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Pension Coverage and Borrowing Constraints
Michael A. Curme and William E. Even
The Journal of Human Resources
Vol. 30, No. 4 (Autumn, 1995), pp. 701-712
Published by: University of Wisconsin Press
Stable URL: http://www.jstor.org/stable/146228
Page Count: 12
You can always find the topics here!Topics: Employee pension plans, Defined benefit pension plan, Private pensions, Employment, Pension contributions, Income estimates, Human resources, Credit, Pension plans, Discount rates
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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.
The Journal of Human Resources © 1995 Board of Regents of the University of Wisconsin System