The role of health insurance in joint retirement among married couples

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Title: The role of health insurance in joint retirement among married couples
Authors: Kapur, Kanika
Rogowski, Jeannette
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Date: Nov-2006
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.
Funding Details: Employee Benefits Security Administration, Department of Labor, contract number J-9-P-7-0045
Type of material: Working Paper
Publisher: University College Dublin. School of Economics
Series/Report no.: UCD Centre for Economic Research Working Paper Series; WP06/14
Copyright (published version): UCD School of Economics 2006
Keywords: RetirementHealth insurance
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Language: en
Status of Item: Not peer reviewed
Appears in Collections:Economics Working Papers & Policy Papers

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