Working Papers, Center for Retirement Research at Boston College

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2016-15: Work, Retirement, and Social Networks at Older Ages

Eleonora Patacchini and Gary V. Engelhardt

2016-14: Calculating Expected Social Security Benefits by Race, Education, and Claiming Age

Geoffrey Sanzenbacher and Jorge D. Ramos-Mercado

2016-13: Do Late-Career Wages Boost Social Security More For Women Than Men?

Matthew Rutledge and John E. Lindner

2016-12: Cognitive Impairment and Social Security's Representative Payee Program

Anek Belbase and Geoffrey Sanzenbacher

2016-11: An Overview of the Pension/OPEB Landscape

Alicia Munnell and Jean-Pierre Aubry

2016-10: What Are the Effects of Doubling Up on Retirement Income and Assets?

Deirdre Pfeiffer, Katrin B. Anacker and Brooks Louton

2016-9: How Does Student Debt Affect Early-Career Retirement Saving?

Matthew Rutledge, Geoffrey Sanzenbacher and Francis M. Vitagliano

2016-7: The Mortality Effects of Retirement: Evidence from Social Security Eligibility at Age 62

Maria Fitzpatrick and Timothy Moore

2016-6: How Would Investing in Equities Have Affected the Social Security Trust Fund?

Gary Burtless, Anqi Chen, Wenliang Hou, Alicia Munnell and Anthony Webb

2016-5: Are Early Claimers Making a Mistake?

Alicia Munnell, Geoffrey Sanzenbacher, Anthony Webb and Christopher M. Gillis

2016-4: Marital Histories, Gender, and Financial Security in Late Mid-Life: Evidence from Four Cohorts in the Health and Retirement Study

Amelia Karraker and Cassandra Dorius

2016-3: Pension Participation, Wealth, and Income: 1992-2010

Alicia Munnell, Wenliang Hou, Anthony Webb and Yinji Li

2016-2: The Interconnected Relationships of Health Insurance, Health, and Labor Market Outcomes

Matthew Rutledge

2016-1: Labor Force Dynamics in the Great Recession and its Aftermath: Implications for Older Workers

Gary Burtless

2015-29: Elderly Poverty in the United States in the 21st Century: Exploring the Role of Assets in the Supplemental Poverty Measure

Christopher Wimer and Lucas Manfield

2015-28: The Economic Burden of Out-of-Pocket Medical Expenditures Before and After Implementation of the Medicare Prescription Drug Program

Ayse Akincigil and Karen Zurlo

2015-27: Delaying claiming past the early eligibility age of 62 has taken on increased importance. Individuals turning 62 with no job and limited income may be able to use temporary assistance programs such as Unemployment Insurance (UI), Medicaid, and the Supplemental Nutrition Assistance Program (SNAP) as sources of support prior to collecting Social Security benefits. To what extent do these programs allow recipients to delay Social Security claiming? The challenge in answering this question stems from the fact that program users’ dire economic straits may make them more likely to claim benefits from both Social Security and these programs, generating a misleading correlation between Social Security claiming and temporary assistance benefits. This paper constructs instruments for program generosity that vary with an individual’s state of residence but should not reflect the characteristics or circumstances of the individual

Geoffrey T. Sanzenbacher, April Yanyuan Wu and Matthew Rutledge

2015-26: Do Households Increase Their Savings When the Kids Leave Home?

Irena Dushi, Alicia Munnell, Geoffrey Sanzenbacher and Anthony Webb

2015-25: Evaluating the Impact of Social Security Benefits on Health Outcomes Among the Elderly

Padmaja Ayyagari

2015-24: Does Age-Related Decline in Ability Correspond with Retirement Age?

Anek Belbase, Geoffrey Sanzenbacher and Christopher M. Gillis

2015-23: Job Polarization and Labor Market Outcomes for Older, Middle-Skilled Workers

Matthew Rutledge and Qi Guan

2015-22: What Causes Workers to Retire Before They Plan?

Alicia Munnell, Geoffrey Sanzenbacher and Matthew Rutledge

2015-21: Calculating Neutral Increases in Retirement Age by Socioeconomic Status

Geoffrey Sanzenbacher, Anthony Webb, Candace M. Cosgrove and Natalia S. Orlova

2015-20: How Does Occupational Access for Older Workers Differ by Education?

Matthew Rutledge, Steven Sass and Jorge D. Ramos-Mercado

2015-19: How Much Longer Do People Need to Work?

Alicia Munnell, Anthony Webb and Anqi Chen

2015-18: The Challenge of Pension Reform in Georgia: Non-Contributory Pensions and Elderly Poverty

Tamila Nutsubidze and Khatuna Nutsubidze

2015-17: The Transition from Defined Benefit to Defined Contribution Pensions: Does It Influence Elderly Poverty?

Natalia S. Orlova, Matthew Rutledge and April Yanyuan Wu

2015-16: Will the Average Retirement Age Continue to Increase?

Matthew Rutledge, Christopher M. Gillis and Anthony Webb

2015-15: The Role of Occupations in Differentiating Health Trajectories in Later Life

Michal Engelman and Heide Jackson

2015-14: The Relationship Between Automatic Enrollment and DC Plan Contributions: Evidence from a National Survey of Older Workers

Barbara Butrica and Nadia Karamcheva

2015-13: Evidence of Increasing Differential Mortality: A Comparison of the HRS and SIPP

Barry Bosworth and Kan Zhang

2015-12: Slowed or Sidelined? The Effect of “Normal” Cognitive Decline on Job Performance Among the Elderly

Anek Belbase, Mashfiqur R. Khan, Alicia Munnell and Anthony Webb

2015-11: Does Social Security Continue to Favor Couples?

Nadia Karamcheva, April Yanyuan Wu and Alicia Munnell

2015-10: Sources of Increasing Differential Mortality Among the Aged by Socioeconomic Status

Barry Bosworth, Gary Burtless and Kan Zhang

2015-9: Do Retired Americans Annuitize Too Little? Trends in the Share of Annuitized Income

Barry Bosworth, Gary Burtless and Mattan Alalouf

2015-8: Impact of the Financial Crisis on Long-Term Growth

Barry Bosworth

2015-7: Post-War Trends in Labor Income in the Social Security Earnings Records

Gary Burtless and Kan Zhang

2015-6: Improving Employees’ Life and Disability Insurance Benefit Decisions: Results of an Employer Survey

Anek Belbase, Norma Coe and Matthew Rutledge

2015-5: Overcoming Barriers to Life Insurance Coverage: A Behavioral Approach

Anek Belbase, Norma Coe and April Yanyuan Wu

2015-4: How Do People Decide on Life Insurance and Long-Term Disability Insurance Coverage?

Norma Coe and Anek Belbase

2015-3: What Do Subjective Assessments of Financial Well-Being Reflect?

Steven Sass, Anek Belbase, Thomas Cooperrider and Jorge D. Ramos-Mercado

2015-2: The Impact of Leakages from 401(k)s and IRAs

Alicia Munnell and Anthony Webb

2015-1: Recruiting and Retaining High-Quality State and Local Workers: Do Pensions Matter?

Alicia Munnell, Jean-Pierre Aubry and Geoffrey Sanzenbacher

2014-17: Do Tax Incentives Increase 401(k) Retirement Saving? Evidence from the Adoption of Catch-Up Contributions

Matthew Rutledge, April Yanyuan Wu and Francis M. Vitagliano

2014-16: Are Retirees Falling Short? Reconciling the Conflicting Evidence

Alicia Munnell, Matthew Rutledge and Anthony Webb

2014-15: Lifetime Job Demands, Work Capacity at Older Ages, and Social Security Benefit Claiming Decisions

Lauren Nicholas

2014-14: Who Is Internationally Diversified? Evidence from 296 401(k) Plans

Geert Bekaert, Kenton Hoyem, Wei-Yin Hu and Enrichetta Ravina

2014-13: The Causes and Consequences of Financial Fraud Among Older Americans

Keith Jacks Gamble, Patricia Boyle, Lei Yu and David Bennett

2014-12: New Evidence on the Risk of Requiring Long-Term Care

Leora Friedberg, Wenliang Hao, Wei Sun, Anthony Webb and Zhenyu Li

2014-9: The Impact of Mandatory Coverage on State and Local Budgets

Alicia Munnell, Jean-Pierre Aubry and Anek Belbase