The changing profile of pensions in America:
Gespeichert in:
| 1. Verfasser: | |
|---|---|
| Format: | Buch |
| Sprache: | English |
| Veröffentlicht: |
Washington, DC
Employee Benefit Research Inst.
1985
|
| Schriftenreihe: | An EBRI-ERF policy study
|
| Schlagworte: | |
| Online-Zugang: | Inhaltsverzeichnis |
| Beschreibung: | XXVII, 234 S. |
| ISBN: | 0866430431 0866430385 |
Internformat
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Datensatz im Suchindex
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| adam_text | THE CHANGING PROFILE
PENSIONS
IN AMERICA
By
Emily S Andrews
AN EBRI-ERF POLICY STUDY
EBRI
EMPLOYEE BENEFIT
RESEARCH INSTITUTE
Table of Contents
List of Tables ix
Executive Summary xvii
Foreword xxv
Introduction 1
Chapter I
The Status of the Retirement Income System 3
Overview of the Retirement Income System 3
Economic Developments over a Decade 6
The Structure of Employer-sponsored Pension Plans 8
Private Employer-sponsored Plans; Government
Employer-sponsored Plans
Changes in Pension Coverage between 1979 and 1983 12
Other Evidence of Changes in Coverage 16
Changes since 1972
Conclusions 21
Chapter II
Trends in Employment-based Pensions 23
Private Employer-sponsored Pensions 23
Legislative Developments and Plan Growth
The Railroad Retirement System 30
Legislative Developments
The Civil Service Retirement System 33
State and Local Government Pension Plans 36
The Social Security System 39
Legislative Developments
Conclusions 44
Chapter III
The Distribution of Employer-sponsored Pension Coverage 47
Factors Affecting Coverage and Vesting 47
Interactions and Statistical Analysis
v
Pensions and Earnings 51
Coverage and Earnings among Nonagricultural
Employees; Coverage and Earnings within the ERISA
Work Force; Prior Participation and Vesting
Pensions and the Aging of the Work Force 58
Pensions and the Baby Boom
The Changing Roles of Men and Women 62
Family Decision Making
Conclusions 68
Chapter IV
i Workers without Coverage and Individual Retirement Saving
I Options 71
1 Workers without Coverage under Employer-sponsored
Plans 71
The ERISA-Plus Work Force
The Use of Individual Retirement Accounts 78
Individual Retirement Accounts and 401(k) Plans 82
Pensions and the Self-employed 86
IRA Usage by the Self-employed
Conclusions 90
Chapter V
Pension Coverage, Industry Growth and the Business Cycle 93
A Partial Theory of Cyclical Changes in Coverage 93
The Recessionary Industries 96
Construction; Transportation; Durable Goods
Manufacturing; Nondurable Goods Manufacturing;
Mining
The Growth Sectors 105
Service-related Industries; The Service Sector
Government Employment 110
Federal Employees; State and Local Employees
Conclusions 112
Chapter VI
Income and Assets of the Aging Population 115
Income of the Aged 115
Poverty; Gains in Income Receipt
Sources of Income 120
Trends in Pension Income
Asset Holdings 125
vi
Replacement Rates 129
Conclusions 130
Chapter VII
The Impact of the Retirement Equity Act 133
Changes in Participation and Vesting Standards 133
The Effect of REA on Participants; The Effect of REA on
Plan Costs; Other Economic Considerations
More Secure Joint and Survivor Benefits 138
Preretirement Survivor Annuities 141
Pensions and Divorce 145
Conclusions 147
Chapter VIII
Retirement Income Policy Proposals 149
Liberalizing ERISA Participation and Accrual Standards 149
Older Workers; Part-time Workers £) Liberalized Vesting Standards 155
The Costs of Five-year Vesting; The Effect of Five-year
Vesting on Benefit Receipt
Policies to Increase Pension Portability 159
Defined Benefit or Defined Contribution Plans
Policies to Encourage Plan Growth 165
Other Policy Options
Basic Tax Reform 171
Expansion of Individual Retirement Accounts 174
Changes in Social Security
Conclusions 177
Chapter IX
The Changing Profile 179
Legislation Intended to Change the Profile 181
Proposals to Improve Coverage 182
Implications and Future Directions 184
Appendix A
The May 1983 EBRI/HHS CPS Pension Supplement 187
The Current Population Survey 187
Sample and Survey Method; Weighting Methods;
Statistical Reliability
The May 1983 Pension Supplement 188
vii
The Sample; Type of Information; Changes in the Pension
Supplement since 1979; Weighting; Use of Small
Estimates
Glossary 190
Appendix B
Imputations of Missing Data in the May 1983 EBRI/HHS CPS
Pension Supplement 193
Problems Addressed 193
Methods Used to Correct Problems 194
The Effect of Data Enhancement on Findings 197
Appendix C
Statistical Procedures 199
Analysis of Variance 199
Coverage Analysis; Participation Analysis; Vesting
Analysis
Logit Simulation Model 204
Logit Equations
Policy Simulations 208
The Effect of the Retirement Equity Act (REA); The Effect
of Raising the Maximum Participation Age; The Effect of
Reducing the ERISA Minimum-Hours Requirement; The
Effect of Five-year Vesting; The Effect of Policies to
Improve Pension Coverage
References 217
Index 227
viii
|
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| institution | BVB |
| isbn | 0866430431 0866430385 |
| language | English |
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| physical | XXVII, 234 S. |
| publishDate | 1985 |
| publishDateSearch | 1985 |
| publishDateSort | 1985 |
| publisher | Employee Benefit Research Inst. |
| record_format | marc |
| series2 | An EBRI-ERF policy study |
| spelling | Andrews, Emily S. Verfasser aut The changing profile of pensions in America Washington, DC Employee Benefit Research Inst. 1985 XXVII, 234 S. txt rdacontent n rdamedia nc rdacarrier An EBRI-ERF policy study Caisses de retraite - États-Unis Retraite - Aspect économique - États-Unis Revenu de retraite - États-Unis Pension trusts United States Retirement income United States Retirement Economic aspects United States Altersversorgung (DE-588)4001479-4 gnd rswk-swf USA USA (DE-588)4078704-7 gnd rswk-swf USA (DE-588)4078704-7 g Altersversorgung (DE-588)4001479-4 s DE-604 HEBIS Datenaustausch application/pdf http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=003882548&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA Inhaltsverzeichnis |
| spellingShingle | Andrews, Emily S. The changing profile of pensions in America Caisses de retraite - États-Unis Retraite - Aspect économique - États-Unis Revenu de retraite - États-Unis Pension trusts United States Retirement income United States Retirement Economic aspects United States Altersversorgung (DE-588)4001479-4 gnd |
| subject_GND | (DE-588)4001479-4 (DE-588)4078704-7 |
| title | The changing profile of pensions in America |
| title_auth | The changing profile of pensions in America |
| title_exact_search | The changing profile of pensions in America |
| title_full | The changing profile of pensions in America |
| title_fullStr | The changing profile of pensions in America |
| title_full_unstemmed | The changing profile of pensions in America |
| title_short | The changing profile of pensions in America |
| title_sort | the changing profile of pensions in america |
| topic | Caisses de retraite - États-Unis Retraite - Aspect économique - États-Unis Revenu de retraite - États-Unis Pension trusts United States Retirement income United States Retirement Economic aspects United States Altersversorgung (DE-588)4001479-4 gnd |
| topic_facet | Caisses de retraite - États-Unis Retraite - Aspect économique - États-Unis Revenu de retraite - États-Unis Pension trusts United States Retirement income United States Retirement Economic aspects United States Altersversorgung USA |
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