to control the costs of benefits. To evaluate changing employer benefit practices & their implications, the author examined: (1) current & emerging practices employers are using to control the costs of health care benefits, & retirement benefits; & (2) employers¿ workforce restructuring changes. Charts & tables.

Download or read book Overview of Present Law Proposals and Issues Relating to Employer provided Retiree Health Insurance written by United States. Congress. Joint Committee on Taxation and published by . This book was released on 1988 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Private Health Insurance written by and published by . This book was released on 1998 with total page 124 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Retiree Health Plans written by United States. General Accounting Office and published by . This book was released on 1993 with total page 42 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Employee Benefits written by United States. General Accounting Office and published by . This book was released on 1990 with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Employer Provided Health Insurance and Retirement Behavior written by Alan L. Gustman and published by . This book was released on 1993 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper analyzes the effects on retirement of employer provided health benefits to workers and retirees. Retiree health benefits delay retirement until age of eligibility, and then accelerate it. With a base case of no retiree health coverage, granting retiree health coverage to all those with employer coverage while working accelerates retirement age by less than one month. Valuing benefits at costs of private health insurance to unaffiliated individuals, rather than at group rates, increases the effect. Ignoring retiree health benefits in retirement models creates only a small bias. Changing health insurance policies has a small effect on retirement.

Download or read book Health Insurance Coverage for Retirees written by and published by . This book was released on 2006 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Many retirees depend on their former employer for retirement health insurance, either as their sole source of coverage for those under 65 or as a supplement to their Medicare coverage once reaching age 65. However, the future of these benefits is uncertain. With the retirement of the baby boom generation looming ahead, employers offering coverage to their retired workers will face a huge future financial commitment. For this reason, many employers are re-examining their commitment to providing retiree health benefits. Some employers have already reduced or eliminated health insurance coverage for their retirees. Further, among employers who provide health insurance for current retirees, their current workers are less likely to be guaranteed these benefits upon retirement. An important feature of employer-sponsored health insurance, for retirees and current employees, is that it is voluntary -- employers are not required to offer health insurance. Additionally, there are few protections to prevent employers from cutting or eliminating benefits, unless the employer has made a specific promise to maintain the benefits or has a contractual agreement with either the employee or a labor group. As a result, even among retirees who currently have employer-sponsored retiree health insurance, benefits are eroding as employers shift costs to retirees by increasing premiums, copayments or deductibles. For companies in bankruptcy, retiree health benefits are particularly vulnerable. Unlike defined benefit pensions that offer some protections for employees of companies in bankruptcy through the Pension Benefits Guaranty Corporation, there are no similar protections for retiree health benefits. There are a wide variety of policy options currently being discussed that endeavor to make retiree coverage more available or affordable, or even to require that employers maintain coverage. However, when considering any option, it is also essential to consider the relationship between retirees' health insurance and insurance for current workers. The concept of special treatment aimed solely at protecting the retiree population, without an equivalent treatment for current workers, could lead to inequitable outcomes. Thus, any statutory requirement providing retirees with health insurance coverage should be examined in the broader context of all employersponsored coverage. This report will be updated to reflect legislative activity.

Download or read book Financing Retiree Health Benefits written by United States. Congress. House. Select Committee on Aging and published by . This book was released on 1988 with total page 120 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Download or read book Access to Adequate Health Insurance written by United States. Congress. Senate. Special Committee on Aging and published by . This book was released on 2004 with total page 116 pages. Available in PDF, EPUB and Kindle. Book excerpt: