ETLA Piekkola & Harmoinen H annu PiekkolaLiisaH arm oinen The Research Institute ofthe Finnish Econom y (ETLA ) Lönnrotinkatu 4B,FIN -00120 H elsinki. Fax:358-9-601 753 E-m ail: [email protected], Liisa.Harmoinen@ etla.fi AGIR & DEMWEL Seminar 12-14 June, 2003 ETLA, Helsinki Options for Retirement: Health and Time Use in a Cross-Section of Countries