ISR|SRC|Michigan Retirement Research Center|UofM
Mailing List | News | Contact Us
Follow onTwitter
Main photo Promoting research on retirement and Social Security policy

Research Projects

Sort by Title | Sort by Year

2017

“If I am in Good Health”: Using Subjective Conditional Expectations Relating Health to Retirement with Lesson for Social Security Claiming and Sustainability (UM17-06)
Pamela Giustinelli and Matthew D. Shapiro

2009

401(k) Plan Investment Efficiency: Who Are the Winners and Why? (UM09-07)
Ning Tang, Olivia S. Mitchell, Stephen P. Utkus and Gary R. Mottola

2011

A Causal Model of the Effect of Employer Accommodation on the Timing of Application for Social Security Disability Insurance Following the Onset of a Disability: Evidence from Employment Protection Laws (UM11-02)
Maximilian D. Schmeiser, Richard V. Burkhauser and Lauren Nicholas

2007

A Cross-National Comparison of Self-employment Dynamics at Older Ages (UM07-18)
Julie Zissimopoulos, Lynn Karoly and Nicole Maestas

A Longitudinal Analysis of Entry of the Low-Income Elderly into the Supplemental Security Income Program (UM07-02)
Elizabeth Powers and Todd Elder

A Model of Unretirement (UM07-03)
Nicole Maestas

2002

A Structural Model of the Family that Jointly Explains Retirement and Saving Behavior, with Analyses of the Effects of Current and Proposed Social Security Policies In A Family Context (UM02-06)
Alan L. Gustman and Thomas L. Steinmeier

2013

A User's Guide to Idiosyncratic Income Risk (UM13-08)
Fatih Guvenen and Jae Song

2012

Accounting for Trends in Labor Force Behavior by Age: Common or Age-Specific Explanations? (UM12-03)
David Blau

Adequacy of Economic Resources in Retirement and Returns-to-scale in Consumption (UM07-07)
Michael Hurd and Susann Rohwedder

2008

Adequacy of Economic Resources in Retirement: Model-Based Estimations (UM08-11)
Michael Hurd and Susann Rohwedder

Adjusting Social Security Unfunded Liability for Risk (UM09-03)
Laurence J. Kotlikoff

2016

Adjusting the Payroll Tax to Promote Longer Careers (UM16-01)
John P. Laitner and Daniel Silverman

Affordable Care Act and the Post-Displacement Labor Supply among the Near-Elderly (UM17-17)
Chichun Fang

Alternative Measures of Character Skills and Their Effect on Retirement Preparation and Financial Capability (UM17-12)
Gema Zamarro, Angela Lee Duckworth and Arie Kapteyn

2006

Alternative Measures of Replacement Rates (UM06-03)
Michael Hurd and Susann Rohwedder

2014

Americans' Willingness to Voluntarily Delay Retirement. (UM14-02)
Olivia S. Mitchell, Raimond H. Maurer and Yong Yu

2001

An Analysis of the Impact of Varying the Social Security Early Entitlement Age and Normal Retirement Age in a Structural Model of Retirement Wealth (UM01-02)
Alan L. Gustman and Thomas L. Steinmeier

An Analysis of the Representativeness of the Low-Income Population in the HRS and SIPP (UM11-16)
Erik Meijer and Lynn Karoly

2010

Analysis of Policy Options for Older Workers Experiencing Work-Limitation Onset (UM10-03)
Jody Schimmel Hyde and David Stapleton

2000

Applications, Denials and Appeals for Social Security Disability Insurance (UM00-06)
Olivia S. Mitchell and John W. R. Phillips

Are 40l(k) Saving Rates Changing? Cohort/Period Evidence from the HRS (UM07-05)
Marjorie Honig and Irena Dushi

Are All Americans Saving Adequately for Retirement (UM08-01)
John Karl Scholz and Ananth Seshadri

Are Early Retirees Less Healthy? The Role of Health in Social Security Claiming Decisions (UM08-21)
Nicole Maestas and Xiaoyan Li

1999

Assessing the Impact of Changes in the Early Social Security Retirement Age (UM99-01)
Olivia S. Mitchell and John W. R. Phillips

Assessing the Risks and the Costs of the Risks Posed by Social Security’s Potential Insolvency (UM06-16)
Laurence J. Kotlikoff

2003

Back to Work: Trends in Post-Retirement Employment (UM03-15)
Nicole Maestas

Behavioral Effects of Social Security Policies on Benefit Claiming, Retirement and Saving (UM12-04)
Alan L. Gustman and Thomas L. Steinmeier

Behavioral Factors and Long-run Financial Well-being (UM17-13)
Victor Stango, Joanne Yoong and Jonathan Zinman

Bequest Motives and Asset Decumulation at the End of Life (UM10-16)
John Bailey Jones, Mariacristina De Nardi and Eric French

Borrowing from Yourself: The Determinants of 401(k) Loan Patterns (UM10-10)
Olivia S. Mitchell and Timothy Jun Lu

Buffering Shocks to Well-Being Late in Life (UM09-05)
Matthew D. Shapiro

Causes and Consequences of Financial Mismanagement at Older Ages (UM17-16)
Olivia S. Mitchell, Annamaria Lusardi, Marguerite DeLiema and Martha Deevy

2004

Changes in Consumption and Activities in Retirement (UM04-13)
Michael Hurd and Susann Rohwedder

Changes in Income, Wealth, or Medical Expenses? A New Look at the Causes of Poverty Among Widows (UM03-08)
Robert F. Schoeni and Kathleen McGarry

2005

Changing Health Insurance Options and SSI Participation Among the Elderly (UM05-16)
Todd Elder and Elizabeth Powers

2015

Changing Work Demands and Compositional Changes in Occupations: Effects on Expected Retirement (UM15-01)
Brooke Helppie McFall, Amanda Sonnega and Robert J. Willis

Characteristics Of And Determinants Of The Density Of Contributions in a Private Social Security System (UM03-04)
David Bravo, Jere Behrman and Osvaldo Larrañaga

Children and Household Wealth (UM07-12)
John Karl Scholz and Ananth Seshadri

Cognition, Health, Employment, and Wages Near Retirement in England (UM17-02)
Eric French, Jack Britton, Monica Costa Dias and Richard Blundell

Cognitive Ability, Expectations, and Beliefs about the Future: Psychological influences on retirement decisions (UM13-Q4)
Andrew Parker, Susann Rohwedder and Leandro Carvalho

Cognitive Function and Financial Knowledge: A Human Capital Approach (UM10-08)
Robert J. Willis, Kandice Kapinos and Brooke Helppie McFall

Cognitive Skills, Numeracy and Retiree Health Care Expenditure (UM10-20)
Daniel Silverman, Hanming Fang and Lauren Nicholas

Cohort Changes in Social Security Benefits and Pension Wealth (UM16-11)
Chichun Fang, Charles Brown and David Weir

Communication with Individuals with Intellectual and Psychiatric Disabilities: A Literature Review (UM12-Q1)
Walton O. Schalick III

Consistency of the Disability Determination Process and Labor Supply Outcomes (UM10-04)
Nicole Maestas and Kathleen Mullen

Consumption and Differential Mortality (UM11-17)
Susann Rohwedder and Michael Hurd

Consumption and Economic Well-Being at Older Ages (UM05-08)
Michael Hurd and Susann Rohwedder

Consumption and Time-Use Before and After Retirement (UM03-10)
Michael Hurd and Susann Rohwedder

Continued Development and Public Dissemination of RAND HRS Data (UM04-09)
Michael Hurd

Critical Literature Review on the Evidence that Employer Matching Contributions to Defined Contribution Plans Increases Employee Participation in and Contributions to Such Plans (UM99-Q4)
Frank Stafford

Debt and Debt Management among Older Adults (UM13-09)
Olivia S. Mitchell and Annamaria Lusardi

Defined Benefit Pension Plans: a Stochastic Dynamic Programming Approach (UM02-D1)
David McCarthy

Designing Optimal Pension Payouts Using Life Annuities and Phased Withdrawals: A Portfolio Approach (UM06-11)
Raimond H. Maurer

Development of a Longitudinally Consistent Dataset for the Health and Retirement Study (UM04-10)
F. Thomas Juster, Joseph P Lupton, Michael Perry and Honggao Cao

Did Age Discrimination Protections Help Older Workers Weather the Great Recession? (UM13-04)
David Neumark

Differential Mortality Trends and Social Security Policy. (UM14-11)
John Bound, Arline Geronimus and Timothy A. Waidmann

Diminishing Margins: Housing Market Declines and Family Financial Responses (UM11-Q2)
Frank Stafford and Erik Hurst

Disability Benefits as Social Insurance: Tradeoffs between Screening Stringency and Benefit Generosity in Optimal Program Design (UM00-13)
John Bound and Timothy A. Waidmann

Disability Benefits as Social Insurance: Valuing Changes in DI Benefit Generosity (UM00-12)
John Bound and Julie Berry Cullen

Dissertation Research: "Defined Benefit Pension Plan Liabilities and International Asset Allocation" (UM03-D2)
Tongxuan Yang

Dissertation Research: "Elderly Households and Housing Wealth: Do They Use It or Lose It?" (UM03-D1)
Lina Walker

Dissertation Research: "The Employment of Working Age People with Disabilities: A Comparison of PSID and CPS Results" (UM03-D3)
Johan Mathis Schröder

Dissertation Research: Wealth Shocks and Retirement Timing (UM00-D1)
Purvi Sevak

Distributional Effects of Means Testing Social Security: An Exploratory Analysis. (UM14-01)
Alan L. Gustman, Thomas L. Steinmeier and Nahid Tabatabai

Do Extended Family Linkages Reduce Retirement Wealth and Consumption? (UM14-04)
Robert F. Schoeni and Kathleen McGarry

Do Individual Retirement Account Systems Postpone Retirement?: Evidence from Chile (UM04-07)
Estelle James and Alejandra Cox Edwards

Do State Age Discrimination Protections Reduce Hiring Discrimination Against Older Workers? (UM16-04)
David Neumark

Does Disability Insurance Save Lives? (UM12-18)
Kathleen Mullen, Nicole Maestas and Alexander Strand

Does Eliminating the Earnings Test Increase Old-Age Poverty of Women? (UM15-08)
David Neumark

Does Retirement Influence Subjective Well-Being? A Cross-Country Comparison (UM13-14)
Arie Kapteyn, Jinkook Lee and Gema Zamarro

Dropping Out of Social Security (UM01-01)
Kent Smetters and Jan Walliser

Dynamic Retirement Expectations using the Health and Retirement Study (UM02-11)
Hugo A. Benítez-Silva and Debra Sabatini Dwyer

Early Retirement Windows (UM01-04)
Charles Brown

Early Retirement Windows Year 2 (UM02-07)
Charles Brown

Early Retirement, Labor Supply, and Benefit Withholding (UM08-09)
Hugo A. Benítez-Silva and Frank Heiland

Early Social Security Claiming and Cognitive Resources (UM08-07)
Adeline Delavande and Robert J. Willis

Earnings and 401(k) Contribution Profiles of Three Cohorts: Evidence from Social Security Records (UM09-13)
Marjorie Honig and Irena Dushi

Earnings Growth as a Predictor of Mortality with an Application to Immigrant Mortality (UM10-24)
Harriet Duleep and David A. Jaeger

Economic hardship among the elderly: How important is failure to take up public programs? (UM09-14)
Helen Levy

Effects of Legal and Unauthorized Immigration on the U.S. Social Security System (UM11-07)
Hugo A. Benítez-Silva, Eva Carceles-Poveda and Selcuk Eren

Efficiency Gains and Social Security Reform (UM05-19)
John P. Laitner and Daniel Silverman

Endogenous Labor Supply Responses to Social Security Reform (UM02-03)
John P. Laitner

Enhancing Data Quality through Longitudinal Imputation: Studies of the Income and Asset Data from HRS and AHEAD (UM05-06)
F. Thomas Juster, Daniel H. Hill, Honggao Cao and Michael Perry

Enhancing the Quality of Data on Income and Wealth (UM06-01)
F. Thomas Juster, Daniel H. Hill, Honggao Cao and Michael Perry

Ensuring Time-Series Consistency in Estimates of Income and Wealth (UM02-Q3)
F. Thomas Juster

Errors in Subjective Survival Probabilities: Prevalence and Behavioral Responses. (UM07-19)
Todd Elder

Estimates of the Potential Insurance Value of Disability Insurance for Individuals with Mental Health Impairments (UM12-15)
John Bound and Timothy A. Waidmann

Estimating the Health Effects of Changes in Retirement Age (UM07-08)
John Bound and Timothy A. Waidmann

Estimating the Life Cycle Effects of Subjective Survival Probabilities in the Health and Retirement Study (UM05-S1)
Michael Perry

Evaluating Major Reforms in the Innovator Privatization Social Security System (UM11-05)
Olivia S. Mitchell, Jere Behrman and David Bravo

Evaluating Social Security Reforms using Probabilistic Population Forecasts in a Life-cycle Model of Social Insurance (UM06-17)
Warren C. Sanderson, Hugo A. Benítez-Silva and Debra Sabatini Dwyer

Evaluating Social Security's Liabilities (UM04-04)
Kent Smetters

Evaluating Two Technological Interventions Encouraging Retirement Saving (UM13-10)
Olivia S. Mitchell and Stephen P. Utkus

Expectations about Social Security and Retirement Planning: The Role of Uncertainty and the Impact of Economic Shocks (UM12-06)
Adeline Delavande and Susann Rohwedder

Expectations and Consumption (UM13-05)
Michael Hurd and Susann Rohwedder

Experimental Analysis of Delayed Social Security Claiming (UM07-01)
Jeff Dominitz and Angela Hung

Explaining the Growth in Social Security Benefits among the Retirement Age Population (UM10-21)
Alan L. Gustman, Thomas L. Steinmeier and Nahid Tabatabai

Exploring the Social Security Benefit Implication of Same-Sex Marriage (UM17-07)
Michael Pollard and Italo Lopez Garcia

EXTENSION RECORD: The Effects of Increases in the Normal Retirement Age When Age Discrimination Protections are Stronger: Evidence from the Hiring Side (UM12-07E)
David Neumark

Extra Help: Take-up of the Social Security Administration’s Low-Income Subsidy Program for Part D of Medicare in 2006. (UM07-06)
David Weir and Helen Levy

Families, Markets and Social Insurance (UM00-09)
Robert J. Willis and David Weir

Financial Capability in the United States: Consumer Decision-Making and the Role of Social Security (UM10-22)
Annamaria Lusardi

Financial Knowledge And Financial Literacy At The Household Level (UM10-12)
Alan L. Gustman, Thomas L. Steinmeier and Nahid Tabatabai

Financial Literacy and Financial Behavior Across the Life-Cycle (UM08-12)
Annamaria Lusardi

Financial Literacy and Financial Sophistication: Evidence from the 2008 HRS (UM09-10)
Annamaria Lusardi

Financial Literacy, Short-run Impatience, and the Determinants of Savings and Financial Management (UM10-11)
Justine Hastings and Olivia S. Mitchell

Financial Risk, Retirement, Saving and Investment (UM06-12)
Alan L. Gustman and Thomas L. Steinmeier

Financial Security Research Symposium (UM16-Q3)
John P. Laitner

Forecasting Labor Force Participation and Economic Resources of the Early Baby-Boomers (UM07-21)
Susann Rohwedder and Pierre-Carl Michaud

Gender, Marriage, and Asset Accumulation in the United States (UM05-12)
Lucie Schmidt and Purvi Sevak

Geographic dispersion and the well-being of the elderly (UM10-15)
Judith A. Seltzer, Kathleen McGarry and Suzanne M. Bianchi

Geographical Proximity and Intergenerational Transfers (UM09-18)
Robert A. Pollak and Janice Compton

Guaranteeing Defined Contribution Pensions: the Option to Buy-back a Defined Benefit Promise (UM02-D2)
Marie-Eve Lachance

Health and Annuities for the Older Population (UM04-03)
Olivia S. Mitchell and Cassio Turra

Health Insurance and Retirement Decisions (UM13-01)
John Karl Scholz and Ananth Seshadri

Health Insurance, Health Care and Labor Supply by Older Adults (UM11-04)
Lauren Nicholas

Health Limitations and Early Retirement (UM99-Q2)
John Bound, Michael Schoenbaum and Timothy A. Waidmann

Health Reform and Health Insurance Coverage among Early Retirees (UM16-15)
Helen Levy, Thomas C. Buchmueller and Sayeh Nikpay

Health Risk in Retirement and Retirement Wealth (UM06-18)
Purvi Sevak and Lina Walker

Health, Health Care Utilization and Age at Initial Social Security Benefit Claiming (UM13-13)
Lauren Nicholas, Helen Levy and John Bound

Health, Wealth, and Gender: Do Health Shocks of Husbands and Wives Have Different Impacts on Household Wealth? (UM01-06)
Jennifer Ward-Batts

Home Production by Dual Earner Couples and Consumption During Retirement (UM06-10)
Christopher House, John P. Laitner and Dmitriy Stolyarov

Household Propensities to Plan for Retirement: A Life Cycle Analysis (UM04-S1)
Erik Hurst

Household Retirement Expectations, Social Security Reform, and Savings Adequacy (UM03-11)
Hugo A. Benítez-Silva and Debra Sabatini Dwyer

Household Savings and Retirement: Expectations and Realizations (UM06-04)
Steven J. Haider and Mel Stephens Jr.

Housing Prices, "Bubbles" and Retirement Timing (UM07-20)
Martin Farnham and Purvi Sevak

How Attractive Are Guarantees In Social Security Personal Retirement Accounts? (UM03-05)
Olivia S. Mitchell and Alexander Muermann

How Changes in Social Security Affect Retirement Trends (UM06-02)
Alan L. Gustman and Thomas L. Steinmeier

How Close to Actuarial Fairness Are Old-Age, Spouse’s and Widower’s Benefits for Current and Future Beneficiaries? (UM13-02)
Frank Heiland and Na Yin

How common is "parking" among SSDI beneficiaries? (UM09-02)
David Stapleton and Jody Schimmel Hyde

How Did the Recession of 2007-2009 Affect the Wealth and Retirement of the Near Retirement Age Population in the Health and Retirement Study? (UM11-08)
Alan L. Gustman, Thomas L. Steinmeier and Nahid Tabatabai

How do Changes in Health and Cognition Affect the Timing of Retirement? Evidence from Occupational Job Demands and Job Mismatch (UM17-10)
Susann Rohwedder, Michael Hurd, Peter Hudomiet and Robert J. Willis

How do Immigrants Fare in Retirement? (UM07-09)
Purvi Sevak and Lucie Schmidt

How Do Low-Income Families Think about Retirement? (UM08-15)
Helen Levy and Kristin S. Seefeldt

How Do Pension Changes Affect Retirement Preparedness? (UM09-09)
Alan L. Gustman, Thomas L. Steinmeier and Nahid Tabatabai

How Does Modeling of Retirement Decisions at the Family Level Affect Estimates of the Impact of Social Security Policies on Retirement? (UM08-03)
Alan L. Gustman and Thomas L. Steinmeier

How Family Status Influences Work and Retirement, Saving and Dissaving, Insurance Demand and Portfolio Choice over the Life Cycle (UM13-12)
Raimond H. Maurer and Olivia S. Mitchell

How Home Equity Extraction and Reverse Mortgages Affect the Financial Well-Being of Senior Households (UM16-12)
Stephanie Moulton, Donald Haurin and Maximilian D. Schmeiser

How Important are Wages to the Elderly? (UM02-09)
David Loughran and Steven J. Haider

How Much Do Respondents in the Health and Retirement Study Know About Their 401(k)s? A Cross-cohort Comparison (UM08-05)
Marjorie Honig and Irena Dushi

How Pension Rules Affect Work and Contribution Patterns: a Behavioral Model of the Chilean Privatized Pension System (UM08-22)
Petra Todd and Viviana Vélez-Grajales

How Retirement Wealth Shortfalls Change with Age (UM04-C1)
Olivia S. Mitchell and John W. R. Phillips

How To Evaluate the Effects of Social Security Policies on Retirement and Saving When Firm Policies Affect the Opportunities Facing Older Individuals (UM03-03)
Alan L. Gustman and Thomas L. Steinmeier

How to Integrate Disability Benefits into a System with Individual Accounts: The Chilean Model (UM05-13)
Estelle James

How Will the Annuities Market Develop If Social Security Includes Individual Accounts? The Case of Chile (UM03-07)
Estelle James, Guillermo Martínez Barros and Augusto Iglesias Palau

Immigrant-Native Fertility and Mortality Differentials in the United States (UM08-02)
Purvi Sevak and Lucie Schmidt

Impact of the 1996 SSI Childhood Disability Reforms on Affected Children and Families (UM03-C1)
Paul S. Davies and Lynn Karoly

Imperfect Knowledge, Retirement and Savings (UM00-08)
Alan L. Gustman and Thomas L. Steinmeier

Implications of Chronic Health Conditions on Work-Force Participation: Disability, Retirement, Caregiving, and Lost Productivity (UM01-11)
Kenneth M. Langa, Sandeep Vijan and Caroline R. Richardson

Implications of Cognitive and Physical Impairment for Management of Financial Resources Including Individual Accounts (UM00-04)
Lee Lillard and Robert J. Willis

Implications of High Risk Health Behaviors on Work-Force Participation: Disability, Retirement, and Lost Productivity (UM02-12)
Kenneth M. Langa, Sandeep Vijan and Caroline R. Richardson

Improving Modeling Behavioral Response to Policy Change: Mircosimulation in the Presence of Heterogeneity (UM01-08)
Constantijn W. A. Panis and Lee Lillard

Individuals’ Uncertainty about Their Future Social Security Benefits (UM08-08)
Adeline Delavande and Susann Rohwedder

Induced Entry into the SSDI Program: Using SGA Changes as a Natural Experiment (UM11-Q1)
Gema Zamarro, Nicole Maestas and Kathleen Mullen

Intergenerational transfers, wealth accumulation and inequality (UM17-15)
Eric French, Andrew Hood and Cormac O'Dea

International comparisons: The Effect of Policy on Work, Disability and Wealth (UM09-16)
Pierre-Carl Michaud, Michael Hurd and Susann Rohwedder

Investment Decisions in Retirement: the role of expectations, health risk and pension benefits (UM12-13)
Erik Meijer, Marco Angrisani and Michael Hurd

Investment Patterns and Trading Behavior in 401(k) Pension Accounts (UM07-11)
Olivia S. Mitchell

Investor Behavior and Fund Performance under a Privatized Retirement Accounts System: Evidence from Chile (UM09-17)
Petra Todd and Elena Krasnokutskaya

Is Working Longer Good for You? A Simultaneous Equations Approach. (UM14-09)
Arie Kapteyn, Jinkook Lee and Gema Zamarro

Issue Brief: Occupational Differences in Rates of Cognitive Decline (UM16-10)
Brooke Helppie McFall and Amanda Sonnega

Job Demands and Job Sustainability Over the Life Course (UM16-08)
Kathleen Mullen, Nicole Maestas and Jeffrey B. Wenger

Jr Scholar Research: "Do The Newly Retired Adjust Their Consumption or Labor Supply When Their Retirement Wealth Drops?" (UM03-S1)
Purvi Sevak

Jr Scholar Research: "Testing for Adverse Selection in South African Annuitant Data" (UM03-S2)
David McCarthy

Labor Market and Immigration Behavior of Middle-Aged and Elderly Mexicans (UM08-14)
Emma Aguila and Julie Zissimopoulos

Labor Market Shocks and the Timing of Social Security Benefit Claims (UM11-14)
Nicole Maestas and David Card

Labor Supply Effects of the Interaction Between Social Security Disability and Retirement Benefits (UM08-13)
Nicole Maestas

Labor Supply Flexibility and Portfolio Decisions of Older Americans (UM03-09)
Hugo A. Benítez-Silva

Labor Supply of Older Americans: Effects of Tax Rates and Tax Treatment of Pension and Social Security Income (UM06-08)
Lucie Schmidt and Purvi Sevak

Labor Supply Responses to Changes in the Payroll Tax for Older Individuals (UM15-04)
David Powell

Life-Cycle Saving in Dual-Earner Households (UM04-14)
John P. Laitner, Christopher House and Dmitriy Stolyarov

Lifetime Uncertainty and Social Security Reform (UM03-02)
John P. Laitner

Literature Review: Lifetime consequences of early and mid-life access to health insurance (UM16-Q1)
Gwyn Pauley, Julie Zissimopoulos and Etienne Gaudette

Long-Run Determinants of Intergenerational Transfers. (UM14-03)
Ananth Seshadri, John Karl Scholz and Kamil Sicinski

Macroeconomic Conditions and Updating of Expectations by Older Americans (UM11-13)
Purvi Sevak and Lucie Schmidt

Macroeconomic Determinants of Retirement Timing (UM13-06)
Dmitriy Stolyarov and Yuriy Gorodnichenko

Managing the Risk of Life (UM07-04)
Adeline Delavande and Robert J. Willis

Marital Histories and Economic Well-Being (UM08-10)
Julie Zissimopoulos, Amy J. Rauer and Benjamin Karney

Market and Non-Market Activities of Older Americans (UM05-18)
Daniel S. Hamermesh

Market-based Guarantees in Investment-linked Decumulation Pension Programs: Pricing, Risk Management, and Financial Well-being for Retirees (UM09-12)
Raimond H. Maurer

Marriage Shocks and Wealth Changes Over the Lifecycle (UM09-19)
Julie Zissimopoulos

Means-testing Social Security: Modelling and Policy Analysis (UM15-14)
Rafal Chomik, John Piggott, Alan D. Woodland, George Kudrna and Cagri Kumru

Measuring Economic Preparation for Retirement: Income Versus Consumption (UM15-10)
Michael Hurd and Susann Rohwedder

Measuring Re-Immigration Flows from Mexico (UM13-15)
Peter B. Brownell and Michael S. Rendall

Medicare Expenditures, Social Security Reform, and the Labor Force Participation of Older Americans (UM15-13)
Hugo A. Benítez-Silva

Mental Health and Labor Force Exits: The Mediating or Moderating Roles of Physical Health and Job Factors (UM01-07)
Linda Wray

Mismeasurement of Pensions Before and After Retirement: The Mystery of the Disappearing Pensions with Implications for the Importance of Social Security as a Source of Retirement Support (UM12-10)
Alan L. Gustman, Thomas L. Steinmeier and Nahid Tabatabai

Modeling the Dynamic Macroeconomic Consequences of Social Security Reform (UM01-05)
John P. Laitner

Modeling the Macroeconomic Implications of Social Security Reform (UM00-11)
John P. Laitner

Models of Endogenous Retirement and the Labor Supply Effects of Social Security (UM09-06)
Richard Rogerson

Mortality Risk and Early Retirement (UM00-05)
Michael Hurd and James P. Smith

Mortgage Distress of the Elderly: How Strong are Family Ties? (UM10-09)
Frank Stafford and Elena Gouskova

Multiple Program Use by Older Americans: Social Security, Early Retirement, and Supplemental Security Income (UM02-13)
Elizabeth Powers and David Neumark

New Analysis of HRS Data on Intergenerational Transfers (UM12-05)
John P. Laitner and Amanda Sonnega

New Explorations of Health and Wealth (UM10-19)
John Karl Scholz and Ananth Seshadri

New HRS Data on Intergenerational Transfers (UM10-14)
John P. Laitner and Amanda Sonnega

Non-Monetary Job Characteristics and Employment Transitions at Older Ages (UM15-02)
Marco Angrisani, Arie Kapteyn and Erik Meijer

Obesity, Disability and the Movement onto the DI and SSI Rolls (UM04-08)
Richard V. Burkhauser and John H. Cawley

Obstacles to Saving Among Economically Vulnerable Women (UM08-Q3)
Helen Levy and Kristin S. Seefeldt

Occupational Transitions Among Older Workers (UM16-03)
Amanda Sonnega, Brooke Helppie McFall and Robert J. Willis

Older People's Willingness to Delay Social Security Claiming (UM16-05)
Olivia S. Mitchell and Raimond H. Maurer

Optimal Retirement Plan Design: Variable Annuities with Lifetime Income Guarantees and Investment Downside Protection (UM13-Q3)
Raimond H. Maurer and Olivia S. Mitchell

Papers on International Social Insurance Program Reform (UM03-01)
Agar Brugiavini and Axel H. Börsch-Supan

Parental Transfers to Unemployed Children: Savings, Consumption, and Retirement Effects (UM17-18)
Jeffrey B. Wenger and Kathryn Edwards

Pareto Improving Personal Accounts (UM04-02)
Kent Smetters

Pathways to Bad Retirement Outcomes (UM06-14)
Susann Rohwedder

Pension Plan Documents from Government Sources (UM08-Q1)
Charles Brown and David Weir

Pension Reform in Mexico: The Effect of Personal Retirement Accounts on Preparation for Retirement (UM08-16)
Emma Aguila, Michael Hurd and Susann Rohwedder

Personal Social Security Accounts: Quantifying the Macro and Efficiency Effects (UM05-15)
Kent Smetters

Personal Social Security Accounts: Quantifying the Macro and Efficiency Effects II (UM06-07)
Shinichi Nishiyama and Kent Smetters

Personality and Response to the Financial Crisis (UM11-09)
Angela Lee Duckworth and David Weir

Personality Traits and Economic Preparation for Retirement (UM12-11)
Michael Hurd, Angela Lee Duckworth, Susann Rohwedder and David Weir

Personality, Lifetime Earnings, and Retirement Wealth (UM10-13)
David Weir and Angela Lee Duckworth

Planning and Financial Literacy Among US Households: New Evidence from the Rand Internet Panel (UM07-10)
Annamaria Lusardi

Planning and Financial Literacy: How Do Women Fare? (UM06-05)
Annamaria Lusardi

Planning, Financial Literacy, and Retirement Wealth (UM05-09)
Annamaria Lusardi and Olivia S. Mitchell

Policy Implications of the Demand for and Supply of Informal Long-term Care (UM13-03)
Lee Lockwood and Ethan Lieber

Policy Interactions between Increases in the Normal Retirement Age and Age Discrimination Laws (UM11-15)
David Neumark

Post-Retirement Adjustments in Defined Benefit Pensions (UM10-17)
Charles Brown

Private Pensions and Decisions of When to Retire (UM07-16)
John P. Laitner and Daniel Silverman

Probabilistic Thinking and Early Social Security Claiming (UM06-09)
Robert J. Willis and Adeline Delavande

Racial Differences in the Use of VA Health Services (UM15-Q2)
Chichun Fang, Kenneth M. Langa, Helen Levy and David Weir

Recessionary Impacts on SSI Participation (UM12-20)
Lucie Schmidt, Purvi Sevak and Austin Nichols

Reconciling Findings on the Employment Impact of Disability Insurance (UM09-01)
John Bound and Timothy A. Waidmann

Redistribution under the Social Security Benefit Formula Based on Intermittent Work History Versus Low Wage Rates (UM99-04)
Alan L. Gustman and Thomas L. Steinmeier

Representative versus Actual Lifetime Earnings Trajectories (UM02-C2)
Olivia S. Mitchell, John W. R. Phillips and Sylvester J. Schieber

Research Agenda for Global Aging (UM04-Q1)
Axel H. Börsch-Supan

Research Policy Brief: Means Testing in the Australian System of Retirement Incomes. (UM14-10)
John Piggott

Retirement in Japan and the United States: Cross-national Comparisons using the Japanese Study of Aging and Retirement (JSTAR) and the U.S. Health and Retirement Study (HRS) (UM12-22)
Olivia S. Mitchell, John W. R. Phillips and Yong Yu

Retirement Options and Outcomes for Public Employees (UM15-09)
Leslie E. Papke

Retirement Savings in the US and England: How Important is Housing? (UM15-15)
Eric French, Mariacristina De Nardi, Richard Blundell, Gemma Tetlow, John Bailey Jones and Rowena Crawford

Retirement Savings Portfolio Management (UM06-20)
Jeff Dominitz and Angela Hung

Retirement Wealth Across Cohorts: The Role of Earnings Inequality and Pension Changes (UM08-18)
Ann Huff Stevens

Retirement, Saving, Benefit Claiming and Solvency Under A Partial System of Voluntary Personal Accounts (UM05-02)
Alan L. Gustman and Thomas L. Steinmeier

Rising Economic Risk and the Labor Supply of Older Workers (UM06-21)
Nicole Maestas

Risk Sharing Under Alternative Social Security Reform Proposals (UM99-Q1)
Olivia S. Mitchell, Stephen P. Zeldes and John Geanakoplos

Saving for Retirement: Implications of Household Bargaining for Social Security and Tax Reform (UM00-02)
Shelly Lundberg and Jennifer Ward-Batts

Saving for Retirement: Wage Growth and Unexpected Events (UM02-05)
Michael Hurd and Julie Zissimopoulos

Savings, Portfolio Choice, and Retirement (UM05-14)
Arthur van Soest and Arie Kapteyn

Secure Data Environment and Development of Remote Data Access Facilities (UM05-07)
Robert J. Willis and Michael Nolte

Secure Data Environment and Development of Remote Data Access Facilities (UM04-11)
Robert J. Willis

Self-Annuitization in Personal Accounts: Perspectives from the German Experience (UM04-12)
Olivia S. Mitchell and Raimond H. Maurer

Shocks and Transitions from Career Jobs to Bridge Jobs and Retirement: A New Approach (UM17-04)
Matthew D. Shapiro and Pamela Giustinelli

Social Insurance and Risks and Insurance Over the Life Cycle for Singles & Couples (UM17-01)
Fang Yang and Mariacristina De Nardi

Social Security Acceptance, Pension Acceptance, Retirement Dynamics and Wealth Accumulation (UM99-02)
Alan L. Gustman and Thomas L. Steinmeier

Social Security and Pensions in Veterans’ Wealth and Retirement (UM15-07)
Alan L. Gustman, Thomas L. Steinmeier and Nahid Tabatabai

Social Security and Retirement Behavior Within the Family: Economic Estimate of a Structural Model Using HRS Employer Provided Pension Data and Social Security Earnings Records (UM00-01)
Alan L. Gustman and Thomas L. Steinmeier

Social Security and Retirement Dynamics (UM05-05)
Alan L. Gustman and Thomas L. Steinmeier

Social Security Claiming, Life Insurance, and Long-Term Care Insurance: The Impact of Narrow Framing and Loss Aversion (UM15-05)
Olivia S. Mitchell and Daniel Gottlieb

Social Security Contributions and Return Migration Among Older Mexican Immigrants (UM15-17)
Emma Aguila and Alma Vega

Social Security Eligibility, Benefit Levels, and Replacement Rates in the HRS (UM05-01)
Olivia S. Mitchell, Sylvester J. Schieber and John W. R. Phillips

Social Security Literacy and Retirement Well-Being (UM09-11)
Hugo A. Benítez-Silva, Berna Demiralp and Zhen Liu

Sources of Lower Financial Decision-making Ability at Older Ages (UM15-06)
Daniel Silverman and Shachar Kariv

Spouse and Survivor Benefits: Use Rates with Earnings Related Marriage, Divorce and Assortative Mating (UM99-06)
Linda Waite and Lee Lillard

SSDI and Healthcare Reform: Evidence from Massachusetts (UM12-17)
Nicole Maestas, Kathleen Mullen and Alexander Strand

Stochastic Modeling of the Dynamics of OASDI (UM99-07)
Shripad Tuljapurkar and Ronald D. Lee

Stochastic Modeling of the Dynamics of OASDI: Characteristics of Cohort Experience, and Aspects of Risk (UM00-03)
Ronald D. Lee and Shripad Tuljapurkar

Stochastic Modeling of the Dynamics of OASDI: Evaluation of Policy Alternatives and Behavioral Responses (UM01-03)
Ronald D. Lee and Shripad Tuljapurkar

Stochastic Modeling of Trust Fund using Assumptions from 2002 OASDI Trustees Report (UM03-Q1)
Ronald D. Lee

Subjective Probability Distributions and the Decision to Save (UM02-04)
Robert J. Willis and Gábor Kézdi

Take-up of the Supplemental Security Income Program by the Low-Income Elderly: Interactions with the Social Security System (UM03-14)
Elizabeth Powers and Todd Elder

Tax Elasticity of Labor Earnings for Older Individuals (UM12-02)
David Powell and Abby Alpert

Technical Review Panel for the PIMS Model (UM13-Q2)
Olivia S. Mitchell

Technological Progress and the Earnings of Older Workers (UM12-01)
John P. Laitner, Dmitriy Stolyarov, Yuriy Gorodnichenko and Jae Song

Technological Progress and Worker Productivity at Different Ages (UM05-04)
John P. Laitner and Dmitriy Stolyarov

The Affordable Care Act as Retiree Health Insurance: Implications for Retirement and Social Security Claiming (UM16-02)
Alan L. Gustman, Thomas L. Steinmeier and Nahid Tabatabai

The Annuity Puzzle Revisited: Implications for Social Security Reform (UM02-01)
Hugo A. Benítez-Silva

The Assets and Liabilities of Cohorts: The Antecedents of Retirement Security (UM13-11)
John Karl Scholz, J. Michael Collins and Ananth Seshadri

The Comprehensive Wealth of Immigrants and Natives (UM15-16)
David Love and Lucie Schmidt

The Costs and Benefits of Medicaid in Old Age (UM12-12)
Mariacristina De Nardi, John Bailey Jones and Eric French

The Determinants of Household Savings for Couples During Retirement. (UM14-05)
Eric French, Mariacristina De Nardi, John Bailey Jones, Richard Blundell and Gemma Tetlow

The Dynamics of Work-Related Health and Labor Market Status: An International Comparison (UM06-22)
Arie Kapteyn, Arthur van Soest, James P. Smith and James Banks

The Economic Well-Being of Rejected Disability Applicants (UM12-16)
Susan Chen

The Effect of Abolishing the Earnings Test on Labor Market Behavior Before Age 65 (UM06-13)
Pierre-Carl Michaud and Arthur van Soest

The Effect of Disability and Disability Insurance on Spousal Labor Supply (UM10-05)
Susan Chen

The Effect of Health Reform on Retirement (UM15-12)
Helen Levy, Thomas C. Buchmueller and Sayeh Nikpay

The Effect of Medicare and Social Security Benefits on the Timing of Retirement (UM08-04)
Wojciech Kopczuk and Jae Song

The Effect of Out-of-Pocket Spending for Health Care on Economic Preparation for Retirement (UM10-18)
Michael Hurd and Susann Rohwedder

The Effect of Social Security Information on the Labor Supply of Older Americans (UM16-09)
Philip Armour and Michael Lovenheim

The Effect of the Affordable Care Act on the Labor Supply, Savings, and Social Security of Older Americans (UM15-11)
Eric French, Hans-Martin von Gaudecker and John Bailey Jones

The Effect of Wealth Shocks in the Great Recession on Time-use and Budget Shares. (UM14-06)
Michael Hurd and Susann Rohwedder

The Effects of Changes in Women’s Labor Market Attachment on Redistribution Under the Social Security Benefit Formula (UM11-06)
Alan L. Gustman, Thomas L. Steinmeier and Nahid Tabatabai

The Effects of Health Insurance and Self-Insurance on Retirement Behavior. (UM07-13)
John Bailey Jones and Eric French

The Effects of Health on the Labor Supply of Older Workers (UM16-16)
Richard Blundell, Eric French, Jack Britton and Monica Costa Dias

The Effects of Increases in the Normal Retirement Age when Age Discrimination Protections are Stronger: Evidence from the Hiring Side (UM12-07)
David Neumark

The Effects of Means-Tested Minimum Old-Age Benefits in Poverty Rates and Well-Being: Studying the 2008 Chilean Pension Reforms (UM16-18)
Italo Lopez Garcia and Andres Otero Correa

The Effects of the Economic Crisis on Retirement and Spending (UM10-06)
Susann Rohwedder and Michael Hurd

The Effects of the Financial Crisis on Actual and Anticipated Consumption (UM11-10)
Michael Hurd and Susann Rohwedder

The Efficiency of Pension Plan Investment Menus: Investment Choices in Defined Contribution Pensions (UM08-20)
Olivia S. Mitchell

The Financial Crisis and the Well-Being of Social Security Recipients (UM10-07)
Matthew D. Shapiro

The Great Recession, Workers with Disabilities and Implications for Retirement Security (UM12-21)
Purvi Sevak and Lucie Schmidt

The Growth and Geographical Variation of Nursing Home Self-pay Prices (UM17-14)
Richard Hirth, Sean Shenghsiu Huang and Jane Banaszak-Holl

The Impact of Fatness on Disability Insurance Application by the Non-Elderly (UM08-17)
Richard V. Burkhauser and John H. Cawley

The Impact of Financial Education On Savings And Asset Allocation (UM03-06)
Annamaria Lusardi

The Impact of Misperceptions about Social Security on Saving and Well-Being (UM05-10)
Susann Rohwedder and Arthur van Soest

The Impact of Social Security and Medicare on Retirement Incentives: Exploiting Variation in Coverage (UM01-09)
Steven J. Haider and Beth Asch

The Impact of Social Security Benefits on Household Life Cycle Asset Allocation and Asset Location (UM08-24)
Raimond H. Maurer

The Impact of the 1972 Social Security Increase on Household Consumption (UM04-05)
Mel Stephens Jr.

The Impact of the Financial Crisis on Asset Allocation, Annuity Demand, Work Effort, and Retirement Behavior over the Life Cycle (UM11-11)
Raimond H. Maurer and Olivia S. Mitchell

The Impact of Unemployment and Re-Employment on Household Consumption Measured at High Frequency over a Six-Year Period (UM16-13)
Michael Hurd and Susann Rohwedder

The Impact of Widowhood on the Economic Status of Women (UM99-05)
Robert J. Willis, David Weir and Purvi Sevak

The Implications of Differential Trends in Mortality for Social Security Policy (UM17-19)
Timothy A. Waidmann, Arline Geronimus, Javier Rodriguez and John Bound

The Influence of Lifetime Earning Variance on Retirement Wealth (UM01-C1)
Olivia S. Mitchell and John W. R. Phillips

The Influence of Public Policy on Health, Wealth and Mortality (UM11-12)
John Karl Scholz and Ananth Seshadri

The Insurance Role of Household Labor Supply around Retirement. (UM14-07)
Victoria Prowse

The Interaction Between Consumption and Health in Retirement (UM16-06)
John Karl Scholz and Ananth Seshadri

The Interplay of Wealth, Retirement Decisions, Policy and Economic Shocks (UM12-09)
John Karl Scholz and Ananth Seshadri

The Joint Decision Making of Married Couples and the Social Security Pension System (UM10-23)
Shinichi Nishiyama

The Labor Supply Effects of Disability Insurance Work Disincentives: Evidence from Administrative Data (UM10-01)
Nicole Maestas and Jae Song

The Level and Risk of Out-of-Pocket Health Care Spending (UM09-08)
Michael Hurd and Susann Rohwedder

The Optimal Design of Social Security (UM08-19)
Kent Smetters and Shinichi Nishiyama

The Reintroduction of the Social Security Statement and its Effect on Social Security Expectations, Retirement Savings, and Labor Supply Across the Age Distribution (UM17-05)
Philip Armour

The Retirement and Claiming of US Military Retirees (UM15-Q1)
David Knapp, Beth Asch, James Hosek and Michael Mattock

The Retirement Elasticity: Theory and Implications (UM02-10)
Matthew D. Shapiro and Miles S. Kimball

The Role of Conventional Retirement Age in Retirement Decisions (UM05-11)
Charles Brown

The Role of Disability Transfer Programs on the Economic Well-Being of Working-Age People with Disabilities (UM08-Q2)
Richard V. Burkhauser, Mary C. Daly and Philip R. de Jong

The Role of Fixed and Variable Annuities in Life-Cycle Asset Allocation (UM07-17)
Raimond H. Maurer

The Role of Health Insurance in Unretirement Decisions (UM05-S4)
Joshua Congdon-Hohman

The Role of Social Security Transfer Programs in Protecting Older People Transitioning into Retirement and Widowhood: A Cross-National Perspective (UM00-10)
Richard V. Burkhauser and J.S. Butler

The Role of Spousal Health Insurance Provision in Retirement Decisions (UM06-15)
Jody Schimmel Hyde

The Social Security Early Retirement Benefit as Safety Net (UM10-02)
John Bound and Timothy A. Waidmann

The Social Security Retirement Earnings Test, Retirement, Benefit Claiming, and the Effects of Abolishing the Earnings Test with and without Individual Accounts. (UM04-01)
Alan L. Gustman and Thomas L. Steinmeier

The Social Security Windfall Elimination and Government Pension Offset Provisions for Public Employees in the Health and Retirement Study (UM13-07)
Alan L. Gustman, Thomas L. Steinmeier and Nahid Tabatabai

Time Discounting and Economic Decisionmaking Among the Elderly (UM16-14)
Olivia S. Mitchell, David Huffman and Raimond H. Maurer

Time, Expenditure, and Retirement Decisions (UM08-06)
Mark Aguiar and Erik Hurst

Tracking the Income of Individuals Applying for Disability Insurance (UM99-03)
John Bound and Richard V. Burkhauser

Trading Behavior in 401(k) Plans (UM05-S2)
Takeshi Yamaguchi

Trading Behavior in Personal Accounts: Lessons from 401(k) Pension Participants (UM06-06)
Olivia S. Mitchell

Trading Off Delayed Social Security Benefits for a Lump-Sum: Impacts on Work and Retirement Behavior, Saving, and Well-Being (UM12-08)
Raimond H. Maurer

Trends in Longitudinal Statistics for Young Social Security Disability Awardees (UM12-19)
David Stapleton and Yonatan Ben-Shalom

Trends in the Labor Force Participation of Married Women (UM07-15)
Christopher House, John P. Laitner and Dmitriy Stolyarov

Uncovering the Relationship Between Real Interest Rates and Economic Growth (UM13-Q1)
Bruce Hansen and Ananth Seshadri

Understanding Earnings, Labor Supply and Retirement Decisions (UM17-03)
Ananth Seshadri, Christopher Taber and Xiaodong Fan

Understanding Global Aging (UM05-03)
Laurence J. Kotlikoff and Hans Fehr

Understanding Job and Retirement Transitions (UM17-08)
Kathleen Mullen, Nicole Maestas and David Powell

Understanding Participation in SSI. (UM14-08)
Robert F. Schoeni and Kathleen McGarry

Understanding Patterns of Social Security Benefit Receipt, Pensions Incomes, Retirement and Saving By Race, Ethnicity, Gender and Marital Status: A Structured Approach (UM03-13)
Alan L. Gustman and Thomas L. Steinmeier

Understanding Poverty Among Elderly Divorced Women (UM02-08)
Robert F. Schoeni and Steven J. Haider

Using a Structural Retirement Model to Simulate the Effect of Changes to the OASDI and Medicare Programs (UM04-06)
John Bound and Timothy A. Waidmann

Using New Measures of Fatness to Improve Estimates of Early Entry onto the OASI Rolls (UM06-23)
John H. Cawley and Richard V. Burkhauser

Using the 2008 CPS-ASEC-SSA Matched Data Set to Show Who Is and Is Not Captured in the Official BLS Six-Question Sequence on Disability (UM12-14)
Richard V. Burkhauser and Jennifer R. Tennant

Using the Health and Retirement Study to Simulate the Effects of Voluntary and Mandatory Systems of Social Security Privatization (UM02-02)
Alan L. Gustman and Thomas L. Steinmeier

Veteran Reintegration: Identifying the Long-Term Effects of Recessions on Earnings, Wealth, and Retirement Decisions (UM17-09)
Jennie Wenger and Italo Gutierrez

Vocational Rehabilitation Potential for Early Intervention (UM11-03)
Frank H. Martin and David Stapleton

Website Access to Stochastic Dynamic Model of OASDI (UM01-10)
Ronald D. Lee and Shripad Tuljapurkar

Welfare Measures in a Stochastic Production Economy with Overlapping Generations: An Application to Social Security Reform (UM03-12)
Kent Smetters

Welfare Reform and Immigrant Participation in the SSI Program (UM02-C1)
Michael J. Greenwood and Paul S. Davies

What Are the Real Application Costs of SSDI? The Effect of Waiting Time on Labor Force Participation and Earnings (UM11-01)
Kathleen Mullen, Nicole Maestas, David Autor and Alexander Strand

What Replacement Rates Should Households Use? (UM09-04)
John Karl Scholz and Ananth Seshadri

Who Annuitizes and How Do System Rules Shape These Choices? The Case of Chile (UM06-19)
Estelle James and Alejandra Cox Edwards

Work and retirement choices of men: the impact of social security rules in Chile (UM07-14)
Estelle James and Alejandra Cox Edwards

Work and Retirement Choices of Women: The Impact of Social Security Rules in Chile (UM08-23)
Alejandra Cox Edwards and Estelle James

Work Disability and Labor Force Status in Europe and the US (UM09-15)
Arie Kapteyn, James P. Smith and Arthur van Soest

Working at Older Ages: the Roles of Work Environment and Psychological Factors. (UM13-Q5)
Marco Angrisani, Michael Hurd, Erik Meijer and Andrew Parker

Working Conditions and Sustainable Work at Older Ages: An International Perspective (UM16-17)
Jeffrey B. Wenger, Kathleen Mullen and Nicole Maestas

Working Conditions over the Life Course (UM15-03)
Kathleen Mullen, Nicole Maestas and Jeffrey B. Wenger

Work-Life Balance and Labor Force Attachment at Older Ages (UM17-11)
Marco Angrisani, Maria Casanova and Erik Meijer