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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
DOI: 10.2307/146228
Stable URL: http://www.jstor.org/stable/146228
Page Count: 12
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Since scans are not currently available to screen readers, please contact JSTOR User Support for access. We'll provide a PDF copy for your screen reader.
Pension Coverage and Borrowing Constraints
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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.

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