The Impact of Growing Health and Mortality Inequalities on Lifetime Social Security Payouts

The prevalence of obesity, diabetes, and other health problems has increased in recent decades in the United States, and there is a growing gap between the health and longevity of individuals with high socioeconomic status (SES) and low SES. These…

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Which Households Benefit from Delayed Claiming?

Using administrative data, this project will quantify the incentive and equity effects of the Social Security survivor benefit. The project will first analyze incentive effects on the timing of initial claiming of retired-worker benefits by both spouses. The survivor benefit…

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Is the Adjustment of Benefits Actuarially Fair?

Adjustments to benefits for individuals who delay claiming are designed to reward work and ensure equitable treatment between those who delay and those who claim early. Over the past 20 years, Social Security claiming ages have increased and become more…

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How Would 401(k) Rothification Influence Consumption, Saving, and Social Security Claiming Behavior?

The US incentivizes retirement saving in 401(k) and similar retirement accounts by permitting workers to defer taxes on contributions; taxes are then levied only when retirees withdraw their funds. Yet the Treasury foregoes over $100B/year due to tax-deferred contributions to…

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