Risk of Large Medical Expenditures at Older Ages and Their Impact on Economic Well-being

We study out-of-pocket (OOP) medical expenditure risk of the U.S. population ages 55 and older using data from the Health and Retirement Study and its supplemental survey on household spending. We document trends in individual-level OOP spending from 1998 to…

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Retirement Pensions and Disability Insurance for the 21st Century

This project estimates the degree of disability risk among the United States and English over-50 populations. Using a disability measure that closely matches the criteria used by English and U.S. disability systems, we find both higher levels of disability in…

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Bridging Employment for Older Workers and the Role of Flexible Scheduling Arrangements

We conduct a series of stated preference experiments to determine the willingness of hiring and human resource managers to pay for certain job attributes. A cross section of U.S. hiring managers were given experimental vignettes about an existing employee or…

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Work and Retirement of Older Black and Hispanic Adults

Growing U.S. income inequality and the aging of Black and Hispanic populations point to greater risks of financial insecurity for older populations in coming years. Research on retirement determinants for Blacks and Hispanics is limited. Using data from the Health…

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The Impacts of the Social Security Statement Redesign on People’s Knowledge and Behavioral Intentions: A Survey Experiment

Social Security information can be complex but is crucial for financial planning. The Social Security Statement, which was recently redesigned, aims to better inform the public. We assess the impact of the Statement’s redesign on people’s understanding of Social Security,…

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