Working Papers

From University of Michigan, Michigan Retirement Research Center
P.O. Box 1248, Ann Arbor, MI 48104.
Contact information at EDIRC.
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2010: Protecting the Household Incomes of Older Workers with Significant Health-Related Work Limitations in an Era of Fiscal Responsibility

Jody Schimmel and David C. Stapleton

2010: Framing Social Security Reform: Behavioral Responses to Changes in the Full Retirement Age

Luc Behaghel and David Blau

2010: Post-Retirement Adjustments in Defined Benefit Pensions

Charles Brown

2010: Intergenerational Transfers in the Health and Retirement Study Data

John Laitner and Amanda Sonnega

2010: The Effects of the Economic Crisis on the Older Population

Michael Hurd and Susann Rohwedder

2010: The Social Security Early Retirement Benefit as Safety Net

John Bound and Timothy Waidmann

2010: Reconciling Findings on the Employment Effect of Disability Insurance

John Bound, Stephan Lindner and Timothy Waidmann

2010: Occupational Learning, Financial Knowledge, and the Accumulation of Retirement Wealth

Brooke Helppie, Kandice A. Kapinos and Robert Willis

2010: The Effects of Medicaid and Medicare Reforms on the Elderly’s Savings and Medical Expenditures

Mariacristina De Nardi, Eric French and John Jones

2010: Personality, Lifetime Earnings, and Retirement Wealth

Angela Lee Duckworth and David R. Weir

2010: Geographic Dispersion and the Well-Being of the Elderly

Suzanne Bianchi, Kathleen McGarry and Judith Seltzer

2010: How Financial Literacy and Impatience Shape Retirement Wealth and Investment Behaviors

Justine Hastings and Olivia Mitchell

2010: How Common is "Parking" Among Social Security Disability Insurance (SSDI) Beneficiaries? Evidence from the 1999 Change in the Level of Substantial Gainful Activity (SGA)

Jody Schimmel, David C. Stapleton and Jae Song

2010: The Effect of the Risk of Out-of-Pocket Spending for Health Care on Economic Preparation for Retirement

Michael Hurd and Susann Rohwedder

2010: Cognitive Ability and Retiree Health Care Expenditure

Hanming Fang, Lauren Nicholas and Dan Silverman

2010: The Joint Labor Supply Decision of Married Couples and the Social Security Pension System

Shinichi Nishiyama

2010: The Effects of the Financial Crisis on the Well-Being of Older Americans: Evidence from the Cognitive Economics Study

Matthew Shapiro

2010: The Growth in Social Security Benefits Among the Retirement Age Population from Increases in the Cap on Covered Earnings

Alan Gustman, Thomas L. Steinmeier and Nahid Tabatabai

2010: Financial Capability in the United States: Consumer Decision-Making and the Role of Social Security

Annamaria Lusardi

2010: Mortgage Contract Decisions and Mortgage Distress: Family and Financial Life-Cycle Factors

Frank Stafford and Elena Gouskova

2010: Health and Wealth in a Life Cycle Model

John Scholz and Ananth Seshadri

2010: Financial Knowledge and Financial Literacy at the Household Level

Alan Gustman, Thomas L. Steinmeier and Nahid Tabatabai

2010: Borrowing from Yourself: The Determinants of 401(k) Loan Patterns

Timothy Jun Lu and Olivia Mitchell

2010: Participation and Contributions in Tax-deferred Retirement Accounts: Evidence from Social Security Records

Marjorie Honig and Irena Dushi

2009: Proximity and Coresidence of Adult Children and their Parents: Description and Correlates

Janice Compton and Robert Pollak

2009: Buffering Shocks to Well-Being Late in Life

Matthew Shapiro

2009: 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

Alan Gustman, Thomas L. Steinmeier and Nahid Tabatabai

2009: Mortality Contingent Claims: Impact of Capital Market, Income, and Interest Rate Risk

Wolfram Horneff and Raimond Maurer

2009: The Level and Risk of Out-of-Pocket Health Care Spending

Michael Hurd and Susann Rohwedder

2009: Marking Social Security’s Open Group Liability to Market

Paul A. Koehler and Laurence Kotlikoff

2009: Financial Literacy and Financial Sophistication in the Older Population: Evidence from the 2008 HRS

Annamaria Lusardi, Olivia Mitchell and Vilsa Curto

2009: What Replacement Rates Should Households Use?

John Scholz and Ananth Seshadri

2009: Gain and Loss: Marriage and Wealth Changes Over Time

Julie Zissimopoulos

2009: The Displacement Effect of Public Pensions on the Accumulation of Financial Assets

Michael Hurd, Pierre-Carl Michaud and Susann Rohwedder

2009: Social Security Literacy and Retirement Well-Being

Hugo Benitez-Silva, Berna Demiralp and Zhen Liu

2009: Investor Behavior and Fund Performance under a Privatized Retirement Accounts System: Evidence from Chile

Elena Krasnokutskaya and Petra Todd

2009: Income, Material Hardship, and the Use of Public Programs among the Elderly

Helen Levy

2009: Retirement in a Life Cycle Model of Labor Supply with Home Production

Richard Rogerson and Johanna Wallenius

2009: Work Disability, Work, and Justification Bias in Europe and the U.S

Arie Kapteyn, James Smith and Arthur van Soest

2009: Extending Life Cycle Models of Optimal Portfolio Choice: Integrating Flexible Work, Endogenous Retirement, and Investment Decisions with Lifetime Payouts

Jingjing Chai, Wolfram Horneff, Raimond Maurer and Olivia Mitchell

2009: The Efficiency of Pension Menus and Individual Portfolio Choice in 401(k) Pensions

Ning Tang, Olivia Mitchell, Gary R. Mottola and Stephen P. Utkus

2009: Financial Literacy among the Young

Annamaria Lusardi, Olivia Mitchell and Vilsa Curto

2009: Social Security Rules and Labor Force Participation of Older Workers: Evidence from Chile

Alejandra Cox Edwards and Estelle James

2008: How Much Do Respondents in the Health and Retirement Study Know About Their Tax-deferred Contribution Plans? A Crosscohort Comparison

Irena Dushi and Marjorie Honig

2008: Stylized Facts and Incentive Effects Related to Claiming of Retirement Benefits Based on Social Security Administration Data

Wojciech Kopczuk and Jae Song

2008: Saving among Low-Income Women: Motivation and Obstacles

Helen Levy and Kristin Seefeldt

2008: Does the Rise in the Full Retirement Age Encourage Disability Benefits Applications? Evidence from the Health and Retirement Study

Xiaoyan Li and Nicole Maestas

2008: The Optimal Design of Social Security Benefits

Shinichi Nishiyama and Kent Smetters

2008: Pension Reform in Mexico: The Evolution of Pension Fund Management Fees and their Effect on Pension Balances

Emma Aguila, Michael Hurd and Susann Rohwedder

2008: How Do Lower-Income Families Think about Retirement?

Helen Levy and Kristin Seefeldt

2008: The Labor Supply Effects of Disability Insurance Work Disincentives: Evidence from the Automatic Conversion to Retirement Benefits at Full Retirement Age

Nicole Maestas and Na Yin

2008: How Pension Rules Affect Work and Contribution Patterns: A Behavioral Model of the Chilean Privatized Pension System

Petra Todd and Viviana Vélez-Grajales

2008: Labor Market and Immigration Behavior of Middle-Aged and Elderly Mexicans

Emma Aguila and Julie Zissimopoulos

2008: Preparation for Retirement, Financial Literacy and Cognitive Resources

Adeline Delavande, Susann Rohwedder and Robert Willis

2008: Are All Americans Saving ‘Optimally’ for Retirement?

John Scholz and Ananth Seshadri

2008: Curing the Dutch Disease: Lessons for United States Disability Policy

Richard Burkhauser, Mary Daly and Philip R. de Jong

2008: 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

Richard Burkhauser, Mary Daly, Jeff Larrimore and Joyce Kwok

2008: Retirement Wealth Across Cohorts: The Role of Earnings Inequality and Pension Changes

Ann Stevens

2008: The Ability of Various Measures of Fatness to Predict Application for Disability Insurance

Richard Burkhauser, John Cawley and Maximilian Schmeiser

2008: The Adequacy of Economic Resources in Retirement

Michael Hurd and Susann Rohwedder

2008: Early Retirement, Labor Supply, and Benefit Withholding: The Role of the Social Security Earnings Test

Hugo Benitez-Silva and Frank Heiland

2008: Individuals’ Responses to Social Security Reform

Adeline Delavande and Susann Rohwedder

2008: Immigrant-Native Fertility and Mortality Differentials in the United States

Pervi Sevak and Lucie Schmidt

2008: Marital Histories and Economic Well-Being

Julie Zissimopoulos, Benjamin Karney and Amy Rauer

2008: How Does Modeling of Retirement Decisions at the Family Level Affect Estimates of the Impact of Social Security Policies on Retirement?

Alan Gustman and Thomas Steinmeier

2008: Deferred Annuities and Strategic Asset Allocation

Wolfram J. Horneff and Raimond H. Maurer

2008: The Efficiency of Pension Plan Investment Menus: Investment Choices in Defined Contribution Pension Plans

Ning Tang and Olivia Mitchell

2008: Asset Allocation and Location over the Life Cycle with Survival-Contingent Payouts

Wolfram J. Horneff, Raimond H. Maurer, Olivia S. Mitchel and Michael Z. Stamos

2008: Forecasting Labor Force Participation and Economic Resources of the Early Baby Boomers

Pierre-Carl Michaud and Susann Rohwedder

2008: Adequacy of Economic Resources in Retirement and Returns-toscale in Consumption

Michael Hurd and Susann Rohwedder

2008: Deconstructing Lifecycle Expenditure

Mark Aguiar and Erik Hurst