Defined contribution health plan to consumer driven health benefits: evolution and experience

Article Abstract:

The idea is of placing more choice on employees 'consuming' health care and giving them more responsibility and incentive to control health care costs and utilization is alive and thriving in the form of consumer-driven health care. The evolution of consumer-driven health benefits including the experience of the first generation of 'defined contribution' health care participants, that is the retirees and the results of different approaches employers have taken to early consumer-driven plan designs is examined.

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Annuities and lifetime income: the Anglo-Saxon experience

Article Abstract:

The adverse impact of the aging population on social security is a phenomenon that is being experienced by the United States and a number of western industrialized nations. The risks on retirement and the role of annuities thereon are discussed based on the review of the pension structures in UK, Australia and New Zealand. The effect of pension structures on the annuitization rates is discussed.

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Caution: accounting changes ahead!

Article Abstract:

The future of the U.S. pension accounting and how benefit policy will be influenced by accounting changes is discussed. Further whether defined contribution plans are a better retirement income vehicle is explored.

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