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This paper aims to look at model retirement behavior with a focus on early retirement where there is an option for “buy‐outs”. An employer can offer employees generous pension programs if the employees agree on early retirement. Earlier studies have neglected such offers, but in doing so, estimates of the individuals' responses to financial incentives in a retirement decision are likely to be biased upward.

The authors propose an estimation strategy where the retirement decision and the accesses to early retirement pension (ERP) offers are estimated in a simultaneous equation system, yielding unbiased estimates of the model parameters. They apply the model using detailed Swedish register data.

The results indicate that the marginal effects in retirement probability with respect to a change in financial incentives is less pronounced if ERPs are accounted for. Further, results imply that the early retirement probabilities would decrease, depending on year, by 14‐28 percent for males and 7‐18 percent for females if ERP offers were absent.

As the motives for early retirement pensions most likely stem from how the collective agreement occupational pensions are financed, this emphasizes the need for a debate on the preferable construction of these systems. This becomes particularly important in view of the increased old age dependency ratios that are expected in the near future.

Although these offers have important policy implications they have received limited attention. This paper fills an important gap in the existing pension literature, and it analyzes early retirement and tries to assess the importance of special early retirement pension programs for these outcomes.

In the 1990s, individuals aged 18–64 were eligible for disability insurance, if their work capacity was reduced by at least 25 percent (50 percent before 1993). In the beginning of the period, before 1991, disability insurance could also be granted for labor market reasons (i.e., if unemployed had been compensated long enough to exhaust their benefits – obtained benefits for 300 days). This possibility was gradually phased out after 1991. In 1995, the enforcement of the rules was tightened. When evaluating applications for disability pensions, local insurance offices now had to request a medical certificate and a work-related test of the applicant's degree of work capacity. Local offices also had to consult the applicant's employer, physician, or other qualified personnel, and even pay personal visits to the applicant. The possibilities for rehabilitating the applicant should also be investigated. From 1997, work incapacity should be evaluated in relation to all possible employment opportunities. Potential income changes resulting from changes in employment should not affect the evaluation⁴ (National Social Insurance Board, 2005).

In Sweden, responsibility for the public care of the frail elderly rests with three authorities acting at different levels. At national level, the Riksdag and the Government realize policy goals through legislation and financial control measures. At regional level, 18 county councils and two regions are responsible for the provision of health and medical care. At local level, Sweden's 290 municipalities have a statutory duty to meet the social service and housing needs of the elderly. Sweden's municipalities and county council have a high level of autonomy by international standards. Activities in caring services are ultimately controlled by politicians appointed to policy-making assemblies in municipalities and county councils through general elections. The decentralization of responsibility for elderly care makes it possible for local and regional conditions to be taken into account when policies for the elderly are formulated. The national authorities – the National Board of Health and Welfare and the 20 county/region administrative boards – are responsible for supervision, follow-up, and evaluation of municipal and county council caring services.

The purpose of this study is to quantify the impact of the variation of microstructural features on macroscopic and microscopic fields. The application of multi-scale methods in the context of constitutive modeling of microheterogeneous materials requires the choice of a representative volume element (RVE) of the considered microstructure, which may be based on some idealized assumptions and/or on experimental observations. In any case, a realistic microstructure within the RVE is either computationally too expensive or not fully accessible by experimental measurement techniques, which introduces some uncertainty regarding the microstructural features.

In this paper, a systematical variation of microstructural parameters controlling the morphology of an RVE with an idealized microstructure is conducted and the impact on macroscopic quantities of interest as well as microstructural fields and their statistics is investigated. The study is carried out under macroscopically homogeneous deformation states using the direct micro-macro scale transition approach.

The variation of microstructural parameters, such as inclusion volume fraction, aspect ratio and orientation of the inclusion with respect to the overall loading, influences the macroscopic behavior, especially the micromechanical fields significantly.

The systematic assessment of the impact of microstructural parameters on both macroscopic quantities and statistics of the micromechanical fields allows for a quantitative comparison of different microstructure morphologies and a reliable identification of microstructural parameters that promote failure initialization in microheterogeneous materials.

This paper extends the discussion on stability and change through focus on specific relationship characteristics. Quality management systems prescribe established routines for supplier selection and monitoring, and may thereby designate the nature and longevity of customer–supplier relationships. The purpose of this paper is to describe and discuss the effects of quality management systems on stability and change in different forms of customer–supplier relationships.

A number of illustrative examples based on participatory data and interviews help to capture different types of customer–supplier relationships (private/public; certified/non-certified) related to quality management systems.

While certified customers in most sectors only need to prove that their suppliers have procedures in place, many customers equate this with requiring that their suppliers should be certified. The paper further shows that customers replace deeper understandings for their suppliers’ procedures with the requirement that they be certified.

The paper contributes to the existing literature through integrating quality management systems literature with the business network approach. For business network studies, the discussion on quality management systems as constricting regimes is interesting and provides practical insights to the business network studies as such quality management systems increase in importance and spread.