Worker Knowledge of Pension Provisions
利用行政记录和工人报告评估工人对养老金信息的了解质量，发现信息缺失和错误普遍存在，工会成员、高收入、高学历及资深员工了解更充分，少数族裔了解较少，女性在某些方面优于男性。
This article evaluates the quality of workers' information regarding pension offerings using both administrative records and worker repor ts of pension provisions. Missing and incorrect information is widesp read. Unionized employees, higher income workers, better educated wor kers, and those with seniority are better informed about their pensio ns. There are also demographic differences: minorities have less pens ion knowledge than whites, but women are better informed than men alo ng several pension dimensions. Myopia about pension incentive structu res is troubling since workers may save or consume suboptimally, chan ge jobs, or retire earlier than they would have if equipped with bett er pension information. Copyright 1988 by University of Chicago Press.