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The Role of Health Insurance in Joint Retirement among Married Couples

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Author Info
Kanika Kapur
Jeannette Rogowski

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Abstract

Because the near-elderly have high expected medical expenditures, availability of health insurance is an important factor in their retirement decisions. Using Health and Retirement Study data collected in 1992-2002, the authors of this study specifically investigate whether access to employer-provided retiree health insurance for early retirement enabled dual working couples to time their retirement together-a behavior called "joint retirement." They find that when wives had employer-provided retiree health insurance, the likelihood of joint retirement more than doubled. The effect of retiree health insurance on overall employment patterns, in contrast, was modest: estimates indicate that a hypothetical change from universal availability of such insurance to its universal unavailability would have increased employment levels by only two percentage points.

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File URL: http://digitalcommons.ilr.cornell.edu/ilrreview/vol60/iss3/5
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Publisher Info
Article provided by ILR Review, ILR School, Cornell University in its journal ILR Review.

Volume (Year): 60 (2007)
Issue (Month): 3 (April)
Pages: 397-407
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Handle: RePEc:ilr:articl:v:60:y:2007:i:3:p:397-407

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References listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
  1. Michael D. Hurd, 1990. "The Joint Retirement Decision of Husbands and Wives," NBER Chapters, in: Issues in the Economics of Aging, pages 231-258 National Bureau of Economic Research, Inc. [Downloadable!]
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  2. Courtney Coile, 2004. "Retirement Incentives and Couples' Retirement Decisions," The B.E. Journal of Economic Analysis & Policy, Berkeley Electronic Press, vol. 0(1). [Downloadable!]
  3. Donna B. Gilleskie & David M. Blau, 2006. "Health insurance and retirement of married couples," Journal of Applied Econometrics, John Wiley & Sons, Ltd., vol. 21(7), pages 935-953. [Downloadable!]
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This page was last updated on 2009-12-14.

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