Most employers who provide health insurance to employees subsidize their premiums and provide a comprehensive benefit package. Before the Affordable Care Act, people who lacked health insurance through a job and purchased it on their own paid the full cost of their plans, which often came with skimpy benefit packages and high deductibles. Findings from the Commonwealth Fund Affordable Care Act ...

The empirical retirement literature measures individual responses to variation in income flows due to public transfers, private individual or employer-provided pensions. The novelty of this paper is to provide a decomposition the incentive effects from these three sources. It is the first time that the effects of pay policies of different employers on retirement outcomes is explicitly modelled ...

OBJECTIVES There are high levels of global and national underemployment, but limited information is available on the impact of this phenomenon on the quality of employees' working lives. This study examines the relations among perceived employer support for creative work, different forms of underemployment and employee quality of life, including job satisfaction, perceived job security and job ...

O. Bang, L. Bergé, and J. Juul Rasmussen Australian Photonics Cooperative Research Centre, Research School of Physical Sciences and Engineering, Optical Sciences Centre, Australian National University, Canberra, Australian Capital Territory 0200, Australia Commissariat à l’Energie Atomique, CEA/Bruyères-le-Châtel, Boı̂te Postale 12, 91680 Bruyères-le-Châtel, France Riso” National Laboratory, Opt...

We design three field experiments to estimate how workers' social preferences toward their employer motivates work effort. vary the pay rates offered workers, return employer, and generosity demonstrated via unexpected gifts. Workers exert effort even without private incentives, but is insensitive employer. This consistent with “warm glow” not pure altruism. The gifts have no effect on producti...

OBJECTIVE Tort reform may affect health insurance premiums both by reducing medical malpractice premiums and by reducing the extent of defensive medicine. The objective of this study is to estimate the effects of noneconomic damage caps on the premiums for employer-sponsored health insurance. DATA SOURCES/STUDY SETTING Employer premium data and plan/establishment characteristics were obtained...

We show that wages in administrative data and in online markets exhibit considerable bunching at round numbers that cannot all be explained by rounding of responses in survey data. We consider two hypotheses—worker left-digit bias and employer optimization frictions—and derive tests to distinguish between the two. Symmetry of the missing mass distribution around the round number suggests that o...

Long before passage of the federal health care reform act in 2010, which eventually will impose an individual mandate to obtain health insurance, policy makers had considered the alternative approach of employer health insurance mandates as a strategy for expanding coverage. At the Federal level, the failed health care reform plans proposed by the Nixon administration in the early 1970s and the...

The average job in the IT industry is unskilled and is often not considered destination employment, but takes on a transient quality that accommodates the needs of the individual and will leave an employer to fill the same position again and again. Determining the reasons and factors why workers work has been the quest of industrial psychologists and management experts for years. It is generall...

Economic theory predicts that employer-provided retiree health insurance (RHI) benefits have a crowd-out effect on household wealth accumulation, not dissimilar to the effects reported elsewhere for employer pensions, Social Security, and Medicare. Nevertheless, we are unaware of any similar research on the impacts of retiree health insurance per se. Accordingly, the present paper utilizes a un...