Pension Coverage and Borrowing Constraints
AbstractUsing data from the 1983 Survey of Consumer Finances and taking a measure of borrowing constraint status as an indication of a worker's discount rate, we find evidence that borrowing-constrained workers are less likely to be covered by a pension plan, and that the borrowing constraint effect is significant only for defined benefit plans.
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Bibliographic InfoArticle provided by University of Wisconsin Press in its journal Journal of Human Resources.
Volume (Year): 30 (1995)
Issue (Month): 4 ()
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Web page: http://jhr.uwpress.org/
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- Robert L. Clark & Joseph F. Quinn, 1999. "Effects of Pensions on Labor Markets and Retirement," Boston College Working Papers in Economics 431, Boston College Department of Economics.
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- Thomas L. Hungerford, 2003. "U.S. Workers' Investment Decisions for Participant-Directed Defined Contribution Pension Assets," Economics Working Paper Archive wp_375, Levy Economics Institute.
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