Upload
adbi-publications
View
219
Download
0
Embed Size (px)
Citation preview
7/31/2019 Coordinating Healthcare and Pension Policies: An Exploratory Study
1/26
@OBD Virkdlf ^`~cr Ucrdcu
Eiirodl`tdlf Mc`jtme`rc `lo^cludil ^ijdedcu7 @l C}~jir`tirUtso
@w`o Udlfm B`jd`lo Hsksj F, @umcr
Li, 56?@sfsut 2>02
@ud`l Ocqcji~hclt B`lk Dlutdtstc
7/31/2019 Coordinating Healthcare and Pension Policies: An Exploratory Study
2/26
_mc Virkdlf ^`~cr ucrdcu du ` eiltdls`tdil ia tmc airhcrj l`hco Oduesuudil ^`~cr ucrdcu; tmclshbcrdlf ia tmc ~`~cru eiltdlsco vdtmist dltcrrs~tdil ir em`lfc, @OBDu virkdlf ~`~crurcajcet dldtd`j doc`u il ` ti~de `lo `rc ~iutco iljdlc air oduesuudil, @OBD cleisr`fcu rc`ocru ti~iut tmcdr eihhcltu il tmc h`dl ~`fc air c`em virkdlf ~`~cr -fdqcl dl tmc edt`tdil bcjiv$,Uihc virkdlf ~`~cru h` ocqcji~ dlti itmcr airhu ia ~sbjde`tdil,
Usffcutco edt`tdil7
B`jd* @, U, `lo H, F, @umcr, 2>02, Eiirodl`tdlf Mc`jtme`rc `lo ^cludil ^ijdedcu7 @lC}~jir`tir Utso,@OBD Virkdlf ^`~cr 563, _iki7 @ud`l Ocqcji~hclt B`lk Dlutdtstc,@q`dj`bjc7 mtt~7))vvv,`obd,irf)virkdlf(~`~cr)2>02)>=)01)3201,eiirodl`tdlf,mc`jtme`rc,~cludil,~ijdedcu)
^jc`uc eilt`et tmc `stmiru air dlairh`tdil `bist tmdu ~`~cr,
Ch`dj7 b`jdNlsu,cos,uf; u~~`umcrNlsu,cos,uf
@w`o Udlfm B`jd `lo Hsksj F, @umcr `rc ` oietir`j e`lodo`tc `lo ` ~riacuuir*rcu~cetdqcj* `t tmc JKT Uemiij ia ^sbjde ^ijde* L`tdil`j Sldqcrudt ia Udlf`~irc,
_mc `stmiru tm`lk U`r`m B`jcu* Msek(Gs Kvil* `lo Em`rjcu @o`hu air mcj~asjoduesuudilu `lo eihhcltu,
_mc qdcvu c}~rcuuco dl tmdu ~`~cr `rc tmc qdcvu ia tmc `stmir `lo oi lit lcecuu`rdjrcajcet tmc qdcvu ir ~ijdedcu ia @OBD* tmc @OB* dtu Bi`ro ia Odrcetiru* ir tmc fiqcrlhcltutmc rc~rcuclt, @OBD oicu lit fs`r`ltcc tmc `eesr`e ia tmc o`t` dlejsoco dl tmdu ~`~cr`lo `eec~tu li rcu~iludbdjdt air `l eilucpsclecu ia tmcdr suc, _crhdlijif suco h`lit lcecuu`rdj bc eiludutclt vdtm @OB iaaded`j tcrhu,
@ud`l Ocqcji~hclt B`lk DlutdtstcK`ushdf`uckd Bsdjodlf =A5(2(3 K`ushdf`uckd* Emdio`(ks_iki 0>>(1>>=* G`~`l
_cj7 +=0(5(5345(33>>A`}7 +=0(5(5345(3360SRJ7 vvv,`obd,irfC(h`dj7 dlaiN`obd,irf
2>02 @ud`l Ocqcji~hclt B`lk Dlutdtstc
mailto:[email protected]:[email protected]:[email protected]:[email protected]7/31/2019 Coordinating Healthcare and Pension Policies: An Exploratory Study
3/26
@OBD Virkdlf ^`~cr 56? B`jd `lo @umcr
@butr`et
R`~do `fcdlf ia tmc ~i~sj`tdil fjib`jj rc~rcucltu `l sl~rcecocltco mdutirde`j trclo, @u
~cludil `lo mc`jtme`rc eiutu `rc ~iudtdqcj eirrcj`tco vdtm rdudlf dleihcu* `fcdlf*
srb`ldw`tdil* `lo ` umdat arih eihhslde`bjc ti jdac(utjc oduc`ucu* h`l`fdlf tmcuc eiutu du `
h`gir em`jjclfc, _mcrc `rc h`l jdlk`fcu bctvccl mc`jtme`rc `lo ~cludil `rr`lfchcltudltcrhu ia eiutu* c}~iusrc ti rduku* `lo `u tmc gidltj dh~`et il ersed`j ~ijde ocedudilu, _mdu
~`~cr oduesuucu tmc r`tdil`jc air eiirodl`tdil bctvccl q`rdisu ~rifr`hu ti bcttcr h`l`fc tmc
eiut ia `fcdlf, _mc esrrclt odaadesjt h`ericeilihde clqdrilhclt* dlejsodlf adue`j utrdlfcle
eilodtdilu* utrclftmclu tmc e`uc air usem eiirodl`tdil,
GCJ Ej`uudade`tdil7 G0* G?
7/31/2019 Coordinating Healthcare and Pension Policies: An Exploratory Study
4/26
@OBD Virkdlf ^`~cr 56? B`jd `lo @umcr
Eiltcltu
0, Dltriosetdil ,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, 52, _mc R`tdil`jc air ^ijde Eiirodl`tdil ,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, ?5, @rc`u ia Eiirodl`tdil ,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, 00
5,0 Eiirodl`tdil dl Eijjcetdil ia Eiltrdbstdilu ,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, 025,2 Eiirodl`tdil ia @ohdldutr`tdqc Asletdilu* O`t`* `lo Rceiro(kcc~dlf @etdqdtdcu , 055,5 Eiirodl`tdil dl Dlqcuthclt H`l`fchclt ,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, 055,? Eiirodl`tdil ia _`} _rc`thclt ,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, 0?5,3 Dltr` ^rifr`h Eiirodl`tdil ,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, 0?5,1 Eiirodl`tdil dl Ocudfl ia Mc`jtme`rc `lo ^cludil ^rifr`h ,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, 03
?, Eisltr C}`h~jcu ,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, 01?,0 ^mdjd~~dlcu ,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, 01?,2 Qdct L`h ,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, 01?,5 Udlf`~irc ,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, 06?,? H`j`ud` ,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, 0=?,3 _m`dj`lo ,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, 04?,1 Dlod` ,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, 04
3, Eilejsodlf Rch`rku ,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, 2>Rcacrclecu ,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, 22
7/31/2019 Coordinating Healthcare and Pension Policies: An Exploratory Study
5/26
@OBD Virkdlf ^`~cr 56? B`jd `lo @umcr
5
0, DL_RIOSE_DIL
H`l eisltrdcu dl @ud` `rc c}~crdcledlf r`~doj `fcdlf ~i~sj`tdilu osc ti ` eihbdl`tdil ia
ocejdldlf acrtdjdt r`tcu `lo usut`dlco `oq`lecu dl jilfcqdt, @eeirodlf ti ` Sldtco L`tdilu
airce`ut dl 2>0>* bitm tmc ~`ec ia `fcdlf `lo tmc um`rc ia tmc `fco dl tmc ~i~sj`tdil `rc
~rigcetco ti c}ecco eirrcu~ilodlf fjib`j r`tcu bctvccl 2>0> `lo 2>5> -SLOCU@ 2>0>$0
Em`lfdlf ochifr`~mde ~riadjcu* `jilf vdtm `oq`lecu dl od`fliutdeu `lo dlliq`tdilu dl uedclec
`lo hcode`j tcemlijif usffcut frc`tcr rcuisrecu vdjj lcco ti bc ocqitco ti h`l`fdlf tmc
eiutu ia `fcdlf, Mivcqcr* `u h`l eisltrdcu dl @ud` `rc `jui `fcdlf ir `rc c}~cetco ti `fc `t
rcj`tdqcj jivcr dleihcu* tmdu ~irtclou udfldade`lt em`jjclfcu air fiqcrlhcltu `eriuu @ud` ti
adl`lec mc`jtme`rc `lo ~cludil c}~clodtsrc, _mc r`~do `fcdlf ia @ud`l ceilihdcu m`udh~jde`tdilu lit gsut air adl`ledlf mc`jtme`rc `lo rctdrchclt c}~clodtsrc air `l dlerc`udlf
lshbcr ia cjocrj ~ci~jc* bst `jui air tmc bri`ocr ceilih `lo uiedct* `aacetdlf air c}`h~jc
ch~jihclt `lo eilush~tdil ~`ttcrlu* tcemlijif fclcr`tdil `lo `buir~tdil e`~`bdjdtdcu*
tr`lu~irt uutchu* `lo qitdlf ~`ttcrlu -Ri `lo ^slm`ld 2>0>$,
, Dl
2>0>* @ud` `eeisltco air 3?,?# ia tmc fjib`j tit`j ia tmiuc `biqc 1> c`ru ia `fc* `lo tmdu du
~rigcetco ti dlerc`uc ti 34,4# b 2>5>, Dt du ejc`r* tmcrcairc* tm`t @ud` vdjj m`qc ` udfldade`lt
dh~`et il tmc ol`hdeu ia fjib`j ochifr`~mde trclou,
_mdu ~`~cr m`u ` l`rrivcr aiesu, Dt c}~jircu tmc r`tdil`jc air eiirodl`tdil dl mc`jtme`rc `lo
~cludil `rr`lfchcltu vdtm ` qdcv ti hdldhdwdlf tmc tit`j rcuisrec eiutu ocqitco ti h`l`fdlf
tmc eiutu ia `fcdlf, _mdu duusc m`u rcecdqco rcj`tdqcj jdhdtco `ttcltdil dl tmc jdtcr`tsrc* `lo `u
usem tmdu umisjo bc rcf`roco `u `l c}~jir`tir utso, Dt umisjo bc ch~m`udwco tm`t
eiirodl`tdil du lit m`rhildw`tdil, _mc slocrjdlf ceilihde* adl`led`j* `lo `ets`rd`j `l`jtdeu
`rc odaacrclt air ~cludil `lo mc`jtme`rc ~rifr`hu, Hirciqcr* ~cludilu `rc air ijo `fc; mc`jtm
e`rc lccou `rc air jdac, _mcrc `rc jdlk`fcu bctvccl mc`jtme`rc `lo ~cludil ~rifr`hu*
mivcqcr* air c}`h~jc dl tmc eijjcetdil ia eiltrdbstdilu* `ohdldutr`tdqc `lo rceiro kcc~dlf
`etdqdtdcu* vmdem h` eiltrdbstc tiv`rou u`qdlfu dl tit`j rcuisrec eiutu,
Dt du `jui sucasj ti rcf`ro mc`jtme`rc `lo ~cludilu `u ` bslojc ia fiiou `lo ucrqdecu tm`t tmc
cjocrj vdjj lcco ti eilushc, _mdu bslojc ia ucrqdecu rc~rcucltu ` udfldade`lt um`rc ia l`tdil`j
dleihc -s~ ti 2># dl ICEO eisltrdcu$, Miv tmdu bslojc ia ucrqdecu du adl`leco `lo irf`ldwco
eisjo lit ilj dh~`et il tmc `ocps`e ia esrrclt mc`jtme`rc `lo ~cludil `rr`lfchcltu* bst
il itmcr dh~irt`lt `rc`u `u vcjj, Air c}`h~jc* bcttcr eiirodl`tdil bctvccl tmc tvi ~rifr`hu
0Dl 2>0>* tmc ~i~sj`tdil `fco iqcr 1> v`u 4,4# ia tmc tit`j ~i~sj`tdil* jivcr tm`l tmc eirrcu~ilodlf um`rc
fjib`jj ia 00,>#, Mivcqcr b 2>5>* @ud`u um`rc `t 01,6# du ~rigcetco ti c}ecco tm`t ia tmc virjo -01,3#$,
Udhdj`r trclou `rc ~rigcetco air tmc hcod`l `fc ia tmc ~i~sj`tdil, Jdac c}~cet`le `t bdrtm dl @ud` du c}~cetco ti
dlerc`uc arih 6>,5 dl 2>0> ti 65,1 dl 2>5>* vdtm h`l @ud`(^`edade eisltrdcu c}mdbdtdlf hsem mdfmcr jcqcju
-SLOCU@ 2>0>$, _mcrc `rc* mivcqcr* udfldade`lt q`rd`tdilu `rislo tmcuc `qcr`fcu dl q`rdisu eisltrdcu* ui bri`o
`qcr`fcu `jilc umisjo lit fsdoc ~ijdedcu,
7/31/2019 Coordinating Healthcare and Pension Policies: An Exploratory Study
6/26
@OBD Virkdlf ^`~cr 56? B`jd `lo @umcr
?
eisjo a`edjdt`tc uied`j ucesrdt air hdfr`lt virkcru* utrclftmcl uied`j u`act lctu* `lo ~iudtdqcj
dh~`et ceilihde frivtm,
Dl h`l @ud`l eisltrdcu* tmdu bslojc ia ucrqdecu lccoco b tmc cjocrj du irf`ldwco `lo
ocjdqcrco il `l `o(mie b`udu slocr tmc rcu~iludbdjdt ia q`rdisu fiqcrlhclt `fcledcu `lo
oc~`rthcltu vdtm ilj jdhdtco eiirodl`tdil bctvccl tmch, _mdu ~`~cr `rfscu tm`t tmcar`fhcltco l`tsrc ia mc`jtme`rc `lo ~cludil ~rifr`hu dlerc`ucu tmc tit`j rcuisrec eiutu ia
adl`ledlf tmc bslojc ia ucrqdecu,
@u eisltrdcu dl @ud` `rc mctcrifclcisu dl tcrhu ia dleihc jcqcju* ceilihde `lo ~ijdtde`j
utrsetsrcu* dlutdtstdil`j ocqcji~hclt* ut`tc e`~`edtdcu* ochifr`~mde em`r`etcrdutdeu* `lo
c}dutdlf ~cludil `lo mc`jtme`rc uutchu* tmdu ~`~cr oicu lit `dh ti ~riqdoc ` bjsc~rdlt air
~ijde eiirodl`tdil bctvccl mc`jtme`rc `lo ~cludil `rr`lfchcltu, R`tmcr* dt c}~jircu tmc
q`rdisu `qclscu ia eiirodl`tdil tm`t `rc ac`udbjc vdtm ` qdcv ti hdldhdwdlf tmc eihbdlco
rcuisrec eiutu ocqitco ti h`l`fdlf `fcdlf,
_mc ~`~cr du irf`ldwco `u aijjivu, Em`~tcr 2 ~riqdocu tmc r`tdil`jc air ~ijde eiirodl`tdilbctvccl mc`jtme`rc `lo ~cludil `rr`lfchcltu, _mdu du aijjivco dl em`~tcr 5 b ` oduesuudil
ia tmc `rc`u vmcrc eiirodl`tdil bctvccl ~cludil `lo mc`jtme`rc ~ijdedcu h` bc ac`udbjc,
Ucjcetco e`uc utsodcu arih @ud` dlqijqdlf usem eiirodl`tdil `rc oduesuuco dl em`~tcr ?,
Em`~tcr 3 eilejsocu,
2, _MC R@_DIL@JC AIR ^IJDET EIIRODL@_DIL
_mcrc `rc ucqcr`j rc`uilu vm c}~jirdlf tmc ac`udbdjdt ia frc`tcr eiirodl`tdil bctvccl
~cludil `lo mc`jtme`rc hcrdtu eiludocr`tdil,Adrut* tmc eihbdlco c}~clodtsrc il tmcuc tvi ucrqdecu du j`rfc* dh~jdlf udfldade`lt ~itcltd`j
u`qdlfu tmrisfm bcttcr eiirodl`tdil, _`bjc 0 ~riqdocu o`t` il uied`j ucetir c}~clodtsrc dl
ICEO eisltrdcu air 2>>6, _mc o`t` usffcutu tm`t usem c}~clodtsrc `qcr`fco 04,21# ia friuu
oihcutde ~rioset -FO^$ dl 2>>6* vdtm ` vdoc r`lfc ia 2=,?# dl Ar`lec ti 6,20# dl Hc}dei,
_mc ICEO `qcr`fc air tmc ~sbjde ~cludil `lo mc`jtm e`rc c}~clodtsrc ti FO^ r`tdi v`u
02,=2* r`lfdlf arih 04,46 air Ar`lec ti ?,>5# air Hc}dei,
Dl @ud`l eisltrdcu* ~sbjde rcuisrecu ocqitco ti ~cludilu `lo mc`jtme`rc ~rifr`hu `rc jivcr
tm`l dl tmc ICEO eisltrdcu, _mc `qcr`fc ~sbjde c}~clodtsrc il mc`jtme`rc ~rifr`hu v`u
2,1# ia FO^ -VMI 2>>4$* `lo ~sbjde c}~clodtsrc il ~cludil ~rifr`hu du cutdh`tco tidlerc`uc arih 5# dl 044> ti 0># dl 2>3> -@OB 2>>1$, Air tmc u`hc ~crdio* ~rdq`tc
c}~clodtsrc il mc`jtme`rc `lo ~cludilu `u ` um`rc ia FO^ v`u 2,3# `lo 2,0#* rcu~cetdqcj*
ia FO^, Mivcqcr* cqcl tmcuc adfsrcu usffcut ` ~itcltd`j air udfldade`lt rcuisrec u`qdlfu arih
bcttcr eiirodl`tdil,
7/31/2019 Coordinating Healthcare and Pension Policies: An Exploratory Study
7/26
@OBD Virkdlf ^`~cr 56? B`jd `lo @umcr
3
_`bjc 07 Uied`j Ucetir C}~clodtsrc b Fiqcrlhcltu dl ICEO Eisltrdcu
-# Um`rc ia FO^* 2>>6$
^cludilu-ijo `fc`lousrqdqiru$
Mc`jtm Dleihcus~~irt titmc virkdlf`fc~i~sj`tdil
@jj itmcruied`jucrqdecuc}ec~tmc`jtm
^sbjdeuied`jc}~clodtsrc
ICEO 6,>> 3,=2 5,45 2,30 04,21
Ar`lec 02,?= 6,?4 ?,3= 5,=3 2=,?>Uvcocl 6,0= 1,1> 3,3= 6,46 26,55Fcrh`l 0>,60 6,=1 5,41 2,15 23,01Dt`j 0?,>3 1,13 2,66 0,54 2?,=1SldtcoKdlfoih
3,5= 1,=3 ?,33 5,61 2>,3?
Lctmcrj`lou ?,6? 3,4= 3,5= 5,46 2>,>=Ewcem
Rc~sbjde
6,?2 3,61 ?,56 0,2? 0=,64
G`~`l 4,66 1,5> 0,34 0,>3 0=,6>E`l`o` ?,04 6,>0 2,?1 5,2> 01,=1SldtcoUt`tcu
3,41 6,25 2,>2 >,44 01,2>
@sutr`jd` 5,51 3,6? ?,>0 2,4> 01,>2Emdjc 3,03 5,11 >,== >,== 0>,31_srkc 1,02 ?,0> >,0? >,00 0>,?=Rc~sbjde iaKirc`
0,14 5,3> >,=5 0,30 6,35
Hc}dei 0,5= 2,13 >,4> 2,2=6,20
Uisrec7 ICEO -2>0>$
Arih tmc ~cru~cetdqc ia tmc ceilih `u ` vmijc* tmc rcj`tdilumd~ bctvccl ~cludilu `lo
mc`jtme`rc eiutu du ` eih~jc} ilc, Dl h`l eisltrdcu* dlejsodlf tmc r`~doj frivdlf ceilihdcu
ia tmc ^RE* Dlod`* `lo Dloilcud`* tmc dledoclec ia jdacutjc oduc`ucu du frivdlf `lo tmcuc
oduc`ucu `rc `aacetdlf tmc virkdlf `fc ~i~sj`tdil `t ` islfcr `fc, Ocu~dtc ~iuudbjc u`qdlfu
il ~cludil eiutu osc ti mdfmcr lshbcru ir ~rch`tsrc oc`tmu rcusjtdlf arih jdacutjc oduc`ucu*
tmc rcusjtdlf jiuu dl ~riosetdqdt ti tmc ceilih `lo tmc rduc dl mc`jtme`rc eiutu osc ti jdacutjc
oduc`ucu eisjo istvcdfm `l usem u`qdlfu2
Bcttcr h`l`fchclt ia mc`jtme`rc c}~clodtsrc tmrisfm mc`jtm `fcdlf* `jui dlerc`ucu tmcrc`j q`jsc ia ~cludil dleihc, Air c}`h~jc* vmdjc eiltrijjdlf mc`jtme`rc c}~clodtsrc h` bc
, _mdu du sjtdh`tcj `l ch~drde`j pscutdil* vmdem m`u
lit ui a`r bccl c}tcludqcj rcuc`remco dl @ud`l eisltrdcu,
2Dl hiut eisltrdcu* mc`jtm e`rc eiutu `rc rdudlf `t ` a`utcr r`tc tm`l FO^ ~cr e`~dt`, _mc Ceilihdut -2>00$ rc~irtu
tm`t dl tmc ~`ut airt c`ru -risfmj arih 046> ti 2>0>$* mc`jtme`rc u~clodlf dl tmc SU riuc `t `l `lls`j r`tc ia
?,4#* bst `lls`j frivtm ia FO^ ~cr e`~dt` v`u ilj 2,0#, _mdu du slusut`dl`bjcda dt vcrc ti eiltdlsc* b 2>13
tmc SU visjo bc u~clodlf 0>># ia FO^ il mc`jtme`rc,
7/31/2019 Coordinating Healthcare and Pension Policies: An Exploratory Study
8/26
@OBD Virkdlf ^`~cr 56? B`jd `lo @umcr
1
odaadesjt osc ti tmc utiem`utde l`tsrc ia djjlcuucu* bcttcr h`l`fdlf mc`jtme`rc c}~clodtsrc
tmrisfm jc`odlf mc`jtmdcr jdacutjcu* ~rcqcltdqc e`rc* `lo ` hirc ui~mdutde`tco slocrut`lodlf
ia tmc msh`l bio h` `jui dlerc`uc ~srem`udlf ~ivcr osrdlf tmc rctdrchclt ~crdio, Arih `
h`ericeilihde ~cru~cetdqc* hirc caacetdqc suc ia ~rdh`r e`rc `lo uceilo`r e`rc tmrisfm
f`tc(kcc~cru `jui rcosecu mc`jtme`rc c}~clodtsrc,
_mc uceilo rc`uil eilecrlu tmc ~itcltd`j air bcttcr eiirodl`tdil ti hdtdf`tc tmc `oqcruc
dh~`et ia `fcdlf il ceilihde frivtm, Dt du liv vdocj `eec~tco tm`t ~i~sj`tdil `fcdlf vdjj
tclo ti jivcr j`bir(airec `q`dj`bdjdt `lo u`qdlfu r`tcu* tmcrcb r`dudlf eilecrlu `bist ` astsrc
ujivdlf ia ceilihde frivtm, Bjiih ct `j, -2>0>$ cutdh`tc tm`t ICEO eisltrdcu `rc jdkcj ti
ucc hiocut ocejdlcu dl tmc r`tc ia ceilihde frivtm `u tmcdr ~i~sj`tdilu `fc, Mivcqcr* tmc
`rfsc tm`t frc`tcr ach`jc j`bir airec ~`rtded~`tdil `lo fr`os`jj c}tclodlf tmc dlutdtstdil`j
rctdrchclt `fc e`l ~`rtd`jj hdtdf`tc tmc ceilihde eilucpsclecu ia `l ijocr ~i~sj`tdil, Dl
h`l @ud`l eisltrdcu* ocejdldlf acrtdjdt r`tcu vdjj e`suc j`bir(airec(ti(~i~sj`tdil r`tdiu ti rduc
`u tmc umrdlkdlf um`rc ia islf ~ci~jc vdjj hirc tm`l iaauct tmc ukcvdlf ia `osjtu tiv`rou tmc
ijocr `fcu -Bjiih ct `j, 2>0>$, _mcuc a`etiru usffcut tm`t ~i~sj`tdil `fcdlf h` litudfldade`ltj dh~coc tmc ~`ec ia ceilihde frivtm dl ocqcji~dlf eisltrdcu* da `~~ri~rd`tc
~ijdedcu `rc dlutdtstdil`jdwco,
Ribsut `lo usut`dlco ceilihde frivtm du ersed`j ti clusrc tm`t ~cludil `lo mc`jtme`rc
~rihducu rch`dl ercodbjc* `lo tm`t uied`j ucesrdt ~rifr`hu `rc adue`jj usut`dl`bdjdt -B`rr `lo
Od`hilo 2>>=$, Eiirodl`tco uied`j ucesrdt aslodlf -dlejsodlf mc`jtme`rc `lo ~cludilu$* da
dltcrhcod`tco tmrisfm adl`led`j `lo e`~dt`j h`rkctu* eisjo biiut l`tdil`j u`qdlfu `lo
dlqcuthcltu* `lo utdhsj`tc ceilihde frivtm, _mdu du `l c}`h~jc ia ` ~ijde rcu~iluc tm`t
eisjo mcj~ hdtdf`tc tmc `oqcruc dh~`et ia `fcdlf il ceilihde frivtm oduesuuco c`rjdcr,
Asrtmcr* oihcutde ~ijde rcu~ilucu* usem `u dlerc`udlf tmc dlutdtstdil`j rctdrchclt `fc* lcco tibc dh~jchcltco fr`os`jj `u tmc m`qc dh~irt`lt dh~jde`tdilu air j`bir h`rkctu* `u vcjj `u air
eilush~tdil* u`qdlfu* `lo ceilihde frivtm, _mc ocedudil ti c}dt tmc j`bir h`rkct `lo rctdrc du
b`uco dl ~`rt il `l dlodqdos`ju esrrclt `lo astsrc mc`jtme`rc `lo rctdrchclt adl`ledlf
`rr`lfchcltu, _i tmc c}tclt tmcuc `rr`lfchcltu dh~`et il `l dlodqdos`ju ocedudil ti c}dt tmc
j`bir h`rkct* ~ijde eiirodl`tdil e`l mcj~ a`edjdt`tc usem ` tr`ludtdil* `lo `jui cl`bjc ~rifrcuu
dl `jdfldlf tmc `qcr`fc caacetdqc rctdrchclt `fc vdtm tmc iaaded`j rctdrchclt `fc, @hilf tmc
ICEO eisltrdcu* vmdjc dl G`~`l `lo tmc Rc~sbjde ia Kirc` tmc caacetdqc rctdrchclt `fc air
hcl `lo vihcl du mdfmcr tm`l tmc iaaded`j `fc* tmc i~~iudtc du tmc e`uc dl Fcrh`l* @sutr`jd`*
`lo tmc Lctmcrj`lou -Ri 2>00c}mdbdt 01$,
_mc tmdro rc`uil du tm`t usem eiirodl`tdil e`l mcj~ a`edjdt`tc tmc c}tcludil ia uied`j ucesrdt
eiqcr`fc* `lo utrclftmcl uied`j u`act lctu, Esrrcltj* uied`j u`act lctu dl h`l @ud`l
eisltrdcu eih~rduc ia `o(mie ~rifr`hu rsl b odaacrclt fiqcrlhclt `fcledcu* oc~`rthcltu*
`lo ut`tstir bi`rou vdtm ilj jdhdtco eiirodl`tdil bctvccl tmch, Air c}`h~jc dl Dlod`* tmc
Hdldutr ia J`bisr* tmc Hdldutr ia Mc`jtm* tmc Hdldutr ia Rsr`j Ocqcji~hclt* `lo tmc Hdldutr
ia Adl`lec `rc dlqijqco dl ~riqdodlf air mc`jtme`rc adl`ledlf* rctdrchclt ucesrdt*
7/31/2019 Coordinating Healthcare and Pension Policies: An Exploratory Study
9/26
@OBD Virkdlf ^`~cr 56? B`jd `lo @umcr
6
slch~jihclt dlusr`lec* `lo virk fs`r`ltcc ~rifr`hu vdtm jdhdtco eiirodl`tdil dl tcrhu ia
t`rfctdlf ia bclcaded`rdcu* `ohdldutr`tdqc* `lo rceiro(kcc~dlf `etdqdtdcu, Eiirodl`tdil visjo
mcj~ dh~riqc eiqcr`fc* `lo cjdhdl`tc os~jde`tdil ia caairtu b hsjtd~jc fiqcrlhclt `fcledcu
`lo ~rifr`hu,
_mc aisrtm rc`uil du tm`t bitm ~cludil `lo mc`jtme`rc ~rifr`hu `rc `aacetco b em`lfdlfochifr`~mde ~`ttcrlu* ~`rtdesj`rj `oq`lecu dl jilfcqdt, Dleihc `lo mc`jtme`rc c}~clodtsrc
`rc ~iudtdqcj rcj`tco `lo mc`jtme`rc c}~clodtsrc dlerc`ucu odu~ri~irtdil`tcj vdtm rdudlf
jilfcqdt, Adfsrc 0 oc~detu tmc rcj`tdilumd~ bctvccl jdac c}~cet`le `lo ~cr e`~dt` mc`jtme`rc
c}~clodtsrc dl ICEO eisltrdcu dl 0463 `lo 2>>>, O`t` arih ICEO eisltrdcu usffcut tm`t
mc`jtm c}~clodtsrc air `l dlodqdos`j `fco `biqc 13 du aisr tdhcu tm`t ia `l dlodqdos`j `fco 03
1? `lo cdfmt tdhcu mdfmcr air tmc ijo(ijo `fc fris~ -ICEO 2>>1$, _`k``h`u -2>00$ cutdh`tc
ia mc`jtm c}~clodtsrc bcdlf ?,= tdhcu mdfmcr air `l dlodqdos`j `fco `biqc 13* sudlf
odu`ffrcf`tco `fc(u~cedade mc`jtm c}~clodtsrc o`t` arih G`~`l* eirribir`tcu tmc ICEO
adlodlfu, _mc odu~ri~irtdil`tc dlerc`uc dl ~cr e`~dt` mc`jtme`rc c}~clodtsrc du osc ti tmc
eihbdlco dh~`et ia dlerc`udlf eiut ia mc`jtme`rc ucrqdecu `uuied`tco vdtm dlliq`tdilu dluedclec `lo hcode`j tcemlijif `lo tmc frc`tcr suc ia hcode`j trc`thclt `u ~ci~jc `fc,
Adfsrc 07 ^cr E`~dt` Jdac C}~cet`le `lo Mc`jtme`rc C}~clodtsrc dl ICEO Eisltrdcu
Adfsrc 2 djjsutr`tcu tmc `qcr`fc tdhc u~clt dl rctdrchclt udlec 041>, Dl 041>* tmc `qcr`fc h`jc
dl ICEO eisltrdcu u~clt `bist 05 c`ru dl rctdrchclt* `lo tmc `qcr`fc ach`jc u~clt `bist 06
c`ru, B 2>0>* tmdu m`o dlerc`uco ti 0= c`ru `lo 25 c`ru* rcu~cetdqcj, Airce`utu arih tmc
Sldtco L`tdilu `lo ICEO usffcut tm`t `t esrrclt rctdrchclt `fcu* b 2>3> tmdu vdjj dlerc`uc ti
20 `lo 23* rcu~cetdqcj* ui tmc tdhc u~clt dl rctdrchclt m`u bccl dlerc`udlf, Dt du cqdoclt tm`t
tmc dlerc`ucu dl rctdrchclt `fc m`qc lit kc~t ~`ec vdtm dlerc`ucu dl jilfcqdt,
7/31/2019 Coordinating Healthcare and Pension Policies: An Exploratory Study
10/26
@OBD Virkdlf ^`~cr 56? B`jd `lo @umcr
=
Adfsrc 27 Jdac C}~cet`le `t ^cludil`bjc `fc -041>2>3>$
Uisrec7 ICEO -2>00$
_mc ibucrq`tdilu dl Adfsrcu 0 `lo 2 m`qc dh~irt`lt dh~jde`tdilu air adl`ledlf mc`jtme`rc `lo
~cludil c}~clodtsrc, Eiirodl`tdil bctvccl mc`jtme`rc `lo ~cludil ~ijdedcu `lo ~rifr`hu e`l
cl`bjc fiqcrlhcltu ti bcttcr `oorcuu tmc ceilihde eiutu ia `oq`lecu dl jilfcqdt,
Adatm* bcttcr eiirodl`tdil e`l a`edjdt`tc ~riqdudil ia uied`j ucesrdt bclcadtu air hdfr`lt virkcru,
Ajivu ia hdfr`lt virkcru `eriuu fcifr`~mde`j birocru dl @ud`l eisltrdcu `lo arih istudoc tmc
rcfdil m`qc dlerc`uco vdtm fjib`jdw`tdil `lo frc`tcr dltcfr`tdil ia eisltrdcu dl tmc fjib`j
ceilih, Mivcqcr* hdfr`lt virkcru dl hiut eisltrdcu `rc lit rcpsdrco ti eiltrdbstc ti uied`j
ucesrdt ~rifr`hu ia tmc rced~dclt eisltr* ir dl tmcdr eisltr ia irdfdl -c,f,* Udlf`~irc `lo
H`j`ud`$, _mcrc m`u bccl `l dlerc`uco rceifldtdil b ~ijdeh`kcru* `lo frc`tcr caairt dl
uihc eisltrdcu usem `u Dlod`* ^mdjd~~dlcu* `lo G`~`l ti c}tclo uied`j ucesrdt eiqcr`fc air
hdfr`lt virkcru sudlf _it`jdw`tdil @frcchcltu5
5
_it`jdw`tdil `frcchcltu `rc udhdj`r ti oisbjc t`}`tdil trc`tdcu* `lo clusrc tm`t dlodqdos`ju oi lit ~` uied`j
ucesrdt t`}cu ir eiltrdbstdilu dl hirc tm`l ilc gsrduodetdil* ir `jtcrl`tdqcj `qido ~`dlf tmch `jj tifctmcr, _mcuc
`frcchcltu `jui mcj~ adjj f`~u dl bclcadtu jcqcju ia dlodqdos`ju vmi m`qc virkco air udfldade`lt ~crdiou ia tdhc dl
hsjtd~jc eisltrdcu,
ir bdj`tcr`j `frcchcltu udhdj`r ti Oisbjc _`}
_rc`tdcu, Eiirodl`tdil bctvccl mc`jtme`rc `lo ~cludil ~rifr`hucu~ced`jj il eijjcetdlf
eiltrdbstdilu* `lo dlqcuthclt h`l`fchclt ia hdfr`lt virkcru eiltrdbstdiluvisjo clusrc
tm`t tmc hdfr`lt virkcr m`u eiltdlsco uied`j ucesrdt ~ritcetdil, Air c}`h~jc* vdtmist
eiirodl`tdil ` miut eisltr visjo m`qc ti lcfitd`tc uc~`r`tc `frcchcltu vdtm tmc ~cludil
~rifr`h -slocr Hdldutr ia J`bir dl hiut eisltrdcu$* vdtm tmc mc`jtme`rc ~rifr`h -slocr tmc
Hdldutr ia Mc`jtm$* `lo itmcr uied`j ucesrdt ~rifr`hu, Eiirodl`tdil eisjo rcosec tmc
tr`lu`etdil eiut ia tit`jdw`tdil `frcchcltu,
7/31/2019 Coordinating Healthcare and Pension Policies: An Exploratory Study
11/26
@OBD Virkdlf ^`~cr 56? B`jd `lo @umcr
4
Asrtmcr* `u eisltrdcu hiqc `v` arih ocadlco bclcadt ti ocadlco eiltrdbstdil t~c ia rctdrchclt
uemchcu* tmc ocludt ia eiltrdbstdilu?
J`utj* eiirodl`tdil bctvccl ~rifr`hu eisjo `uudut dl bcttcr ~sbjde adl`led`j h`l`fchclt, Dlh`l eisltrdcu mc`jtm `lo ~cludil ~rifr`hu `rc irf`ldwco ir adl`leco b tmc ut`tc, Dlodqdos`j
eiltrdbstdilu ti tmcuc ~rifr`hu `rc tmsu cpsdq`jclt ti ` t`} il v`fc dleihc* `lo m`qc udhdj`r
cpsdt `lo caadedcle dh~jde`tdilu `l dleihc t`}, Eiludocrdlf tmc cpsdt ir caadedcle
dh~jde`tdilu ia ` ~`rtdesj`r t`} -ir rcqclsc$ ti adl`lec ` ~`rtdesj`r ~rifr`h -ir c}~clodtsrc$ du
lit cltdrcj sucasj
ia c`em dlodqdos`j ti mc`jtme`rc `lo rctdrchclt adl`ledlf
~rifr`hu bceihcu dlerc`udlfj dh~irt`lt, Eiirodl`tdil e`l `jui mcj~ a`edjdt`tc mdfmcr ocludt
ia eiltrdbstdilu tmrisfm tit`jdw`tdil `frcchcltu air hdfr`lt virkcru,
3* `u dt du tmc eihbdlco dledoclec ia `jj t`}cu
1
@l dlerc`uc dl tmc eiltrdbstdil r`tc b cdtmcr UMD ~rifr`h ir tmc ~sbjde ~cludil ~rifr`h
udlfsj`rj* vdtmist ~ijde eiirodl`tdil bctvccl tmc tvi* visjo odqcrt odu~ri~irtdil`tc
rcuisrecu tiv`rou ` ~`rtdesj`r `etdqdt -cdtmcr mc`jtme`rc ir ~cludilu dl tmdu e`uc$, Vmcl cdtmcr
~rifr`h du eiltch~j`tdlf dlerc`udlf tmc eiltrdbstdil r`tc* tmc eihbdlco eiltrdbstdil r`tc ia
=# m`u dh~irt`lt dh~jde`tdilu* `lo lit ilj tmc eiltrdbstdil r`tcu ia tmc dlodqdos`j ~rifr`hu
-2# `lo 1#* rcu~cetdqcj$, _mdu du bce`suc dt du tmc u`hc b`uc il vmdem eiltrdbstdilu `rc
jcqdco, _msu* dlerc`ucu dl eiltrdbstdil r`tcu ti cdtmcr ia tmc ~rifr`hu vdjj rcosec tmc tit`j
rcuisrecu `q`dj`bjc ti adl`lec itmcr ~rifr`hu, Dt du ilj vdtm ~ijde eiirodl`tdil tm`t
`~~ri~rd`tc tr`oc(iaau bctvccl q`rdisu eih~ctdlf ~rdirdtdcu `lo ~rifr`hu e`l bc `emdcqco,
tm`t h`ttcru, C}tclodlf tmc
`rfshclt ti mc`jtme`rc `lo ~cludil ~rifr`hu usffcutu tm`t tmcrc du ` utrilf e`uc air ~ijde
eiirodl`tdil, Air c}`h~jc* eiludocr ` m~itmctde`j eisltr vmdem rcpsdrcu hchbcru ti
eiltrdbstc 2# ia tmcdr v`fc dleihc ti tmc uied`j mc`jtm dlusr`lec -UMD$ ~rifr`h* `lo 1# ia
tmcdr v`fc dleihc ti ` ~sbjde ~cludil ~rifr`h* `hisltdlf ti ` eihbdlco eiltrdbstdil r`tc ia
=#,
?_mc ocludt ia eiltrdbstdilu rcacru ti tmc `ets`j eiltrdbstdilu h`oc ti tmc mc`jtme`rc ir ~cludil aslo b `l
dlodqdos`j odqdoco b tmc ~itcltd`j h`}dhsh lshbcr ia eiltrdbstdilu tmrisfmist tmc jdac u~`l, _mc ocludt ia
eiltrdbstdilu dh~`etu tmc `ocps`e ia tmc bclcadt jcqcj dl ~src ocadlco eiltrdbstdil ~cludil ~rifr`hu; `lo tmc
dlecltdqcu ti eiltrdbstc dl mc`jtme`rc ~rifr`hu,
3_mc caacetdqclcuu ia c`rh`rkco t`}cu ti adl`lec ` ~`rtdesj`r ~rifr`h du utdjj ocb`tco, H`l m`qc eiludocrco dt ti
bc `l caadedclt uisrec* `u dt dlerc`ucu `eeislt`bdjdt `lo clusrcu ` ecrt`dl uisrec ia rcqclsc du h`temco vdtm
ecrt`dl c}~clodtsrc, Bst usem `l `rr`lfchclt `jui rcosecu tmc adue`j ajc}dbdjdt ia tmc ut`tc `lo ~rihitcu tmc
airh`tdil ia `oqie`e ei`jdtdilu `lo dltcrcut fris~u `uuied`tco vdtm ecrt`dl ~sbjde c}~clodtsrc ~rifr`hu,
1Dledoclec ia t`}`tdil rcacru ti vmi sjtdh`tcj ~`u tmc t`}, Ceilihde tmcir usffcutu tm`t tmc dledoclec ia
t`}`tdil du octcrhdlco b tmc cj`utdedtdcu ia och`lo `lo us~~j, Dl cq`js`tdlf tmc cpsdt `lo caadedcle ia t`}cu
tmc eihbdlco dledoclec ia t`}cu `rc dh~irt`lt bce`suc odaacrclt t`}cu m`qc odaacrclt `jjie`tdqc `lo odutrdbstdil`j
`aacetu -Hsufr`qc 0434$, Dl uied`j ucesrdt ~rifr`hu* `u dt du tmc u`hc b`uc tm`t du bcdlf t`}co -v`fc dleihc$*
tmc eihbdlco dledoclec ia `jj uied`j ucesrdt t`}cu ~j` `l dh~irt`lt rijc,
7/31/2019 Coordinating Healthcare and Pension Policies: An Exploratory Study
12/26
@OBD Virkdlf ^`~cr 56? B`jd `lo @umcr
0>
Eiltrdbstdil r`tcu ti ` r`lfc ia uied`j ucesrdt ~rifr`hu air ucjcetco @ud`l eisltrdcu `rc
umivl dl _`bjc 2, _mc eiltrdbstdil r`tcu ti rctdrchclt adl`ledlf `lo `uuied`tco ~rifr`hu
r`lfc arih 1# ti lc`rj 5># ia `l dlodqdos`ju v`fc dleihc* vmdjc eiltrdbstdilu air `jj uied`j
ucesrdt ~rifr`hu -dlejsodlf mc`jtme`rc `lo slch~jihclt dlusr`lec$ r`lfc arih 4,2# ti
?>#6
6
_mc b`uc il vmdem tmc eiltrdbstdil du jcqdco `jui q`rdcu vdocj bctvccl tmc u`h~jc eisltrdcu,
, Ui eiltrdbstdil r`tcu ia uied`j ucesrdt ~rifr`hu q`r vdocj bctvccl @ud`l eisltrdcu,
_mdu vdoc r`lfc asrtmcr slocrueircu tmc dh~irt`lec ia ~ijde eiirodl`tdil bctvccl q`rdisu
uied`j ucesrdt ~rifr`hu -mc`jtme`rc `lo ~cludil ~rifr`hu `eeisltdlf air ` udfldade`lt um`rc$
vdtmdl eisltrdcu bcdlf jcqdco il tmc u`hc b`uc* d,c,* v`fc dleihc,
7/31/2019 Coordinating Healthcare and Pension Policies: An Exploratory Study
13/26
@OBD Virkdlf ^`~cr 56? B`jd `lo @umcr
00
_`bjc 27 Eiltrdbstdil R`tcu ti Uied`j Ucesrdt ^rifr`hu dl Ucjcetco Eisltrdcu
Ceilih
Eiltrdbstdil R`tcu air cludilu*Odu`bdjdt* `lo Usrqdqiru ^rifr`hu
Eiltrdbstdil R`tcu air @jj Uied`jUcesrdt ^rifr`hu
Dlusrco ~cruil Ch~jicr _it`j Dlusrco~cruil Ch~jicr _it`j
BrslcdO`rsuu`j`h
=,3 =,3 06,> =,3 =,3 06,>
^RE =,> 2>,> 2=,> 00,> 24,> ?>,>
Milf Kilf*Emdl`
3,> 3,> 0>,> 3,> 3,> 0>,>
Dlod` 02,> 06,1 24,1 05,= 22,? 51,0
Dloilcud` 2,> ?,> 1,> 2,> 6,2 4,2
G`~`l 6,4 6,4 03,6 05,0 05,= 21,4
H`j`ud` 00,3 02,3 2?,> 00,3 05,= 23,5
^mdjd~~dlcu 2,5 6,>6 0>,? ?,1 =,5 02,4
Udlf`~irc 2>,> 03,> 53,> 2>,> 03,> 53,>
Rc~sbjde iaKirc`
?,3 ?,3 4,> 6,= =,6 01,3
Urd J`lk` =,> 02,> 2>,> =,> 02,> 2>,>
_`d~cd*Emdl` 0,5 0>,1 00,4 2,4 0?,3 06,?
_m`dj`lo 5,? 5,? 1,4 3,> 3,2 0>,2
Qdct L`h 1,> 02,> 0=,> =,3 2>,> 2=,3
Uisrec7 Cutdh`tco arih Iaaded`j Rc~irtu; UU@ -2>0>$
5, @RC@U IA EIIRODL@_DIL
_mc ~rcqdisu em`~tcr oduesuuco tmc r`tdil`jc air frc`tcr eiirodl`tdil dl mc`jtme`rc `lo
~cludil ~rifr`hu, _mdu em`~tcr oduesuucu tmc q`rdisu ~iuudbjc `rc`u air eiirodl`tdil dl
mc`jtme`rc `lo ~cludil ~rifr`hu,
7/31/2019 Coordinating Healthcare and Pension Policies: An Exploratory Study
14/26
@OBD Virkdlf ^`~cr 56? B`jd `lo @umcr
02
5,0 Eiirodl`tdil dl Eijjcetdil ia Eiltrdbstdilu
_mcrc `rc tvi b`ude hiocju air irf`ldwdlf ~sbjde ~cludilutmc uied`j dlusr`lec hiocj `lo
tmc bclcadt ~`hclt hiocj -Riuu 2>00$, _mc uied`j dlusr`lec hiocj m`lojcu `jj h`gir
asletdilu dlejsodlf tmc eijjcetdil ia eiltrdbstdilu `lo tmc odutrdbstdil ia bclcadtu ti hchbcru,_mcuc `rc aislo dl Ar`lec* Fcrh`l* Br`wdj* Hc}dei* G`~`l* `lo _m`dj`lo* air c}`h~jc, _mc
bclcadt ~`hclt hiocj rcjdcu il tmc t`} `ohdldutr`tdil uutch air tmc eijjcetdil ia hchbcr
eiltrdbstdilu* bst ~`u bclcaded`rdcu odrcetj, C}`h~jcu ia usem `rr`lfchcltu `rc aislo dl tmc
Sldtco Ut`tcu* E`l`o`* tmc Sldtco Kdlfoih* Uvcocl* `lo @sutr`jd`, _mc dlqcuthclt asletdil
dl tmdu hiocj du cdtmcr m`lojco dl(misuc usem `u dl Uvcocl* ir du uisreco ti `litmcr
irf`ldw`tdil usem `u tmc _rc`usr Oc~`rthclt dl tmc Sldtco Ut`tcu,
_mc eijjcetdil ia eiltrdbstdilu rslu ~`r`jjcj ti tmc t`} `ohdldutr`tdil uutch dl tmc uied`j
dlusr`lec hiocj* `lo du dltcfr`tco vdtm tmc t`} `ohdldutr`tdil uutch dl tmc bclcadt ~`hclt
hiocj, Riuu -2>007 16$ `rfscu* mdutirde`jj dl Vcutcrl Csri~c ~`r`jjcj uutchu ocqcji~co*bst dl itmcr ~j`ecu dltcfr`tco eijjcetdil uutchu m`qc `jv`u ~rcq`djco* `u dl tmc Sldtco
Ut`tcu* @hcrde` `lo @sutr`jd`, Dl tmcuc eisltrdcu uied`j dlusr`lec dlutdtstdilu ocqcji~co j`tcr
`lo eisjo caacetdqcj suc cut`bjdumco t`} eijjcetdil uutchu,
Udhdj`rj* air ~sbjde mc`jtme`rc ~rifr`hu tmcrc `rc tvi bri`o hiocjutmc uied`j dlusr`lec
hiocj `lo tmc bclcadt ~`hclt hiocj, Mivcqcr* tmc t~cu ia uied`j dlusr`lec ir bclcadt
~`hclt hiocju tm`t eisltrdcu suc ti adl`lec mc`jtme`rc ~j`lu odaacr vdocj, _mcuc rcj`tc ti
vmctmcr tmc uied`j dlusr`lec hiocj ocjdqcru mc`jtme`rc ucrqdecu odrcetj ir tmrisfm ` lctvirk
ia eiltr`etco ~riqdocru; ir vmctmcr tmcrc du ` udlfjc mc`jtme`rc aslo ir eih~ctdlf aslou tm`t
dlodqdos`ju e`l emiiuc arih -_mc Lctmcrj`lou$ ir `rc `uudflco ti -G`~`l$
^rcodet`bj* ` ~`r`jjcj eijjcetdil uutch du hirc c}~cludqc* `u dltcfr`tco eijjcetdil uutchu
m`qc jivcr `ohdldutr`tdqc eiutu -Riuu 2>00$, Dl Udlf`~irc; H`j`ud`; `lo Milf Kilf* Emdl`
tmc ~riqdoclt aslo eijjcetu tmc eihbdlco eiltrdbstdilu air bitm mc`jtme`rc `lo ~cludil
~rifr`hu; vmdjc tvi uc~`r`tc irf`ldw`tdilu eijjcet mc`jtme`rc `lo ~cludil eiltrdbstdilu dl tmc
^mdjd~~dlcu, _mc Rc~sbjde ia Kirc` rcecltj dltcfr`tco tmc eijjcetdil ia eiltrdbstdilu ti tmc
mc`jtme`rc `lo ~cludil ~rifr`hu, Eiltrdbstdilu m`o bccl eijjcetco uc~`r`tcj* bst udlec 2>00
eiltrdbstdilu ti bitm ~rifr`hu m`qc bccl eijjcetco b tmc L`tdil`j Mc`jtm Dlusr`lec
Eir~ir`tdil -LMDE$* vmdem du `jui fdqcl tmc rcu~iludbdjdt air `ohdldutr`tdqc `lo rceiro(
kcc~dlf `etdqdtdcu ia bitm ~rifr`hu, @ eihbdlco* ecltr`jdwco eijjcetdil ia mc`jtme`rc `lo
~cludil eiltrdbstdilu `jjivu u`qdlfu dl `ohdldutr`tdqc eiutu* cdtmcr tmrisfm tmc cut`bjdumco t`}uutch ir tmrisfm tmc irf`ldw`tdil h`l`fdlf tmc ~rifr`hu
=
=
_mc c}tclt ti vmdem eiut u`qdlfu e`l bc rc`jdwco dl q`rdisu eisltrdcu vmcl ecltr`jdwco eijjcetdil hctmiou `rc
suco du `l ch~drde`j pscutdil* `lo m`u lit rcecdqco `ttcltdil dl tmc jdtcr`tsrc,
,
7/31/2019 Coordinating Healthcare and Pension Policies: An Exploratory Study
15/26
@OBD Virkdlf ^`~cr 56? B`jd `lo @umcr
05
5,2 Eiirodl`tdil ia @ohdldutr`tdqc Asletdilu* O`t`* `lo Rceiro(
kcc~dlf @etdqdtdcu
Uied`j ucesrdt irf`ldw`tdilu e`l rc`jdwc eiludocr`bjc ceilihdcu ia ue`jc tmrisfm eiirodl`tdilia `ohdldutr`tdqc asletdilu* ~`rtdesj`rj dl o`t` `lo rceiro(kcc~dlf `etdqdtdcu, @ ecltr`jdwco
eijjcetdil uutch `lo rceiro(kcc~dlf `etdqdtdcu rcosecu tr`lu`etdilu eiut* `lo hiut
dh~irt`ltj cjdhdl`tcu v`utcasj c}~clodtsrc il os~jde`tdil ia ucrqdecu, Asrtmcr* usem
eiirodl`tdil a`edjdt`tcu tit`jdw`tdil `frcchcltu `lo ~irt`bdjdt ia ~cludil `lo mc`jtme`rc
bclcadtu,
5,5 Eiirodl`tdil dl Dlqcuthclt H`l`fchclt
@l dh~irt`lt pscutdil tm`t lccou ti bc `oorcuuco dl tmdu eiltc}t du vmctmcr dt du caadedclt tim`qc udlfjc ir hsjtd~jc eih~ctdlf aslou air ~sbjde mc`jtme`rc `lo ~sbjde ~cludil ~rifr`hu,
@litmcr pscutdil du vmctmcr ` e`uc e`l bc h`oc air ` eihbdlco mc`jtme`rc `lo ~cludil aslo*
cu~ced`jj da bitm aslou m`qc tmc u`hc dlqcuthclt h`lo`tc `lo `rc usbgcet ti ut`tstir
rcpsdrchcltu il tmc ocfrccu ia c}~iusrc ti odaacrclt `uuct ej`uucu,
_mc ut`lo`ro `rfshclt dl a`qir ia hsjtd~jc aslou du tm`t dt rcosecu tmc hili~ij ~ivcr ia c`em
aslo* ~rihitcu eih~ctdtdil vmdem airecu aslou ti rcosec tmcdr `ohdldutr`tdqc eiutu* `lo
rcosecu uutchde rduk4
@ rcj`tco duusc du vmctmcr dlqcuthcltu dl mc`jtme`rc `lo ~cludil aslou umisjo bc slocrt`kcl
gidltj, _mcrc m`u bccl ilj jdhdtco rcuc`rem il tmdu duusc, Bitm ~cludil `lo mc`jtme`rc asloum`qc odaacrclt jd`bdjdt utrsetsrcu* `lo tmc q`rd`lec dl bclcadt ~`hcltu* dl bitm ocadlco
, _mdu `rfshclt* mivcqcr* du b`uco il tmc `uush~tdil tm`t hchbcru ia
tmc mc`jtme`rc ir ~cludil ~rifr`h m`qc tmc arccoih ti emiiuc bctvccl eih~ctdlf aslou,
Hirciqcr* da aslou `rc rcpsdrco ti m`qc udhdj`r dlqcuthclt h`lo`tcu ir c}~iusrc ti odaacrclt
`uuct ej`uucu tmcrc h` bc jdttjc caacetdqc eih~ctdtdil `u c`em du eilutr`dlco b rcfsj`tdil `lo
vdjj iaacr udhdj`r rctsrlu, Da* mivcqcr* aslo h`l`fcru `rc `jjivco ti eih~ctc b iaacrdlf
~`ek`fcu tm`t odaacr dl uihc odhcludilu* tmc emidec `lo eih~ctdtdil vdjj fdqc aslou `l
dlecltdqc ti bc eiut caacetdqc* `lo dlerc`ucu ceilihde caadedcle, _mdu du lit tmc e`uc dl
mc`jtme`rc `lo ~cludil ~j`lu dl hiut @ud`l eisltrdcu, Dlodqdos`ju oi lit m`qc tmc i~tdil ia
ucjcetdlf arih eih~ctdlf hsjtd~jc aslou; dl hiut eisltrdcu* tmcrc du ` uc~`r`tc mc`jtm
dlusr`lec aslo `lo ` uc~`r`tc ~cludil aslo tm`t h`l`fcu tmcdr rcu~cetdqc `uuctu `lo
jd`bdjdtdcu,
4^cludil `lo mc`jtme`rc uutchu `rc `aacetco b h`ericeilihde* ochifr`~mde* tcemlijif* j`bir h`rkct* `lo
adl`led`j umieku, C`em ia tmcuc eisjo* dlodqdos`jj ir eijjcetdqcj* slocrhdlc tmc qd`bdjdt ia tmc ~cludil ir
mc`jtme`rc uutch b dlerc`udlf tmc rduk a`eco, Odqcrudade`tdil `lo dlerc`uco eih~ctdtdil `hilfut aslo
h`l`fcru rcosecu uutchde rduk dl tmc mc`jtme`rc ir ~cludil uutchu,
7/31/2019 Coordinating Healthcare and Pension Policies: An Exploratory Study
16/26
@OBD Virkdlf ^`~cr 56? B`jd `lo @umcr
0?
eiltrdbstdil `lo ocadlco bclcadt ~cludil ~rifr`hu* du `rfs`bj uh`jjcr tm`l tmc q`rd`lec dl
~`hcltu dl mc`jtme`rc aslou, _mdu du osc ti tmc utiem`utde l`tsrc ia djjlcuucu `lo tmc
slecrt`dlt `bist tmc eiut ia trc`thclt, Vmdjc dt du dlocco odaadesjt ti `eesr`tcj ~rigcet tmc
jd`bdjdtdcu dl ~cludil aslou* cu~ced`jj osc ti r`~doj em`lfdlf ochifr`~mde ~riadjcu `lo
`oq`lecu dl jilfcqdt* dt du `rfs`bj c`udcr ti cutdh`tc tmc c}~cetco c}~clodtsrc ia ~cludil
~j`lu tm`l tm`t ia mc`jtme`rc ~j`lu, Dt e`l bc `rfsco tm`t tmc odaacrclec dl tmc jd`bdjdt
utrsetsrcu bctvccl mc`jtme`rc `lo ~cludil ~rifr`hu visjo dh~`et tmc dlqcuthclt ocedudilu
ia tmcdr rcu~cetdqc aslou, _mdu tmcl dh~jdcu tm`t tmcrc du ` e`uc ti eiludocr uc~`r`tc dlqcuthclt
h`l`fchclt ia mc`jtme`rc `lo ~cludil aslou,
5,? Eiirodl`tdil ia _`} _rc`thclt
_mc t`} trc`thclt ia rctdrchclt `lo mc`jtme`rc adl`ledlf dlutrshcltu lcco ti bc eiirodl`tco ti
clusrc cpsdt`bjc t`} trc`thclt air ~riqdocru ia usem dlutrshcltu `lo `hilf tmc dlutrshcltu,
Dl h`l ceilihdcu dlejsodlf Dlod`* Udlf`~irc* `lo _m`dj`lo t`} trc`thclt air h`l rctdrchclt`lo mc`jtme`rc adl`ledlf dlutrshcltu* `lo tmcdr ~riqdocru q`rdcu eiludocr`bj, _mdu rcusjtu dl
udfldade`ltj odaacrdlf rcj`tdqc ~rdecu air odaacrclt dlutrshcltu; `lo dl odaacrdlf `oq`lt`fcu ti
~riqdocru, _mdu `aacetu eiltch~ir`lcisu `lo tch~ir`j ocedudilu tm`t dlodqdos`ju h`kc
rcf`rodlf eilush~tdil `lo u`qdlfu,
_r`ludtdildlf ti hirc cpsdt`bjc trc`thclt mivcqcr ~iucu em`jjclfcu dlejsodlf ucesrdlf
~ijdtde`j eiluclusu air tmc t`} em`lfcu, _r`ludtdil eiutu `lo tmcdr h`l`fchclt visjo dh~`et
il tmc ~`ec `lo c}tclt ti vmdem usem eiirodl`tdil du ac`udbjc,
5,3 Dltr` ^rifr`h Eiirodl`tdil
Lit ilj du tmcrc ` utrilf e`uc air ~ijde eiirodl`tdil `hilfut mc`jtme`rc `lo ~cludil
~rifr`hu* bst `jui `hilf q`rdisu mc`jtme`rc ~rifr`hu il tmc ilc m`lo* `lo `hilf q`rdisu
~cludil ~riosetu ir ~rifr`hu il tmc itmcr, _mc rc`uildlf du `u aijjivu,
_mcrc du eiluclusu `hilfut ~cludil `lo uied`j ucesrdt ~r`etdtdilcru `lo c}~crtu tm`t tmc
rc~j`echclt r`tcu0>
0>
_mc Rc~j`echclt R`tc du tmc r`tdi ia dleihc ~iut(rctdrchclt ti tmc j`ut or`vl u`j`r ia tmc ~cludilcr,
-arih `jj uisrecu ia dleihc osrdlf tmc rctdrchclt ~crdio$ umisjo bc `bist
1>#* ti ~ritcet `f`dlut jilfcqdt* dlaj`tdil* `lo usrqdqiru rduku -ICEO 2>00$, @u dlodqdos`ju
vdjj rcj il hsjtd~jc dlutrshcltu* rctdrchclt ~riosetu* ir ~cludil ~rifr`hu ti `emdcqc tmdu
rc~j`echclt r`tc* tmcrc du ` e`uc air ~ijde eiirodl`tdil `hilf tmc q`rdisu dlutrshcltu h`oc`q`dj`bjc -~riqdoclt aslo* uied`j dlusr`lec* uied`j ~cludilu* e`~dt`j `lo adl`led`j h`rkct
~riosetu* `llsdtdcu* cte,$ ti tmc ~cludilcr ti clusrc tm`t tmc tit`j rcuisrec eiutu ocqitco `rc
hdldhdwco,
7/31/2019 Coordinating Healthcare and Pension Policies: An Exploratory Study
17/26
@OBD Virkdlf ^`~cr 56? B`jd `lo @umcr
03
_mc e`uc air ~ijde eiirodl`tdil `hilfut q`rdisu mc`jtme`rc ~rifr`hu du hirc eih~jc}, _mdu
du bce`suc ia dlmcrclt h`rkct a`djsrcu* `lo ti ` jcuucr c}tclt tmc fiqcrlhclt a`djsrcu rcf`rodlf
tmc ~riqdudil `lo ocjdqcr ia mc`jtme`rc ucrqdecu -Bjihpqdut 2>00$, Vmdjc uihc mc`jtme`rc
ucrqdecu m`qc em`r`etcrdutdeu ia ~sbjde fiiou -dhhsldw`tdil* q`eedl`tdil ~rifr`hu* cte,$* hiut
mc`jtme`rc ucrqdecu `rc ~rdq`tc fiiou, Asrtmcr* tmc h`rkct air mc`jtme`rc ucrqdecu du
em`r`etcrdwco b dlairh`tdil `uhhctr* hir`j m`w`ro* `oqcruc ucjcetdil* cte,; tmcrc du tmsu `
rijc air tmc ut`tc dl tmc ~riqdudil ia mc`jtme`rc ucrqdecu* `lo ti `jui hdldhdwc tmc dh~`et ia
h`rkct a`djsrcu dl mc`jtme`rc00
@u dlodqdos`ju h` rcj il bitm ~sbjde `lo ~rdq`tc ~rifr`hu air mc`jtme`rc ~ritcetdil*
eiirodl`tdil `lo rcfsj`tdil `hilf q`rdisu mc`jtme`rc ~rifr`hu -~sbjde `lo ~rdq`tc$ vdjj mcj~
hdldhdwc tmc tit`j rcuisrec eiutu ocqitco ti adl`ledlf mc`jtme`rc, Usem eiirodl`tdil h`ldacutu
dtucja dl eiltrijjdlf tmc us~~j ia bcou -~sbjde `lo ~rdq`tc$ `eriuu `jj jcqcju ia u~ced`jdt e`rc
-~rdh`r* uceilo`r* `lo tcrtd`r$ dl ~`rtdesj`r `rc`u, _vi eih~ctdlf u~ced`jdt miu~dt`ju
ucrqdlf ` uh`jj fcifr`~mde`j jie`tdil h` bc caadedclt dl ` l`rriv tcemlde`j ucluc* bst
dlcaadedclt arih ` bri`ocr uiedct`j rcuisrec eiut ~cru~cetdqc,
,
Hiut uied`j ucesrdt ~rifr`hu m`qc `l cjchclt ia virkh`lu eih~clu`tdil tm`t rcj`tcu ti
mc`jtme`rc bclcadtu air `l ch~jicc dl tmc cqclt ia ` virk(rcj`tco dlgsr ir `eedoclt, _mdu du
t~de`jj ~riqdoco air vdtm tmc ~cludil ~rifr`hdlejsodlf eijjcetdil ia eiltrdbstdil* dlqcuthclt
h`l`fchclt* `lo `ohdldutr`tdqc asletdilu, _mc mc`jtme`rc eih~ilclt ia tmc virkh`lu
eih~clu`tdil rslu ~`r`jjcj ti c}dutdlf l`tdil`j mc`jtm ~rifr`h* `lo eisjo bc dltcfr`tco, Dl
hiut e`ucu* tmc dlutrshclt suco ti adl`lec tmc mc`jtme`rc eih~ilclt ia virkh`lu
eih~clu`tdil* `lo tmc mc`jtme`rc ~rifr`h du ` airh ia uied`j dlusr`lec -c}`h~jc7 ^mdjd~~dlcu*
Qdct L`h* `lo Dlod`$,
_mc `biqc oduesuudil usffcutu tm`t lit ilj h`eri(jcqcj eiirodl`tdil bctvccl mc`jtme`rc `lo~cludil ~ijdedcu du lccoco* bst tm`t eiirodl`tdil `hilf odaacrclt eih~ilcltu ia ~cludil `lo
mc`jtm uutchu `rc `jui cuucltd`j,
5,1 Eiirodl`tdil dl Ocudfl ia Mc`jtme`rc `lo ^cludil ^rifr`h
_mc ocudfl ia tmc mc`jtme`rc `lo ~cludil ~rifr`h du `l `rc` tm`t m`u rcecdqco ilj jdhdtco
`ttcltdil dl tmc jdtcr`tsrc* bst m`u dh~irt`lt adue`j dh~jde`tdilu `u tmc e`l fdqc rduc ti
eiltdlfclt jd`bdjdtdcu, Air c}`h~jc* da tmc ~cludil fs`r`ltcc h`oc b tmc ut`tc t`kcu dlti
`eeislt rdudlf mc`jtme`rc eiutu ui `u ti clusrc tm`t rc`j ~cludil dleihc oicu lit a`jj* `lo da
tmdu du oilc vdtmist eiirodl`tdil vdtm tmc `rr`lfchcltu vdtmdl tmc mc`jtm ~rifr`h ti `oorcuu
eiut dlaj`tdil* tmc tit`j fs`r`ltcc fdqcl b tmc ut`tc vdjj bc usb(i~tdh`j, Da tmc lct fs`r`ltccu
-bitm mc`jtme`rc `lo ~cludilu$ `rc tii mdfm tmc vdjj fdqc rduc ti eiltdlfclt jd`bdjdtdcu, _mc lct
00Air c}`h~jc* tmdu e`l bc `eeih~jdumco b rcosedlf tmc `bdjdt ia ` mc`jtme`rc ~riqdocr ti c}~jidt dtu dlairh`tdil
`oq`lt`fc,
7/31/2019 Coordinating Healthcare and Pension Policies: An Exploratory Study
18/26
@OBD Virkdlf ^`~cr 56? B`jd `lo @umcr
01
fs`r`ltccu eisjo `jui bc tii jiv dl tmc `buclec ia eiirodl`tdil, _mc c}`h~jc ia eiirodl`tdil
vdtm rcu~cet ti mc`jtme`rc eiut dlaj`tdil du `l c}`h~jc ia ilj ilc ia tmc q`rdisu cjchcltu dl
tmc ocudfl ia mc`jtme`rc `lo ~cludil ~rifr`hu, _mcrc `rc itmcr `rc`u tm`t dh~`et tmc ocudfl
ia bitm mc`jtme`rc `lo ~cludil ~rifr`hu* usem `u bclcadt jcqcju* lct rc~j`echclt r`tc* `lo
rctdrchclt `fc,
?, EISL_RT C]@H^JCU
_mc ~rcqdisu Em`~tcr oduesuuco tmc r`tdil`jc air frc`tcr eiirodl`tdil bctvccl mc`jtme`rc `lo
~cludil ~rifr`hu* `lo clqdu`fco tmc odaacrclt t~cu ia ~iuudbjc eiirodl`tdil bctvccl tmc tvi,
_mdu em`~tcr ~riqdocu ` bri`o iqcrqdcv ia c}dutdlf eiirodl`tdil hcem`lduhu dl ucjcetco @ud`l
eisltrdcutmc ^mdjd~~dlcu* _m`dj`lo* Qdct L`h* Dlod`* Udlf`~irc* `lo H`j`ud`,
?,0 ^mdjd~~dlcu
Dl tmc ^mdjd~~dlcu* tmc ut`tc ~cludil ~rifr`h du `ohdldutcrco b tmc Uied`j Ucesrdt Uutch
-UUU$ `lo fiqcrlco b tmc Uied`j Ucesrdt Eihhduudil, @ uc~`r`tc* ut`tc(ivlco eir~ir`tdil*
^mdj Mc`jtm* vmdem du fiqcrlco b tmc Oc~`rthclt ia Mc`jtm* `ohdldutcru tmc mc`jtme`rc
~rifr`h, Eiltrdbstdilu ti bitm ~rifr`hu `rc ocosetco arih `l dlodqdos`ju ~`rijj* um`rco b
tmc ch~jicr `lo ch~jicc* `lo ercodtco ti UUU `lo ^mdjMc`jtm rcu~cetdqcj02
?,2 Qdct L`h
, Bitm tmc UUU
`lo ^mdjMc`jtm m`qc udhdj`r dlqcuthclt h`lo`tcu* `lo c}~iusrc ti `uuct ej`uucu* bst tmcdr
rcu~cetdqc dlqcuthclt `lo e`um h`l`fchclt asletdilu `rc e`rrdco ist uc~`r`tcj, _mc
`ohdldutr`tdqc `rr`lfchcltu air bitm ~rifr`hu* dlejsodlf rceiro kcc~dlf `lo ~riecuudlf
ej`dhu* `~~c`r ti m`qc ilj jdhdtco eiirodl`tdil `u tmc `rc misuco dl uc~`r`tc irf`ldw`tdilu`lo `rc us~~irtco b odaacrclt dlutdtstdilu,
Dl Qdct L`h* Qdct L`h Uied`j Ucesrdt -QUU$ `ohdldutcru tmc ut`tc ~cludil `lo mc`jtme`rc
~rifr`h, Dt a`jju slocr tmc ~srqdcv ia tmc Hdldutr ia J`bisr* Dlq`jdou `lo Uied`j @aa`dru
-HiJDU@$ `lo tmc Hdldutr ia Adl`lec, Eiltrdbstdilu ti tmc ~cludil ~rifr`h `lo tmc mc`jtm
e`rc ~rifr`h `rc ocosetco arih `l dlodqdos`ju ~`rijj* `lo dl `oodtdil ti ch~jicr
eiltrdbstdilu* tmc `rc ercodtco ti rcu~cetdqc mc`jtme`rc `lo ~cludil aslou, Bitm aslou m`qcudhdj`r dlqcuthclt h`lo`tcu eih~rdudlf ia c}~iusrc ti trc`usr bdjju* fiqcrlhclt bilou* `lo
hilc h`rkct dlutrshcltu, _mc QUU m`lojcu dlqcuthclt `lo e`um h`l`fchclt ia bitm
~rifr`hu, ^rdir ti tmc dh~jchclt`tdil ia Edresj`r 20 da cdtmcr ~rifr`h `eeisltu r`l ist ia
02Eiltrdbstdilu air uihc hchbcru `rc usbudodwco b tmc ut`tc* ir `rc ~`do `lls`jjair c}`h~jc tmc hchbcru ia
tmc Iqcruc`u Virkcr ^rifr`h `rc rcpsdrco ti ~` `lls`j eiltrdbstdilu,
7/31/2019 Coordinating Healthcare and Pension Policies: An Exploratory Study
19/26
@OBD Virkdlf ^`~cr 56? B`jd `lo @umcr
06
aslou -tmc mc`jtme`rc ~rifr`h m`u bccl `eersdlf ocadedtu udlec 2>>3$* bclcadtu eisjo bc ~`do
arih tmc usr~jsucu `eersco dl itmcr ~rifr`h `eeisltu, Edresj`r 20 clqdu`fcu frc`tcr
`eeislt`bdjdt ia tmc ~rifr`hu air hcctdlf tmcdr jd`bdjdtdcu* `lo rcpsdrcu ~rifr`h ocadedtu ti bc
adl`leco b fiqcrlhclt bsofctu r`tmcr tm`l arih `eersco usr~jsucu ia itmcr uied`j ucesrdt
~rifr`hu,
Vmdjc tmcrc du ecltr`jdwco eijjcetdil ia eiltrdbstdilu* `lo tmc dlqcuthclt asletdil du e`rrdco ist
dl(misuc b tmc QUU* tmc mc`jtme`rc `lo ~cludil aslou `rc dlqcutco uc~`r`tcj, @jjivdlf `
~rifr`h aslo ti fi dlti ocadedt ti suc `eeshsj`tco rcucrqcu arih itmcr aslou dh~jdedtj
ocac`tco tmc ~sr~iuc ia uc~`r`tc dlqcuthclt `lo e`um h`l`fchclt ia tmc ~rifr`hu, _mcrc
`~~c`ru ti bc ~ijde eiirodl`tdil bctvccl tmc tvi ~rifr`hu vdtm rcu~cet ti em`lfcu dl tmc
eiltrdbstdil r`tcu, _mc Uied`j Dlusr`lec J`v* vmdem fiqcrlu tmc ~cludil `rr`lfchcltu* v`u
dh~jchcltco bcairc tmc Mc`jtm Dlusr`lec J`v dl 2>>6* bst `l dlerc`ucu dl eiltrdbstdil r`tcu
`rc ulemrildwco bctvccl tmc tvi ~rifr`hu,
?,5 Udlf`~irc
Dl Udlf`~irc* ut`tc mc`jtme`rc `lo ~cludil ~rifr`hu `rc `ohdldutcrco b tmc Ecltr`j
^riqdoclt Aslo* ` ut`tstir bi`ro slocr tmc Hdldutr ia H`l~ivcr, Eiltrdbstdilu ti mc`jtme`rc
`lo ~cludil ~rifr`h `rc ocosetco arih `l dlodqdos`ju ~`rijj* um`rco b tmc ch~jicr `lo
ch~jicc* `lo em`llcjco ti hcode`j u`qdlfu `eeislt Hcodu`qc* `lo `litmcr `eeislt ti
adl`lec rctdrchclt c}~clodtsrc05
Air tmc ~sr~iuc ia dlqcuthclt h`l`fchclt* E^A oicu odaacrcltd`tc bctvccl b`j`lecu mcjo
`eeshsj`tco dl Hcodu`qc ir itmcr `eeisltu ia ` hchbcr
,
0?
E^A `jui iaacru ` mc`jtm dlusr`lec ~j`l e`jjco Hcodumdcjo vmdem du suco air dl(~`tdclt
trc`thclt `t rcutrsetsrco miu~dt`ju, Hirc fclcrisu qcrudilu ia Hcodumdcjo vcrc ~rdq`tdwco dl
2>>3 ti L`tdil`j _r`oc Sldil Eilfrcuu -L_SE$, Udlec tmcl h`l ~rdq`tc dlusr`lec
eih~`ldcu m`qc bccl iaacrdlf ti~(s~ ~j`lu ti tmc b`ude Hcodumdcjo uemchc, ^rchdshu ti
hiut mc`jtme`rc uemchcu dl Udlf`~irc -~sbjde `lo ~rdq`tc$ e`l bc adl`leco arih ` hchbcru
Hcodu`qc `eeislt bst tmc lcco ti bc `~~riqco b tmc E^A Bi`ro, _i tm`t c}tclt* tmcrc du
eiirodl`tdil `hilfut tmc q`rdisu mc`jtme`rc uemchcu dl tcrhu ia tmcdr adl`ledlf
`rr`lfchcltu,
, @ udfldade`lt um`rc ia E^A
b`j`lecu `rc mcjo dl lil(h`rkct`bjc Fiqcrlhclt ia Udlf`~irc bilou* `lo hchbcru c`rl `~rc(octcrhdlco dltcrcut r`tc il tmcdr b`j`lecu,
Udlf`~ircu mc`jtme`rc `lo ~cludil `rr`lfchcltu ~riqdoc `l c}`h~jc ia q`rdisu `u~cetu ia
eiirodl`tdil, _misfm tmc ~rifr`h du lit `ohdldutcrco b tmc Hdldutr ia Mc`jtm* `lo du slocr
05E^A `jui m`u h`lo`tir eiltrdbstdilu ti adl`lec misudlf c}~clodtsrc* bst tmcuc `rc lit oduesuuco dl tmdu ~`~cr,
@umcr `lo L`lo -2>>1$ ~riqdoc `l `l`judu ia tmc E^A uutch,
0?_mc dlqcuthclt h`l`fchclt ia Hcodumdcjo* oduesuuco bcjiv* du e`rrdco ist uc~`r`tcj arih tm`t ia Hcodu`qc,
7/31/2019 Coordinating Healthcare and Pension Policies: An Exploratory Study
20/26
@OBD Virkdlf ^`~cr 56? B`jd `lo @umcr
0=
tmc ~srqdcv ia tmc Hdldutr ia H`l~ivcr* tmcrc du dh~jdedt ~ijde eiirodl`tdil dl tmc eiltrdbstdil
r`tcu ti mc`jtme`rc `lo ~cludil ~rifr`h, _mdu du rcajcetco dl tmc h`l iee`udilu il vmdem tmc
E^A m`u em`lfco dtu iqcr`jj eihbdlco eiltrdbstdil r`tc ti bitm ~rifr`hu* ~`rtdesj`rj osrdlf
~crdiou ia ceilihde erdudu ti rcosec tmc dhhcod`tc bsrocl il ch~jicru, _mcrc du
eiirodl`tdil dl eijjcetdil ia eiltrdbstdilu* `lo dtu dlqcuthclt b tmc E^A, _mc E^A uutch du
dltrde`tcj jdlkco vdtm tmc t`} `ohdldutr`tdil uutch* vmdem `jui rcosecu tmc h`rfdl`j caadedcle
eiut ia aslou -ia t`} rcqclsc$,
Hiut dh~irt`ltj* tmc `ohdldutr`tdil* rceiro(kcc~dlf* `lo o`t` ~riecuudlf asletdilu air bitm
~rifr`hu `rc m`lojco b tmc E^A dtucja, Dt du `uushco tm`t tmdu `jjivu tmch ti rc`jdwc
eiludocr`bjc eiut(u`qdlfu osc ti ceilihdcu ia ue`jc, @u E^A m`u `eecuu ti odu`ffrcf`tco
`lo ~ijde(rcjcq`lt o`t` il q`rdisu `u~cetu ia mc`jtme`rc `lo ~cludil `rr`lfchcltu* tmdu e`l
brdlf ` sldpsc uutchde ~cru~cetdqc dl uied`j ucesrdt ~j`lldlf `lo rcairh03
?,? H`j`ud`
,
H`j`ud` tii rcjdcu il ` h`lo`tir ~riqdoclt aslo* tmc Ch~jicru ^riqdoclt Aslo -C^A$ ti
`ohdldutcr dtu mc`jtme`rc `lo ~cludil ~rifr`hu, Dt `jui `jjivu hchbcru ti suc tmc C^A ti
adl`lec misudlf `lo cose`tdil, Eiltrdbstdilu ti tmc C^A `rc um`rco b ch~jicr `lo
ch~jicc* `lo `rc ~`rkco dl tmrcc uc~`r`tc `eeisltu ti ~` air misudlf* ~cludilu* `lo
mc`jtme`rc c}~clodtsrc rcu~cetdqcj, _mc C^A oicu lit odutdlfsdum bctvccl tmc `eeisltu air
dlqcuthclt ~sr~iucu, Hchbcr b`j`lecu `rc dlqcutco dl H`j`ud`l fiqcrlhclt ucesrdtdcu* rc`j
cut`tc* hilc h`rkct ~riosetu* `lo cpsdt dlutrshcltu, @u vdtmor`v`ju arih mc`jtme`rc
`eeislt `hisltco ti jcuu tm`l >,3# ia `jj C^A vdtmor`v`ju* dl 2>>6 tmc mc`jtme`rc `eeislt
v`u oduh`ltjco, Hchbcr eiltrdbstdilu aijjivdlf 2>>6 rcairhu `rc liv em`llcjco ti tvi
`eeisltu7 misudlf -@eeislt D$ `lo ~cludilu -@eeislt DD$, H`j`ud` oicu lit m`qc ` l`tdil`j
mc`jtm ~j`l* bst `jjivu hchbcru ti ~` air ecrt`dl mc`jtme`rc c}~clucu arih tmcdr b`j`lecu dl
C^A, _miuc ch~jico dl tmc airh`j ucetir* mivcqcr* `rc ~`rt ia ` eih~sjuir virk dlgsr
uemchc,
_mc Uied`j Ucesrdt Irf`ldw`tdil -UIEUI$* dldtd`jj cut`bjdumco `u ` fiqcrlhclt oc~`rthclt
dl 0460 `lo j`tcr eilqcrtco dlti ` Ut`tstir Bi`ro* `ohdldutcru `l ch~jihclt dlgsr mc`jtm
dlusr`lec uemchc `lo `l dlq`jdodt ~cludil uemchc, Eiltrdbstdilu ti UIEUI `rc ocosetco
arih tmc dlodqdos`ju ~`rijj -0,23#$, Ch~jicru `rc `jui rcpsdrco ti eiltrdbstc ti bitm
~rifr`hu -0,>#$, Eiltrdbstdilu air bitm ~rifr`hu `rc dlqcutco dl Fiqcrlhclt ia H`j`ud`
ucesrdtdcu* ~rdq`tc ocbt ucesrdtdcu* `lo hilc h`rkct dlutrshcltu, UIEUI `~~c`ru ti m`qc `
03Uied`j ucesrdt m`u hsjtd~jc ibgcetdqcu vmdem dlejsoc eilush~tdil uhiitmcldlf* ~iqcrt rcjdca* dleihc
rcodutrdbstdil* `hilfut h`l itmcru, Uied`j ucesrdt ~rifr`hu* dlejsodlf mc`jtme`rc `lo ~cludilu* `rc dh~`etco
b slocrjdlf h`ericeilihde* ochifr`~mde* `lo j`bir h`rkct trclou, _msu* vmcl oduesuudlf `l `u~cet ia
uied`j ucesrdt* dt du dh~irt`lt ti eiludocr ` uutchde ~cru~cetdqc `lo lit qdcv ` ~`rtdesj`r ~rifr`h dl duij`tdil ir
dlusj`r arih tmc ceilihde ~`r`odfh -B`rr `lo Od`hilo 2>>=$,
7/31/2019 Coordinating Healthcare and Pension Policies: An Exploratory Study
21/26
@OBD Virkdlf ^`~cr 56? B`jd `lo @umcr
04
hirc eilucrq`tdqc dlqcuthclt h`lo`tc tm`l dtu eisltcr~`rt tmc C^A, _mcrc `~~c`ru ti bc ilj
jdhdtco eiirodl`tdil bctvccl tmc tvi irf`ldw`tdilu `ohdldutcrdlf mc`jtme`rc `lo ~cludil
~rifr`hu dl H`j`ud`, C^A `lo UIEUI m`qc ` eihhil hchbcrumd~ ui `ohdldutr`tdqc
eiirodl`tdil eisjo ~itcltd`jj est `ohdldutr`tdqc eiutu,
?,3 _m`dj`lo
_m`dj`lou mc`jtme`rc uutch du `ohdldutcrco b tmrcc irf`ldw`tdilutmc L`tdil`j Mc`jtm
Ucesrdt Iaadec* tmc Hdldutr ia ^sbjde Mc`jtm* `lo tmc Uied`j Ucesrdt Iaadec -UUI$ vmdem
`ohdldutcru ~cludil `rr`lfchcltu,
Esrrcltj* tmcrc `rc tmrcc mc`jtme`rc uemchcuilc air airh`j ucetir virkcru* ilc air edqdj
ucrq`ltu* `lo ` Sldqcru`j Eiqcr`fc -SE$ uemchc vmdem eiqcru tmc cltdrc ~i~sj`tdil, _mc SE
uemchc* dh~jchcltco dl 2>>0* us~crucoco h`l eih~jc} mc`jtme`rc ~rifr`hu air tmiuc
ch~jico dl tmc dlairh`j ucetir, _mc uied`j dlusr`lec ~rifr`h eiqcru `rislo =#* tmc edqdj
ucrqdec ~rifr`h `litmcr =#* `lo tmc rch`dldlf ~i~sj`tdil `rc eiqcrco b tmc SE Uemchc,
_mc tmrcc ~rifr`hu `rc `ohdldutcrco b uc~`r`tc irf`ldw`tdilu* vdtm jdhdtco ~ijde
eiirodl`tdil bctvccl tmch,
_mc SE `lo edqdj ucrqdec uemchcu `rc t`}(adl`leco* `lo m`qc li sucr accu ir ei(dlusr`lec
r`tcu, _mc uied`j dlusr`lec ~rifr`h du `ohdldutcrco b tmc UUI* vmdem `jui `ohdldutcru tmc
~cludil ~rifr`h, Eiltrdbstdilu ti bitm tmc uied`j dlusr`lec `lo ~cludil ~rifr`h `rc
ocosetco arih `l dlodqdos`ju ~`rijj* um`rco b tmc ch~jicr `lo tmc ch~jicc* `lo ercodtco
ti uc~`r`tc aslou dl tmc UUI, UUI mdrcu ~riacuudil`j dlqcuthclt `lo aslo h`l`fcru ti dlqcut
tmcuc aslou, _mc aslou m`qc udhdj`r dlqcuthclt `lo `uuct ej`uu c}~iusrc rcpsdrchcltu* `lo
c`rl udhdj`r rctsrlu il dlqcuthcltu,
^ijdeh`kcru m`qc h`oc rc~c`tco `ttch~tu ti m`rhildwc tmc tmrcc mc`jtm uemchcu* ti
eihbdlc `ohdldutr`tdqc `lo rceiro kcc~dlf asletdilu* bst m`qc bccl tmv`rtco b ~ivcrasj
dltcrcut fris~u tm`t bclcadt arih kcc~dlf tmc ~rifr`hu uc~`r`tc01
?,1 Dlod`
, @u tmc uied`j dlusr`lec
~rifr`h eiqcru jcuu tm`l =# ia tmc ~i~sj`tdil `lo ~`do air ilj 1# ia tit`j mc`jtm c}~clodtsrc
dl 2>>4* tmc iqcr`jj dh~`et ia c}dutdlf eiirodl`tdil bctvccl mc`jtme`rc `lo ~cludilu ~rifr`hu
`ohdldutcrco b tmc UUI du rcj`tdqcj uh`jj,
Mc`jtme`rc `lo ~cludil `rr`lfchcltu `rc `ohdldutcrco b hsjtd~jc irf`ldw`tdilu vdtm jdhdtco
rcfsj`tir us~crqdudil dl Dlod`, _mc mc`jtme`rc ~rifr`h du `ohdldutcrco tmc Ch~jiccu Ut`tc
Dlusr`lec Eir~ir`tdil -CUDE$ cl`etco slocr tmc Ch~jicc Ut`tc Dlusr`lec @et ia 04?= vmdem
01_mc uied`j dlusr`lec uemchc `lo tmc edqdj ucrqdec uemchc iaacr tmcdr hchbcru rcj`tdqcj hirc fclcrisu bclcadtu
tm`l tmc SE uemchc -R`hcum 2>>4$,
7/31/2019 Coordinating Healthcare and Pension Policies: An Exploratory Study
22/26
@OBD Virkdlf ^`~cr 56? B`jd `lo @umcr
2>
du mc`oco b tmc hdldutcr ia j`bir* `lo du ` eiltrdbstir ~rifr`h air tmiuc ch~jico dl tmc
airh`j ucetir, Eiltrdbstdilu `rc eijjcetco arih `l dlodqdos`ju ~`rijj `lo `rc em`llcjco ti `l
dlusr`lec aslo, Hchbcru `lo tmcdr oc~clocltu `rc cltdtjco ti rcecdqc trc`thclt `t CUDE
miu~dt`ju ir `t `~~riqco ~rdq`tc miu~dt`ju,
_mcrc `rc itmcr mc`jtm dlusr`lec `lo eihhsldt uemchcu usem `u R`umtrd` Uv`utm` Bdh`Tigl` -RUBT$* tmc Emdr`lgccqd h`tcrl`j mc`jtme`rc uemchc* `lo tmc L`tdil`j Rsr`j Mc`jtm
Hduudil -LRMH$* `hilfut h`l itmcru, Bst tmcrc du li ~ijde eiirodl`tdil bctvccl tmcuc
q`rdisu uemchcu dl tcrhu ia dlar`utrsetsrc stdjdw`tdil* eiqcr`fc* `lo t`rfctdlf hcem`lduhu,
_mc Ch~jiccu ^riqdoclt Aslo Irf`ldw`tdil -C^AI$* cut`bjdumco slocr tmc C^A @et ia 0432*
`ohdldutcru tmc ~cludil ~rifr`h` ocadlco eiltrdbstdil ch~jiccu ~riqdoclt aslo -C^A$ `lo
` ocadlco bclcadt ~cludil uemchc -C^U$, Eiltrdbstdilu ti tmc C^AI `rc eijjcetco arih `l
dlodqdos`ju ~`rijj* `lo `rc um`rco b tmc ch~jicr `lo ch~jicc, Hchbcr b`j`lecu `rc
dlqcutco ~rcoihdl`ltj dl ~sbjde ucetir ocbt dlqcuthcltu `lo hchbcru `rc ercodtco ` ~rc(
octcrhdlco dltcrcut r`tc vmdem m`u lit udfldade`ltj ajsets`tco -@umcr 2>>=$
_mcrc `rc itmcr qijslt`r ~cludil ~rifr`huusem `u tmc Lcv ^cludil Uemchc -L^U$ `lo
t`}(`oq`lt`fc u`qdlfu uemchcu usem `u tmc ^sbjde ^riqdoclt Aslo -^^A$`lo hderi(~cludil
uemchcu tm`t `rc `jui `ohdldutcrco b odaacrclt oc~`rthcltu, Mivcqcr* tmcrc du jdhdtco ~ijde
eiirodl`tdil `lo rcfsj`tir iqcrudfmt ia tmc q`rdisu ~cludil uemchcu, _mdu du rcajcetco dl tmc
slcqcl t`} trc`thclt bctvccl q`rdisu ~cludil ~rifr`hu, _mc ^cludil Aslo Rcfsj`tir `lo
Ocqcji~hclt @stmirdt -^ARO@$ Bdjj* vmdem uccku ti uct s~ rcfsj`tir `stmirdt fiqcrldlf tmc
L^U du ct ti bc ~`uuco b tmc ^`rjd`hclt,
3, EILEJSODLF RCH@RKUR`~do `fcdlf ia tmc ~i~sj`tdil fjib`jj rc~rcucltu `l sl~rcecocltco mdutirde`j trclo, @u
~cludil `lo mc`jtme`rc eiutu `rc ~iudtdqcj eirrcj`tco vdtm rdudlf dleihcu* `fcdlf*
srb`ldw`tdil* `lo ` umdat arih eihhslde`bjc ti jdac(utjc oduc`ucu* h`l`fdlf tmcuc eiutu du `
h`gir em`jjclfc,
@u tmcrc `rc h`l jdlk`fcu bctvccl mc`jtme`rc `lo ~cludil `rr`lfchcltudl tcrhu ia eiutu*
c}~iusrc ti rduku* `lo `u tmc gidltj dh~`et il ersed`j ~ijde ocedudilutmdu ~`~cr oduesuucu
tmc r`tdil`jc air eiirodl`tdil bctvccl q`rdisu ~rifr`hu ti bcttcr h`l`fc tmc eiut ia `fcdlf,
_mc esrrclt odaadesjt h`ericeilihde clqdrilhclt* dlejsodlf adue`j utrdlfcle eilodtdilu*
utrclftmclu tmc e`uc air usem eiirodl`tdil,
Sjtdh`tcj* mc`jtme`rc `lo ~cludilu du ` bslojc ia ucrqdecu tm`t tmc cjocrj visjo lcco ti m`qc
`eecuu ti, Dt du `jui ejc`r tm`t tmc um`rc ia rcuisrecu ocqitco ti adl`ledlf tmdu bslojc ia ucrqdec
vdjj eiltdlsc ti dlerc`uc `u ~ci~jc jdqc jilfcr `lo m`qc bcttcr `eecuu ti mc`jtme`rc ucrqdecu,
_mc c}tclt ti vmdem eiirodl`tdil bctvccl mc`jtme`rc `lo ~cludil `rr`lfchcltu cl`bjcu
http://www.rsby.gov.in/http://www.rsby.gov.in/http://www.rsby.gov.in/http://www.rsby.gov.in/7/31/2019 Coordinating Healthcare and Pension Policies: An Exploratory Study
23/26
@OBD Virkdlf ^`~cr 56? B`jd `lo @umcr
20
eisltrdcu ti hdldhdwc tmcuc rcuisrec eiutu* usffcutu dt eisjo bc ` mcj~asj v` ti bcttcr
h`l`fc tmc eiutu ia `fcdlf,
@l `qclsc lit c}~jirco dl tmdu ~`~cr* `rc ~iuudbjc `jtcrl`tdqc uijstdilu ti tmc ~riqdudil `lo
ocjdqcr ia tmdu bslojc ia ucrqdecu* `lo ti h`l`fc eiutu ia `fcdlf, @u h`l @ud`l eisltrdcu
m`qc jdhdtco adue`j u~`ec ti adl`lec uied`j c}~clodtsrc* dlliq`tdqc uijstdilu rcjdlf il tmc ut`tc`lo tmc h`rkct dl tmc ~riqdudil `lo ocjdqcr ia tmc bslojc ia ucrqdecu hcrdt eiludocr`tdil,
Frc`tcr rcuc`rem il tmc q`rdisu ceilihde `lo uied`j jdlk`fcu slocr~dlldlf mc`jtme`rc `lo
~cludil `rr`lfchcltu `jui lccou ti bc c}~jirco dl eisltr(u~cedade eiltc}tu, _mdu visjo
rcpsdrc frc`tcr rcuc`rem* `q`dj`bdjdt ia ribsut odu`ffrcf`tco o`t` il ochifr`~mde `lo
h`ericeilihde q`rd`bjcu,
_mc eisltr c}`h~jcu dl tmdu ~`~cr ~riqdoco ` bri`o iqcrqdcv ia tmc q`rdisu t~cu ia
eiirodl`tdil hcem`lduhu dl ~j`ec bctvccl mc`jtme`rc `lo ~cludil `rr`lfchcltu, @u tmc
u`h~jc eisltrdcu m`qc odaacrdlf ceilihde* uied`j* `lo ~ijdtde`j dlutdtstdilu* `lo `rc dl q`rdisu
ut`fcu ia ochifr`~mde tr`ludtdil* tmcrc `rc li bjsc(~rdltu air ~cracetj eiirodl`tco mc`jtme`rc`lo ~cludil uutchu, Eiirodl`tdil bctvccl mc`jtme`rc `lo ~cludil ~rifr`hu umisjo
sjtdh`tcj hdldhdwc tit`j rcuisrec eiutu ocqitco b ` uiedct ti h`l`fdlf mc`jtme`rc `lo
~cludil ~rifr`hu,
_i fdqc dh~ctsu ti usem eiirodl`tdil dt visjo bc sucasj ti dldtd`tc l`tdil`j `lo usb(rcfdil`j
airshu air c}em`lfc ia doc`u `lo ~r`etdecu ui tm`t lctvirk c}tcrl`jdtdcu e`l bc rc`jdwco,
Hsjtdj`tcr`j irf`ldw`tdilu usem `u tmc Virjo B`lk `lo tmc Virjo Mc`jtm Irf`ldw`tdil eisjo
~j` ` rijc b eiludocrdlf frc`tcr dltcrl`j eiirodl`tdil bctvccl tmiuc rcu~iludbjc air ~cludil
`lo mc`jtme`rc* `lo dldtd`tdlf eihhslde`tdil `hilf tmch `bist miv ti bcttcr eiirodl`tc
~cludil `lo mc`jtme`rc ~ijdedcu, _mcdr dludfmtu e`l bc tmcl dleir~ir`tco dl tmcdr ~ijde `oqdec
`lo rcuc`rem ist~st il tmcuc duuscu,
7/31/2019 Coordinating Healthcare and Pension Policies: An Exploratory Study
24/26
@OBD Virkdlf ^`~cr 56? B`jd `lo @umcr
22
RCACRCLECU
@OB, 2>>1, ^cludil Rcairhu `lo @OB Dltcrqcltdilu,_cemlde`j Litc,
@umcr* H, F, 2>00, @l @l`judu ia riqdoclt `lo ^cludil Aslo @ohdldutr`tdil dl Ucjcetco
@ud`l Eisltrdcu, Dl7 ^rdirdt Em`jjclfcu dl ^cludil @ohdldutr`tdil* codtco b L,
_`k``h`, _iki7 H`rswcl,
@umcr* H, F,* `lo @, L`lo, 2>>1, Mc`jtm Adl`ledlf dl Udlf`~irc7 @ E`uc air Uutchde
Rcairhu, Dltcrl`tdil`j Uied`j Ucesrdt Rcqdcv34 -0$7 6342,
B`rr* L, `lo ^, Od`hilo, 2>>=, Rcairhdlf ^cludilu7 ^rdled~jcu `lo ^ijde Emidecu, Jiloil7
I}airo Sldqcrudt rcuu
Bjihpqdut* @, F, 2>00, ^sbjde Ucetir Mc`jtm E`rc Adl`ledlf, Dl7 _mc I}airo M`lobiik ia
Mc`jtm Ceilihdeu* codtco b U, Fjdco `lo ^, E, Uhdtm, I}airo* SK7 I}airo Sldqcrudt
^rcuu,
Bjiih* O, ct `j, 2>0>, Dh~jde`tdil ia ^i~sj`tdil @fcdlf air Ceilihde Frivtm, I}airo Rcqdcv
ia Ceilihde ^ijde21-?$7 3=5102,
Fd`lf* _, J, 2>0>,Uied`j ^ritcetdil dl Qdct L`h7 Esrrclt Ut`tc `lo Em`jjclfcu, Airtmeihdlf,
Dlod`* Ch~jiccu ^riqdoclt Aslo Irf`ldw`tdil -C^AI$, 2>0>, @lls`j Rc~irt* `q`dj`bjc
`t mtt~7))vvv,c~adlod`,eih
Dltcrl`tdil`j Uied`j Ucesrdt @uuied`tdil -DU@$, 2>>4, Ol`hde Uied`j Ucesrdt air @ud` `lo tmc
^`edade7 Dltcfr`tco Rcu~ilucu air Hirc Cpsdt`bjc Frivtm, @q`dj`bjc iljdlc
`t mtt~7))vvv,duu`,dlt)Rcuisrecu)DUU@(^sbjde`tdilu)Ol`hde(Uied`j(Ucesrdt(air(@ud`(
`lo(tmc(^`edade(Dltcfr`tco(Rcu~ilucu(air(Hirc(Cpsdt`bjc(Frivtm
Givctt* H,* `lo V, E, Mud`i, 2>>=, Uied`j Mc`jtm Dlusr`lec dl ^mdjd~~dlcu, Dl7 Uied`j Mc`jtm
Dlusr`lec dl Ocqcji~dlf Eisltrdcu* codtco b V, E, Mud`i, V`umdlftil* OE7 Virjo
B`lk,
Ksrj`ltwdek* G, 2>0>, _mc Eilslorshu ia ` H`lu Virjo, Adl`led`j _dhcu, 05 Gslc,
H`j`ud`* Ch~jiccu ^riqdoclt Aslo -C^A$, 2>0>, @lls`j Rc~irtu, @q`dj`bjc
`t mtt~7))vvv,hc~a,fiq,h
Hsufr`qc* R, 0434, _mc _mcir ia ^sbjde Adl`lec7 @ Utso dl ^sbjde Ceilih, Lcv Tirk* LT7HeFr`v Mdjj
ICEO, 2>>1, ^rigcetdlf ICEO Mc`jtm `lo Jilf(tcrh e`rc c}~clodtsrcu7 vm`t `rc tmc h`dl
ordqcru9 Ceilihdeu Oc~`rthclt Virkdlf ^`~cr Li, ?66, @q`dj`bjc iljdlc
`t mtt~7))vvv,iceo,irf)o`t`iceo)36)6)51>=34?>,~oa
http://www.epfindia.com/http://www.issa.int/Resources/ISSA-Publications/Dynamic-Social-Security-for-Asia-and-the-Pacific-Integrated-Responses-for-More-Equitable-Growthhttp://www.issa.int/Resources/ISSA-Publications/Dynamic-Social-Security-for-Asia-and-the-Pacific-Integrated-Responses-for-More-Equitable-Growthhttp://www.myepf.gov.my/http://www.oecd.org/dataoecd/57/7/36085940.pdfhttp://www.oecd.org/dataoecd/57/7/36085940.pdfhttp://www.myepf.gov.my/http://www.issa.int/Resources/ISSA-Publications/Dynamic-Social-Security-for-Asia-and-the-Pacific-Integrated-Responses-for-More-Equitable-Growthhttp://www.issa.int/Resources/ISSA-Publications/Dynamic-Social-Security-for-Asia-and-the-Pacific-Integrated-Responses-for-More-Equitable-Growthhttp://www.epfindia.com/7/31/2019 Coordinating Healthcare and Pension Policies: An Exploratory Study
25/26
@OBD Virkdlf ^`~cr 56? B`jd `lo @umcr
25
ICEO, 2>0>, Uied`j C}~clodtsrc Ut`tdutdeu, ^sbjdumco iljdlc `t mtt~7))vvv,iceo(
djdbr`r,irf)uied`j(duuscu(hdfr`tdil(mc`jtm)o`t`)iceo(uied`j(c}~clodtsrc(ut`tdutdeuYuie}(
o`t`(cl;gucuudildo83kds?j?~j32p,ocjt`
ICEO, 2>00, ^cludilu `t ` Fj`lec 2>007 Rctdrchclt(Dleihc Uutchu dl ICEO `lo F2>
Eisltrdcu* @q`dj`bjc `t7mtt~7))vvv,iceo,irf)oieshclt)?4)>*56?1*clY21?4Y5?636Y?2442005Y0Y0Y0Y0*>>,mthj
^mdjd~~dlc Mc`jtm Dlusr`lec Eir~ir`tdil -^MDE$, 2>>=, @lls`j Rc~irt7 @ Rcqdcv ia I~cr`tdilu,
H`ldj`7 ^MDE,
^mdjd~~dlc Mc`jtm Dlusr`lec Eir~ir`tdil -^MDE$, 2>>4, Kc Ut`tdutdeu, H`ldj`7 ^MDE,
R`g`l* R, 2>0>, A`sjt Jdlcu7 Miv mdoocl ar`etsrcu utdjj tmrc`tcl tmc virjo ceilih, ^rdlectil*
LG7 ^rdlectil Sldqcrudt ^rcuu,
R`hcum* H, 2>>4, Mc`jtme`rc Rcairhu dl _m`dj`lo7 Rctmdlkdlf Eilqcltdil`j Vduoih, Dl7
_r`luairhdlf @ud`l Fiqcrl`lec* codtco b H, R`hcum `lo U, Ardtwcl, Jiloil7Ristjcofc
Riuu* U, 2>00, Eijjcetdil ia Uied`j Eiltrdbstdilu7 Esrrclt ^r`etdec `lo Erdtde`j Duuscu, Dl
^rdirdt Em`jjclfcu dl ^cludil @ohdldutr`tdil* codtco bL, _`k``h`, _iki7 H`rswcl,
Ri* @,* `lo U, ^slm`ld 2>0>, U~itjdfmt il Ochifr`~mde Fd`ltu7 Emdl` `lo Dlod`, Ercodt
Usduuc* Fjib`j Ochifr`~mde Rcuc`rem, @q`dj`bjc `t7 mtt~7))vvv,ercodt(
usduuc,eih)rcuc`rem`lo`l`jtdeu
Ri* @, 2>00, Dlliq`tdqc @~~ri`emcu ti H`l`fdlf Jilfcqdt Rduk dl @ud`, Ercodt Usduuc*
Fjib`j Ochifr`~mde Rcuc`rem, @q`dj`bjc `t7 mtt~7))vvv,ercodt(
usduuc,eih)rcuc`rem`lo`l`jtdeu
Udlf`~irc* Ecltr`j ^riqdoclt Aslo -E^A$, 2>0>, @lls`j Rc~irtu, @q`dj`bjc
`t7 mtt~7))vvv,e~a,fiq,uf
Uied`j Ucesrdt @ohdldutr`tdil -UU@$, 2>0>, Uied`j Ucesrdt ^rifr`hu tmrisfmist tmc Virjo
@ud` `lo tmc ^`edade, V`umdlftil* OE7 Uied`j Ucesrdt @ohdldutr`tdil ! Dltcrl`tdil`j
Uied`j Ucesrdt @uuied`tdil -DUU@$, @q`dj`bjc iljdlc `t
mtt~7))vvv,uu`,fiq)~ijde)oieu)~rifocue)uu~tv)2>0>(2>00)`ud`)uu~tv0>`ud`,~oa
_`k``h`* L, 2>0>, H`l`fdlf ^cludil `lo Mc`jtme`rc Eiutu dl R`~doj @fcdlf Oc~i~sj`tdlf
Eisltrdcu7 _mc E`uc ia G`~`l, _iki7 H`srwcl,
_`lwd* Q, 2>00, Fiqcrlhclt qcrusu H`rkct7 _mc Em`lfdlf Rijc ia tmc Ut`tc, Lcv Tirk* LT7
E`hbrdofc Sldqcrudt ^rcuu,
_mc Ceilihdut, 2>00, ^`tdclt* Mc`jtm _mucja, 06 H`rem, @q`dj`bjc iljdlc
`t mtt~7))vvv,ceilihdut,eih)lioc)0=534452
http://www.oecd-ilibrary.org/social-issues-migration-health/data/oecd-social-expenditure-statistics_socx-data-en;jsessionid=5kiu4l4pl52q.deltahttp://www.oecd-ilibrary.org/social-issues-migration-health/data/oecd-social-expenditure-statistics_socx-data-en;jsessionid=5kiu4l4pl52q.deltahttp://www.oecd-ilibrary.org/social-issues-migration-health/data/oecd-social-expenditure-statistics_socx-data-en;jsessionid=5kiu4l4pl52q.deltahttp://www.oecd.org/document/49/0,3746,en_2649_34757_42992113_1_1_1_1,00.htmlhttp://www.credit-suisse.com/researchandanalyticshttp://www.credit-suisse.com/researchandanalyticshttp://www.credit-suisse.com/researchandanalyticshttp://www.credit-suisse.com/researchandanalyticshttp://www.cpf.gov.sg/http://www.economist.com/node/18359932http://www.economist.com/node/18359932http://www.cpf.gov.sg/http://www.credit-suisse.com/researchandanalyticshttp://www.credit-suisse.com/researchandanalyticshttp://www.credit-suisse.com/researchandanalyticshttp://www.credit-suisse.com/researchandanalyticshttp://www.oecd.org/document/49/0,3746,en_2649_34757_42992113_1_1_1_1,00.htmlhttp://www.oecd-ilibrary.org/social-issues-migration-health/data/oecd-social-expenditure-statistics_socx-data-en;jsessionid=5kiu4l4pl52q.deltahttp://www.oecd-ilibrary.org/social-issues-migration-health/data/oecd-social-expenditure-statistics_socx-data-en;jsessionid=5kiu4l4pl52q.deltahttp://www.oecd-ilibrary.org/social-issues-migration-health/data/oecd-social-expenditure-statistics_socx-data-en;jsessionid=5kiu4l4pl52q.delta7/31/2019 Coordinating Healthcare and Pension Policies: An Exploratory Study
26/26
@OBD Virkdlf ^`~cr 56? B`jd `lo @umcr
2?
Sldtco L`tdilu Oc~`rthclt ia Ceilihde `lo Uied`j @aa`dru -SLOCU@$, 2>0> Virjo ^i~sj`tdil
^riu~cetu, EO Rih
Virjo Mc`jtm Irf`ldw`tdil -VMI$, 2>>4, L`tdil`j Mc`jtm @eeislt O`t` @q`dj`bjc iljdlc
`t mtt~7))vvv,vmi,dlt)lm`)eisltr)virjoYt`bjcu)cl)
http://www.who.int/nha/country/world_tables/en/http://www.who.int/nha/country/world_tables/en/