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Of payroll taxes, bunching, and kink points

More than 65 percent of United States households pay more in payroll taxes than income taxes in a year. Yet, the vast majority of literature on the labor supply changes induced by taxation is derived from changes in income taxes,…

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Logo for National Disability Forum

Social Security announces seventh National Disability Forum

The forum, “Serving Individuals with Disabilities: Best Practices and the Modern Day Workforce,” will be held on Tuesday, August 1, 2017, 1-3 p.m. EDT. There will be two panels: “Best Practices from Other Disability Programs,” focusing on understanding best practices…

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Bar chart tracks household wealth of veterans versus nonveterans by Health and Retirement Study Cohort

Welfare of U.S. vets has declined over time, researchers find

As the face of America’s veterans change, policy, too, will adapt. In this 2015 working paper, “Declining Wealth and Work among Male Veterans in the Health and Retirement Study,” by Alan L. Gustman, Thomas L. Steinmeier, and Nahid Tabatabai Data:…

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Image of a woman balancing between retirement and work.

Health care reform hasn’t changed older workers’ labor supply—yet

Researchers have been curious about how the availability of nonemployer-tied medical insurance offered through health care reform would affect retirement. If new options, such as subsidized nongroup policies and expanded Medicaid coverage, led to shorter work lives, it could undermine…

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Bar chart compares various types of retirement assets between U.S. and English retirees.

Housing wealth differentiates English and U.S. retirement savings

Designing effective policy to influence household retirement-saving behavior requires a deeper understanding of household motivations for saving and retention of wealth, particularly at older ages. In their 2015 working paper, “Comparing Retirement Wealth Trajectories on Both Sides of the Pond,”…

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Study looks at how households adjust budgets to job loss

Common sense says that losing a job would have major effects on household budgets. Economic theory says that if a household is adequately insured, through unemployment benefits, savings, home equity, etc., it will be better able to adjust consumption and…

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Upcoming research on cognition & long-term care insurance featured in latest newsletter

Our spring newsletter is now online with coverage of the annual MRRC Workshop. bit.ly/2pCciAd 

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Figure four: Fraction of Early Retirees uninsured by income level medicaid expansion versus nonexpansion states from American Community Survey data

Health reform has reduced the number early retirees without health insurance

By age 64, more than half of all workers are retired despite the fact that Medicare doesn’t kick in for most of them until age 65. The decline of employer-sponsored health insurance for retirees means that many people who make…

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Building a better model of how retirement, health, and consumption interact

MRRC researchers John Karl Scholz and Ananth Seshadri recently built a model to look into how health and consumption intertwine, using an Euler equation to examine consumption in relation to utility. In this instance, consumption represents spending and health investments,…

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Researcher Q&A Part 2: Olivia S. Mitchell looks at why people do or don’t buy Long-Term Care Insurance

Here’s the second part of our discussion with MRRC researcher Olivia S. Mitchell on her 2015 project with Daniel Gottlieb, “Narrow Framing and Long-Term Care Insurance.” This has been edited for length and clarity. I think a lot of our readers are not…

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