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State Wage-Payment Laws, the Pension Protection Act of 2006, and 401(k) Saving Behavior


  • Gary V. Engelhardt


State wage-payment laws, which forbid deductions from wages and salaries without the written permission of the employee, constituted a binding constraint on firms’ choices to adopt automatic enrollment in 401(k) plans prior to 2006. Since the passage of the Pension Protection Act of 2006, which clarified the legality of auto-enroll plans and superseded these state laws, 401(k) participation has been higher in states that previously required written permission.

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  • Gary V. Engelhardt, 2010. "State Wage-Payment Laws, the Pension Protection Act of 2006, and 401(k) Saving Behavior," Working Papers, Center for Retirement Research at Boston College wp2010-13, Center for Retirement Research, revised Nov 2010.
  • Handle: RePEc:crr:crrwps:wp2010-13

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    References listed on IDEAS

    1. Bosworth, Barry & Burtless, Gary, 2004. "Pension Reform and Saving," National Tax Journal, National Tax Association, vol. 57(3), pages 703-727, September.
    2. Milton H. Marquis, 2002. "What's behind the low U.S. personal saving rate?," FRBSF Economic Letter, Federal Reserve Bank of San Francisco, issue mar29.
    3. Heinz Stapf-Finé & Martin Rein, 2001. "Income Packaging and Economic Well-Being at the Income Last Stage of the Working Career," LIS Working papers 270, LIS Cross-National Data Center in Luxembourg.
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