Table 11: Asymmetry of Sources of Insurance: PANEL A (Level)

Spouse's income	Social Security	Official Transfer	Tax Paid	Total cons.	Implied Saving response
increase	decrease	increase	decrease	increase	decrease	increase	decrease	increase	decrease	increase	decrease
All	0.024
(0.001)	0.024
(0.001)	-0.006
(0.001)	-0.002
(0.001)	0.133
(0.0004)	0.146
(0.0004)	0.042
(0.002)	0.023
(0.002)	0.067
*0.073	0.099
*0.101	-0.007
(0.001)	-0.003
(0.001)
Number of Obs.	145,396	132,826	145,396	132,826	145,396	132,826	65,350	59,968
R² (adjusted)	0.04	0.05	0.03	0.03	0.37	0.47	0.03	0.04
s.e.e.	1.3e+5	1.3e+5	1.1e+5	1.1e+5	73,950	65,251	1.1e+5	1.1e+5
January-June	0.032
(0.003)	0.014
(0.004)	0.000
(0.002)	0.000
(0.005)	0.134
(0.002)	0.100
(0.004)	0.029
(0.006)	0.024
(0.018)	0.073	0.062	0.001
(0.002)	0.003
(0.008)
Number of Obs.	13,359	9,589	13,359	9,589	13,359	9,589	6,344	4,529
R² (adjusted)	0.05	0.02	0.02	0.02	0.24	0.08	0.02	0.02
s.e.e.	1.1e+5	58,408	68,488	72,695	82,473	58,729	64,492	70,021
February	0.016	0.009	0.002	-0.002	0.148	0.166	0.019	-0.026	0.113	0.183	0.002	-0.001
-July	(0.003)	(0.004)	(0.002)	(0.002)	(0.002)	(0.002)	(0.006)	(0.010)	(0.002)	(0.003)
Number of Obs.	13,771	10,567	13,771	10,567	13,771	10,567	6,380	5,054
R² (adjusted)	0.03	0.03	0.02	0.02	0.42	0.48	0.03	0.04
s.e.e.	1.2e+5	1.3e+5	71,114	70,125	69,840	68,440	68,867	69,965
March-August	0.011	0.008	0.001	0.001	0.138	0.148	0.033	-0.003	0.094	0.143	0.001	0.002
Number of Obs.	13,139	12,215	13,139	12,215	13,139	12,215	5,984	5,696
R² (adjusted)	0.03	0.02	0.02	0.02	0.33	0.47	0.03	0.02
s.e.e.	1.3e+5	1.3e+5	65,631	69,259	82,193	70,968	60,271	63,546
April	0.016	0.017	0.001	0.002	0.139	0.147	0.022	-0.012	0.101	0.142	-0.002	-0.002
September	(0.003)	(0.003)	(0.002)	(0.002)	(0.002)	(0.002)	(0.006)	(0.006)	(0.002)	(0.002)
Number of Obs.	12,435	11,950	12,435	11,950	12,435	11,950	5,789	5,678
R² (adjusted)	0.02	0.02	0.03	0.02	0.38	0.47	0.03	0.03
s.e.e.	1.2e+5	1.2e+5	69,577	68,539	74,339	69,835	73,026	68,445
May-October	0.017	0.018	-0.001	-0.002	0.141	0.148	0.041	0.010	0.083	0.120	-0.002	-0.004
Number of Obs.	(0.003)	(0.003)	(0.001)	(0.001)	(0.003)	(0.001)	(0.005)	(0.006)	(0.002)	(0.002)
Number of Obs.	12,866	12,052	12,866	12,052	12,866	12,052	6,204	5,723
R² (adjusted)	0.04	0.03	0.02	0.02	0.22	0.58	0.02	0.02
s.e.e.	1.4e+5	1.3e+5	59,721	59,844	1.1e+5	54,526	57,897	60,566
June-November	0.004	0.018	0.002	0.001	0.128	0.141	0.052	0.007	0.072	0.116	0.005	0.004
Number of Obs.	(0.003)	(0.003)	(0.002)	(0.001)	(0.001)	(0.001)	(0.009)	(0.007)	(0.003)	(0.002)
Number of Obs.	11,052	12,549	11,052	12,549	11,052	12,549	5,297	6,051
R² (adjusted)	0.00	0.02	0.02	0.02	0.47	0.58	0.03	0.02
s.e.e.	93126	1.2e+5	66,849	61,889	43,307	51,170	63,968	58,120
July-December	0.018	0.013	-0.004	0.006	0.162	0.133	0.061	0.017	0.083	0.103	-0.003	0.004
Number of Obs.	(0.004)	(0.002)	(0.002)	(0.003)	(0.001)	(0.002)	(0.006)	(0.009)	(0.002)	(0.003)
R² (adjusted)	13,862	9,477	13,862	9,477	13,862	9,477	6,631	4,491
s.e.e.	0.06	0.01	0.02	0.02	0.55	0.42	0.02	0.02
August-January	0.021	0.018	-0.005	-0.005	0.157	0.160	0.059	0.048	0.077	0.094	-0.003	-0.004
Number of Obs.	(0.004)	(0.004)	(0.002)	(0.002)	(0.001)	(0.001)	(0.007)	(0.007)	(0.003)	(0.003)
R² (adjusted)	11,238	10,947	11,238	10,947	11,238	10,947	4,714	4,546
s.e.e.	0.06	0.06	0.02	0.02	0.59	0.59	0.03	0.02
s.e.e.	1.6e+5	1.6e+5	64,829	64,260	58,882	59,572	66,513	67,027
September-February	0.009	0.007	-0.002	-0.003	0.149	0.154	0.054	0.059	0.086	0.088	-0.004	-0.005
Number of Obs.	(0.004)	(0.004)	(0.001)	(0.002)	(0.001)	(0.002)	(0.006)	(0.007)	(0.002)	(0.002)
R² (adjusted)	11,708	10,728	11,708	10,728	11,708	10,728	4,875	4,461
s.e.e.	0.06	0.06	0.01	0.02	0.55	0.56	0.02	0.02
October-March	0.016	0.015	-0.002	-0.003	0.151	0.158	0.061	0.050	0.074	0.093	-0.000	-0.003
Number of Obs.	(0.004)	(0.004)	(0.002)	(0.002)	(0.001)	(0.002)	(0.006)	(0.007)	(0.003)	(0.002)
R² (adjusted)	11,223	9,979	11,223	9,979	11,223	9,979	4,678	4,208
s.e.e.	0.05	0.06	0.02	0.01	0.53	0.57	0.02	0.02
s.e.e.	1.5e+5	1.6e+5	66,520	63,178	61,448	61,710	69,236	62,203
November-April	0.009	0.007	-0.005	-0.006	0.150	0.156	0.053	0.057	0.088	0.092	-0.006	-0.006
Number of Obs.	(0.004)	(0.004)	(0.002)	(0.002)	(0.002)	(0.002)	(0.007)	(0.006)	(0.003)	(0.003)
R² (adjusted)	11,595	10,622	11,595	10,622	11,595	10,622	4,778	4,442
s.e.e.	0.06	0.06	0.02	0.03	0.53	0.54	0.02	0.03
s.e.e.	1.5e+5	1.5e+5	64,898	64,902	60,530	63,353	63,960	65,429
December	0.036	0.019	0.004	-0.003	0.097	<ecel>