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Table 1 Factors affecting transition from career employment to bridge employment or retirement: Estimates from discrete-time competing-risks model

	Coefficient	Standard error	Coefficient	Standard error
	Bridge employment		Retirement
Age¹	0.364^*	0.108	0.535^*	0.165
Age to the power of 2¹	-0.111^*	0.030	-0.076	0.052
Age to the power of 3¹	-0.018	0.012	-0.045^*	0.022
Age to the power of 4¹	0.006^*	0.001	0.004^*	0.002
Age to the power of 5¹	0.001^*	0.000	0.002^*	0.001
Women (ref. men)	0.322	0.177	0.059	0.307
Spouse/partner (ref. spouse/partner working)
No spouse/partner	0.010	0.229	0.308	0.398
Spouse/partner not working	0.605^*	0.166	0.822^*	0.399
Health status (ref. very good)
Excellent	-0.276	0.199	-0.756	0.404
Good	-0.178	0.188	-0.224	0.318
Fair or poor	0.099	0.265	0.235	0.380
Stress level (ref. somewhat stressful)
Very stressful	0.185	0.208	0.696	0.438
Not very stressful	0.528^*	0.165	0.593	0.378
Not at all/no opinion	0.160	0.272	0.581	0.454
Education (ref. less than high school)
High school	0.341	0.220	0.028	0.424
Postsecondary certificate	0.270	0.196	-0.281	0.373
University degree	0.629^*	0.225	0.135	0.554
Unknown	-0.156	1.243	0.187	8.126
Years (≥ 6 months) worked full-time (ref. 21 to 35)
0 to 20	-0.318	0.235	-0.668	0.403
Over 35	-0.038	0.195	-0.399	0.419
Unknown	0.048	0.219	-0.929^*	0.432
Annual work hours t-1 (ref. 1,501 to 2,500)
1 to 500	0.516	0.454	1.942^*	0.540
501 to 1,500	0.733^*	0.186	0.592	0.418
Over 2,500	0.174	0.275	-0.368	3.107
Hourly wage rate	0.027^*	0.007	0.003	0.015
Income quintile (ref. third)
Lowest	0.009	0.379	1.206^*	0.595
Second	0.380	0.232	0.204	0.566
Fourth	0.159	0.217	0.896	0.531
Highest	0.341	0.219	0.708	0.586
Employer pension plan (ref. no)	0.531^*	0.159	1.200^*	0.316
Urban area (ref. 500,000 and over)
0 to 29,999	0.613^*	0.233	-0.164	0.458
30,000 to 99,999	0.305	0.272	0.421	0.664
100,000 to 499,999	0.291	0.203	0.344	0.433
Rural area	0.661^*	0.202	0.592	0.387
Constant	-4.300^*	0.365	-5.238^*	0.817
* significantly different from a reference group (ref.) or zero at the 0.05 level Note 1: Age (centered on the mean) and its powers (Age² to Age⁵) are used to model a linear and various non-linear relationships between age and the conditional probability of entering bridge employment or retirement (see Data source and definitions). Initial sample size was 2,985. Standard errors were estimated by the bootstrap method. Source: Statistics Canada, Survey of Labour and Income Dynamics, panel 3, 1999 to 2004.