Table 5. Risk Ratios from Proportional Hazard Models of Work Disability MODEL 1 MODEL 2 MODEL 3 MODEL 4 MODEL 5 MODEL 6 MODEL 7 MODEL 8 VARIABLES African American 2.03*** 1.74*** 1.28** 1.44*** 1.21 1.16 1.06 1.28* Age .97** .90*** .89*** .84*** .89*** .89*** .89*** .84*** Time 1.06*** 1.06*** 1.13*** 1.06*** 1.06*** 1.06*** 1.13*** Education .84*** .90*** .93*** .90*** .99** .93*** .94*** Health Measures Number of Diagnosed Conditions, W1 1.18*** 1.19*** 1.16*** 1.15*** 1.15*** 1.14*** Self-Rated Health, W1 1.85*** 1.86*** 1.83*** 1.82*** 1.77*** 1.80*** WORK CHARACTERISTICS Wage/ Week 1.0 .99 Hours/ Week 1.01* 1.01** Log of Pension Wealth .98 .99 Years Worked Over Life Course .98*** .98*** Occupation Blue collar 1.08 1.10 Service .99 .99 White Collar d d Self employed .51*** .54** Pension Status Covered by pension 1.19 1.22