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Love or money? : health insurance and retirement among married couples

Author: Kanika Kapur; Jeannette A Rogowski; National Bureau of Economic Research.
Publisher: Cambridge, Mass. : National Bureau of Economic Research, 2006.
Series: Working paper series (National Bureau of Economic Research), no. 12273.
Edition/Format:   eBook : Document : EnglishView all editions and formats
Summary:
This paper examines the role of employer provided health insurance in the retirement decisions of dual working couples. The near elderly have high-expected medical expenditures; therefore, availability of health insurance is an important factor in their retirement decisions. We determine if access to retiree health insurance for early retirement enables couples to time their retirement together -- a behavior called  Read more...
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Material Type: Document, Internet resource
Document Type: Internet Resource, Computer File
All Authors / Contributors: Kanika Kapur; Jeannette A Rogowski; National Bureau of Economic Research.
OCLC Number: 69862209
Description: 1 online resource (1 volume).
Series Title: Working paper series (National Bureau of Economic Research), no. 12273.
Responsibility: Kanika Kapur, Jeannette Rogowski.

Abstract:

This paper examines the role of employer provided health insurance in the retirement decisions of dual working couples. The near elderly have high-expected medical expenditures; therefore, availability of health insurance is an important factor in their retirement decisions. We determine if access to retiree health insurance for early retirement enables couples to time their retirement together -- a behavior called "joint retirement." We find that wives' retiree health insurance more than doubles the propensity to retire jointly, suggesting that health insurance is an important consideration in coordinating retirement decisions among couples. Even though retiree health insurance has a substantial effect on joint retirement, its effect on overall employment patterns is modest, accounting for a 2 percentage point fall in employment.

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