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翻訳と辞書　辞書検索 [ 開発暫定版 ] スポンサード リンク Job lock ： ウィキペディア英語版 Job lock The term job lock is used to describe the inability of an employee to freely leave a job because doing so will result in the loss of employee benefits (usually health or retirement related). In a broader sense, job lock may describe the situation where an employee is being paid higher than scale or has accumulated significant benefits, so that changing jobs is not a realistic option as it would result in significantly lower pay, less vacation time, etc. == Overview == Because the greatest source of insurance for most Americans is Employer Provided Health Insurance (EPHI) and an employee cannot take their EPHI with them when they leave their job, benefits-related job lock is a concern in the United States. The nonportability of EPHI is what causes workers to get locked into their present jobs, hence the term job lock. Bridget Madrian argued in 1994 that the link between EPHI and labor market mobility was an important factor in evaluating several proposals to reform the US health care system. The study by Madrian (1994) estimated that job-lock reduced the voluntary turnover rate of those with EPHI by 25 percent. Legislative efforts that have attempted to address health-insurance related job lock in the US are the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) and the Health Insurance Portability and Accountability Act of 1996 (HIPAA). However, employers can require their former workers to pay 102 percent of the full premium for COBRA among many other hurdles and HIPAA doesn't ensure that workers who change jobs will have access to health insurance coverage on the new job or that the coverage offered will be affordable. Thus, neither COBRA nor HIPAA ensures affordability of health insurance—the main cause of job lock.〔("Job Lock" Not Diminished by New HIPAA Law, EBRI Reports | EBRI )〕〔(Quitting for Obamacare: Trapped workers may seek relief in new health exchanges - NBC News.com )〕〔(COBRA insurance too expensive for most people :: WRAL.com )〕〔http://healthyliving.blog.ocregister.com/2009/01/19/cobra-insurance-is-too-expensive-for-unemployed-report-says/2410/〕〔(Study: COBRA Insurance Too Expensive for Unemployed - The Commonwealth Fund )〕 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Job lock」の詳細全文を読む スポンサード リンク 翻訳と辞書 : 翻訳のためのインターネットリソース Copyright(C) kotoba.ne.jp 1997-2016. All Rights Reserved.