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PENSIM output file .COV

--- .COV file contains pension lifetime coverage statistics for each
         cohort sample individual.

The PENSIM runNNNNN.cov file has no heading lines and no summary lines.  
The file contains a single row of tab-delimited lifetime pension coverage
statistics for each individual who is a cohort sample member.  The
"rectangular" format of the .cov file makes it suitable for tabulating
with an AWK program.

FORMAT OF INDIVIDUAL SINGLE-ROW RECORD:
( 1) scenario: scenario number
( 2) individual id: individual number (starts at 1 for each scenario)
( 3) individual gender: 0 ==> male, 1 ==> female
( 4) individual education: individual's highest educational attainment
       0 ==> no high school (died before entering school)
       1 ==> high school dropout        2 ==> high school graduate
       3 ==> attended some college      4 ==> four-year college degree or
                                              graduate degree
( 5) individual immigration age: 0 ==> native-born; 1+ ==> foreign-born
       (immigration occurs at start of year) (see documentation age below)
( 6) individual emigration age: 999 ==> no emigration
       (emigration occurs at start of year)
( 7) individual disability onset age: -1 ==> no disability onset
       (disability onset age is rounded to nearest integer age)
( 8) individual disability recovery age: -1 ==> no disability recovery
       (disability recovery age is rounded to nearest integer age)
( 9) individual retirement age: -1 ==> no retirement
       (retirement age is -1 if death or disability w/o recovery occurs first)
       (retirement age is rounded to nearest integer age)
(10) individual death age
       (death always occurs at end of year just before next birthday)
(11) number of lifetime jobs held by individual
(12) number of lifetime jobs on which employer sponsors DB-only pension
(13) number of lifetime jobs on which employer sponsors DC-only pension
(14) number of lifetime jobs on which employer sponsors both DB and DC pension
NOTE: sponsorship of frozen plans is included in the three above statistics.
(15) number of lifetime jobs on which eligible for DB pension
(16) number of lifetime jobs on which eligible for DC pension
NOTE: an individual can be eligible for a frozen pension plan.
(17) number of lifetime jobs on which employee vests in DB pension
(18) number of lifetime jobs on which employee vests in DC pension
NOTE: "vest" means at least some partial vesting in employer contributions.
NOTE: an individual can never vest in pension plan after it is frozen.
(19) number of lifetime jobs where eligible for DC pension with auto-enrollment
(20) duration of longest job (in years; -1 if no longest job)
(21) longest job part time: 0 ==> no, 1 ==> yes, -1 ==> no longest job
(22) longest job unionized: 0 ==> no, 1 ==> yes, -1 ==> no longest job
(23) longest job industry: 0-9 one-digit SIC code, -1 ==> no longest job
(24) longest job firm size: 1 ==> less than 25 employees,
                            2 ==> 25-99 employees,
                            3 ==> at least 100 employees, -1 ==> no longest job
(25) longest job sponsors pension: 0 ==> no; 1 ==> yes; -1 ==> no longest job
(26) number of years held full-time jobs over individual lifetime
(27) number of years held part-time jobs over individual lifetime
(28) number of years fully vested in DB plans over individual lifetime
(29) number of years fully vested in DC plans over individual lifetime
(30) jobs in (17) where earnings are exempt from social security payroll taxes
(31) jobs in (18) where earnings are exempt from social security payroll taxes
(32) individual's lifetime asset-allocation style [1..4]
(33) individual's age at "first annuity contract purchase opportunity" (facpo)
       [zero age at facpo implies there never was a facpo]
(34) individual+spouse rollover account balance ($K) at facpo
       [meaningless if facpo age is zero]
(35)  individual+spouse DB-plan benefits ($K) at facpo
       [meaningless if facpo age is zero]
(36) individual's relative life expectancy minus one at facpo
       [meaningless if facpo age is zero or if PAWITH1.acp_adj? are all zero]
(37) individual's rollover balance fraction spent on immediate annuity at facpo
       [meaningless if facpo age is zero]
(38) individual's immediate annuity price at facpo
       [meaningless if facpo age is zero or if fraction spent (37) is zero]
(39) individual's immediate annuity J&S survivor benefit fraction
       [meaningless if facpo age is zero or if fraction spent (37) is zero]
(40) individual's rollover balance withdrawal rate at facpo
       [meaningless if facpo age is zero]
(41) age at which ind gains USA immigration documentation (0 for native-born)
(42) age from which ind can document earnings (0 for native-born)[(42)<=(41)]
(43) whether undocumented immigrant pays OASDI payroll taxes: 0==>no, 1==>yes
       [meaningless at ages when individual is not an undocumented immigrant]