Insurance Arrangements Among Married Couples: Analysis of Benefit Substitution and Compensating Differentials

Zimmer, David M.

doi:10.1007/s10834-009-9163-x

Cited by 8 publications

(4 citation statements)

References 39 publications

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“…t-tests on the means for the male and female respondents reveal that both are less than 2, which implies that both men and women tend to make their own decisions regarding their financial investments. 6 This result is consistent with Zimmer (2009) that increasingly women were consuming financial products independently and in conjunction with their spouses and partners.…”

Section: Financial Investment Decision Makingsupporting

confidence: 65%

Household Bargaining, Financial Decision-Making and Risk Tolerance

Yusof

2017

IJBS

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This study examines the financial investment decision-making and risk behaviors ofMalaysian men and women. It uses data obtained from a survey of employed Malaysians totest two opposing models of household decision making, the income pooling hypothesis andthe bargaining model. Ordinal probit regressions are estimated to determine if earning shareaffects decisions on financial investments, and to identify factors that affect risk tolerance ofmen and women. The results indicate that although both men and women practice autonomyin decisions related to financial investments, women have lower risk tolerance than men.The results on decision making are consistent with the bargaining model as reflected in theimportance of relative earning share in financial decision making.Keywords: Malaysia; Income Pooling Hypothesis; Bargaining Model; Financial Decision-Making; Risk Tolerance; Household.

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Section: Financial Investment Decision Makingsupporting

confidence: 65%

Household Bargaining, Financial Decision-Making and Risk Tolerance

Yusof

2017

IJBS

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“…Several studies suggest that access to ESI coverage through a spouse has important effects on behavior. Married workers, especially women, are significantly more likely to decline coverage from their own employer when their spouse is offered ESI (Buchmueller, ; Zimmer, ). Other studies find that access to spousal health insurance coverage is negatively related to labor supply for married women (Abraham & Royalty, ; Buchmueller & Valletta, ; Kapinos, ; Olson, ; Wellington & Cobb‐Clark, ).…”

Section: Literature Review and Institutional Detailsmentioning

confidence: 99%

The Effect of Requiring Private Employers to Extend Health Benefit Eligibility to Same‐Sex Partners of Employees: Evidence from California

Buchmueller¹,

Carpenter²

2012

J Policy Anal Manage

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Health disparities related to sexual orientation are well documented and may be due to unequal access to a partner's employer-sponsored insurance (ESI). We provide the literature's first evaluation of legislation enacted by California in 2005 that required private employers within the state to treat employees in committed same-sex relationships in the same way as employees in different-sex marriages with respect to ESI. Our analysis uses data on sexual orientation, partnership, and health insurance from the 2001 to 2007 California Health Interview Surveys (CHIS). Prior to the reform, partnered gay men and lesbians were significantly less likely to have ESI in someone else's name than partnered heterosexuals. Pooling data from 2001 to 2007, we find that the reform had no effects on differences in insurance outcomes between gay and straight men. We find some evidence that the reform increased partnership, reduced full-time employment, and increased health insurance coverage among lesbians relative to heterosexual women. The increases in insurance coverage for lesbians are consistent with a role for expanded dependent ESI, suggesting that such policies may reduce sexual orientation-based insurance disparities among women. C 2012 by the Association for Public Policy Analysis and Management.

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“…Research has examined general couple planning and decision-making in various financial situations including retirement (Behringer et al 2005;Moen et al 2006;Moen 1998, 2004), health promotion (Yorgason et al 2009), household decisions (Jianakoplos andBernasek 2008;Skogrand et al 2011;Zimmer 2009), work-family decisions (Zvonkovic et al 1994), marital adjustment (Cramer 2001), and geographic location of residence (Adams 2004). Similar to research on financial LTC planning, this research focused more on decision behaviors and less on intentions.…”

Section: Decision-making Among Couplesmentioning

confidence: 99%

“…Research on general couple decision-making illustrates the importance of including both spouses in research on decision-making because spouses are not likely to have consensus in their self-reports (Adams 2004;Behringer et al 2005;Cramer 2001;Moen et al 2006;Smith and Moen 1998;Zimmer 2009). Spouses reported different levels of influence, power, and satisfaction during the decision-making process and these appeared to result in divergence in planning behaviors (Adams 2004;Jianakoplos and Bernasek 2008;Skogrand et al 2011;Smith and Moen 2004;Yilmazer and Lyons 2010;Zvonkovic et al 1994).…”

Section: Decision-making Among Couplesmentioning

confidence: 99%

Couples Managing the Risk of Financing Long-Term Care

Barnett

Stum

2012

J Fam Econ Iss

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This study examined the complexity of financial long-term care (LTC) decision outcomes among married couples. Supporting the theory of planned behavior, couples reported a range of consensus patterns with their financial LTC intentions and behaviors. Five newly articulated typologies of couples emerged from consensus patterns revealing that couples reported a range of financial LTC intentions and behaviors. More couples reported consensus with their financial LTC behaviors compared to intentions; financial LTC decision outcomes reflected a dynamic and on-going process; and couples were not always in agreement on their financial LTC decision outcomes. Findings reinforce the importance of family practitioners going beyond working with individuals to understanding couple-level planning for financing LTC.

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Insurance Arrangements Among Married Couples: Analysis of Benefit Substitution and Compensating Differentials

Abstract: Family health insurance, Labor force participation, Simultaneous equations,

Cited by 8 publications

References 39 publications

Household Bargaining, Financial Decision-Making and Risk Tolerance

Household Bargaining, Financial Decision-Making and Risk Tolerance

The Effect of Requiring Private Employers to Extend Health Benefit Eligibility to Same‐Sex Partners of Employees: Evidence from California

Couples Managing the Risk of Financing Long-Term Care

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