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The Gerontologist, Vol 39, Issue 1 37-47, Copyright © 1999 by The Gerontological Society of America

ARTICLES

Retirement patterns and employee benefits: do benefits matter?

P Fronstin
Employee Benefit Research Institute, Washington, DC 20037, USA. [email protected]

This article investigates the impact of postretirement employee benefits on the likelihood that workers expect to retire before age 62 and age 65. Using data from the 1992 Health and Retirement Study, probit regression models were estimated to explore the effect of pension plans and retiree health insurance on the expectation of early retirement. With respect to pension plans, the effects of both the type of pension plan and the expected benefits from those plans are explored. Similar effects were explored for retiree health benefits. The results indicate that postretirement pension benefits and the availability of retiree health benefits have a significant influence on workers' retirement age expectations.


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Copyright © 1999 by The Gerontological Society of America.