Working Papers

From University of Michigan, Michigan Retirement Research Center
P.O. Box 1248, Ann Arbor, MI 48104.
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2005: Gender, Marriage, and Asset Accumulation in the United States

Lucie Schmidt and Purvi Sevak

2005: Financial Literacy and Planning: Implications for Retirement Wellbeing

Annamaria Lusardi and Olivia Mitchell

2005: Technological Progress and Worker Productivity at Different Ages

John Laitner and Dmitriy Stolyarov

2005: Does Social Security Privatization Produce Efficiency Gains?

Shinichi Nishiyama and Kent Smetters

2005: Why Not Retire? The Time and Timing Costs of Market Work

Daniel Hamermesh

2005: Estimating Life Cycle Effects of Survival Probabilities in the Health and Retirement Study

Michael Perry

2005: Will China Eat Our Lunch or Take Us to Dinner?—Simulating the Transition Paths of the U.S., E.U., Japan, and China

Hans Fehr, Sabine Jokisch, and Laurence Kotlikoff

2005: Enhancing the Quality of Data on Income and Wealth

Honggao Cao, Daniel H. Hill, F. Juster and Michael Perry

2005: Do Individual Accounts Postpone Retirement: Evidence from Chile

Estelle James and Alejandra Cox Edwards

2005: Knowledge and Preference in Reporting Financial Information

Honggao Cao and Daniel H. Hill

2005: Valuing Lost Home Production for Dual-Earner Couples

John Laitner, Christopher House and Dmitriy Stolyarov

2005: Changes in Consumption and Activities in Retirement

Michael Hurd and Susann Rohwedder

2005: Estimating Life—Cycle Parameters from Consumption Behavior at Retirement”

John Laitner and Dan Silverman

2005: The Impact of the 1972 Social Security Benefit Increase on Household Consumption

Melvin Stephens

2005: Saving Shortfalls and Delayed Retirement

Andrew Au, Olivia Mitchell and John W.R. Phillips

2005: Measuring Social Security’s Financial Problems

Jagadeesh Gokhale and Kent Smetters

2005: Social Security Privatization with Elastic Labor Supply and Second-Best Taxes

Kent Smetters

2005: Retirement, Saving, Benefit Claiming and Solvency Under A Partial System of Voluntary Personal Accounts

Alan Gustman and Thomas L. Steinmeier

2004: Using a Structural Retirement Model to Simulate the Effect of Changes to the OASDI and Medicare Programs

John Bound, Todd Stinebrickner and Timothy Waidman

2004: Obesity, Disability, and Movement Onto the Disability Insurance Rolls

Richard Burkhauser and John Cawley

2004: The Social Security Retirement Earning Test,Retirement and Benefit Claiming

Alan Gustman and Thomas L. Steimeier

2004: Grasshoppers, Ants and Pre-Retirement Wealth: A Test of Permanent Income Consumers

Erik Hurst

2004: Welfare Reform and Immigrant Participation in the Supplemental Security Income Program

Paul S. Davies and Michael J. Greenwood

2004: The Impact of Health Status and Out-of-Pocket Medical Expenditures on Annuity Valuation

Cassio Turra and Olivia Mitchell

2004: Back to Work: Expectations and Realizations of Work After Retirement

Nicole Maestas

2004: Understanding Patterns of Social Security Benefit Receipt, Pensions Incomes, Retirement and Saving by Race, Ethnicity, Gender and Marital Status: A Structural Approach

Alan Gustman and Thomas L. Steinmeier

2004: Global Aging: Issues, Answers, More Questions

Axel Börsch-Supan

2004: Correcting Second Home Equity in HRS/AHEAD: the Issues, a Method, and Preliminary Results

Honggao Cao and F. Juster

2004: Decaying Asymmetric Information and Adverse Selection in Annuities

David McCarthy

2004: The Impact of the 1996 SSI Childhood Disability Reforms: Evidence from Matched SIPP-SSA Data

Lynn A. Karoly and Paul S. Davies

2004: How to Evaluate the Effects of Social Security Policies on Retirement and Saving When Firm Policies Affect the Opportunities Facing Older Individuals

Alan Gustman and Thomas L. Steinmeier

2004: Trading with the Unborn: A New Perspective on Capital Income Taxation

Kent Smetters

2004: Economic Adjustment of Recent Retirees to Adverse Wealth Shocks

Gabor Kezdi and Purvi Sevak

2004: Random Scenario Forecasts Versus Stochastic Forecasts

Shripad Tuljapurkar, Ronald Lee and Qi Li

2004: Precautionary Saving Over the Lifecycle

John Laitner

2004: Modeling Lifetime Earnings Paths: Hypothetical versus Actual Workers

Andrew Au, Olivia Mitchell and John W. R. Phillips

2004: SSI for the Aged and the Problem of 'Take-Up'

Todd Elder and Elizabeth Powers

2004: Life, Death, and the Economy: Mortality Change in Overlapping-Generations Model

Qi Li and Shripad Tuljapurkar

2004: A Cross-National Comparison of the Employment for Men With Disabilities: The United States and Germany in the 1980s and 1990s”

Richard Burkhauser and Mathis Schröder

2004: Elderly Households and Housing Wealth: Do They Use It or Lose It?

Lina Walker

2004: The Retirement-Consumption Puzzle: Anticipated and Actual Declines in Spending at Retirement

Michael Hurd and Susann Rohwedder

2004: Payout Choices by Retirees in Chile: What Are They and Why?

Estelle James, Guillermo Martinez and Augusto Iglesias

2004: Personal Accounts and Family Retirement

Alan Gustman and Thomas L. Steinmeier

2003: Medicare Gaps and Widow Poverty

Kathleen McGarry and Robert Schoeni

2003: Early Retirement Windows

Charles Brown

2003: Betting on Death and Capital Markets in Retirement: A Shortfall Risk Analysis of Life Annuities versus Phased Withdrawal Plans

Ivica Dus, Raimond Maurer and Olivia Mitchell

2003: Expectation Formation of Older Married Couples and the Rational Expectations Hypothesis

Hugo Benitez-Silva and Debra Dwyer

2003: The Impact of Financial Education on Savings and Asset

Annamaria Lusardi

2003: The Demand for Guarantees in Social Security Personal Retirement Accounts

Olivia Mitchell and Alexander Muermann

2003: Expectations in Micro Data: Rationality Revisited

Hugo Benitez-Silva, Debra Dwyer, Wayne-Roy Gayle and Thomas J. Muench

2003: Defined Benefit Pension Plan Liabilities and International Asset Allocation

Tongxuan Yang

2003: The Social Security Reform Process in Italy: Where do We Stand?

Agar Brugiavini and Vincenzo Galasso

2003: The Impact of Poor Health Behaviors on Workforce Disability

Caroline Richardson, Jennifer T. Hanlon, Hillary J. Mull, Sandeep Vijan, Rodney Hayward, Linda A. Wray and Kenneth M. Langa

2003: Labor Supply Flexibility and Portfolio Choice: An Empirical Analysis

Hugo Benitez-Silva

2003: The Annuity Puzzle Revisited

Hugo Benitez-Silva

2003: Social Security, Retirement and Wealth: Theory and Implications

Miles Kimball and Matthew Shapiro

2003: Lifetime Earnings Variability and Retirement Wealth

Olivia Mitchell, John W. R. Phillips, Andrew Au and David McCarthy

2003: Labor Supply Responses to Social Security

John Laitner

2003: How Important Are Wages to the Elderly? Evidence from the New Beneficiary Data System and the Social Security Earnings Test

Steven Haider and David S. Loughran

2003: Mental Health and Labor Force Exits in Older Workers: The Mediating or Moderating Roles of Physical Health and Job Factors

Linda A. Wray

2003: What to Expect when you are Expecting Rationality: Testing Rational Expectations using Micro Data

Hugo Benitez-Silva and Debra Dwyer

2003: Microsimulations in the Presence of Heterogeneity

Constantijn Panis

2003: The Economic Status of Elderly Divorced Women

Steven Haider, Alison Jacknowitz and Robert Schoeni

2003: Saving for Retirement: Wage Growth and Unexpected Events

Michael Hurd and Julie Zissimopoulos

2003: Disability Benefits as Social Insurance: Tradeoffs Between Screening Stringency and Benefit Generosity in Optimal Program Design

Timothy Waidman, John Bound and Austin Nichols

2003: Widowhood, Divorce, and Loss of Health Insurance Among Near Elderly Women: Evidence from the Health and Retirement Study

David R. Weir and Robert Willis

2003: Who Becomes a Stockholder? Expectations, SUbjective Uncertainty, and Asset Allocation

Gabor Kezdi and Robert Willis

2003: Key Equations in the Tuljapurkar-Lee Model of the Social Security System

Ryan Edwards, Ronald Lee, Michael W. Anderson, Shripad Tuljapurkar and Carl Boe

2003: The German Public Pension System: How it Was, How it Will Be

Axel H. Börsch-Supan and Christina B. Wilke

2003: Retirement Effects of Proposals by the President’s Commission to Strengthen Social Security

Alan Gustman and Thomas L. Steinmeier

2003: A Lifecycle Analysis of Defined Benefit Pension Plans

David McCarthy

2003: Stochastic Forecasts of the Social Security Trust Fund

Ronald Lee, Michael W. Anderson and Shripad Tuljapurkar

2003: The Supplemental Security Income Program and Incentives to Claim Social Security Retirement Early: Empirical Evidence from Matched SIPP and Social Security Administrative Files

Elizabeth Powers and David Neumark

2003: Understanding Individual Account Guarantees

Marie-Eve Lachance and Olivia Mitchell

2003: The Impact of Diabetes on Work-force Participation: Results from a National Household Sample

Sandeep Vijan and Kenneth M. Langa