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Health

“A Look at the End-of-Life Financial Situation in America,” and “Measured Matters: The Use of 'Big Data' in Employee Benefits”

End-of-Life Finances: New research by EBRI shows that a large percentage of individuals who died recently had little or no assets. Those who died relatively younger were even more likely to be in this situation. Press release.

Big Data: Since “big data” is changing so many aspects of the business world, how is it affecting the way health and retirement benefits are provided to private-sector workers? At a recent policy forum sponsored by EBRI, several national experts described how employers and researchers are making a major commitment to capturing and analyzing the vast amount of health and retirement data in their benefits plans. Press release.

EBRI Notes Apr 23, 2015 24 pages

“How Much Needs to be Saved for Retirement After Factoring In Post-Retirement Risks: Evidence from the EBRI Retirement Security Projection Model,®” and “Employer and Worker Contributions to Health Reimbursement Arrangements and Health Savings Account ..

Savings needs: How much do workers need to have saved for retirement at different ages? And based on their age and income, how much needs to be contributed to their defined contribution plan to ensure a financially successful retirement? New research from EBRI helps answer these important questions. Press release.

Health account contributions: Both employers and workers decreased their contributions to health savings accounts (HSAs) last year, according to new research from EBRI. Press release.

EBRI Notes Mar 26, 2015 28 pages

Utilization Patterns and Out-of-Pocket Expenses for Different Health Care Services Among American Retirees

How do retirees spend their out-of-pocket money on health care in retirement? New research from EBRI separates recurring and non-recurring health-care services and finds that usage and expenses of recurring health-care services remain stable throughout retirement, while usage of non-recurring ones increase with age and tend to be more expensive. EBRI Issue Brief Feb 23, 2015 24 pages

“Employee Tenure Trends, 1983–2014” and “Views on Employment-Based Health Benefits: Findings from the 2014 Health and Voluntary Workplace Benefits Survey”

Tenure Trends: American workers are continuing to stay a bit longer in their jobs, according to new data from EBRI. The overall median tenure of workers—the midpoint of wage and salary workers’ length of employment in their current jobs—was slightly higher in 2014, at 5.5 years, compared with 5.0 years in 1983. Press release.

Views on Health Benefits: Most workers are satisfied with the health benefits they have now, but nearly one-third express interest in changing the current mix of benefits and wages offered by their employers, according to the latest findings from EBRI. Press release.

EBRI Notes Feb 19, 2015 24 pages

“Maximizing Contributions to an HSA: Findings from the EBRI HSA Database,” and “Debt of the Elderly and Near Elderly, 1992–2013”

HSAs: Who contributes the maximum amount to their health savings accounts (HSAs)? New research by EBRI finds that about 15 percent of HSA owners contributed the maximum amount possible in 2013. Press release.

Debt: A larger share of older American families had debt in 2013, and those with debt loads that are considered problematic also increased, according to a new report from EBRI. Press release. 

EBRI Notes Jan 29, 2015 24 pages

“What to Expect During Open-Enrollment Season: Findings From the SHRM/EBRI 2014 Health Benefits Survey,” and “History of the Employee Benefit Research Institute, Part 1”

Open Enrollment: Few employers plan to eliminate or make major changes in their health care benefits in the near future—but changes are inevitable, especially the growth of wellness programs designed to address worker risks and behaviors, which drive chronic conditions, and account for a large percentage of overall spending, according to a new report by EBRI. Press release

History of EBRI: This is the first part of a history of the Employee Benefit Research Institute (EBRI), which was created 37 years ago.

EBRI Notes Dec 16, 2014 16 pages

"Views on the Value of Voluntary Workplace Benefits: Findings from the 2014 Health and Voluntary Workplace Benefits Survey," and "The Gap Between Expected and Actual Retirement: Evidence From Longitudinal Data"

Retiree health savings: The vast majority of workers say their benefits package is important to their decision to take a job, as supported by the high take-up rates when benefits are offered, according to a new report by EBRI. Press release.

Retirement gap: Among the victims of the "Great Recession" of 2008?2009 was the retirement expectations of many Americans. New research from EBRI has quantified just how much those hopes suffered. Press release.

 EBRI Notes Nov 18, 2014 24 pages