Trends in Health and Mortality Inequalities in the United States

Recent literature has documented a widening gap in mortality in the United States between individuals with high socioeconomic status (SES) and low SES. An important question is whether this trend will continue. In this paper we document trends and inequalities…

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Nursing Homes in Equilibrium: Implications for Long-term Care Policies

Long-term care is one of the most significant risks Americans face in late life. About a third of Americans older than age 70 need help with Activities of Daily Living, requiring either a nursing home or community- and home-based care.…

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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 – but these policies vary in how well they protect against the risk of high…

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Underfunded Public Sector Pension Plans, Social Security Participation, and the Retirement Decisions of Public Employees

Abstract: This research compares the retirement choices and economic well-being of public sector employees who are covered by Social Security to those who are uncovered. I use a data set of public employees from 12 waves of the HRS that…

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Wealthy, educated retirees benefit from tax-advantaged retirement savings

Tax-advantaged savings plans—such as IRAs, Keogh, 401ks—have a significant tax cost. Understanding their roles and effectiveness in retirement funding is crucial to assessing whether their benefits outweigh their price. Until fairly recently, measuring these accounts’ economic impact was difficult because…

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Tracking the elusive irregular IRA withdrawal

If Michael Hurd, Erik Meijer, Philip Pantoja, and Susann Rohwedder’s “Addition to the RAND HRS Longitudinal Files: IRA Withdrawals in the HRS, 2000-2014” were a home improvement project, the researchers would have put up spacious bookshelves in the Health and…

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