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160 Matching News Items |
| 1. |
2010 University of Michigan Retirement Research Center Conference Papers
University of Michigan Retirement Research Center [MRRC] 
Sept. 1, 2010
'Retirement, Planning, and Social Security in Interesting Times.
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| 2. |
Research Project: The Effect of Out-of-Pocket Spending for Health Care on Economic Preparation for Retirement
University of Michigan Retirement Research Center [MRRC]
Oct. 21, 2009
Excerpt: In research previously funded by the Social Security Administration through MRRC, we estimated the fraction of households aged 65-69 who were adequately prepared for retirement by finding whether their economic resources could sustain an empirically estimated life-cycle consumption path. The only source of uncertainty in the model was longevity. The level of spending by each household was affected by average spending on health care but not by health spending shocks. In the proposed research, we will explicitly take into account the risk of out-of-pocket spending on health care to find, via simulation, the fraction of households financially prepared for retirement. [UM10-18]
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| 3. |
Research Project: The Social Security Early Retirement Benefit as Safety Net (PDF)
University of Michigan Retirement Research Center [MRRC]
Oct. 20, 2009
Excerpt: This project will use the Health and Retirement Study to examine the health and economic status of those who collect Social Security early retirement benefits and will predict their behavioral reaction to an increase in the Early Entitlement Age or a change in the Full Retirement Age that reduces the value of the early retirement benefit. We would use a propensity score reweighting method to estimate who uses early retirement benefits as a safety net against deteriorating health and who might be induced to apply for disability benefits or retire without income replacement if the generosity or availability of early retirement benefits were reduced. [UM10-02]
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| 4. |
Research Project: The Effects of the Economic Crisis on Retirement and Spending
University of Michigan Retirement Research Center [MRRC]
Oct. 20, 2009
Excerpt: The United States is experiencing the greatest economic crisis since the Great Depression. Housing prices have declined, leaving many with negative equity; falling stock values have substantially reduced household net worth; high and increasing rates of job loss jeopardize the economic foundations of many families. Little is known about how these different effects are distributed in the population, and even less is known about how households and individuals adjust in the domains of actual and anticipated retirement and spending. We propose to assess, quantitatively, the effects of the economic crisis, both gross and net of household behavioral responses. [UM10-06]
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| 5. |
Research Project: Post-Retirement Adjustments in Defined Benefit Pensions
University of Michigan Retirement Research Center [MRRC]
Oct. 21, 2009
Excerpt: Few private defined benefit pension plans index benefits after a worker begins receiving them. Previous (now dated) research finds that most plans do, nonetheless, make 'voluntary' adjustments, which compensate for roughly 40% of the price increases after retirement. This project will measure actual adjustments experienced by HRS respondents, and relate them to inflation, institutional factors suggested by past research (collective bargaining, government sector), and changes in the financial conditions of the industries providing the benefits. We will examine the implication of these findings for our understanding of the adequacy of pension benefits as individuals age and for between-group differences in pension wealth. [UM10-17]
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| 6. |
Research Brief: Changes in Consumption and Activities in Retirement (PDF)
University of Michigan Retirement Research Center [MRRC]
Jan. 27, 2006
2 pages. Excerpt: Economists have used the term retirement-consumption puzzle to refer to the finding that individuals seem to reach retirement not adequately prepared and appear to reduce spending in response. Following workers over time, this study shows that fewer than half of those who retire recollect a spending decline at retirement. Actual spending change also does not decline at retirement.
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| 7. |
Research Brief: Why Not Retire? The Time and Timing Costs of Market Work (PDF)
University of Michigan Retirement Research Center [MRRC]
Nov. 18, 2005
2 pages. Excerpt: Overall, the results suggest that market work imposes significant constraints on those who choose it, constraints that increase the incentives for complete retirement rather than a gradual reduction in market hours as people become eligible for public and/or private pensions.
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| 8. |
Research Details: Efficiency Gains and Social Security Reform
Michigan Retirement Research Center, University of Michigan
Sept. 8, 2005
Excerpt: This project has two parts. First, it proposes to generalize existing retirement models to include health and employer constraints as well as worker choice. Second, it proposes to present and analyze a Social Security reform designed to promote efficiency.
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| 9. |
Research Details: Designing Optimal Pension Payouts Using Life Annuities and Phased Withdrawals
Michigan Retirement Research Center, University of Michigan
Feb. 2, 2007
Excerpt: This research project will evaluate the key risk and return trade-offs of alternative ways of handling the payout phase of a defined contribution or Social Security personal account. This project will compare these outcomes for a life annuity versus a phased withdrawal.
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| 10. |
Research Brief: Simulating the Effect of Changes to the OASDI and Medicare Programs (PDF)
University of Michigan Retirement Research Center [MRRC]
Aug. 17, 2005
2 pages. Excerpt: In this paper, [the authors] report estimates of a dynamic programming model that addresses the interplay among health, financial resources, and the labor market behavior of men nearing retirement age.
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| 11. |
Research Project: Should You Borrow from Yourself? The Determinants and Effects of 401(k) Loans
University of Michigan Retirement Research Center [MRRC]
Oct. 20, 2009
Excerpt: This project proposes to evaluate the economic rationale for 401(k) plan loans and the empirical determinants of loan patterns. We will show how plan design and participant characteristics contribute to borrowing from one's pension, as well as default and repayment behavior. This research will be useful to employers in developing plan design, and also to employees seeking to enhance their retirement preparedness. [UM10-10]
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| 12. |
Research Project: The Joint Decision Making of Married Couples and the Social Security Pension System
University of Michigan Retirement Research Center [MRRC]
Oct. 21, 2009
Excerpt: The current OASI program redistributes resources from high-wage workers to low-wage workers, and from two-earner couples to one-earner couples. However, previous dynamic general equilibrium analyses of Social Security mostly assume 'unisex' individuals, to alleviate complexities in modeling, and they do not consider the redistribution between one-earner and two-earner households. In this project, we extend a standard general equilibrium OLG model with heterogeneous agents, quantitatively analyze the effect of spousal and survivor benefits on the labor supply of married couples, and examine whether the government can improve economic efficiency and social welfare. [UM10-23]
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| 13. |
Research Details: Market-based Guarantees in Investment-linked Decumulation Pension Programs: Pricing, Risk Management, and Financial Well-being for Retirees
University of Michigan Retirement Research Center [MRRC]
Jan. 13, 2009
Excerpt: Some policy analysts have voiced concerns that financially inexperienced individuals may fare poorly in personal retirement accounts, to the extent that they do not fully understand the risks associated with investments as well as spending options. One way to possibly overcome such potential risks would be to incorporate income or rate of return guarantees into defined contribution private-account type plans. Such guarantees could be provided by the government or by private markets, during the accumulation as well the decumulation phase. This project will study various ways of designing such guarantees and evaluate their economic consequences in terms of pricing, risk management, and consumption and saving patterns within a lifetime utility framework. [UM09-12]
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| 14. |
A Dynamic Model of Retirement and Social Security Reform Expectations (PDF)
Michigan Retirement Research Center, University of Michigan
Oct. 24, 2006
38 pages. Excerpt: Researchers ... have rarely modeled the uncertainty over Social Security reform and benefit levels, and how they affect claiming behavior and retirement. The purpose of this paper is to assess the extent to which these perceptions of future cuts might explain the puzzle of earlier take-up despite bigger penalties to doing so in the presence of increasing longevity.
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| 15. |
Papers from the 'Challenges and Solutions for Retirement Security' Conference Held August 9-10, 2007
University of Michigan Retirement Research Center [MRRC]
Oct. 11, 2007
The target site provides links to the papers presented at the conference sponsored by the Office of Policy, Social Security Administration and the Retirement Research Consortium. Topic areas covered include the following: Recent Empirical Evidence on Retirement and Retiree Behavior; Demographic Changes and Family Behavior; Preparedness for Retirement: Managing Financial and Mortality Risk; Preparedness for Retirement: Private Pensions; Measuring Well-being in Retirement; Examining the Motives and Reasons for Retirement; How Health Influences Retiree Well-Being; and, Retirement Behavior Now and In the Future.
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| 16. |
WP: Elimination of Earnings Test above Normal Retirement Age -- Effect on Retirement Expectations (PDF)
Michigan Retirement Research Center, University of Michigan
Oct. 24, 2006
45 pages. Excerpt: Using panel data models and the seven available waves of the Health and Retirement Study, [the authors] look at the effect of the 2000 repeal of the earnings test above the normal retirement age on retirement expectations of workers aged 51 to 61 – their probabilities to work past age 62 and 65 as well as the age at which they expect to start claiming old age social security benefits.
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| 17. |
Adequacy of Economic Resources in Retirement and Returns-to-Scale in Consumption
Michigan Retirement Research Center, University of Michigan
June 3, 2008
Excerpt: Most assessments of the adequacy of retirement resources are expressed as a comparison of preretirement income to immediate post-retirement income. Yet, among couples a substantial fraction of retirement years is eventually spent by the surviving spouse living alone. To the extent that singles need less than couples to maintain the same standard of living, assessments of the adequacy of economic resources that make no adjustment for widowing will systematically misstate economic preparation.
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| 18. |
The Effect of a Husband's Retirement on His Wife's Health Insurance Coverage (PDF)
Michigan Retirement Research Center, University of Michigan
Oct. 11, 2006
38 pages. Excerpt: This paper studies a panel of married couples from the 1992-2004 waves of the Health and Retirement Study (HRS) to study the types of health insurance decisions households make around the time of retirement. Results indicate that households seem to do well at avoiding uninsurance at the time of retirement, but may make high cost choices in order to insure the wife.
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| 19. |
Retirement, Saving, Benefit Claiming and Solvency under a Partial System of Voluntary Personal Accts (PDF)
Michigan Retirement Research Center, University of Michigan
Nov. 14, 2005
30 pages. Excerpt: This paper is based on a structural model of retirement and saving, estimated with data for a sample of married men in the Health and Retirement Study. The model simulates how various features of a system of personal Social Security accounts jointly affects retirement, saving, the choice of whether benefits are taken as an annuity or lump sum, taxes paid and the course of benefits with age.
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| 20. |
Projecting Behavioral Responses to the Next Generation of Retirement Policies
Michigan Retirement Research Center, University of Michigan
Mar. 26, 2007
Excerpt: This [71-page] paper examines retirement and related behavioral responses to policies that on average are actuarially neutral. Many conventional models predict that actuarially neutral policies will not affect retirement behavior. In contrast, our model allows those with high time preference rates to find that the promise of an actuarially fair increase in future rewards does not balance the loss from foregone current benefits.
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