Characteristics of Individuals with Integrated Pensions

This paper examines the characteristics of individuals covered under integrated pension plans by comparing them with people covered by non-integrated plans and those with no pesion coverage. Females, whites, non-union members, and those workers with less than a postgraduate education are more likely to be covered under integrated pensions. Higher earnings or having a defined benefit pension plan are also strong predictors for having an integrated pension plan. When region and industry type are considered, reults show that workers in the Pacific region and in manufacturing are more likely to be covered by integrated pensions.