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"Views on Health Coverage and Retirement: Findings from the 2012 Health Confidence Survey,®" and "Tax Preferences and Mandates: Is the Danish Savings Experience Applicable to the United States?"

 Views on Health Coverage and Retirement: More than half of all workers say they intend to work longer than they would like in order to keep their health insurance at work, according to new research by EBRI. But less than 1 in 5 retirees say they were able to work longer to continue receiving health insurance through their jobs. Press release.

 

Tax Preferences and Mandates: A recent study found that tax incentives for retirement savings in Denmark had virtually no impact on increasing total savings But are those findings relevant to the United States? Maybe not, according to a new report by EBRI. Press release.

EBRI Notes Jan 31, 2013 16 pages

Annuity and Lump-Sum Decisions in Defined Benefit Plans: The Role of Plan Rules

Why do some retiring workers with a pension choose to take a stream of lifetime income, while others cash out their entire benefit in a lump-sum distribution? Amidst growing concerns about workers outliving their retirement savings, this has emerged as a key issue—and it depends to a large extent on whether the individual pension plan allows or restricts lump-sum distributions (LSDs), according to new research by EBRI. EBRI Issue Brief Jan 17, 2013 20 pages

"Views on Employment-Based Health Benefits: Findings from the 2012 Health Confidence Survey" and "Employee Tenure Trends, 1983–2012"

2012 Health Confidence Survey: What if Congress decides to start taxing workers’ health benefits as a means to raise revenue as part of an effort to rein in the federal deficit? More than half of American workers would either switch to a less costly plan, shop around, or drop coverage, according to new research from EBRI. Press release.

Employee Tenure: Americans who have jobs are staying in them longer as overall job tenure in the United States ticked up in 2012, but U.S. job tenure is still shorter than many assume. The median (mid-point) length of time on the job for American workers in 2012 is just 5.4 years, according to new research from EBRI. Press release.

EBRI Notes Dec 20, 2012 24 pages

401(k) Plan Asset Allocation, Account Balances, and Loan Activity in 2011

401(k) savers continued to seek diversified portfolios in 2011, with 61 percent of 401(k) participants’ assets invested in equity securities and 34 percent in fixed-income securities, on average, according to the annual update of a joint study released today by the Employee Benefit Research Institute (EBRI) and the Investment Company Institute (ICI). EBRI Issue Brief Dec 20, 2012 56 pages

“Self-Insured Health Plans: State Variation and Recent Trends by Firm Size,” and “All or Nothing? An Expanded Perspective on Retirement Readiness”

Self-Insured Health Plans: Large private-sector employers are driving a trend toward more “self-insured” health plans, according to a new report by EBRI.

Retirement Readiness: Among those who are likely to miss their retirement savings goal, how many will be close? And how many will miss it by a mile? According to a new report by EBRI, nearly half of Generation X households will have enough to cover basic retirement costs, and about a third will fall short—but not by much. About 20 percent are likely to be far off-target.

EBRI Notes Nov 29, 2012 24 pages