The Changing Nature of Work

We provide new evidence on the changing nature of work and its influence on individuals’ capacity to work by linking historical measures of occupational job demands with harmonized data on individual abilities from a unique survey conducted in the RAND…

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The Immediate Impacts of Coronavirus on American’s Economic Security

The ongoing COVID-19 pandemic has caused an unprecedented, abrupt, and stark reduction in economic activity. This project will examine how the pandemic is affecting American’s financial well-being using previous, ongoing, and soon to be fielded Understanding America Study surveys that…

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Saving Regret: Self-assessed Life-cycle Saving Behavior in the U.S. and Singapore

Based on the belief that many people have under-saved and that the reason for under-saving is procrastination, paternalistic nudging to foster saving is often advocated by policy researchers. However, there is little empirical evidence that on hindsight individuals would wish…

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Cognitive Ability, Cognitive Aging, and Debt Accumulation

In the past few decades, financial products target to consumers have become increasingly complex and recent evidence suggests that older adults are entering retirement with more debt than previous generations. We examine how cognitive ability is related to debt burdens…

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The Risk of High Out-of-Pocket Health Spending among Older Americans

Traditional Medicare imposes significant cost-sharing on beneficiaries. Most but not all beneficiaries obtain supplemental insurance through Medigap, Medicare Advantage, Medicaid, or employer-sponsored retiree coverage, which may vary in how well they protect against the risk of high spending. This paper…

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Mixed-methods Analysis of Consumer Fraud Reports of the Social Security Imposter Scam

In 2019 the Federal Trade Commission (FTC) received more than 166,000 consumer fraud reports about Social Security imposter scams.1 Reported losses from April 2018 to May 2019 were $19 million, overtaking the highest annual period of losses reported for the…

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Assessing the Economic Impact Payment in the Older Population

This project will use data collected by the Health and Retirement Study in its 2020 wave to study awareness and impact of the Economic Impact Payment stimulus on different groups of older Americans during the coronavirus pandemic.

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Contextual and Social Predictors of Scam Susceptibility and Fraud Victimization

This study aims to identify the contextual and social predictors of elder fraud victimization. By identifying the mechanisms and timing of susceptibility, the study will inform the delivery of targeted interventions that reduce fraud vulnerability and prevent victimization.

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What We Talk about When We Talk about Self-employment: Examining Self-employment and the Transition to Retirement among Older Adults in the United States

Many older adults engage in self-employment, yet little is known about the nature of these activities, which can range from occasional gig employment to contract work to business ownership, their implications for income and economic security, work and retirement, and…

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Heterogeneity in Household Spending and Well-being on Retirement

Understanding how households’ living standards transition as they move into and through retirement is crucial for the design of Social Security. A key indicator of whether households have adequately saved to maintain living standards in retirement is how their consumption…

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