Download or read book The Erosion of Retiree Health Benefits and Retirement Behavior written by Paul Fronstin and published by . This book was released on 2015 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: The effects of retiree health insurance on the decision to retire have not been examined until recently. It is an area of increasing significance because of rising health care costs for retirees, the uncertain future of Medicare, and increased life expectancy. In general, studies suggest that individual retirement decisions are strongly responsive to the availability of retiree health insurance. Early retiree benefits and retirement behavior are also important because they may affect the Social Security Disability Insurance (DI) program. It is not apparent that if a person loses retiree health benefits, or if fewer people are eligible for retiree health benefits in general, claims for DI will increase. The potential 2-year loss of health benefits may be a deterrent to leaving the labor force and claiming DI, although persons who are unable to work would leave the labor force even without health benefits. In order to understand how the decline in retiree health benefits may affect enrollment in DI, analysts must at least incorporate the role of coverage under the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA). That act provides many people with access to health insurance during the 2-year gap between eligibility for DI and Medicare. In fact, persons with sufficient means to retire early could use the income from Disability Insurance to buy COBRA coverage during the first 2 years of DI coverage. Determining the effect of the erosion of retiree health benefits on DI must account properly for the role of other factors that affect DI eligibility and participation. The financial incentives of Social Security, pension plans, retirement savings programs, health status, the availability of health insurance, and other factors influencing retirement decisions must be taken fully into account in order to isolate the precise effect of retiree health benefits.
Download or read book Assessing Knowledge of Retirement Behavior written by National Research Council and published by National Academies Press. This book was released on 1996-08-30 with total page 288 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book brings together in one volume what researchers have learned about workers, employers, and retirees that is important for formulating retirement income policies. As the U.S. population ages, there is increasing uncertainty about the solvency of the Social Security and Medicare systems and the adequacy of private pensions to provide for people's retirement needs. The volume covers such critical behaviors as workers' decisions to retire, people's choices of saving over consumption, and employers' decisions about hiring older workers and providing pension and health care benefits. Also covered are trends in mortality, health status, and health care costs that are key to projecting the likely costs and effects of alternative retirement income security policies and a strategy for combining data and research knowledge into a policy modeling framework.
Download or read book Retiree Health Benefits and Retirement Behavior written by Lynn A. Karoly and published by . This book was released on 1999 with total page 29 pages. Available in PDF, EPUB and Kindle. Book excerpt: The near elderly are a vulnerable population group, with expected high medical expenditures. Unless blind or disabled, they do not qualify for public insurance (Medicare or Medicaid), and options for purchase of health insurance in private individual markets are equally restricted. Preexisting conditions may be excluded, and some persons in poor health are not insurable at all. For those who are insurable, premium costs in individual markets may be prohibitively high. Older workers contemplating early retirement must therefore rely primarily on employment-based health insurance until they are eligible for Medicare. This study considers how older workers' retirement behavior is affected by access to employment-based health insurance policy initiatives, including continuation and portability mandates and changes in the way firms must account for retiree health benefits in earnings statements. A discussion of the effects of other policy changes is also provided to create a framework in which future policy options may be evaluated.
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 Retiree Health Insurance written by United States Accounting Office (GAO) and published by Createspace Independent Publishing Platform. This book was released on 2018-06-14 with total page 34 pages. Available in PDF, EPUB and Kindle. Book excerpt: Retiree Health Insurance: Erosion in Retiree Health Benefits Offered by Large Employers
Download or read book Social Security Bulletin written by and published by . This book was released on 2000 with total page 474 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Explorations in the Economics of Aging written by David A. Wise and published by University of Chicago Press. This book was released on 2011-05 with total page 401 pages. Available in PDF, EPUB and Kindle. Book excerpt: "This is the thirteenth in a series of NBER volumes on the Economics of Aging"--Introduction.
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 Health at Older Ages written by David M. Cutler and published by University of Chicago Press. This book was released on 2009-05-15 with total page 508 pages. Available in PDF, EPUB and Kindle. Book excerpt: Americans are living longer—and staying healthier longer—than ever before. Despite the rapid disappearance of pensions and health care benefits for retirees, older people are healthier and better off than they were twenty years ago. In Health at Older Ages, a distinguished team of economists analyzes the foundations of disability decline, quantifies this phenomenon in economic terms, and proposes what might be done to accelerate future improvements in the health of our most elderly populations. This breakthrough volume argues that educational attainment, high socioeconomic status, an older retirement age, and accessible medical care have improved the health and quality of life of seniors. Along the way, it outlines the economic benefits of disability decline, such as an increased rate of seniors in the workplace, relief for the healthcare system and care-giving families, and reduced medical expenses for the elderly themselves. Health at Older Ages will be an essential contribution to the debate about meeting the medical needs of an aging nation.
Download or read book Financial Capability and Asset Holding in Later Life written by Nancy Morrow-Howell and published by Oxford University Press. This book was released on 2014-12-29 with total page 281 pages. Available in PDF, EPUB and Kindle. Book excerpt: With today's availability of Social Security and Medicare, we typically think of the older years as a stage in life where people are supported financially. However, of the more than 40 million old adults currently living in the US, many are struggling financially living below or near the poverty line. They are lacking the assets necessary to see them through a period of life that is often longer than expected and that requires more health and long-term care. While financial vulnerability can be most pronounced in old age, it is often created across decades, revealing itself in later years when there is little opportunity to reverse a lifetime of disadvantage. The concept of Financial Capability refers to both an individual and structural idea that combines a person's ability to act with their opportunity to act in their best financial interests. In Financial Capability and Asset Holding in Later Life: A Life Course Perspective the concept of Financial Capability is used to underscore the importance of acquiring knowledge and skills while addressing policies and services than can build financial security. The volume assembles the latest evidence on financial capability and assets among older adults using a life course perspective, arguing that older adults need financial knowledge and financial services in order to build secure lives, and that this process needs to begin before it is too late to make effective changes and choices. Broken into three parts, the book's chapters - written by leading experts in the field - blend together empirical findings, economic and social theory, and case studies. Part 1 opens the book with a conceptual and empirical overview of financial capability and assets among older adults using a life course perspective. Part 2 presents chapters addressing financial vulnerability of diverse racial and ethnic groups, people with disabilities, and immigrants. Part 3 includes chapters describing current policies, programs, and innovations, including a review of important issues of working and caregiving in later life, and a detailed assessment of "age-friendly" banking principles, banking products, services, and policies.
Download or read book Health Insurance Coverage in Retirement written by Christian E. Weller and published by . This book was released on 2004 with total page 76 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Human Behavior in the Social Environment written by Esther Urdang and published by Routledge. This book was released on 2009-06-02 with total page 728 pages. Available in PDF, EPUB and Kindle. Book excerpt: This new and updated edition of the vital human behavior textbook for graduate-level social work students emphasizes the biopsychosocial framework with a psychodynamic and developmental perspective, with updated information on contemporary thinking and the application of postmodern theory. Written from the perspective of a classroom teacher, faculty advisor, and clinician, Human Behavior in the Social Environment discusses current social issues such as older people, violence, and abuse. The book approaches development through the life cycle, discussing the developmental challenges, tasks, and problems of each stage. Presenting complex concepts in a clear and understandable way, it also examines and integrates systems and organizational factors, as well as the impact of culture on clients and treatment programs. A helpful instructor's manual accompanies this text, and is available as a free download from http://www.routledge.com/9780789034182. Human Behavior in the Social Environment looks at: the biopsychosocial perspective psychoanalytic and ego psychology theories object relations, self psychology, and cognitive-behavioral theories postmodern theories: constructivism, relational therapy, narrative theory, and resilience social systems in the community culture and diversity forms and organizations of the family internal family structures and special family problems reproductive issues, infancy, and early childhood development, middle childhood and adolescence adult development life transitions, turning points, crises, and loss illness and disability; mental health problems and much more! With case vignettes, chapter-by-chapter learning exercises, and additional readings, as well as material from literary works, biographies, and newspapers, this copiously-referenced volume illustrates the complexities of human existence, the multiple social conflicts operating in society, and the relevance of social policy dilemmas. While especially designed to benefit and enlighten graduate social work students it is also a valuable resource for undergraduate social work students as well as beginning and advanced readers in human services such as nursing, medicine, public health, clinical psychology, counseling, who will find this both a helpful review and source of new knowledge.
Download or read book Index Medicus written by and published by . This book was released on 2002 with total page 1612 pages. Available in PDF, EPUB and Kindle. Book excerpt: Vols. for 1963- include as pt. 2 of the Jan. issue: Medical subject headings.
Download or read book Private Pension and Retiree Health Benefits written by United States. Congress. House. Select Committee on Aging. Subcommittee on Retirement Income and Employment and published by . This book was released on 1990 with total page 272 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Government Spending on the Elderly written by D. Papadimitriou and published by Springer. This book was released on 2007-09-20 with total page 424 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book examines the aging of the US population as a primary domestic public policy issue. An increase in the proportion of the elderly in the total population will potentially result in a significant growth in the number of beneficiaries in major federal entitlement programs, leading to fiscal pressures and challenges for economic growth.
Download or read book The Oxford Handbook of Retirement written by Mo Wang and published by Oxford University Press. This book was released on 2013 with total page 660 pages. Available in PDF, EPUB and Kindle. Book excerpt: This handbook reviews existing theoretical perspectives and research findings on retirement, explores current and future challenges in retirement research and practice, and provides corresponding recommendations and suggestions.
Download or read book EBRI Issue Brief written by and published by . This book was released on 2005 with total page 356 pages. Available in PDF, EPUB and Kindle. Book excerpt:
