The labor supply response to critical aspects of the Social Security program depends on whether behavior is "myopic" (conditioned by current benefits only) or "far-sighted" (conditioned by the entire future benefit stream). This behavior reflects ...

We use information from Social Security earnings records to examine the accuracy of survey responses regarding participation in tax-deferred pension plans. As employer-provided defined benefit pensions are replaced by voluntary contribution plans, employees’ understanding of the link between...

This paper examines the implications of an aging labor force and its changing composition for worker demand for employer-sponsored benefits. We estimate age- and gender-specific probabilities of participation among workers offered 401(k) plans, health insurance, and short- and long-term...

The relationship between job loss and age is examined using CPS Displaced Worker Supplements from 1984-1998. Job loss rates of full-time workers aged 25-39 and 45-59 are compared by gender and, within gender, by education, occupation, and industry. Differences-in-differences and regression...

There is considerable evidence that minorities are less likely than whites to be covered under employment-based health insurance. In 2001, rates of Hispanic full-time workers were 21 and 15 percentage points lower than those of non-Hispanic white men and women. For policy purposes, understanding...

Demand for employment-based insurance is typically treated as an individual rather than a household decision. Dual-earner households are now the modal U.S. married household, however, and most firms offer family coverage as an option available to employees. Findings from a model estimating...

The labor supply response to critical aspects of the Social Security program depends on whether behavior is "myopic" (conditioned by current benefits only) or "far-sighted" (conditioned by the entire future benefit stream). This behavior reflects attitudes toward risk and ability to borrow, as...

The decline in health insurance coverage over the last two decades is a matter of national concern. The vast majority of insured individuals under age 65 obtain this coverage from their employer or as a dependent of a family member with group-sponsored health insurance. Recent evidence suggests...