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Author : Christian E. Weller
Publisher :
ISBN 13 :
Total Pages : 76 pages
Book Rating : 4.3/5 (555 download)
Download or read book Health Insurance Coverage in Retirement written by Christian E. Weller and published by . This book was released on 2004 with total page 76 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Robert L. Clark
Publisher : Edward Elgar Publishing
ISBN 13 : 1849808139
Total Pages : 191 pages
Book Rating : 4.8/5 (498 download)
Download or read book Retiree Health Plans in the Public Sector written by Robert L. Clark and published by Edward Elgar Publishing. This book was released on 2010-01-01 with total page 191 pages. Available in PDF, EPUB and Kindle. Book excerpt: While retiree health plans are a dying benefit in the private sector, all US states and many local governments extend health insurance coverage to their retired employees. This book is the first to thoroughly examine public sector health insurance plans. Retiree Health Plans in the Public Sector provides a detailed description of the current plans offered and compares how they vary across states. Health insurance is an important component of compensation in the public sector as it helps governments attract and retain quality workers and encourages timely retirement for career employees. Rapidly rising medical costs, an aging labor force, and an increasing number of retirees have dramatically increased the cost of providing this benefit. A central theme of this analysis is a presentation of the actuarial accrued liabilities, the unfunded liabilities and the annual required contribution of the employers based on the actuarial statements for retiree health plans. The authors alsoinvestigate why some states face major funding problems while the costs of other states? plans are much more manageable. Extensively researched and well-suited for classroom and professional use alike, academics in the fields of economics and public policy will find this an unmatched resource. So too will policymakers, economists, legislators, public sector union leaders and those invested in public sector healthcare.
Author : Judith F. Mazo
Publisher : University of Pennsylvania Press
ISBN 13 :
Total Pages : 288 pages
Book Rating : 4.3/5 (91 download)
Download or read book Providing Health Care Benefits in Retirement written by Judith F. Mazo and published by University of Pennsylvania Press. This book was released on 1994 with total page 288 pages. Available in PDF, EPUB and Kindle. Book excerpt: This volume, from the Pension Research Council of the Wharton School, highlights many of the special health insurance problems facing the elderly and some of the solutions that any reform process must consider.
Author : Jonathan Gruber
Publisher :
ISBN 13 :
Total Pages : 60 pages
Book Rating : 4.3/5 (91 download)
Download or read book Health Insurance and Early Retirement written by Jonathan Gruber and published by . This book was released on 1993 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt: Although the vast majority of working individuals aged 55-64 receive health insurance coverage through their employment, many of these individuals face the prospect of losing such coverage should they retire before becoming eligible for guaranteed public coverage through Medicare at age 65. Because the expected medical expenses of this group are large and uncertain, the availability of health insurance coverage after retirement could be a key factor in the retirement decision of older workers. We examine the effect of health insurance on retirement by looking at variation in state and federal 'continuation of coverage' mandates, laws which allow individuals to continue purchasing health insurance through a previous employer for a specified number of months after leaving the firm. By allowing individuals to maintain their employer-provided health insurance after retirement, these laws decrease the cost of early retirement for those who do not have other retiree health insurance available. Using data on 55-64 year old men from the Current Population Survey, we find that one year of continuation benefits increases the probability of being retired by 1 percentage point; this represents a 5.4 percent increase in the baseline probability of being retired for this group. We also find that continuation mandates increase the likelihood of being insured after retirement.
Author : United States. Social Security Administration. Office of Research and Statistics
Publisher :
ISBN 13 :
Total Pages : 84 pages
Book Rating : 4.:/5 (31 download)
Download or read book The Impact of Medicare written by United States. Social Security Administration. Office of Research and Statistics and published by . This book was released on 1970 with total page 84 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Paul Zane Pilzer
Publisher : John Wiley & Sons
ISBN 13 : 1119012112
Total Pages : 288 pages
Book Rating : 4.1/5 (19 download)
Download or read book The End of Employer-Provided Health Insurance written by Paul Zane Pilzer and published by John Wiley & Sons. This book was released on 2014-11-17 with total page 288 pages. Available in PDF, EPUB and Kindle. Book excerpt: How to save 20 to 60 percent on health insurance! The End of Employer-Provided Health Insurance is a comprehensive guide to utilizing new individual health plans to save 20 to 60 percent on health insurance. This book is written to ensure that you, your family, and your company get your fair share of the trillions of dollars the U.S. government will spend subsidizing individual health insurance plans between now and 2025. You will learn how to navigate the Affordable Care Act to save money without sacrificing coverage, and how to choose the plan that offers exactly what you, your family and your company need. Over the next 10 years, 100 million Americans will move from employer-provided to individually purchased health insurance. The purpose of The End of Employer-Provided Health Insurance is to show you how to profit from this paradigm shift while helping you, your family, and your employees get better and safer health insurance at lower cost. It will help you save thousands of dollars per person each year and protect you from the greatest threat to your financial future—our nation's broken employer-provided health insurance system. We are at the beginning of a paradigm shift in the way businesses offer employee health benefits and the way Americans get health insurance—a shift from an employer-driven defined benefit model to an individual-driven defined contribution model. This parallels a similar shift in employer-provided retirement benefits that took place two to three decades ago from defined benefit to defined contribution retirement plans. Written by a world-renowned economist and New York Times best-selling author, this insightful guide explains how individual health insurance offers more to employees than employer-provided plans. Using the techniques outlined in this book, you and your employer will save money on health insurance by migrating from employer-provided health insurance coverage to employer-funded individual plans at a total cost that is 20 percent to 60 percent lower for the same coverage. That's $4,000 to $12,000 in savings per year for a family of four for the same hospitals, same doctors, and same prescriptions.
Author : Institute of Medicine
Publisher : National Academies Press
ISBN 13 : 0309083435
Total Pages : 213 pages
Book Rating : 4.3/5 (9 download)
Download or read book Care Without Coverage written by Institute of Medicine and published by National Academies Press. This book was released on 2002-06-20 with total page 213 pages. Available in PDF, EPUB and Kindle. Book excerpt: Many Americans believe that people who lack health insurance somehow get the care they really need. Care Without Coverage examines the real consequences for adults who lack health insurance. The study presents findings in the areas of prevention and screening, cancer, chronic illness, hospital-based care, and general health status. The committee looked at the consequences of being uninsured for people suffering from cancer, diabetes, HIV infection and AIDS, heart and kidney disease, mental illness, traumatic injuries, and heart attacks. It focused on the roughly 30 million-one in seven-working-age Americans without health insurance. This group does not include the population over 65 that is covered by Medicare or the nearly 10 million children who are uninsured in this country. The main findings of the report are that working-age Americans without health insurance are more likely to receive too little medical care and receive it too late; be sicker and die sooner; and receive poorer care when they are in the hospital, even for acute situations like a motor vehicle crash.
Author :
Publisher :
ISBN 13 :
Total Pages : 0 pages
Book Rating : 4.:/5 (15 download)
Download or read book Civilian Health Insurance Options of Military Retirees written by and published by . This book was released on 2007 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Traditionally, DoD has provided health benefits to active-duty and retired service personnel and their families. After 20 years of service, active-duty personnel can retire and are immediately eligible to receive retiree health benefits for themselves, their spouses, and dependent children. DoD retirees are encouraged to enroll in TRICARE Prime, which has an annual enrollment fee of $230 for individual coverage and $460 for family coverage. Retirees and their families also have access to TRICARE Standard/Extra, which requires no enrollment contribution but has less generous cost-sharing provisions than TRICARE Prime. Since service personnel can conceivably retire in their late 30s or early 40s, many of these individuals are working in second careers and have access to non-DoD health insurance. Yet the growing gap between civilian health insurance premiums (estimated to be $2,713 on average for family coverage in 2005) and TRICARE enrollment fees makes TRICARE an increasingly attractive option vis- -vis civilian coverage. Recent evidence suggests that employees are declining employer-provided insurance in favor of alternative sources of health insurance coverage, such as TRICARE.
Author :
Publisher :
ISBN 13 :
Total Pages : 110 pages
Book Rating : 4.3/5 (91 download)
Download or read book The Broken Promise of Retiree Health Benefits written by and published by . This book was released on 1993 with total page 110 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Jonathan Gruber
Publisher :
ISBN 13 :
Total Pages : 29 pages
Book Rating : 4.:/5 (263 download)
Download or read book Health Insurance Availability and the Retirement Decision written by Jonathan Gruber and published by . This book was released on 1993 with total page 29 pages. Available in PDF, EPUB and Kindle. Book excerpt: Because individuals aged 55-64 face large and uncertain medical expenditures without the guarantee of public insurance coverage provided by Medicare, the availability of post-retirement health insurance could be an important determinant in the retirement decisions of this group. We investigate the effect of health insurance on retirement by focusing on state and federal "continuation of coverage" mandates which grant the retiree the right to continue purchasing health insurance through a previous employer for a specified number of months after leaving the firm. We exploit variation in the timing and generosity of these laws to identify the effect of the availability of continuation coverage on retirement decisions, using data on 55-64 year-old males from the Current Population Survey and the Survey of Income and Program Participation. We find a sizeable and significant effect of continuation coverage on retirement; one year of mandated continuation benefits raises retirement rates by 20%. The effect appears to be uniform at all ages rather that larger near the age of Medicare eligibility. There is also a large increase in the insurance coverage of individuals who would have retired in the absence of continuation benefits. Our findings have important implications for policies which change the insurance coverage of early retirees, such as national health insurance.
Author :
Publisher :
ISBN 13 :
Total Pages : 40 pages
Book Rating : 4.3/5 (121 download)
Download or read book Present Law and Issues Relating to Employer-provided Retiree Health Insurance written by and published by . This book was released on 1989 with total page 40 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Joshua Mungavin
Publisher : Josh Mungavin
ISBN 13 : 0463787161
Total Pages : 29 pages
Book Rating : 4.4/5 (637 download)
Download or read book Medicare Made Easy written by Joshua Mungavin and published by Josh Mungavin. This book was released on 2018-08-06 with total page 29 pages. Available in PDF, EPUB and Kindle. Book excerpt: Enrolling in Medicare is like being blindfolded and asked to navigate a maze you've never seen before with a crowd all yelling out different directions to you. All the while knowing the consequences of a wrong decision can last a lifetime. Medicare Made Easy breaks down each component of Medicare and walks you through, step by step, providing the resources you need along the way. With basic definitions and extensive information, this book compiles the most valuable information into one easy to read place. Everything you need to know about Medicare is at your disposal. This book dives into the difference between: • What You Need to Know About Medicare • General Medicare Overview • Medicare Part A • Medicare Part B • Medigap • Medicare Advantage • Structuring Income for Medicare Purposes • PACE Coverage • Medicare Appeals • Where to Go for Extra Information Employing the strategies in this book can help you save tens of thousands of dollars in premiums, co-pays, deductibles, and prescription drugs. Once you've gone through the steps outlined here you will know you have done what you need to do to make the most of your benefits, and you'll be confident in your choices or at least know the right questions to ask.
Author : Alan L. Gustman
Publisher :
ISBN 13 :
Total Pages : 64 pages
Book Rating : 4.3/5 ( download)
Download or read book Employer Provided Health Insurance and Retirement Behavior written by Alan L. Gustman and published by . This book was released on 1993 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper analyzes the effects on retirement of employer provided health benefits to workers and retirees. Retiree health benefits delay retirement until age of eligibility, and then accelerate it. With a base case of no retiree health coverage, granting retiree health coverage to all those with employer coverage while working accelerates retirement age by less than one month. Valuing benefits at costs of private health insurance to unaffiliated individuals, rather than at group rates, increases the effect. Ignoring retiree health benefits in retirement models creates only a small bias. Changing health insurance policies has a small effect on retirement.
Author : Hinda Chaikind
Publisher :
ISBN 13 :
Total Pages : pages
Book Rating : 4.:/5 (15 download)
Download or read book Health Insurance Coverage for Retirees written by Hinda Chaikind and published by . This book was released on 2007 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: With the retirement of the baby boom generation looming ahead, employers offering coverage to their retired workers will face a huge future financial commitment. Some employers have already reduced or eliminated their commitment to insure their retirees. Recent trends indicate that retiree health benefits are increasingly subject to higher beneficiary cost-sharing. Further, among employers who provide health insurance for current retirees, their current workers are less likely to be guaranteed these benefits upon retirement. This report discusses issues regarding health insurance coverage for retirees.
Author : United States. Congress. House. Committee on Ways and Means. Subcommittee on Health
Publisher :
ISBN 13 :
Total Pages : 140 pages
Book Rating : 4.3/5 (91 download)
Download or read book Retiree Health Benefits, Including Proposals to Extend Medicare to Cover Early Retirees at Age 60 written by United States. Congress. House. Committee on Ways and Means. Subcommittee on Health and published by . This book was released on 1992 with total page 140 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Thomas E. Murphy
Publisher : SAGE
ISBN 13 : 1412950880
Total Pages : 537 pages
Book Rating : 4.4/5 (129 download)
Download or read book Benefits and Beyond written by Thomas E. Murphy and published by SAGE. This book was released on 2010 with total page 537 pages. Available in PDF, EPUB and Kindle. Book excerpt: Written for students of benefit design and policy, human resources and employee compensation, this book explains the basics of labor economics, human resource strategies, tax policies, metrics and actuarial science. Murphy (law and economics, Miami U., Ohio) uses case studies and examples for illustrating the proper strategies for benefit design including publicly funded retirement plans, health care programs, life insurance, equity benefits and disability plans. This text also compares benefit policy in Europe, the United States and the Pacific Rim for students who wish to practice human resources on an international level. Annotation ©2009 Book News, Inc., Portland, OR (booknews.com).
Author : New York (State). Department of Civil Service
Publisher :
ISBN 13 :
Total Pages : 286 pages
Book Rating : 4.F/5 ( download)
Download or read book New York State Service written by New York (State). Department of Civil Service and published by . This book was released on 1887 with total page 286 pages. Available in PDF, EPUB and Kindle. Book excerpt:
