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激励措施、健康与退休：来自芬兰养老金改革的证据。

Incentives, Health, and Retirement: Evidence From a Finnish Pension Reform.

作者信息

Ollonqvist Joonas, Kotakorpi Kaisa, Laaksonen Mikko, Martikainen Pekka, Pirttilä Jukka, Tarkiainen Lasse

机构信息

Finnish Institute for Health and Welfare, Helsinki, Finland.

Finnish Centre of Excellence in Tax Systems Research (FIT), Tampere, Finland.

出版信息

Health Econ. 2025 Mar;34(3):537-572. doi: 10.1002/hec.4917. Epub 2024 Dec 23.

DOI:10.1002/hec.4917
PMID:39716480
原文链接:https://pmc.ncbi.nlm.nih.gov/articles/PMC11786948/
Abstract

This paper examines, using exogenous variation generated by a Finnish pension reform implemented in 2005, the interplay between health and financial incentives to postpone retirement. Based on detailed administrative data on individual health and retirement behavior, we focus on whether individual reactions to incentives vary according to health status and analyze whether individuals with ill health are also able to take advantage of the potential monetary benefits of delayed retirement created by the reform. We find that on average, individuals react to the financial incentives created by the reform as expected. This result holds for most of the health-related subgroups we analyze. However, those with a long period of sickness absence are less likely to respond to changes in the financial incentives to postpone retirement.

摘要

本文利用2005年芬兰养老金改革产生的外生变化，研究了健康与推迟退休的经济激励之间的相互作用。基于关于个人健康和退休行为的详细行政数据，我们关注个人对激励措施的反应是否因健康状况而异，并分析健康状况不佳的个人是否也能够利用改革所创造的延迟退休的潜在货币收益。我们发现，平均而言，个人对改革所创造的经济激励措施的反应符合预期。这一结果在我们分析的大多数与健康相关的子群体中都成立。然而，长期病假的人对推迟退休的经济激励变化做出反应的可能性较小。

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