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Working Papers

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2017

Caregiving and Work: The Relationship between Labor Market Attachment and Parental Caregiving
WP 2017-356, UM16-07
Sean Fahle and Kathleen McGarry
Download: Full Paper PDF View: Abstract | Published Citation

2016

Productivity Growth and Interest Rate Trends: A Long-Run Analysis
WP 2016-357, UM16-Q2
Dmitriy Stolyarov
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

Long-term Individual and Population Consequences of Early-life Access to Health Insurance
WP 2016-355, UM16-Q1
Etienne Gaudette, Gwyn Pauley and Julie Zissimopoulos
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

The Effect of the Affordable Care Act on the Labor Supply, Savings, and Social Security of Older Americans
WP 2016-354, UM15-11
Eric French, Hans-Martin von Gaudecker and John Bailey Jones
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

Consumption Smoothing During the Financial Crisis: The Effect of Unemployment on Household Spending
WP 2016-353, UM16-13
Michael Hurd and Susann Rohwedder
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

Occupational Transitions at Older Ages: What Moves are People Making?
WP 2016-352, UM16-03
Amanda Sonnega, Brooke Helppie McFall and Robert J. Willis
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

How Home Equity Extraction and Reverse Mortgages Affect the Credit Outcomes of Senior Households
WP 2016-351, UM16-12
Stephanie Moulton, Donald Haurin, Samuel Dodini and Maximilian D. Schmeiser
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

Cohort Changes in Social Security Benefits and Pension Wealth
WP 2016-350, UM16-11
Chichun Fang, Charles Brown and David Weir
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

Do State Laws Protecting Older Workers from Discrimination Laws Reduce Age Discrimination in Hiring? Experimental (and Nonexperimental) Evidence
WP 2016-349, UM16-04
David Neumark, Ian Burn, Patrick Button and Nanneh Chehras
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

The Dynamic Effects of Health on the Employment of Older Workers
WP 2016-348, UM16-16
Richard Blundell, Jack Britton, Monica Costa Dias and Eric French
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

Time Discounting and Economic Decision-making among the Elderly
WP 2016-347, UM16-14
David Huffman, Raimond H. Maurer and Olivia S. Mitchell
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

Older People's Willingness to Delay Social Security Claiming
WP 2016-346, UM16-05
Raimond H. Maurer and Olivia S. Mitchell
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

Health Reform and Health Insurance Coverage of Early Retirees
WP 2016-345, UM16-15
Helen Levy, Thomas C. Buchmueller and Sayeh Nikpay
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

The Interaction between Consumption and Health in Retirement
WP 2016-344, UM16-06
John Karl Scholz and Ananth Seshadri
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

The Affordable Care Act as Retiree Health Insurance: Implications for Retirement and Social Security Claiming
WP 2016-343, UM16-02
Alan L. Gustman, Thomas L. Steinmeier and Nahid Tabatabai
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

A Note on Resource Testing and Temptation
WP 2016-340, UM15-14
Cagri Kumru, John Piggott and Athanasios C. Thanopoulos
Download: Full Paper PDF View: Abstract | Published Citation

How Well Does the Australian Aged Pension Provide Social Insurance?
WP 2016-339, UM15-14
Emily Dabbs and Cagri Kumru
Download: Full Paper PDF View: Abstract | Published Citation

Means Testing of Public Pensions: The Case of Australia
WP 2016-338, UM15-14
George Kudrna
Download: Full Paper PDF View: Abstract | Published Citation

Means Testing Social Security: Modeling and Policy Analysis
WP 2016-337, UM15-14
Rafal Chomik, John Piggott, Alan D. Woodland, George Kudrna and Cagri Kumru
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

The Retirement and Social Security Benefit Claiming of U.S. Military Retirees
WP 2016-336, UM15-Q1
David Knapp, Beth Asch, James Hosek and Michael Mattock
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

2015

Sources of Lower Financial Decision-making Ability at Older Ages
WP 2015-335, UM15-06
Shachar Kariv and Daniel Silverman
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

Racial Difference in the Use of VA Health Services
WP 2015-334, UM15-Q2
Chichun Fang, Kenneth M. Langa, Helen Levy and David Weir
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

Comparing Retirement Wealth Trajectories on Both Sides of the Pond
WP 2015-333, UM15-15
Richard Blundell, Rowena Crawford, Eric French and Gemma Tetlow
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

Measuring Economic Preparation for Retirement: Income Versus Consumption
WP 2015-332, UM15-10
Michael Hurd and Susann Rohwedder
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

Occupations and Work Characteristics: Effects on Retirement Expectations and Timing
WP 2015-331, UM15-01
Brooke Helppie McFall, Amanda Sonnega, Robert J. Willis and Peter Hudomiet
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

Medicare Expenditures, Social Security Reform, and the Labor Force Participation of Older Americans
WP 2015-330, UM15-13
Yuanyuan Deng and Hugo A. Benítez-Silva
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

The Effect of Health Reform on Retirement
WP 2015-329, UM15-12
Helen Levy, Thomas C. Buchmueller and Sayeh Nikpay
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

Comprehensive Wealth of Immigrants and Natives
WP 2015-328, UM15-16
David Love and Lucie Schmidt
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

Do Payroll Taxes in the United States Create Bunching at Kink Points?
WP 2015-327, UM15-04
David Powell
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

Nonmonetary Job Characteristics and Employment Transitions at Older Ages
WP 2015-326, UM15-02
Marco Angrisani, Arie Kapteyn and Erik Meijer
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

Does Eliminating the Earnings Test Increase the Incidence of Low Income among Older Women?
WP 2015-325, UM15-08
Theodore F. Figinski and David Neumark
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

Social Security Contributions and Return Migration among Older Male Mexican Immigrants
WP 2015-324, UM15-17
Emma Aguila and Alma Vega
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

Declining Wealth and Work among Male Veterans in the Health and Retirement Study
WP 2015-323, UM15-07
Alan L. Gustman, Thomas L. Steinmeier and Nahid Tabatabai
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

Couples' and Singles’ Savings After Retirement
WP 2015-322, UM14-05
Mariacristina De Nardi, Eric French and John Bailey Jones
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

Narrow Framing and Long-Term Care Insurance
WP 2015-321, UM15-05
Daniel Gottlieb and Olivia S. Mitchell
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

Liquidity Constraints, the Extended Family, and Consumption
WP 2015-320, UM14-04
HwaJung Choi, Kathleen McGarry and Robert F. Schoeni
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

Understanding Participation in SSI
WP 2015-319, UM14-08
Kathleen McGarry and Robert F. Schoeni
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

Does Protecting Older Workers from Discrimination Make It Harder to Get Hired? Revised with Additional Analysis of SIPP Data and Appendix of Disability Laws
WP 2015-315, UM12-07
David Neumark, Joanne Song McLaughlin and Patrick Button
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

2014

Economic Conditions and SSI Applications
WP 2014-318, UM12-20
Austin Nichols, Lucie Schmidt and Purvi Sevak
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

Labor Market Shocks and Early Social Security Benefit Claiming
WP 2014-317, UM11-14
David Card, Nicole Maestas and Patrick Purcell
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

Representativeness of the Low-Income Population in the Health and Retirement Study with Supplementary Analyses for 1991 and 1997
WP 2014-316, UM11-16
Erik Meijer and Lynn Karoly
Download: Full Paper PDF View: Abstract | Published Citation

The Implications of Differential Trends in Mortality for Social Security Policy
WP 2014-314, UM14-11
John Bound, Arline Geronimus, Javier Rodriguez and Timothy A. Waidmann
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

Responses of Time-use to Shocks in Wealth during the Great Recession
WP 2014-313, UM14-06
Jim Been, Michael Hurd and Susann Rohwedder
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

Long-Run Determinants of Intergenerational Transfers
WP 2014-312, UM14-03
John Karl Scholz, Ananth Seshadri and Kamil Sicinski
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

Does Protecting Older Workers from Discrimination Make It Harder to Get Hired?
WP 2014-311, UM12-07
David Neumark, Joanne Song McLaughlin and Patrick Button
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

Does Retirement Make you Happy? A Simultaneous Equations Approach
WP 2014-310, UM14-09
Raquel Fonseca, Arie Kapteyn, Jinkook Lee and Gema Zamarro
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

The Insurance Role of Household Labor Supply for Older Workers
WP 2014-309, UM14-07
Yanan Li and Victoria Prowse
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

Will They Take the Money and Work? An Empirical Analysis of People’s Willingness to Delay Claiming Social Security Benefits for a Lump Sum
WP 2014-308, UM14-02
Raimond H. Maurer, Olivia S. Mitchell, Ralph Rogalla and Tatjana Schimetschek
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

Have We Finally Achieved Actuarial Fairness of Social Security Retirement Benefits and Will It Last?
WP 2014-307, UM13-02
Frank Heiland and Na Yin
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

Distributional Effects of Means Testing Social Security: An Exploratory Analysis
WP 2014-306, UM14-01
Alan L. Gustman, Thomas L. Steinmeier and Nahid Tabatabai
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

Rejection from the Disability Insurance Program and Dependency on Social Support
WP 2014-305, UM12-16
Susan Chen
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

Is the 2010 Affordable Care Act Minimum Standard to Identify Disability in All National Datasets Good Enough for Policy Purposes?
WP 2014-267, UM12-14
Richard V. Burkhauser, T. Lynn Fisher, Andrew J. Houtenville and Jennifer R. Tennant
Download: Full Paper PDF View: Abstract | Key Findings

2013

Previous Migration Experience and Legal Immigration Status among Intending Mexican Migrants to the United States
WP 2014-304, UM13-15
Peter B. Brownell and Michael S. Rendall
Download: Full Paper PDF View: Abstract | Key Findings

Uncovering the Relationship between Real Interest Rates and Economic Growth
WP 2013-303, UM13-Q1
Bruce Hansen and Ananth Seshadri
Download: Full Paper PDF View: Abstract | Key Findings

What Do Data on Millions of U.S. Workers Say About Life Cycle Income Risk?
WP 2013-302, UM13-08
Fatih Guvenen, Fatih Karahan, Serdar Ozkan and Jae Song
Download: Full Paper PDF View: Abstract | Key Findings

Does Retirement Induced through Social Security Pension Eligibility Influence Subjective Well-being? A Cross-Country Comparison
WP 2013-301, UM13-14
Arie Kapteyn, Jinkook Lee and Gema Zamarro
Download: Full Paper PDF View: Abstract | Key Findings

Expectations and Household Spending
WP 2013-300, UM13-05
Michael Hurd and Susann Rohwedder
Download: Full Paper PDF View: Abstract | Key Findings

Evaluating Web-based Savings Interventions: A Preliminary Assessment
WP 2013-299, UM13-10
Wei-Yin Hu, Olivia S. Mitchell, Cynthia Pagliaro and Stephen P. Utkus
Download: Full Paper PDF View: Abstract | Key Findings

Cognitive Ability, Expectations, and Beliefs about the Future: Psychological Influences on Retirement Decisions
WP 2013-298, UM13-Q4
Andrew Parker, Leandro Carvalho and Susann Rohwedder
Download: Full Paper PDF View: Abstract | Key Findings

Social Security Benefit Claiming and Medicare Utilization
WP 2013-297, UM13-13
John Bound, Helen Levy and Lauren Nicholas
Download: Full Paper PDF View: Abstract | Key Findings

The Assets and Liabilities of Cohorts: The Antecedents of Retirement Security
WP 2013-296, UM13-11
J. Michael Collins, John Karl Scholz and Ananth Seshadri
Download: Full Paper PDF View: Abstract | Key Findings

Labor Force Transitions at Older Ages: The Roles of Work Environment and Personality
WP 2013-295, UM13-Q5
Marco Angrisani, Michael Hurd, Erik Meijer, Andrew Parker and Susann Rohwedder
Download: Full Paper PDF View: Abstract | Key Findings

Costs and Benefits of In-Kind Transfers: The Case of Medicaid Home Care Benefits
WP 2013-294, UM13-03
Ethan Lieber and Lee Lockwood
Download: Full Paper PDF View: Abstract | Key Findings

How Family Status and Social Security Claiming Options Shape Optimal Life Cycle Portfolios
WP 2013-293, UM13-12
Andreas Hubener, Raimond H. Maurer and Olivia S. Mitchell
Download: Full Paper PDF View: Abstract | Key Findings

Health Insurance and Retirement Decisions
WP 2013-292, UM13-01
John Karl Scholz and Ananth Seshadri
Download: Full Paper PDF View: Abstract | Key Findings

Older Adult Debt and Financial Frailty
WP 2013-291, UM13-09
Annamaria Lusardi and Olivia S. Mitchell
Download: Full Paper PDF View: Abstract | Key Findings

Technical Review Panel for the Pension Insurance Modeling System (PIMS)
WP 2013-290, UM13-Q2
Olivia S. Mitchell, Christopher C. Geczy, Robert Novy-Marx, Raimond H. Maurer, Donald E. Fuerst, Christopher M. Bone, Donald J. Segal, Martin G. Clarke, Frank J. Fabozzi, Deborah Lucas and David F. Babbel
Download: Full Paper PDF View: Abstract | Key Findings

Disability Insurance and Healthcare Reform: Evidence from Massachusetts
WP 2013-289, UM12-17
Nicole Maestas, Kathleen Mullen and Alexander Strand
Download: Full Paper PDF View: Abstract | Key Findings

The Social Security Windfall Elimination and Government Pension Offset Provisions for Public Employees in the Health and Retirement Study
WP 2013-288, UM13-07
Alan L. Gustman, Thomas L. Steinmeier and Nahid Tabatabai
Download: Full Paper PDF View: Abstract | Key Findings

Did Age Discrimination Protections Help Older Workers Weather the Great Recession?
WP 2013-287, UM13-04
David Neumark and Patrick Button
Download: Full Paper PDF View: Abstract | Key Findings

Optimal Life Cycle Portfolio Choice with Variable Annuities Offering Liquidity and Investment Downside Protection
WP 2013-286, UM13-Q3
Vanya Horneff, Raimond H. Maurer, Olivia S. Mitchell and Ralph Rogalla
Download: Full Paper PDF View: Abstract | Key Findings

Employment Trends by Age in the United States: Why Are Older Workers Different?
WP 2013-285, UM12-03
Sudipto Banerjee and David Blau
Download: Full Paper PDF View: Abstract | Key Findings

Trends in the Composition and Outcomes of Young Social Security Disability Awardees
WP 2013-284, UM12-19
Yonatan Ben-Shalom and David Stapleton
Download: Full Paper PDF View: Abstract | Key Findings

Estimates of the Potential Insurance Value of Disability Insurance for Individuals with Mental Health Impairments
WP 2013-283, UM12-15
John Bound, Kyle J. Caswell and Timothy A. Waidmann
Download: Full Paper PDF View: Abstract | Key Findings

Macroeconomic Determinants of Retirement Timing
WP 2013-281, UM13-06
Yuriy Gorodnichenko, Jae Song and Dmitriy Stolyarov
Download: Full Paper PDF View: Abstract | Key Findings

Technological Progress and the Earnings of Older Workers
WP 2013-280, UM12-01
Yuriy Gorodnichenko, John P. Laitner, Jae Song and Dmitriy Stolyarov
Download: Full Paper PDF View: Abstract | Key Findings

Representativeness of the Low-Income Population in the Health and Retirement Study
WP 2013-273, UM11-16
Erik Meijer and Lynn Karoly
Download: Full Paper PDF View: Abstract | Key Findings

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
WP 2012-268, UM12-10
Alan L. Gustman, Thomas L. Steinmeier and Nahid Tabatabai
Download: Full Paper PDF View: Abstract | Key Findings

2012

At the Corner of Main and Wall Street: Family Pension Responses to Liquidity Change and Perceived Returns
WP 2012-282, UM11-Q2
Thomas Bridges and Frank Stafford
Download: Full Paper PDF View: Abstract | Key Findings

Personality Traits and Economic Preparation for Retirement
WP 2012-279, UM12-11
Michael Hurd, Angela Lee Duckworth, Susann Rohwedder and David Weir
Download: Full Paper PDF View: Abstract | Key Findings

Medicaid Insurance in Old Age
WP 2012-278, UM12-12
Mariacristina De Nardi, Eric French and John Bailey Jones
Download: Full Paper PDF View: Abstract | Key Findings

The Great Recession, Older Workers with Disabilities, and Implications for Retirement Security
WP 2012-277, UM12-21
Onur Altindag, Lucie Schmidt and Purvi Sevak
Download: Full Paper PDF View: Abstract | Key Findings

Diminishing Margins: Housing Market Declines and Family Financial Responses
WP 2012-276, UM11-Q2
Frank Stafford, Erik Hurst and Bing Chen
Download: Full Paper PDF View: Abstract | Key Findings

Motives for Bequests within the Middle Class
WP 2012-275, UM12-05
John P. Laitner and Amanda Sonnega
Download: Full Paper PDF View: Abstract | Key Findings

Investment Decisions in Retirement: The Role of Subjective Expectations
WP 2012-274, UM12-13
Marco Angrisani, Michael Hurd and Erik Meijer
Download: Full Paper PDF View: Abstract | Key Findings

Tax Elasticity of Labor Earnings for Older Individuals
WP 2012-272, UM12-02
Abby Alpert and David Powell
Download: Full Paper PDF View: Abstract | Key Findings

The Interplay of Wealth, Retirement Decisions, Policy and Economic Shocks
WP 2012-271, UM12-09
John Karl Scholz and Ananth Seshadri
Download: Full Paper PDF View: Abstract | Key Findings

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)
WP 2012-270, UM12-22
Olivia S. Mitchell and John W. R. Phillips
Download: Full Paper PDF View: Abstract

Vocational Rehabilitation on the Road to Social Security Disability: Longitudinal Statistics from Matched Administrative Data
WP 2012-269, UM11-03
David Stapleton and Frank H. Martin
Download: Full Paper PDF View: Abstract | Key Findings

Exchanging Delayed Social Security Benefits for Lump Sums: Could This Incentivize Longer Work Careers?
WP 2012-266, UM12-08
Jing Jing Chai, Raimond H. Maurer, Olivia S. Mitchell and Ralph Rogalla
Download: Full Paper PDF View: Abstract | Key Findings

Barriers to Later Retirement: Increases in the Full Retirement Age, Age Discrimination, and the Physical Challenges of Work
WP 2012-265, UM12-07
David Neumark and Joanne Song McLaughlin
Download: Full Paper PDF View: Abstract | Key Findings

Communication with Individuals with Intellectual Disabilities and Psychiatric Disabilities: A Summary of the Literature
WP 2012-264, UM12-Q1
Walton O. Schalick III
Download: Full Paper PDF View: Abstract | Key Findings

Behavioral Effects of Social Security Policies on Benefit Claiming, Retirement and Saving
WP 2012-263, UM12-04
Alan L. Gustman and Thomas L. Steinmeier
Download: Full Paper PDF View: Abstract | Key Findings

Induced Entry into the Social Security Disability Program: Using Past SGA Changes as a Natural Experiment
WP 2012-262, UM11-Q1
Nicole Maestas, Kathleen Mullen and Gema Zamarro
Download: Full Paper PDF View: Abstract | Key Findings

Spousal Labor Supply Responses to Government Programs: Evidence from the Disability Insurance Program
WP 2012-261, UM10-05
Susan Chen
Download: Full Paper PDF View: Abstract | Key Findings

Does Disability Insurance Receipt Discourage Work? Using Examiner Assignment to Estimate Causal Effects of SSDI Receipt
WP 2010-241, UM10-04
Nicole Maestas, Kathleen Mullen and Alexander Strand
Download: Full Paper PDF View: Abstract | Key Findings

2011

Personality and Response to the Financial Crisis
WP 2011-260, UM11-09
Angela Lee Duckworth and David Weir
Download: Full Paper PDF View: Abstract | Key Findings

Macroeconomic Conditions and Updating of Expectations by Older Americans
WP 2011-259, UM11-13
Purvi Sevak and Lucie Schmidt
Download: Full Paper PDF View: Abstract | Key Findings

Does Delay Cause Decay? The Effect of Administrative Decision Time on the Labor Force Participation and Earnings of Disability Applicants
WP 2011-258, UM11-01
David Autor, Nicole Maestas, Kathleen Mullen and Alexander Strand
Download: Full Paper PDF View: Abstract | Key Findings

Earnings Growth versus Measures of Income and Education for Predicting Mortality
WP 2011-257, UM10-24
Harriet Duleep and David A. Jaeger
Download: Full Paper PDF View: Abstract | Key Findings

Health Insurance, Health Care and Labor Supply by Older Adults
WP 2011-256, UM11-04
Lauren Nicholas
Download: Full Paper PDF View: Abstract | Key Findings

The Effects of the Financial Crisis on Actual and Anticipated Consumption
WP 2011-255, UM11-10
Michael Hurd and Susann Rohwedder
Download: Full Paper PDF View: Abstract | Key Findings

Consumption and Differential Mortality
WP 2011-254, UM11-17
Michael Hurd and Susann Rohwedder
Download: Full Paper PDF View: Abstract | Key Findings

How Did the Recession of 2007-2009 Affect the Wealth and Retirement of the Near Retirement Age Population in the Health and Retirement Study?
WP 2011-253, UM11-08
Alan L. Gustman, Thomas L. Steinmeier and Nahid Tabatabai
Download: Full Paper PDF View: Abstract | Key Findings

The Influence of Public Policy on Health, Wealth and Mortality
WP 2011-252, UM11-12
John Karl Scholz and Ananth Seshadri
Download: Full Paper PDF View: Abstract | Key Findings

The Importance of State Anti-Discrimination Laws on Employer Accommodation and the Movement of their Employees onto Social Security Disability Insurance
WP 2011-251, UM11-02
Richard V. Burkhauser, Lauren Nicholas and Maximilian D. Schmeiser
Download: Full Paper PDF View: Abstract | Key Findings

Effects of Legal and Unauthorized Immigration on the U.S. Social Security System
WP 2011-250, UM11-07
Hugo A. Benítez-Silva, Eva Carceles-Poveda and Selcuk Eren
Download: Full Paper PDF View: Abstract | Key Findings

Do Stronger Age Discrimination Laws Make Social Security Reforms More Effective?
WP 2011-249, UM11-15
David Neumark and Joanne Song McLaughlin
Download: Full Paper PDF View: Abstract | Key Findings

The Effects of Changes in Women’s Labor Market Attachment on Redistribution Under the Social Security Benefit Formula
WP 2011-248, UM11-06
Alan L. Gustman, Thomas L. Steinmeier and Nahid Tabatabai
Download: Full Paper PDF View: Abstract | Key Findings

Lifecycle Impacts of the Financial and Economic Crisis on Household Optimal Consumption, Portfolio Choice, and Labor Supply
WP 2011-246, UM11-11
Jing Jing Chai, Raimond H. Maurer, Olivia S. Mitchell and Ralph Rogalla
Download: Full Paper PDF View: Abstract | Key Findings

First-Round Impacts of the 2008 Chilean Pension System Reform
WP 2011-245, UM11-05
Jere Behrman, Maria Cecilia Calderon, Olivia S. Mitchell, Javiera Vasquez and David Bravo
Download: Full Paper PDF View: Abstract | Key Findings

The Labor Supply Effects of Disability Insurance: Evidence from Automatic Conversion Using Administrative Data
WP 2010-247, UM10-01
Nicole Maestas and Jae Song
Download: Full Paper PDF View: Abstract | Key Findings

2010

Protecting the Household Incomes of Older Workers with Significant Health-Related Work Limitations in an Era of Fiscal Responsibility
WP 2010-244, UM10-03
Jody Schimmel Hyde and David Stapleton
Download: Full Paper PDF View: Abstract | Key Findings

Framing Social Security Reform: Behavioral Responses to Changes in the Full Retirement Age
WP 2010-243, UM10-SP
Luc Behaghel and David Blau
Download: Full Paper PDF View: Abstract | Key Findings

Post-Retirement Adjustments in Defined Benefit Pensions
WP 2010-242, UM10-17
Charles Brown
Download: Full Paper PDF View: Abstract | Key Findings

The Social Security Early Retirement Benefit as Safety Net
WP 2010-240, UM10-02
John Bound and Timothy A. Waidmann
Download: Full Paper PDF View: Abstract | Key Findings

Reconciling Findings on the Employment Effect of Disability Insurance
WP 2010-239, UM09-01
John Bound and Timothy A. Waidmann
Download: Full Paper PDF View: Abstract | Key Findings

Intergenerational Transfers in the Health and Retirement Study Data
WP 2010-238, UM10-14
John P. Laitner and Amanda Sonnega
Download: Full Paper PDF View: Abstract | Key Findings

Occupational Learning, Financial Knowledge, and the Accumulation of Retirement Wealth
WP 2010-237, UM10-08
Brooke Helppie McFall, Kandice Kapinos and Robert J. Willis
Download: Full Paper PDF View: Abstract | Key Findings

The Effects of Medicaid and Medicare Reforms on the Elderly’s Savings and Medical Expenditures
WP 2010-236, UM10-16
Mariacristina De Nardi, Eric French and John Bailey Jones
Download: Full Paper PDF View: Abstract | Key Findings

Personality, Lifetime Earnings, and Retirement Wealth
WP 2010-235, UM10-13
Angela Lee Duckworth and David Weir
Download: Full Paper PDF View: Abstract | Key Findings

Geographic Dispersion and the Well-being of the Elderly
WP 2010-234, UM10-15
Suzanne M. Bianchi, Kathleen McGarry and Judith A. Seltzer
Download: Full Paper PDF View: Abstract | Key Findings

How Financial Literacy and Impatience Shape Retirement Wealth and Investment Behaviors
WP 2010-233, UM10-11
Justine Hastings and Olivia S. Mitchell
Download: Full Paper PDF View: Abstract | Key Findings

The Effect of the Risk of Out-of-Pocket Spending for Health Care on Economic Preparation for Retirement
WP 2010-232, UM10-18
Michael Hurd and Susann Rohwedder
Download: Full Paper PDF View: Abstract | Key Findings

The Effects of the Economic Crisis on the Older Population
WP 2010-231, UM10-06
Michael Hurd and Susann Rohwedder
Download: Full Paper PDF View: Abstract | Key Findings

Cognitive Ability and Retiree Health Care Expenditure
WP 2010-230, UM10-20
Hanming Fang, Lauren Nicholas and Daniel Silverman
Download: Full Paper PDF View: Abstract | Key Findings

The Joint Labor Supply Decision of Married Couples and the Social Security Pension System
WP 2010-229, UM10-23
Shinichi Nishiyama
Download: Full Paper PDF View: Abstract | Key Findings

The Effects of the Financial Crisis on the Well-Being of Older Americans: Evidence from the Cognitive Economics Study
WP 2010-228, UM10-07
Matthew D. Shapiro
Download: Full Paper PDF View: Abstract | Key Findings

The Growth in Social Security Benefits Among the Retirement Age Population from Increases in the Cap on Covered Earnings
WP 2010-227, UM10-21
Alan L. Gustman, Thomas L. Steinmeier and Nahid Tabatabai
Download: Full Paper PDF View: Abstract | Key Findings

Financial Capability in the United States: Consumer Decision-Making and the Role of Social Security
WP 2010-226, UM10-22
Annamaria Lusardi
Download: Full Paper PDF View: Abstract | Key Findings

Mortgage Contract Decisions and Mortgage Distress: Family and Financial Life-Cycle Factors
WP 2010-225, UM10-09
Frank Stafford and Elena Gouskova
Download: Full Paper PDF View: Abstract | Key Findings

Health and Wealth in a Life-Cycle Model
WP 2010-224, UM10-19
John Karl Scholz and Ananth Seshadri
Download: Full Paper PDF View: Abstract | Key Findings

Financial Knowledge and Financial Literacy at the Household Level
WP 2010-223, UM10-12
Alan L. Gustman, Thomas L. Steinmeier and Nahid Tabatabai
Download: Full Paper PDF View: Abstract | Key Findings

Borrowing from Yourself: The Determinants of 401(k) Loan Patterns
WP 2010-221, UM10-10
Timothy Jun Lu and Olivia S. Mitchell
Download: Full Paper PDF View: Abstract | Key Findings

How Common is "Parking" Among Social Security Disability Insurance (SSDI) Beneficiaries? Evidence from the 1999 Change in the Level of Substantial Gainful Activity (SGA)
WP 2009-220, UM09-02
Jody Schimmel Hyde, David Stapleton and Jae Song
Download: Full Paper PDF View: Abstract | Key Findings

Participation and Contributions in Tax-deferred Retirement Accounts: Evidence from Social Security Records
WP 2009-219, UM09-13
Marjorie Honig and Irena Dushi
Download: Full Paper PDF View: Abstract | Key Findings

2009

Mortality Contingent Claims: Impact of Capital Market, Income, and Interest Rate Risk
WP 2009-222, UM09-12
Wolfram J. Horneff and Raimond H. Maurer
Download: Full Paper PDF View: Abstract | Key Findings

The Level and Risk of Out-of-Pocket Health Care Spending
WP 2009-218, UM09-08
Michael Hurd and Susann Rohwedder
Download: Full Paper PDF View: Abstract | Key Findings

Marking Social Security's Open Group Liability to Market
WP 2009-217, UM09-03
Paul Anton Koehler and Laurence J. Kotlikoff
Download: Full Paper PDF View: Abstract | Key Findings

Financial Literacy and Financial Sophistication in the Older Population: Evidence from the 2008 HRS
WP 2009-216, UM09-10
Annamaria Lusardi, Olivia S. Mitchell and Vilsa Curto
Download: Full Paper PDF View: Abstract | Key Findings

Proximity and Coresidence of Adult Children and their Parents: Description and Correlates
WP 2009-215, UM09-18
Janice Compton and Robert A. Pollak
Download: Full Paper PDF View: Abstract | Key Findings

What Replacement Rates Should Households Use?
WP 2009-214, UM09-04
John Karl Scholz and Ananth Seshadri
Download: Full Paper PDF View: Abstract | Key Findings

Gain and Loss: Marriage and Wealth Changes Over Time
WP 2009-213, UM09-19
Julie Zissimopoulos
Download: Full Paper PDF View: Abstract | Key Findings

The Displacement Effect of Public Pensions on the Accumulation of Financial Assets
WP 2009-212, UM09-16
Michael Hurd, Pierre-Carl Michaud and Susann Rohwedder
Download: Full Paper PDF View: Abstract | Key Findings

Buffering Shocks to Well-Being Late in Life
WP 2009-211, UM09-05
Matthew D. Shapiro
Download: Full Paper PDF View: Abstract | Key Findings

Social Security Literacy and Retirement Well-Being
WP 2009-210, UM09-11
Hugo A. Benítez-Silva, Berna Demiralp and Zhen Liu
Download: Full Paper PDF View: Abstract | Key Findings

Investor Behavior and Fund Performance under a Privatized Retirement Accounts System: Evidence from Chile
WP 2009-209, UM09-17
Elena Krasnokutskaya and Petra Todd
Download: Full Paper PDF View: Abstract | Key Findings

Income, Material Hardship, and the Use of Public Programs among the Elderly
WP 2009-208, UM09-14
Helen Levy
Download: Full Paper PDF View: Abstract | Key Findings

Work Disability, Work, and Justification Bias in Europe and the U.S.
WP 2009-207, UM09-15
Arie Kapteyn, James P. Smith and Arthur van Soest
Download: Full Paper PDF View: Abstract | Key Findings

How Do Pension Changes Affect Retirement Preparedness? The Trend to Defined Contribution Plans and the Vulnerability of the Retirement Age Population to the Stock Market Decline of 2008-2009
WP 2009-206, UM09-09
Alan L. Gustman, Thomas L. Steinmeier and Nahid Tabatabai
Download: Full Paper PDF View: Abstract | Key Findings

Retirement in a Life Cycle Model of Labor Supply with Home Production
WP 2009-205, UM09-06
Richard Rogerson and Johanna Wallenius
Download: Full Paper PDF View: Abstract | Key Findings

Extending Life Cycle Models of Optimal Portfolio Choice: Integrating Flexible Work, Endogenous Retirement, and Investment Decisions with Lifetime Payouts
WP 2009-204, UM09-12
Jing Jing Chai, Wolfram J. Horneff, Raimond H. Maurer and Olivia S. Mitchell
Download: Full Paper PDF View: Abstract | Key Findings

The Efficiency of Pension Menus and Individual Portfolio Choice in 401(k) Pensions
WP 2009-203, UM09-07
Ning Tang, Olivia S. Mitchell, Gary R. Mottola and Stephen P. Utkus
Download: Full Paper PDF View: Abstract | Key Findings

Social Security Rules and Labor Force Participation of Older Workers: Evidence from Chile
WP 2008-202, UM08-23
Alejandra Cox Edwards and Estelle James
Download: Full Paper PDF View: Abstract | Key Findings

How Much Do Respondents in the Health and Retirement Study Know About Their Tax-deferred Contribution Plans? A Crosscohort Comparison
WP 2008-201, UM08-05
Irena Dushi and Marjorie Honig
Download: Full Paper PDF View: Abstract | Key Findings

Financial Literacy among the Young
WP 2008-191, UM08-12
Annamaria Lusardi, Olivia S. Mitchell and Vilsa Curto
Download: Full Paper PDF View: Abstract | Key Findings

2008

Stylized Facts and Incentive Effects Related to Claiming of Retirement Benefits Based on Social Security Administration Data
WP 2008-200, UM08-04
Wojciech Kopczuk and Jae Song
Download: Full Paper PDF View: Abstract

Saving among Low-Income Women: Motivation and Obstacles
WP 2008-199, UM08-Q3
Helen Levy and Kristin S. Seefeldt
Download: Full Paper PDF View: Abstract | Key Findings

Does the Rise in the Full Retirement Age Encourage Disability Benefits Applications? Evidence from the Health and Retirement Study
WP 2008-198, UM08-21
Xiaoyan Li and Nicole Maestas
Download: Full Paper PDF View: Abstract

The Optimal Design of Social Security Benefits
WP 2008-197, UM08-19
Shinichi Nishiyama and Kent Smetters
Download: Full Paper PDF View: Abstract | Key Findings

Pension Reform in Mexico: The Evolution of Pension Fund Management Fees and their Effect on Pension Balances
WP 2008-196, UM08-16
Emma Aguila, Michael Hurd and Susann Rohwedder
Download: Full Paper PDF View: Abstract | Key Findings

How Do Lower-Income Families Think about Retirement?
WP 2008-195, UM08-15
Helen Levy and Kristin S. Seefeldt
Download: Full Paper PDF View: Abstract | Key Findings

The Labor Supply Effects of Disability Insurance Work Disincentives: Evidence from the Automatic Conversion to Retirement Benefits at Full Retirement Age
WP 2008-194, UM08-13
Nicole Maestas and Na Yin
Download: Full Paper PDF View: Abstract

How Pension Rules Affect Work and Contribution Patterns: A Behavioral Model of the Chilean Privatized Pension System
WP 2008-193, UM08-22
Petra Todd and Viviana Vélez-Grajales
Download: Full Paper PDF View: Abstract

Labor Market and Immigration Behavior of Middle-Aged and Elderly Mexicans
WP 2008-192, UM08-14
Emma Aguila and Julie Zissimopoulos
Download: Full Paper PDF View: Abstract | Key Findings

Preparation for Retirement, Financial Literacy and Cognitive Resources
WP 2008-190, UM08-07
Adeline Delavande, Susann Rohwedder and Robert J. Willis
Download: Full Paper PDF View: Abstract

Are All Americans Saving 'Optimally' for Retirement?
WP 2008-189, UM08-01
John Karl Scholz and Ananth Seshadri
Download: Full Paper PDF View: Abstract | Key Findings

Curing the Dutch Disease: Lessons for United States Disability Policy
WP 2008-188, UM08-Q2
Richard V. Burkhauser, Mary C. Daly and Philip R. de Jong
Download: Full Paper PDF View: Abstract | Key Findings

The Transformation in Who is Expected to Work in the United States and How it Changed the Lives of Single Mothers and People with Disabilities
WP 2008-187, UM08-Q2
Richard V. Burkhauser, Mary C. Daly, Jeff Larrimore and Joyce Kwok
Download: Full Paper PDF View: Abstract | Key Findings

Retirement Wealth Across Cohorts: The Role of Earnings Inequality and Pension Changes
WP 2008-186, UM08-18
Ann Huff Stevens
Download: Full Paper PDF View: Abstract | Key Findings

The Ability of Various Measures of Fatness to Predict Application for Disability Insurance
WP 2008-185, UM08-17
Richard V. Burkhauser, John H. Cawley and Maximilian D. Schmeiser
Download: Full Paper PDF View: Abstract | Key Findings

The Adequacy of Economic Resources in Retirement
WP 2008-184, UM08-11
Michael Hurd and Susann Rohwedder
Download: Full Paper PDF View: Abstract | Key Findings

Early Retirement, Labor Supply, and Benefit Withholding: The Role of the Social Security Earnings Test
WP 2008-183, UM08-09
Hugo A. Benítez-Silva and Frank Heiland
Download: Full Paper PDF View: Abstract | Key Findings

Individuals’ Responses to Social Security Reform
WP 2008-182, UM08-08
Adeline Delavande and Susann Rohwedder
Download: Full Paper PDF View: Abstract | Key Findings

Immigrant-Native Fertility and Mortality Differentials in the United States
WP 2008-181, UM08-02
Purvi Sevak and Lucie Schmidt
Download: Full Paper PDF View: Abstract | Key Findings

Marital Histories and Economic Well-Being
WP 2008-180, UM08-10
Julie Zissimopoulos, Benjamin Karney and Amy J. Rauer
Download: Full Paper PDF View: Abstract | Key Findings

How Does Modeling of Retirement Decisions at the Family Level Affect Estimates of the Impact of Social Security Policies on Retirement?
WP 2008-179, UM08-03
Alan L. Gustman and Thomas L. Steinmeier
Download: Full Paper PDF View: Abstract | Key Findings

Deferred Annuities and Strategic Asset Allocation
WP 2008-178, UM08-24
Wolfram J. Horneff and Raimond H. Maurer
Download: Full Paper PDF View: Abstract

Asset Allocation and Location over the Life Cycle with Survival-Contingent Payouts
WP 2008-177, UM08-24
Wolfram J. Horneff, Raimond H. Maurer, Olivia S. Mitchell and Michael Z. Stamos
Download: Full Paper PDF View: Abstract

The Efficiency of Pension Plan Investment Menus: Investment Choices in Defined Contribution Pension Plans
WP 2008-176, UM08-20
Ning Tang and Olivia S. Mitchell
Download: Full Paper PDF View: Abstract

Forecasting Labor Force Participation and Economic Resources of the Early Baby Boomers
WP 2008-175, UM07-21
Pierre-Carl Michaud and Susann Rohwedder
Download: Full Paper PDF View: Abstract | Key Findings

Adequacy of Economic Resources in Retirement and Returns-to-scale in Consumption
WP 2008-174, UM07-07
Michael Hurd and Susann Rohwedder
Download: Full Paper PDF View: Abstract

Deconstructing Lifecycle Expenditure
WP 2008-173, UM08-06
Mark Aguiar and Erik Hurst
Download: Full Paper PDF View: Abstract

2007

Housing Wealth and Retirement Timing
WP 2007-172, UM07-20
Martin Farnham and Purvi Sevak
Download: Full Paper PDF View: Abstract | Key Findings

Trends in the Labor Force Participation of Married Women
WP 2007-171, UM07-15
Christopher House, John P. Laitner and Dmitriy Stolyarov
Download: Full Paper PDF View: Abstract

The Effects of Health Insurance and Self-Insurance on Retirement Behavior
WP 2007-170, UM07-13
Eric French and John Bailey Jones
Download: Full Paper PDF View: Abstract | Key Findings

How do Immigrants Fare in Retirement?
WP 2007-169, UM07-09
Purvi Sevak and Lucie Schmidt
Download: Full Paper PDF View: Abstract | Key Findings

Estimating the Health Effects of Retirement
WP 2007-168, UM07-08
John Bound and Timothy A. Waidmann
Download: Full Paper PDF View: Abstract | Key Findings

Managing the Risk of Life
WP 2007-167, UM07-04
Adeline Delavande and Robert J. Willis
Download: Full Paper PDF View: Abstract | Key Findings

Burnout and the Retirement Decision
WP 2007-166, UM07-03
Nicole Maestas and Xiaoyan Li
Download: Full Paper PDF View: Abstract | Key Findings

Life-Cycle Models: Lifetime Earnings and the Timing of Retirement
WP 2007-165, UM07-16
John P. Laitner and Daniel Silverman
Download: Full Paper PDF View: Abstract | Key Findings

Future Beneficiary Expectations of the Returns to Delayed Social Security Benefit Claiming and Choice Behavior
WP 2007-164, UM07-01
Jeff Dominitz, Angela Hung and Arthur van Soest
Download: Full Paper PDF View: Abstract | Key Findings

Take-Up of Medicare Part D and the SSA Subsidy: Early Results from the Health and Retirement Study
WP 2007-163, UM07-06
Helen Levy and David Weir
Download: Full Paper PDF View: Abstract | Key Findings

Financial Literacy and Stock Market Participation
WP 2007-162, UM07-SP
Maarten van Rooij, Annamaria Lusardi and Rob Alessie
Download: Full Paper PDF View: Abstract | Key Findings

The Impact of Private Participation on Disability Costs: Evidence from Chile
WP 2007-161, UM07-14
Estelle James, Alejandra Cox Edwards and Augusto Iglesias Palau
Download: Full Paper PDF View: Abstract | Key Findings

Are 401(k) Saving Rates Changing? Cohort/Period Evidence from the Health and Retirement Study
WP 2007-160, UM07-05
Irena Dushi and Marjorie Honig
Download: Full Paper PDF View: Abstract | Key Findings

Subjective Survival Probabilities in the Health and Retirement Study: Systematic Biases and Predictive Validity
WP 2007-159, UM07-19
Todd Elder
Download: Full Paper PDF View: Abstract | Key Findings

Children and Household Wealth
WP 2007-158, UM07-12
John Karl Scholz and Ananth Seshadri
Download: Full Paper PDF View: Abstract | Key Findings

Financial Literacy and Retirement Planning: New Evidence from the Rand American Life Panel
WP 2007-157, UM07-10
Annamaria Lusardi and Olivia S. Mitchell
Download: Full Paper PDF View: Abstract | Key Findings

A Longitudinal Analysis of Entries and Exits of the Low-Income Elderly to and from the Supplemental Security Income Program
WP 2007-156, UM07-02
Elizabeth Powers and Todd Elder
Download: Full Paper PDF View: Abstract | Key Findings

The Effect of Retirement Incentives on Retirement Behavior: Evidence from the Self-Employed in the United States and England
WP 2007-155, UM07-18
Julie Zissimopoulos, Nicole Maestas and Lynn Karoly
Download: Full Paper PDF View: Abstract | Key Findings

Winners and Losers: 401(k) Trading and Portfolio Performance
WP 2007-154, UM07-11
Takeshi Yamaguchi, Olivia S. Mitchell, Gary R. Mottola and Stephen P. Utkus
Download: Full Paper PDF View: Abstract | Key Findings

Projecting Behavioral Responses to the Next Generation of Retirement Policies
WP 2007-153, UM05-02
Alan L. Gustman and Thomas L. Steinmeier
Download: Full Paper PDF View: Abstract | Key Findings

Money in Motion: Dynamic Portfolio Choice in Retirement
WP 2007-152, UM07-17
Wolfram J. Horneff, Raimond H. Maurer, Olivia S. Mitchell and Michael Z. Stamos
Download: Full Paper PDF View: Abstract | Key Findings

Enhancing the Quality of Data on the Measurement of Income and Wealth
WP 2007-151, UM06-01
F. Thomas Juster, Honggao Cao, Mick Couper, Daniel H. Hill, Michael Hurd, Joseph P Lupton, Michael Perry and James P. Smith
Download: Full Paper PDF View: Abstract

The Responsiveness of Private Savings to Medicaid Long Term Care Policies
WP 2007-150, UM06-18
Purvi Sevak and Lina Walker
Download: Full Paper PDF View: Abstract

Labor Market Status and Transitions During the Pre-Retirement Years: Learning from International Differences
WP 2007-149, UM06-22
Arie Kapteyn, James P. Smith, Arthur van Soest and James Banks
Download: Full Paper PDF View: Abstract | Key Findings

2006

The Importance of Objective Health Measures in Predicting Early Receipt of Social Security Benefits: The Case of Fatness
WP 2006-148, UM06-23
Richard V. Burkhauser and John H. Cawley
Download: Full Paper PDF View: Abstract | Key Findings

Crowd-out, Adverse Selection and Information in Annuity Markets: Evidence from a New Retrospective Data Set in Chile
WP 2006-147, UM06-19
Alejandra Cox Edwards and Estelle James
Download: Full Paper PDF View: Abstract | Key Findings

Life-Cycle Asset Allocation with Annuity Markets: Is Longevity Insurance a Good Deal?
WP 2006-146, UM06-11
Wolfram J. Horneff, Raimond H. Maurer and Michael Z. Stamos
Download: Full Paper PDF View: Abstract | Published Citation

How the Distribution of After-Tax Income Changed Over the 1990s Business Cycle: A Comparison of the United States, Great Britain, Germany and Japan
WP 2006-145, UM05-S3
Richard V. Burkhauser, Takashi Oshio and Ludmila Rovba
Download: Full Paper PDF View: Abstract | Published Citation

Financial Literacy and Retirement Preparedness: Evidence and Implications for Financial Education Programs
WP 2006-144, UM06-05
Annamaria Lusardi and Olivia S. Mitchell
Download: Full Paper PDF View: Abstract | Published Citation

Home Production by Dual Earner Couples and Consumption During Retirement
WP 2006-143, UM06-10
Christopher House, John P. Laitner and Dmitriy Stolyarov
Download: Full Paper PDF View: Abstract | Key Findings

Consumption, Retirement, and Social Security: Evaluating the Efficiency of Reform with a Life-Cycle Model
WP 2006-142, UM05-19
John P. Laitner and Daniel Silverman
Download: Full Paper PDF View: Abstract | Key Findings

Self-Assessed Retirement Outcomes: Determinants and Pathways
WP 2006-141, UM06-14
Susann Rohwedder
Download: Full Paper PDF View: Abstract | Key Findings

Social Security Privatization with Income-Mortality Correlation
WP 2006-140, UM06-07
Shinichi Nishiyama and Kent Smetters
Download: Full Paper PDF View: Abstract

Taxes, Wages, and the Labor Supply of Older Americans
WP 2006-139, UM06-08
Lucie Schmidt and Purvi Sevak
Download: Full Paper PDF View: Abstract | Key Findings

Retirement Savings Portfolio Management
WP 2006-138, UM06-20
Jeff Dominitz and Angela Hung
Download: Full Paper PDF View: Abstract

The Impact of Health Insurance Availability on Retirement Decision Reversals
WP 2006-137, UM05-S4
Joshua Congdon-Hohman
Download: Full Paper PDF View: Abstract

Planning and Financial Literacy: How Do Women Fare?
WP 2006-136, UM06-05
Annamaria Lusardi and Olivia S. Mitchell
Download: Full Paper PDF View: Abstract

How Did the Elimination of the Earnings Test Above the Normal Retirement Age Affect Retirement Expectations?
WP 2006-135, UM06-13
Pierre-Carl Michaud and Arthur van Soest
Download: Full Paper PDF View: Abstract | Published Citation

A Dynamic Model of Retirement and Social Security Reform Expectations: A Solution to the New Early Retirement Puzzle
WP 2006-134, UM06-17
Hugo A. Benítez-Silva, Debra Sabatini Dwyer and Warren C. Sanderson
Download: Full Paper PDF View: Abstract | Key Findings

Discouraged Workers? Job Search Outcomes of Older Workers
WP 2006-133, UM06-21
Nicole Maestas and Xiaoyan Li
Download: Full Paper PDF View: Abstract | Key Findings

Alternative Measures of Replacement Rates
WP 2006-132, UM06-03
Michael Hurd and Susann Rohwedder
Download: Full Paper PDF View: Abstract

Men With Health Insurance and the Women Who Love Them: the Effect of a Husband's Retirement on His Wife's Health Insurance Coverage
WP 2006-131, UM06-15
Jody Schimmel Hyde
Download: Full Paper PDF View: Abstract

Financial Risk, Retirement, Saving and Investment
WP 2006-130, UM06-12
Alan L. Gustman and Thomas L. Steinmeier
Download: Full Paper PDF View: Abstract

Probabilistic Thinking and Early Social Security Claiming
WP 2006-129, UM06-09
Adeline Delavande, Michael Perry and Robert J. Willis
Download: Full Paper PDF View: Abstract

How Accurate are Expected Retirement Savings?
WP 2006-128, UM06-04
Steven J. Haider and Mel Stephens Jr.
Download: Full Paper PDF View: Abstract

How Changes in Social Security Affect Retirement Trends
WP 2006-127, UM06-02
Alan L. Gustman and Thomas L. Steinmeier
Download: Full Paper PDF View: Abstract

Americans' Dependency on Social Security
WP 2006-126, UM06-16
Laurence J. Kotlikoff, Ben Marx and Pietro Rizza
Download: Full Paper PDF View: Abstract

Understanding Trading Behavior in 401(k) Plans
WP 2006-125, UM05-S2
Takeshi Yamaguchi
Download: Full Paper PDF View: Abstract

Optimizing the Retirement Decision: Asset Allocation, Annuitization, and Risk Aversion
WP 2006-124, UM06-11
Wolfram J. Horneff, Raimond H. Maurer, Olivia S. Mitchell and Ivica Dus
Download: Full Paper PDF View: Abstract | Published Citation

The Excess Burden of Government Indecision
WP 2006-123, UM06-16
Francisco Gomes, Laurence J. Kotlikoff and Luis M. Viceira
Download: Full Paper PDF View: Abstract

Savings Between Cohorts: the Role of Planning
WP 2006-122, UM05-09
Annamaria Lusardi and Jason Beeler
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

Social Security and Retirement Dynamics
WP 2006-121, UM05-05
Alan L. Gustman and Thomas L. Steinmeier
Download: Full Paper PDF View: Abstract

The Role of Conventional Retirement Age in Retirement Decisions
WP 2006-120, UM05-11
Charles Brown
Download: Full Paper PDF View: Abstract | Key Findings

Savings, Portfolio Choice, and Retirement Expectations
WP 2006-119, UM05-14
Arthur van Soest and Arie Kapteyn
Download: Full Paper PDF View: Abstract | Key Findings

The Impact of Misperceptions about Social Security on Saving and Well-being
WP 2006-118, UM05-10
Susann Rohwedder and Arthur van Soest
Download: Full Paper PDF View: Abstract | Key Findings

Public Health Insurance and SSI Program Participation Among the Aged
WP 2006-117, UM05-16
Todd Elder and Elizabeth Powers
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

Social Security Replacement Rates for Alternative Earnings Benchmarks
WP 2006-116, UM05-01
Olivia S. Mitchell and John W. R. Phillips
Download: Full Paper PDF View: Abstract | Key Findings | Published Citation

The Inattentive Participant: Portfolio Trading Behavior in 401(k) Plans
WP 2006-115, UM06-06
Olivia S. Mitchell, Gary R. Mottola, Stephen P. Utkus and Takeshi Yamaguchi
Download: Full Paper PDF View: Abstract | Key Findings

Baby Boomer Retirement Security: The Roles of Planning, Financial Literacy, and Housing Wealth
WP 2006-114, UM05-09
Annamaria Lusardi and Olivia S. Mitchell
Download: Full Paper PDF View: Abstract | Published Citation

The Effect of Unfolding Brackets on the Quality of Wealth Data in HRS
WP 2006-113, UM05-06
F. Thomas Juster, Honggao Cao, Michael Perry and Mick Couper
Download: Full Paper PDF View: Abstract

On the Covariance Structure of Changes in Consumption in the Health and Retirement Study
WP 2006-112, UM05-S1
Michael Perry
Download: Full Paper PDF View: Abstract

How to Integrate Disability Benefits into a System with Individual Accounts: The Chilean Model
WP 2006-111, UM05-13
Estelle James and Augusto Iglesias Palau
Download: Full Paper PDF View: Abstract

Consumption and Economic Well-Being at Older Ages: Income- and Consumption-Based Poverty Measures in the HRS
WP 2006-110, UM05-08
Michael Hurd and Susann Rohwedder
Download: Full Paper PDF View: Abstract

2005

Gender, Marriage, and Asset Accumulation in the United States
WP 2005-109, UM05-12
Lucie Schmidt and Purvi Sevak
Download: Full Paper PDF View: Abstract | Published Citation

Financial Literacy and Planning: Implications for Retirement Wellbeing
WP 2005-108, UM05-09
Annamaria Lusardi and Olivia S. Mitchell
Download: Full Paper PDF View: Abstract

Technological Progress and Worker Productivity at Different Ages
WP 2005-107, UM05-04
John P. Laitner and Dmitriy Stolyarov
Download: Full Paper PDF View: Abstract

Does Social Security Privatization Produce Efficiency Gains?
WP 2005-106, UM05-15
Shinichi Nishiyama and Kent Smetters
Download: Full Paper PDF View: Abstract | Published Citation

Retirement, Saving, Benefit Claiming and Solvency Under A Partial System of Voluntary Personal Accounts
WP 2005-105, UM05-02
Alan L. Gustman and Thomas L. Steinmeier
Download: Full Paper PDF View: Abstract

Why Not Retire? The Time and Timing Costs of Market Work
WP 2005-104, UM05-18
Daniel S. Hamermesh
Download: Full Paper PDF View: Abstract

Estimating Life Cycle Effects of Subjective Survival Probabilites in the Health and Retirement Study
WP 2005-103, UM05-S1
Michael Perry
Download: Full Paper PDF View: Abstract

Will China Eat Our Lunch or Take Us to Dinner? Simulating the Transition Paths of the U.S., E.U., Japan, and China
WP 2005-102, UM05-03
Hans Fehr, Sabine Jokisch and Laurence J. Kotlikoff
Download: Full Paper PDF View: Abstract

Enhancing the Quality of Data on Income and Wealth
WP 2005-101, UM04-10
Honggao Cao, Daniel H. Hill, F. Thomas Juster and Michael Perry
Download: Full Paper PDF View: Abstract

Knowledge and Preference in Reporting Financial Information
WP 2005-100, UM04-10
Honggao Cao and Daniel H. Hill
Download: Full Paper PDF View: Abstract

Estimating Life-Cycle Parameters from Consumption Behavior at Retirement
WP 2005-099, UM02-03
John P. Laitner and Daniel Silverman
Download: Full Paper PDF View: Abstract

Do Individual Accounts Postpone Retirement: Evidence from Chile
WP 2005-098, UM04-07
Estelle James and Alejandra Cox Edwards
Download: Full Paper PDF View: Abstract

Valuing Lost Home Production in Dual-Earner Couples
WP 2005-097, UM04-14
John P. Laitner, Christopher House and Dmitriy Stolyarov
Download: Full Paper PDF View: Abstract | Published Citation

Changes in Consumption and Activities in Retirement
WP 2005-096, UM04-13
Michael Hurd and Susann Rohwedder
Download: Full Paper PDF View: Abstract

The Impact of the 1972 Social Security Benefit Increase in Household Consumption
WP 2005-095, UM04-05
Mel Stephens Jr.
Download: Full Paper PDF View: Abstract

Saving Shortfalls and Delayed Retirement
WP 2005-094, UM04-C1
Andrew Au, Olivia S. Mitchell and John W. R. Phillips
Download: Full Paper PDF View: Abstract

Measuring Social Security’s Financial Problems
WP 2005-093, UM04-04
Jagadeesh Gokhale and Kent Smetters
Download: Full Paper PDF View: Abstract | Published Citation

Social Security Privatization with Elastic Labor Supply and Second-Best Taxes
WP 2005-092, UM04-02
Kent Smetters
Download: Full Paper PDF View: Abstract

2004

Using a Structural Retirement Model to Simulate the Effects of Changes to the OASDI and Medicare Programs
WP 2004-091, UM04-06
John Bound, Todd R. Stinebrickner and Timothy A. Waidmann
Download: Full Paper PDF View: Abstract

The Social Security Retirement Earnings Test, Retirement and Benefit Claiming
WP 2004-090, UM04-01
Alan L. Gustman and Thomas L. Steinmeier
Download: Full Paper PDF View: Abstract

Obesity, Disability and Movement Onto the Disability Insurance Rolls
WP 2004-089, UM04-08
Richard V. Burkhauser and John H. Cawley
Download: Full Paper PDF View: Abstract

Grasshoppers, Ants and Pre-Retirement Wealth: A Test of Permanent Income Consumers
WP 2004-088, UM04-S1
Erik Hurst
Download: Full Paper PDF View: Abstract

Welfare Reform and Immigrant Participation in the Supplemental Security Income Program
WP 2004-087, UM02-C1
Paul S. Davies and Michael J. Greenwood
Download: Full Paper PDF View: Abstract

The Impact of Health Status and Out-of-Pocket Medical Expenditures on Annuity Valuation
WP 2004-086, UM04-03
Cassio Turra and Olivia S. Mitchell
Download: Full Paper PDF View: Abstract

Back to Work: Expectations and Realizations of Work After Retirement
WP 2004-085, UM03-15
Nicole Maestas
Download: Full Paper PDF View: Abstract

Global Aging: Issues, Answers, and More Questions
WP 2004-084, UM04-Q1
Axel H. Börsch-Supan
Download: Full Paper PDF View: Abstract

Precautionary Saving Over the Lifecycle
WP 2004-083, UM03-02
John P. Laitner
Download: Full Paper PDF View: Abstract

Understanding Patterns of Social Security Benefit Receipt, Pensions Incomes, Retirement and Saving by Race, Ethnicity, Gender and Marital Status: A Structural Approach
WP 2004-082, UM03-13
Alan L. Gustman and Thomas L. Steinmeier
Download: Full Paper PDF View: Abstract

Correcting Second Home Equity in HRS/AHEAD: The Issues, a Method, and Some Preliminary Results
WP 2004-081, UM03-Q3
Honggao Cao and F. Thomas Juster
Download: Full Paper PDF View: Abstract

Decaying Asymmetric Information and Adverse Selection in Annuities
WP 2004-080, UM03-S2
David McCarthy
Download: Full Paper PDF View: Abstract

The Impact of the 1996 SSI Childhood Disability Reforms: Evidence from Matched SIPP-SSA Data
WP 2004-079, UM03-C1
Lynn Karoly and Paul S. Davies
Download: Full Paper PDF View: Abstract

How to Evaluate the Effects of Social Security Policies on Retirement and Saving When Firm Policies Affect the Opportunities Facing Older Individuals
WP 2004-078, UM03-03
Alan L. Gustman and Thomas L. Steinmeier
Download: Full Paper PDF View: Abstract

Characteristics of and determinants of the density of contributions in a Private Social Security System
WP 2004-077, UM03-04
Alberto Arenas de Mesa, Jere Behrman and David Bravo
Download: Full Paper PDF View: Abstract

SSI for the Aged and the Problem of 'Take-Up
WP 2004-076, UM03-14
Todd Elder and Elizabeth Powers
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Economic Adjustment of Recent Retirees to Adverse Wealth Shocks
WP 2004-075, UM03-S1
Gábor Kézdi and Purvi Sevak
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Modeling Lifetime Earnings Paths: Hypothetical versus Actual Workers
WP 2004-074, UM02-C2
Andrew Au, Olivia S. Mitchell and John W. R. Phillips
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Random Scenario Forecasts Versus Stochastic Forecasts
WP 2004-073, UM01-03
Shripad Tuljapurkar, Ronald D. Lee and Qi Li
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Life, Death, and the Economy: Mortality Change in Overlapping-Generations Model
WP 2004-072, UM01-03
Qi Li and Shripad Tuljapurkar
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A Cross-National Comparison of the Employment for Men With Disabilities: The United States and Germany in the 1980s and 1990s
WP 2004-071, UM03-D3
Richard V. Burkhauser and Johan Mathis Schröder
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Elderly Households and Housing Wealth: Do They Use It or Lose It?
WP 2004-070, UM03-D1
Lina Walker
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The Retirement-Consumption Puzzle: Anticipated and Actual Declines in Spending at Retirement
WP 2004-069, UM03-10
Michael Hurd and Susann Rohwedder
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Payout Choices by Retirees in Chile: What Are They and Why?
WP 2004-068, UM03-07
Estelle James, Guillermo Martínez Barros and Augusto Iglesias Palau
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Personal Accounts and Family Retirement
WP 2004-067, UM02-06
Alan L. Gustman and Thomas L. Steinmeier
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Trading with the Unborn: A New Perspective on Capital Income Taxation
WP 2004-066, UM03-12
Kent Smetters
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2003

Medicare Gaps and Widow Poverty
WP 2003-065, UM03-08
Kathleen McGarry and Robert F. Schoeni
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Early Retirement Windows
WP 2003-064, UM02-07
Charles Brown
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Betting on Death and Capital Markets in Retirement: A Shortfall Risk Analysis of Life Annuities versus Phased Withdrawal Plans
WP 2003-063, UM04-12
Ivica Dus, Raimond H. Maurer and Olivia S. Mitchell
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Expectation Formation of Older Married Couples and the Rational Expectations Hypothesis
WP 2003-062, UM03-11
Hugo A. Benítez-Silva and Debra Sabatini Dwyer
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The Impact of Financial Education on Savings and Asset Allocation
WP 2003-061, UM03-06
Annamaria Lusardi
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The Demand for Guarantees in Social Security Personal Retirement Accounts
WP 2003-060, UM03-05
Olivia S. Mitchell and Alexander Muermann
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Expectations in Micro Data: Rationality Revisited
WP 2003-059, UM02-11
Hugo A. Benítez-Silva, Debra Sabatini Dwyer, Wayne-Roy Gayle and Thomas J. Muench
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Defined Benefit Pension Plan Liabilities and International Asset Allocation
WP 2003-058, UM03-D2
Tongxuan Yang
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The Impact of Poor Health Behaviors on Workforce Disability
WP 2003-057, UM02-12
Caroline R. Richardson, Jennifer T. Hanlon, Hillary J. Mull, Sandeep Vijan, Rodney Hayward, Linda Wray and Kenneth M. Langa
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Labor Supply Flexibility and Portfolio Choice: An Empirical Analysis
WP 2003-056, UM03-09
Hugo A. Benítez-Silva
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The Annuity Puzzle Revisited
WP 2003-055, UM02-01
Hugo A. Benítez-Silva
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Social Security, Retirement and Wealth: Theory and Implications
WP 2003-054, UM02-10
Miles S. Kimball and Matthew D. Shapiro
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A Lifecycle Analysis of Defined Benefit Pension Plans
WP 2003-053, UM02-D1
David McCarthy
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The Social Security Reform Process in Italy: Where do We Stand?
WP 2003-052, UM03-01
Agar Brugiavini and Vincenzo Galasso
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Lifetime Earnings Variability and Retirement Wealth
WP 2003-051, UM01-C1
Olivia S. Mitchell, John W. R. Phillips, Andrew Au and David McCarthy
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Labor Supply Responses to Social Security
WP 2003-050, UM02-03
John P. Laitner
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How Important Are Wages to the Elderly? Evidence from the New Beneficiary Data System and the Social Security Earnings Test
WP 2003-049, UM02-09
Steven J. Haider and David Loughran
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Microsimulations in the Presence of Heterogeneity
WP 2003-048, UM01-08
Constantijn W. A. Panis and Lee Lillard
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Mental Health and Labor Force Exits in Older Workers: The Mediating or Moderating Roles of Physical Health and Job Factors
WP 2003-047, UM01-07
Linda Wray
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The Economic Status of Elderly Divorced Women
WP 2003-046, UM02-08
Steven J. Haider, Alison Jacknowitz and Robert F. Schoeni
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Saving for Retirement: Wage Growth and Unexpected Events
WP 2003-045, UM02-05
Michael Hurd and Julie Zissimopoulos
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Key Equations in the Tuljapurkar-Lee Model of the Social Security System
WP 2003-044, UM03-Q1
Ryan D. Edwards, Ronald D. Lee, Michael W. Anderson, Shripad Tuljapurkar and Carl Boe
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Stochastic Forecasts of the Social Security Trust Fund
WP 2003-043, UM03-Q1
Ronald D. Lee, Michael W. Anderson and Shripad Tuljapurkar
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Disability Benefits as Social Insurance: Tradeoffs Between Screening Stringency and Benefit Generosity in Optimal Program Design
WP 2003-042, UM00-13
Timothy A. Waidmann, John Bound and Austin Nichols
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The German Public Pension System: How it Was, How it Will Be
WP 2003-041, UM03-01
Axel H. Börsch-Supan and Christina B. Wilke
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Widowhood, Divorce, and Loss of Health Insurance Among Near Elderly Women: Evidence from the Health and Retirement Study
WP 2003-040, UM00-09
David Weir and Robert J. Willis
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Who Becomes a Stockholder? Expectations, Subjective Uncertainty, and Asset Allocation
WP 2003-039, UM02-04
Gábor Kézdi and Robert J. Willis
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Retirement Effects of Proposals by the President’s Commission to Strengthen Social Security
WP 2003-038, UM02-02
Alan L. Gustman and Thomas L. Steinmeier
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What to Expect when you are Expecting Rationality: Testing Rational Expectations using Micro Data
WP 2003-037, UM02-11
Hugo A. Benítez-Silva and Debra Sabatini Dwyer
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The Supplemental Security Income Program and Incentives to Claim Social Security Retirement Early: Empirical Evidence from Matched SIPP and Social Security Administrative Files
WP 2003-036, UM02-13
Elizabeth Powers and David Neumark
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Understanding Individual Account Guarantees
WP 2003-035, UM02-D2
Marie-Eve Lachance and Olivia S. Mitchell
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The Impact of Diabetes on Work-force Participation: Results from a National Household Sample
WP 2003-034, UM01-11
Sandeep Vijan and Kenneth M. Langa
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2002

How Exits from the Labor Force or Death Impact Household Incomes: A Four Country Comparison of Public and Private Income Support
WP 2002-033, UM00-10
Richard V. Burkhauser, Phil Giles and Dean Lillard
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Applications, Denials, and Appeals for Social Security Disability Insurance
WP 2002-032, UM00-06
Olivia S. Mitchell and John W. R. Phillips
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The New Social Security Commission Personal Accounts: Where is the Investment Principal?
WP 2002-031, UM02-02
Alan L. Gustman and Thomas L. Steinmeier
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Ensuring Time-Series Consistency in Estimates of Income and Wealth
WP 2002-030, UM02-Q3
F. Thomas Juster, Joseph P Lupton and Honggao Cao
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The Social Security Early Entitlement Age in a Structural Model of Retirement and Wealth
WP 2002-029, UM01-02
Alan L. Gustman and Thomas L. Steinmeier
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Early Retirement Windows
WP 2002-028, UM01-04
Charles Brown
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Wealth Shocks and Retirement Timing: Evidence from the Nineties
WP 2002-027, UM00-D1
Purvi Sevak
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The Retirement Behavior of Federal Civil Service Workers
WP 2002-026, UM01-09
Beth Asch, Steven J. Haider and Julie Zissimopoulos
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Transition Paths and Social Security Reform
WP 2002-025, UM01-05
John P. Laitner
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The Welfare Implications of Increasing DI Benefit Generosity
WP 2002-024, UM00-12
John Bound, Julie Berry Cullen, Austin Nichols and Lucie Schmidt
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The Economic Consequences of Widowhood
WP 2002-023, UM99-05
David Weir, Robert J. Willis and Purvi Sevak
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Dropping Out of Social Security
WP 2002-022, UM01-01
Kent Smetters and Jan Walliser
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The Effects of Subjective Survival on Retirement and Social Security Claiming
WP 2002-021, UM00-05
Michael Hurd and James P. Smith
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2001

Secular Changes in Wealth Inequality and Inheritance
WP 2001-020, UM00-11
John P. Laitner
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Wealth Accumulation in the U.S.: Do Inheritances and Bequests Play a Significant Role?
WP 2001-019, UM00-11
John P. Laitner
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Social Security, Pensions and Retirement Behavior Within the Family
WP 2001-018, UM00-01
Alan L. Gustman and Thomas L. Steinmeier
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Wealth, Inequality, and Altruistic Bequests
WP 2001-017, UM00-11
John P. Laitner
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Health, Wealth and Gender: Do Health Shocks of Husbands and Wives Have Different Impacts on Household Wealth?
WP 2001-016, UM01-06
Jennifer Ward-Batts
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Modeling the Macroeconomic Implications of Social Security Reform
WP 2001-015, UM00-11
John P. Laitner
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Long-term Labor Force Exit and Economic Well-being: A Cross-National Comparison of Public and Private Income Support
WP 2001-014, UM00-10
Richard V. Burkhauser, Dean Lillard and Paola Maria Valenti
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Informal Caregiving for Diabetes and Diabetic Complications Among Elderly Americans
WP 2001-013, UM01-11
Kenneth M. Langa, Sandeep Vijan, Rodney Hayward, Michael Chernew, Caroline Blaum, Mohammed Kabeto, David Weir, Steven Katz, Robert J. Willis and A. Mark Fendrick
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Imperfect Knowledge, Retirement and Saving
WP 2001-012, UM00-08
Alan L. Gustman and Thomas L. Steinmeier
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Eligibility for Social Security Disability Insurance
WP 2001-011, UM00-06
Olivia S. Mitchell and John W. R. Phillips
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Stochastic Rates of Return for Social Security Under Various Policy Scenarios
WP 2001-010, UM00-03
Michael W. Anderson, Hisashi Yamagata and Shripad Tuljapurkar
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Tracking the Household Income of SSDI and SSI Applicants
WP 2001-009, UM99-03
John Bound, Richard V. Burkhauser and Austin Nichols
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Chances are...Stochastic Forecasts of the Social Security Trust Fund and Attempts to Save It
WP 2001-008, UM99-07
Michael W. Anderson, Shripad Tuljapurkar and Ronald D. Lee
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Cognition and Wealth: The Importance of Probabilistic Thinking
WP 2001-007, UM00-04
Lee Lillard and Robert J. Willis
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2000

Retirement Responses to Early Social Security Benefit Reductions
WP 2000-006, UM99-01
Olivia S. Mitchell and John W. R. Phillips
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How Effective is Redistribution Under the Social Security Benefit Formula?
WP 2000-005, UM99-04
Alan L. Gustman and Thomas L. Steinmeier
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Saving for Retirement: Household Bargaining and Household Net Worth
WP 2000-004, UM00-02
Shelly Lundberg and Jennifer Ward-Batts
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Marriage, Divorce and the Work and Earning Careers of Spouses
WP 2000-003, UM99-06
Lee Lillard and Linda Waite
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Retirement and Wealth
WP 2000-002, UM99-02
Alan L. Gustman and Thomas L. Steinmeier
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