The consequences of divorce for financial living standards in later life

Australian Institute of Family Studies Research Paper No. 38

Appendix

Figure A1: Age-specific divorce rates, Australian males, 1981-2001

Graph of age-specific divorce rates

Source: Australian Bureau of Statistics (2004).

Table A1: Determinants of probability of owning house outright, logit model

	Men		Women
	Coefficient		Coefficient
Current marital status
Divorced and remarried	-0.729	***	-0.550	*
Divorced and single	-1.599	***	-1.149	***
Widowed and never divorced	-		-0.121
(Married and never divorced)
Age^a	0.088	*	0.067	**
Age squared	-0.005		-0.007	**
Educational qualification
Degree or higher	0.161		0.033
Some post-school qualification	0.292	*	0.143
(No post-school qualification)
Employed	-0.235		-0.079
Number of children	-0.132	*	-0.199	***
Country of birth
Other mainly English-speaking countries	-0.226		-0.015
Non-English speaking countries	-0.609	**	-0.499
(Australia)
Intercept	1.803	***	1.967	***
Chi-square	107.48	***	70.43	***
Number of observations	1152		1290

Notes: (a) * p<0.1; ** p<0.01; *** p<0.001. (b) For binary explanatory variables, the omitted (reference) category is in bracket. a age is centred at 63.
Source: HILDA, wave 2, 2002.

Table A2: Determinants of receiving an income support payment, logit model

	Men		Women
	Coefficient		Coefficient
Current marital status
Divorced and remarried	0.182		0.154
Divorced and single	0.507	*	1.242	***
Widowed and never divorced			0.968	***
(Married and never divorced)
Age^a	0.121	***	0.140	***
Age squared	0.005		-0.007	*
Education
Degree or higher	-1.530	***	-1.162	***
Some post-school qualification	-0.279		-0.677	***
(No post-school qualification)
Employed	-2.684	***	-2.104	***
Number of children	0.026		0.145	**
Country of birth
Other mainly English-speaking countries	0.080		0.308
Non-English speaking countries	0.408		0.593	*
(Australia)
Intercept	0.750	***	0.560	**
Chi-square	266.86	***	286.58	***
Number of observations	1152		1290

Notes: (a) * p<0.1; ** p<0.01; *** p<0.001. (b) For binary explanatory variables, the omitted (reference) category is in bracket. a age is centred at 63.
Source: HILDA, wave 2, 2002.

Table A3: Determinants of having superannuation, logit model

	Men		Women
	Coefficient		Coefficient
Current marital status
Divorced and remarried	-0.481	*	-0.144
Divorced and single	-0.852	**	-0.377	*
Widowed and never divorced			0.112
(Married and never divorced)
Age^a	-0.100	***	-0.127	***
Age squared	-0.004		-0.005
Education
Degree or higher	0.990	***	1.111	***
Some post-school qualification	0.320	*	0.709	***
(No post-school qualification)
Employed	1.569	***	2.280	***
Number of children	-0.135	**	-0.121	*
Country of birth
Other mainly English-speaking countries	-0.310		0.080
Non-English speaking countries	-1.089	***	-0.692	*
(Australia)
Intercept	0.476	*	-0.727	***
Chi-square	216.2	***	289.1	***
Number of observations	1152		1290

Notes: (a) * p<0.1; ** p<0.01; *** p<0.001. (b) For binary explanatory variables, the omitted (reference) category is in bracket. a age is centred at 63.
Source: HILDA, wave 2, 2002.

Table A4: Determinants of equivalent household income ($'000), ordinary least squares

	Men		Women
	Coefficient		Coefficient
Current marital status
Divorced and remarried	5.98		-3.41
Divorced and single	-8.98	**	-12.34	***
Widowed and never divorced	-		-3.38
(Married and never divorced)
Age^a	-1.02	***	-1.13	***
Age squared	0.03	*	0.08	**
Education
Degree or higher	14.50	***	13.17	***
Some post-school qualification	0.30		6.96	**
(No post-school qualification)
Employed	15.59	***	13.30	***
Number of children	-1.43	*	-0.82
Country of birth
Other mainly English-speaking countries	0.58		-1.66
Non-English speaking countries	-5.66	*	-3.41
(Australia)
Intercept	30.2	***	27.3	***
R-squared	0.131		0.129
Number of observations	1152		1290

Notes: (a) * p<0.1; ** p<0.01; *** p<0.001. (b) For binary explanatory variables, the omitted (reference) category is in bracket. a age is centred at 63.
Source: HILDA, wave 2, 2002.

Table A5: Determinants of per capita net household wealth ($'000), ordinary least squares

	Men		Women
	Coefficient		Coefficient
Marital status
Divorced and remarried	19.00		-44.45
Divorced and single	-56.20		-156.77	***
Widowed and never divorced			35.60
(Married and never divorced)
Age^a	0.05	***	2.16
Age squared	0.00	***	-0.51
Education
Degree or higher	307.44	***	212.46	***
Some post-school qualification	76.93	***	104.24	***
(No post-school qualification)
Employed	112.63	***	119.02	**
Number of children	-24.28	***	-27.93	***
Country of birth
Other mainly English-speaking countries	-21.53		-50.96	*
Non-English speaking countries	-120.68	***	-53.78
(Australia)
Intercept	330.63	***	363.15	***
R-squared	0.122		0.07
Number of observations	1152		1290

Notes: (a) * p<0.1; ** p<0.01; *** p<0.001. (b) For binary explanatory variables, the omitted (reference) category is in bracket. a age is centred at 63.
Source: HILDA, wave 2, 2002.

Table A6: Determinants of amount of government pension/benefits per week, ordinary least squares

	Men		Women
	Coefficient		Coefficient
Current marital status
Divorced and remarried	9.85		10.25
Divorced and single	37.30	***	61.33	***
Widowed and never divorced			54.98	***
(Married and never divorced)
Age^a	1.46	*	4.26	***
Age squared	0.37	***	-0.06
Education
Degree or higher	-40.74	***	-37.76	***
Some post-school qualification	-13.36	*	-25.14	***
(No post-school qualification)
Employed	-98.74	***	-78.03	***
Number of children	0.78		6.09	***
Country of birth
Other mainly English-speaking countries	-4.37		11.63
Non-English speaking countries	2.40		23.08	***
(Australia)
Intercept	113.95	***	90.82	***
R-squared	0.353		0.403
Number of observations	1152		1290

Notes: (a) * p<0.1; ** p<0.01; *** p<0.001. (b) For binary explanatory variables, the omitted (reference) category is in bracket. a age is centred at 63.
Source: HILDA Wave 2, 2002.

Table A7: Determinants of amount of superannuation ($'000), ordinary least squares

	Men		Women
	Coefficient		Coefficient
Current marital status
Divorced and remarried	1.72		-11.76
Divorced and single	-51.22	***	-26.72	**
Widowed and never divorced			-15.54	*
(Married and never divorced)
Age^a	-3.73	***	-0.17
Age squared	-0.32	*	-0.27	*
Education
Degree or higher	172.06	***	56.24	***
Some post-school qualification	34.03	***	20.58	*
(No post-school qualification)
Employed	31.09	*	30.33	*
Number of children	-5.74	*	-3.13	*
Country of birth
Other mainly English-speaking countries	-32.71	***	-3.27
Non-English speaking countries	-81.63	***	-11.31
(Australia)
Intercept	104.41	***	48.56	***
R-squared	0.147		0.061
Number of observations	1152		1290

Notes: (a) * p<0.1; ** p<0.01; *** p<0.001. (b) For binary explanatory variables, the omitted (reference) category is in bracket. a age is centred at 63.
Source: HILDA Wave 2, 2002.

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