?> 2019 – Publication Years – MRDRC

How Would 401(k) ‘Rothification’ Alter Saving, Retirement Security, and Inequality?

The U.S. has long incentivized retirement saving in 401(k) and similar retirement accounts by permitting workers to defer taxes on contributions, levying them instead when retirees withdraw funds in retirement. This paper develops a dynamic life-cycle model to show how…

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The Growth and Geographical Variation of Nursing Home Self-Pay Prices

Nursing home care is arguably the largest financial risk for the elderly without private or social insurance coverage. The annual out-of-pocket expenditure can easily exceed $70,000. Despite the substantial financial burdens on the elderly, the understanding of nursing home self-pay…

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2019 RDRC Meeting: Changing Labor Markets and Mental Illness: Impacts on Work and Disability

A number of the most prevalent mental illnesses lead to significant cognitive dysfunction.  They can have important impacts on attention, working memory, executive function, processing speed, and social cognition. These dysfunctions translate into impairments in skills that are known to…

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Understanding Job Transitions and Retirement Expectations Using Stated Preferences for Job Characteristics

As the population ages in the United States and other countries, encouraging older individuals to work would help counter increasing dependency ratios and improve national economic outcomes. Extending working lives is likely not simply a function of improving monetary incentives.…

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