Working Baby Boomers’ Knowledge of Retiree Health Benefits and Costs Page: 6
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o Baby Boomers want to retire
o Retirement is a viable option
o Baby Boomers have varying levels of knowledge about health benefits in
retirement
o Baby Boomers have varying levels of knowledge about health costs in
later adulthood
o Health care is an important need in older adulthood
o Retirement planning is the responsibility of the individual, not the
government
o Survey participants answered honestly and to the best of their ability
Theoretical Framework
Life course theory is a concept which states that the lives of individuals can be
understood by viewing them within the framework of their historical and socioeconomic
contexts (Elder, 2002, Giele & Elder, 1998). Aging and retirement are predictable stages
of the life course, reached after maturation and a period of work experience. At the
same time, aging is viewed as "a lifelong phenomenon, with the outcome in old age
dependent on decisions made about life at all ages during the life course" (Schulz &
Binstock, 2006, p. 21). Life course theory is reflected in the research model of this
study, that is, that the personal characteristics of Baby Boomers influence their
knowledge of health benefits and costs and their knowledge-seeking behavior. These
factors in turn are expected to influence retirement preparation.
This research also draws on the concept of continuity theory. Both theories,
which are explained more fully below, rely on the order and structure of life within an
individual's social and cultural contexts. In the mid-20th century, the concept of6
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Henning, Janet L. Working Baby Boomers’ Knowledge of Retiree Health Benefits and Costs, dissertation, August 2012; Denton, Texas. (https://digital.library.unt.edu/ark:/67531/metadc149607/m1/14/: accessed April 18, 2024), University of North Texas Libraries, UNT Digital Library, https://digital.library.unt.edu; .