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Pension Coverage and Borrowing Constraints

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  • Michael A. Curme
  • William E. Even

Abstract

Using 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.

Suggested Citation

  • Michael A. Curme & William E. Even, 1995. "Pension Coverage and Borrowing Constraints," Journal of Human Resources, University of Wisconsin Press, vol. 30(4), pages 701-712.
    • Handle: RePEc:uwp:jhriss:v:30:y:1995:i:4:p:701-712
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    Citations

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    Cited by:

    1. Eric M. Engen & William G. Gale & John Karl Scholz, 1996. "The Illusory Effects of Saving Incentives on Saving," Journal of Economic Perspectives, American Economic Association, vol. 10(4), pages 113-138, Fall.
    2. Eric M. Engen & William G. Gale & John Karl Scholz, 1996. "The Effects of Tax-Based Saving Incentives On Saving and Wealth," NBER Working Papers 5759, National Bureau of Economic Research, Inc.
    3. 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.
    4. Ashok Thomas & Luca Spataro, 2013. "Pension funds and Market Efficiency: A review," Discussion Papers 2013/164, Dipartimento di Economia e Management (DEM), University of Pisa, Pisa, Italy.
    5. Suzuki Wataru & Yanfei Zhou, 2010. "Increasing National Pension Premium Defaulters and Dropouts in Japan," Gakushuin Economic Papers, Gakushuin University, Faculty of Economics, vol. 47(3), pages 181-198.
    6. Gary V. Engelhardt, 2000. "Have 401(k)s Raised Household Saving? Evidence from the Health and Retirement Study," Social and Economic Dimensions of an Aging Population Research Papers 33, McMaster University.
    7. Elena Gouskova & Ngina Chiteji & Frank Stafford, 2010. "Pension Participation: Do Parents Transmit Time Preference?," Journal of Family and Economic Issues, Springer, vol. 31(2), pages 138-150, June.
    8. 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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