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The Role of Health Insurance in Joint Retirement among Married Couples

Kanika Kapur and Jeannette Rogowski
ILR Review
Vol. 60, No. 3 (Apr., 2007), pp. 397-407
Published by: Sage Publications, Inc.
Stable URL: http://www.jstor.org/stable/25249093
Page Count: 11
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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.
The Role of Health Insurance in Joint Retirement among Married Couples
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Abstract

Because the near-elderly have high expected medical expenditures, availability of health insurance is an important factor in their retirement decisions. Using Health and Retirement Study data collected in 1992-2002, the authors of this study investigate whether access to employer-provided retiree health insurance enabled dual working couples to time their retirement together-a behavior called "joint retirement." They find that when wives had employer-provided retiree health insurance, the likelihood of joint retirement more than doubled. The effect of retiree health insurance on overall employment patterns, in contrast, was modest: estimates indicate that a hypothetical change from universal availability of such insurance to its universal unavailability would have increased employment levels by only two percentage points.

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