Pension Plan Discrimination Against the Short-Lived

Brief

Pension Plan Discrimination Against the Short-Lived

The Government We Deserve
May 8, 2007

Abstract

Many pension plans pay out benefits over a worker's remaining life. Perhaps inadvertently, they then discriminate against groups with shorter life expectancies. Losers include those with poorer health, less education, and more physically demanding jobs. Racial groups with higher mortality rates, like blacks, also lose. This discrimination, however, can largely be overcome with compensating mechanisms.

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