Health Insurance Coverage In Retirement
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Health Insurance Coverage In Retirement
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Author : Christian E. Weller
language : en
Publisher:
Release Date : 2004
Health Insurance Coverage In Retirement written by Christian E. Weller and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2004 with Health insurance categories.
Health Insurance And Early Retirement
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Author : Jonathan Gruber
language : en
Publisher:
Release Date : 1993
Health Insurance And Early Retirement written by Jonathan Gruber and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1993 with Health insurance categories.
Although the vast majority of working individuals aged 55-64 receive health insurance coverage through their employment, many of these individuals face the prospect of losing such coverage should they retire before becoming eligible for guaranteed public coverage through Medicare at age 65. Because the expected medical expenses of this group are large and uncertain, the availability of health insurance coverage after retirement could be a key factor in the retirement decision of older workers. We examine the effect of health insurance on retirement by looking at variation in state and federal 'continuation of coverage' mandates, laws which allow individuals to continue purchasing health insurance through a previous employer for a specified number of months after leaving the firm. By allowing individuals to maintain their employer-provided health insurance after retirement, these laws decrease the cost of early retirement for those who do not have other retiree health insurance available. Using data on 55-64 year old men from the Current Population Survey, we find that one year of continuation benefits increases the probability of being retired by 1 percentage point; this represents a 5.4 percent increase in the baseline probability of being retired for this group. We also find that continuation mandates increase the likelihood of being insured after retirement.
The End Of Employer Provided Health Insurance
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Author : Paul Zane Pilzer
language : en
Publisher: John Wiley & Sons
Release Date : 2014-11-06
The End Of Employer Provided Health Insurance written by Paul Zane Pilzer and has been published by John Wiley & Sons this book supported file pdf, txt, epub, kindle and other format this book has been release on 2014-11-06 with Business & Economics categories.
How to save 20 to 60 percent on health insurance! The End of Employer-Provided Health Insurance is a comprehensive guide to utilizing new individual health plans to save 20 to 60 percent on health insurance. This book is written to ensure that you, your family, and your company get your fair share of the trillions of dollars the U.S. government will spend subsidizing individual health insurance plans between now and 2025. You will learn how to navigate the Affordable Care Act to save money without sacrificing coverage, and how to choose the plan that offers exactly what you, your family and your company need. Over the next 10 years, 100 million Americans will move from employer-provided to individually purchased health insurance. The purpose of The End of Employer-Provided Health Insurance is to show you how to profit from this paradigm shift while helping you, your family, and your employees get better and safer health insurance at lower cost. It will help you save thousands of dollars per person each year and protect you from the greatest threat to your financial future—our nation's broken employer-provided health insurance system. We are at the beginning of a paradigm shift in the way businesses offer employee health benefits and the way Americans get health insurance—a shift from an employer-driven defined benefit model to an individual-driven defined contribution model. This parallels a similar shift in employer-provided retirement benefits that took place two to three decades ago from defined benefit to defined contribution retirement plans. Written by a world-renowned economist and New York Times best-selling author, this insightful guide explains how individual health insurance offers more to employees than employer-provided plans. Using the techniques outlined in this book, you and your employer will save money on health insurance by migrating from employer-provided health insurance coverage to employer-funded individual plans at a total cost that is 20 percent to 60 percent lower for the same coverage. That's $4,000 to $12,000 in savings per year for a family of four for the same hospitals, same doctors, and same prescriptions.
Providing Health Care Benefits In Retirement
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Author : Judith F. Mazo
language : en
Publisher: University of Pennsylvania Press
Release Date : 1994
Providing Health Care Benefits In Retirement written by Judith F. Mazo and has been published by University of Pennsylvania Press this book supported file pdf, txt, epub, kindle and other format this book has been release on 1994 with Health insurance categories.
This volume, from the Pension Research Council of the Wharton School, highlights many of the special health insurance problems facing the elderly and some of the solutions that any reform process must consider.
Retiree Health Plans In The Public Sector
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Author : Robert L. Clark
language : en
Publisher: Edward Elgar Publishing
Release Date : 2010-01-01
Retiree Health Plans In The Public Sector written by Robert L. Clark and has been published by Edward Elgar Publishing this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010-01-01 with Political Science categories.
While retiree health plans are a dying benefit in the private sector, all US states and many local governments extend health insurance coverage to their retired employees. This book is the first to thoroughly examine public sector health insurance plans. Retiree Health Plans in the Public Sector provides a detailed description of the current plans offered and compares how they vary across states. Health insurance is an important component of compensation in the public sector as it helps governments attract and retain quality workers and encourages timely retirement for career employees. Rapidly rising medical costs, an aging labor force, and an increasing number of retirees have dramatically increased the cost of providing this benefit. A central theme of this analysis is a presentation of the actuarial accrued liabilities, the unfunded liabilities and the annual required contribution of the employers based on the actuarial statements for retiree health plans. The authors alsoinvestigate why some states face major funding problems while the costs of other states? plans are much more manageable. Extensively researched and well-suited for classroom and professional use alike, academics in the fields of economics and public policy will find this an unmatched resource. So too will policymakers, economists, legislators, public sector union leaders and those invested in public sector healthcare.
Employer Provided Health Insurance And Retirement Behavior
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Author : Alan L. Gustman
language : en
Publisher:
Release Date : 1993
Employer Provided Health Insurance And Retirement Behavior written by Alan L. Gustman and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1993 with Employee fringe benefits categories.
This paper analyzes the effects on retirement of employer provided health benefits to workers and retirees. Retiree health benefits delay retirement until age of eligibility, and then accelerate it. With a base case of no retiree health coverage, granting retiree health coverage to all those with employer coverage while working accelerates retirement age by less than one month. Valuing benefits at costs of private health insurance to unaffiliated individuals, rather than at group rates, increases the effect. Ignoring retiree health benefits in retirement models creates only a small bias. Changing health insurance policies has a small effect on retirement.
Social Security Handbook On Retirement Insurance Survivors Insurance Disability Insurance Health Insurance For The Aged
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Author :
language : en
Publisher:
Release Date : 1960
Social Security Handbook On Retirement Insurance Survivors Insurance Disability Insurance Health Insurance For The Aged written by and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1960 with Social security categories.
The Effects Of Health Insurance And Self Insurance On Retirement Behavior
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Author : Eric French
language : en
Publisher:
Release Date : 2001
The Effects Of Health Insurance And Self Insurance On Retirement Behavior written by Eric French and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 2001 with Health insurance categories.
Retirement Financing
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Author : United States. Congress. House. Committee on Post Office and Civil Service. Subcommittee on Retirement, Insurance, and Health Benefits
language : en
Publisher:
Release Date : 1969
Retirement Financing written by United States. Congress. House. Committee on Post Office and Civil Service. Subcommittee on Retirement, Insurance, and Health Benefits and has been published by this book supported file pdf, txt, epub, kindle and other format this book has been release on 1969 with United States categories.
Benefits And Beyond
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Author : Thomas E. Murphy
language : en
Publisher: SAGE
Release Date : 2010
Benefits And Beyond written by Thomas E. Murphy and has been published by SAGE this book supported file pdf, txt, epub, kindle and other format this book has been release on 2010 with Business & Economics categories.
Written for students of benefit design and policy, human resources and employee compensation, this book explains the basics of labor economics, human resource strategies, tax policies, metrics and actuarial science. Murphy (law and economics, Miami U., Ohio) uses case studies and examples for illustrating the proper strategies for benefit design including publicly funded retirement plans, health care programs, life insurance, equity benefits and disability plans. This text also compares benefit policy in Europe, the United States and the Pacific Rim for students who wish to practice human resources on an international level. Annotation ©2009 Book News, Inc., Portland, OR (booknews.com).