ages. Using data from both the Health and Retirement Study (HRS) and the National Financial Capability Study (NFCS), we …. When we explore the reasons for delayed retirement among older women, factors include education, more marital disruption … retirement planning include having more education and greater financial literacy. Those who report excessive amounts of debt and …

We analyze older individuals' debt and financial vulnerability using data from the Health and Retirement Study (HRS …

pensions, and Social Security profiles available at alternative retirement ages. Then we examine four specific changes in the … structure of Social Security benefits: raising the normal retirement age, delaying the cost-of-living adjustment, lowering early … retirement benefits, and increasing late retirement payments. Behavioral parameters are estimated using an ordered logit model of …

In this paper we examine the economic and family determinants of married women's retirement behavior. A model of wives …' retirement decisions is developed and tested empirically using data on working married women. Estimated response parameters are …

failed to actively elect a primary retirement plan were also far less likely to enroll in a supplemental retirement account … leave public employment, resulting in higher separation rates. This could reflect a reduction in the desirability of public … employment under the new pension design and an improving economic climate in the state. Our results imply that public pension …

longitudinal examination of pension retirement incentives in several dozen plans observed between about 1960 to 1980. The plans … under study instituted many changes over this period, several of which enhanced the financial payoff to early retirement …. These alterations included increases in benefit levels, reductions in early, normal and mandatory retirement ages, and cuts …

We investigate how the Japanese pension market for funded employment-based pensions is changing and how it might be … traditional lifetime employment contracts. Recent legislation permitting the establishment of defined contribution plans in Japan … may provide new employer-sponsored retirement plan opportunities. We first describe the Japanese pension system at the end …

In 1980, Chile dramatically reformed its retirement system, replacing what was an old insolvent PAYGO program with a … Chilean model is being re-assessed, in terms of coverage, contribution, investment, and retirement benefit outcomes. This …

result of having instituted an unfunded (pay-as-you-go) retirement system that delivered $7.9 trillion of net transfers (in …