Men With Health Insurance and the Women Who Love Them: the Effect of a Husband's Retirement on His Wife's Health Insurance Coverage

Health insurance coverage in the years prior to retirement is particularly important because it protects the household from the financial risks of uninsurance as well as the health consequences of delaying care while uninsured. While results from the retirement "job lock" literature show that those who would lack coverage after retirement continue to work to maintain benefits, little work has explored the types of health insurance choices made by couples after retirement. It may be difficult for a married man to coordinate continuous coverage for a younger wife whose primary source of coverage has been from the husband, and thus households may pay more for non-group coverage or be exposed to the risks of uninsurance. This paper studies a panel of married couples from the 1992-2004 waves of the Health and Retirement Study (HRS) to study the types of health insurance decisions households make around the time of retirement. Results indicate that households seem to do well at avoiding uninsurance at the time of retirement, but may make high cost choices in order to insure the wife. Men switch into Medicare or coverage from their wife at retirement if they lose their own coverage, but a large fraction of women take-up privately purchased coverage. In fact, the transition from husband’s coverage to privately purchased coverage is twice as large in periods when the husband retires than otherwise. Transitions to uninsurance are lower in periods of retirement than at other times, suggesting that men continue to work if either spouse would lose coverage. Though less risky, insurance purchased in the non-group market is expensive relative to employer-sponsored coverage. Thus, married households may need to increase savings to pay for health insurance that bridges the gap until the wife can claim Medicare at age 65.

A Novel Combined System of Direction Estimation and Sound Zooming of Multiple Speakers

This article presents a new system for estimation the direction of multiple speakers and zooming the sound of one of them at a time. The proposed system is a combination of two levels; namely, sound source direction estimation, and acoustic zooming. The sound source direction estimation uses so-called the energetic analysis method for estimation the direction of multiple speakers, whereas the acoustic zooming is based on modifying the parameters of the directional audio coding (DirAC) in order to zoom the sound of a selected speaker among the others. Both listening tests and objective assessments are performed to evaluate this system using different time-frequency transforms

Spin fluctuations in the 0.7-anomaly in quantum point contacts

It has been argued that the 0.7 anomaly in quantum point contacts (QPCs) is due to an enhanced density of states at the top of the QPC-barrier (van Hove ridge), which strongly enhances the effects of interactions. Here, we analyze their effect on dynamical quantities. We find that they pin the van Hove ridge to the chemical potential when the QPC is subopen; cause a temperature dependence for the linear conductance that qualitatively agrees with experiment; strongly enhance the magnitude of the dynamical spin susceptibility; and significantly lengthen the QPC traversal time. We conclude that electrons traverse the QPC via a slowly fluctuating spin structure of finite spatial extent

Investigation of Super*Zip separation joint

An investigation to determine the most likely cause of two failures of five tests on 79 inch diameter Lockheed Super*Zip spacecraft separation joints being used for the development of a Shuttle/Centaur propulsion system. This joint utilizes an explosively expanded tube to fracture surrounding prenotched aluminum plates to achieve planar separation. A test method was developed and more than 300 tests firings were made to provide an understanding of severance mechanisms and the functional performance effects of system variables. An approach for defining functional margin was developed, and specific recommendations were made for improving existing and future systems

Advanced emergency openings for commercial aircraft

Explosively actuated openings in composite panels are proposed to enhance passenger survivability within commercial aircraft by providing improvements in emergency openings, fuselage venting, and fuel dump. The concept is to embed a tiny, highly stable explosive cord in the periphery of a load-carrying composite panel; on initiation of the cord, the panel is fractured to create a well-defined opening. The panel would be installed in the sides of the fuselage for passenger egress, in the top of the fuselage for smoke venting, and in the bottoms of the fuel cells for fuel dump. Described are the concerns with the use of explosive systems, safety improvements, advantages, experimental results, and recommended approach to gain acceptance and develop this concept

Low Energy Properties of the Kondo chain in the RKKY regime

We study the Kondo chain in the regime of high spin concentration where the low energy physics is dominated by the Ruderman-Kittel-Kasuya-Yosida (RKKY) interaction. As has been recently shown (A. M. Tsvelik and O. M. Yevtushenko, Phys. Rev. Lett 115, 216402 (2015)), this model has two phases with drastically different transport properties depending on the anisotropy of the exchange interaction. In particular, the helical symmetry of the fermions is spontaneously broken when the anisotropy is of the easy plane type (EP). This leads to a parametrical suppression of the localization effects. In the present paper we substantially extend the previous theory, in particular, by analyzing a competition of forward- and backward- scattering, including into the theory short range electron interactions and calculating spin correlation functions. We discuss applicability of our theory and possible experiments which could support the theoretical findings.Comment: 24 pages, 8 figures, 5 appendice