<?xml version="1.0" encoding="UTF-8"?>
<?xml-stylesheet type="text/xsl" href="https://mrdrc.isr.umich.edu/wp-sitemap.xsl" ?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"><url><loc>https://mrdrc.isr.umich.edu/project/assessing-the-impact-of-changes-in-the-early-social-security-retirement-age/</loc><lastmod>2024-04-10T15:50:44-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/social-security-acceptance-pension-acceptance-retirement-dynamics-and-wealth-accumulation/</loc><lastmod>2024-04-10T15:50:45-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/tracking-the-income-of-individuals-applying-for-disability-insurance/</loc><lastmod>2024-04-10T15:50:45-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/redistribution-under-the-social-security-benefit-formula-based-on-intermittent-work-history-versus-low-wage-rates/</loc><lastmod>2024-04-10T15:50:46-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-impact-of-widowhood-on-the-economic-status-of-women/</loc><lastmod>2024-04-10T15:50:47-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/spouse-and-survivor-benefits-use-rates-with-earnings-related-marriage-divorce-and-assortative-mating/</loc><lastmod>2024-04-10T15:50:47-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/stochastic-modeling-of-the-dynamics-of-oasdi/</loc><lastmod>2024-04-10T15:50:48-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/risk-sharing-under-alternative-social-security-reform-proposals/</loc><lastmod>2024-04-10T15:50:48-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/health-limitations-and-early-retirement/</loc><lastmod>2024-04-10T15:50:49-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/critical-literature-review-on-the-evidence-that-employer-matching-contributions-to-defined-contribution-plans-increases-employee-participation-in-and-contributions-to-such-plans/</loc><lastmod>2024-04-10T15:50:49-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/social-security-and-retirement-behavior-within-the-family-economic-estimate-of-a-structural-model-using-hrs-employer-provided-pension-data-and-social-security-earnings-records/</loc><lastmod>2024-04-10T15:50:50-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/saving-for-retirement-implications-of-household-bargaining-for-social-security-and-tax-reform/</loc><lastmod>2024-04-10T15:50:51-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/stochastic-modeling-of-the-dynamics-of-oasdi-characteristics-of-cohort-experience-and-aspects-of-risk/</loc><lastmod>2024-04-10T15:50:51-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/implications-of-cognitive-and-physical-impairment-for-management-of-financial-resources-including-individual-accounts/</loc><lastmod>2024-04-10T15:50:52-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/mortality-risk-and-early-retirement/</loc><lastmod>2024-04-10T15:50:52-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/applications-denials-and-appeals-for-social-security-disability-insurance/</loc><lastmod>2024-04-10T15:50:53-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/imperfect-knowledge-retirement-and-savings/</loc><lastmod>2024-04-10T15:50:54-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/families-markets-and-social-insurance/</loc><lastmod>2024-04-10T15:50:54-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-role-of-social-security-transfer-programs-in-protecting-older-people-transitioning-into-retirement-and-widowhood-a-cross-national-perspective/</loc><lastmod>2024-04-10T15:50:55-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/modeling-the-macroeconomic-implications-of-social-security-reform/</loc><lastmod>2024-04-10T15:50:55-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/disability-benefits-as-social-insurance-valuing-changes-in-di-benefit-generosity/</loc><lastmod>2024-04-10T15:51:00-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/disability-benefits-as-social-insurance-tradeoffs-between-screening-stringency-and-benefit-generosity-in-optimal-program-design/</loc><lastmod>2024-04-10T15:51:00-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/dissertation-research-wealth-shocks-and-retirement-timing/</loc><lastmod>2024-04-10T15:51:01-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/dropping-out-of-social-security/</loc><lastmod>2024-04-10T15:51:01-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/an-analysis-of-the-impact-of-varying-the-social-security-early-entitlement-age-and-normal-retirement-age-in-a-structural-model-of-retirement-wealth/</loc><lastmod>2024-04-10T15:51:02-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/stochastic-modeling-of-the-dynamics-of-oasdi-evaluation-of-policy-alternatives-and-behavioral-responses/</loc><lastmod>2024-04-10T15:51:03-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/early-retirement-windows/</loc><lastmod>2024-04-10T15:51:03-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/modeling-the-dynamic-macroeconomic-consequences-of-social-security-reform/</loc><lastmod>2024-04-10T15:51:04-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/health-wealth-and-gender-do-health-shocks-of-husbands-and-wives-have-different-impacts-on-household-wealth/</loc><lastmod>2024-04-10T15:51:04-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/mental-health-and-labor-force-exits-the-mediating-or-moderating-roles-of-physical-health-and-job-factors/</loc><lastmod>2024-04-10T15:51:05-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/improving-modeling-behavioral-response-to-policy-change-mircosimulation-in-the-presence-of-heterogeneity/</loc><lastmod>2024-04-10T15:51:08-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-impact-of-social-security-and-medicare-on-retirement-incentives-exploiting-variation-in-coverage/</loc><lastmod>2024-04-10T15:51:09-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/website-access-to-stochastic-dynamic-model-of-oasdi/</loc><lastmod>2024-04-10T15:51:09-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/implications-of-chronic-health-conditions-on-work-force-participation-disability-retirement-caregiving-and-lost-productivity/</loc><lastmod>2024-04-10T15:51:10-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-influence-of-lifetime-earning-variance-on-retirement-wealth/</loc><lastmod>2024-04-10T15:51:10-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-annuity-puzzle-revisited-implications-for-social-security-reform/</loc><lastmod>2024-04-10T15:51:11-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/using-the-health-and-retirement-study-to-simulate-the-effects-of-voluntary-and-mandatory-systems-of-social-security-privatization/</loc><lastmod>2024-04-10T15:51:11-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/endogenous-labor-supply-responses-to-social-security-reform/</loc><lastmod>2024-04-10T15:51:12-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/subjective-probability-distributions-and-the-decision-to-save/</loc><lastmod>2024-04-10T15:51:12-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/saving-for-retirement-wage-growth-and-unexpected-events/</loc><lastmod>2024-04-10T15:51:13-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/a-structural-model-of-the-family-that-jointly-explains-retirement-and-saving-behavior-with-analyses-of-the-effects-of-current-and-proposed-social-security-policies-in-a-family-context/</loc><lastmod>2024-04-10T15:51:20-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/early-retirement-windows-year-2/</loc><lastmod>2024-04-10T15:51:21-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/understanding-poverty-among-elderly-divorced-women/</loc><lastmod>2024-04-10T15:51:21-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/how-important-are-wages-to-the-elderly/</loc><lastmod>2024-04-10T15:51:22-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-retirement-elasticity-theory-and-implications/</loc><lastmod>2024-04-10T15:51:23-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/dynamic-retirement-expectations-using-the-health-and-retirement-study/</loc><lastmod>2024-04-10T15:51:23-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/implications-of-high-risk-health-behaviors-on-work-force-participation-disability-retirement-and-lost-productivity/</loc><lastmod>2024-04-10T15:51:24-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/multiple-program-use-by-older-americans-social-security-early-retirement-and-supplemental-security-income/</loc><lastmod>2024-04-10T15:51:24-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/welfare-reform-and-immigrant-participation-in-the-ssi-program/</loc><lastmod>2024-04-10T15:51:25-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/representative-versus-actual-lifetime-earnings-trajectories/</loc><lastmod>2024-04-10T15:51:27-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/defined-benefit-pension-plans-a-stochastic-dynamic-programming-approach/</loc><lastmod>2024-04-10T15:51:28-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/guaranteeing-defined-contribution-pensions-the-option-to-buy-back-a-defined-benefit-promise/</loc><lastmod>2024-04-10T15:51:28-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/ensuring-time-series-consistency-in-estimates-of-income-and-wealth/</loc><lastmod>2024-04-10T15:51:29-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/papers-on-international-social-insurance-program-reform/</loc><lastmod>2024-04-10T15:51:30-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/lifetime-uncertainty-and-social-security-reform/</loc><lastmod>2024-04-10T15:51:30-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/how-to-evaluate-the-effects-of-social-security-policies-on-retirement-and-saving-when-firm-policies-affect-the-opportunities-facing-older-individuals/</loc><lastmod>2024-04-10T15:51:31-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/characteristics-of-and-determinants-of-the-density-of-contributions-in-a-private-social-security-system/</loc><lastmod>2024-04-10T15:51:31-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/how-attractive-are-guarantees-in-social-security-personal-retirement-accounts/</loc><lastmod>2024-04-10T15:51:32-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-impact-of-financial-education-on-savings-and-asset-allocation/</loc><lastmod>2024-04-10T15:51:32-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/how-will-the-annuities-market-develop-if-social-security-includes-individual-accounts-the-case-of-chile/</loc><lastmod>2024-04-10T15:51:33-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/changes-in-income-wealth-or-medical-expenses-a-new-look-at-the-causes-of-poverty-among-widows/</loc><lastmod>2024-04-10T15:51:39-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/labor-supply-flexibility-and-portfolio-decisions-of-older-americans/</loc><lastmod>2024-04-10T15:51:39-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/consumption-and-time-use-before-and-after-retirement/</loc><lastmod>2024-04-10T15:51:40-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/household-retirement-expectations-social-security-reform-and-savings-adequacy/</loc><lastmod>2024-04-10T15:51:41-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/welfare-measures-in-a-stochastic-production-economy-with-overlapping-generations-an-application-to-social-security-reform/</loc><lastmod>2024-04-10T15:51:41-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/understanding-patterns-of-social-security-benefit-receipt-pensions-incomes-retirement-and-saving-by-race-ethnicity-gender-and-marital-status-a-structured-approach/</loc><lastmod>2024-04-10T15:51:42-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/take-up-of-the-supplemental-security-income-program-by-the-low-income-elderly-interactions-with-the-social-security-system/</loc><lastmod>2024-04-10T15:51:42-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/back-to-work-trends-in-post-retirement-employment/</loc><lastmod>2024-04-10T15:51:43-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/impact-of-the-1996-ssi-childhood-disability-reforms-on-affected-children-and-families/</loc><lastmod>2024-04-10T15:51:44-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/dissertation-research-elderly-households-and-housing-wealth-do-they-use-it-or-lose-it/</loc><lastmod>2024-04-10T15:51:44-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/dissertation-research-defined-benefit-pension-plan-liabilities-and-international-asset-allocation/</loc><lastmod>2024-04-10T15:51:45-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/dissertation-research-the-employment-of-working-age-people-with-disabilities-a-comparison-of-psid-and-cps-results/</loc><lastmod>2024-04-10T15:51:45-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/stochastic-modeling-of-trust-fund-using-assumptions-from-2002-oasdi-trustees-report/</loc><lastmod>2024-04-10T15:51:46-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/jr-scholar-research-do-the-newly-retired-adjust-their-consumption-or-labor-supply-when-their-retirement-wealth-drops/</loc><lastmod>2024-04-10T15:51:46-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/jr-scholar-research-testing-for-adverse-selection-in-south-african-annuitant-data/</loc><lastmod>2024-04-10T15:51:47-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-social-security-retirement-earnings-test-retirement-benefit-claiming-and-the-effects-of-abolishing-the-earnings-test-with-and-without-individual-accounts/</loc><lastmod>2024-04-10T15:51:47-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/pareto-improving-personal-accounts/</loc><lastmod>2024-04-10T15:51:48-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/health-and-annuities-for-the-older-population/</loc><lastmod>2024-04-10T15:51:48-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/evaluating-social-securitys-liabilities/</loc><lastmod>2024-04-10T15:51:49-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-impact-of-the-1972-social-security-increase-on-household-consumption/</loc><lastmod>2024-04-10T15:51:49-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/using-a-structural-retirement-model-to-simulate-the-effect-of-changes-to-the-oasdi-and-medicare-programs/</loc><lastmod>2024-04-10T15:51:53-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/do-individual-retirement-account-systems-postpone-retirement-evidence-from-chile/</loc><lastmod>2024-04-10T15:51:53-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/obesity-disability-and-the-movement-onto-the-di-and-ssi-rolls/</loc><lastmod>2024-04-10T15:51:54-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/continued-development-and-public-dissemination-of-rand-hrs-data/</loc><lastmod>2024-04-10T15:51:55-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/development-of-a-longitudinally-consistent-dataset-for-the-health-and-retirement-study/</loc><lastmod>2024-04-10T15:51:55-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/secure-data-environment-and-development-of-remote-data-access-facilities/</loc><lastmod>2024-04-10T15:51:56-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/self-annuitization-in-personal-accounts-perspectives-from-the-german-experience/</loc><lastmod>2024-04-10T15:51:56-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/changes-in-consumption-and-activities-in-retirement/</loc><lastmod>2024-04-10T15:51:57-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/life-cycle-saving-in-dual-earner-households/</loc><lastmod>2024-04-10T15:51:57-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/how-retirement-wealth-shortfalls-change-with-age/</loc><lastmod>2024-04-10T15:51:58-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/research-agenda-for-global-aging/</loc><lastmod>2024-04-10T15:51:58-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/household-propensities-to-plan-for-retirement-a-life-cycle-analysis/</loc><lastmod>2024-04-10T15:51:59-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/social-security-eligibility-benefit-levels-and-replacement-rates-in-the-hrs/</loc><lastmod>2024-04-10T15:51:59-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/retirement-saving-benefit-claiming-and-solvency-under-a-partial-system-of-voluntary-personal-accounts/</loc><lastmod>2024-04-10T15:52:00-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/understanding-global-aging/</loc><lastmod>2024-04-10T15:52:01-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/technological-progress-and-worker-productivity-at-different-ages/</loc><lastmod>2024-04-10T15:52:01-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/social-security-and-retirement-dynamics/</loc><lastmod>2024-04-10T15:52:02-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/enhancing-data-quality-through-longitudinal-imputation-studies-of-the-income-and-asset-data-from-hrs-and-ahead/</loc><lastmod>2024-04-10T15:52:03-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/secure-data-environment-and-development-of-remote-data-access-facilities-2/</loc><lastmod>2024-04-10T15:52:04-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/consumption-and-economic-well-being-at-older-ages/</loc><lastmod>2024-04-10T15:52:05-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/planning-financial-literacy-and-retirement-wealth/</loc><lastmod>2024-04-10T15:52:13-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-impact-of-misperceptions-about-social-security-on-saving-and-well-being/</loc><lastmod>2024-04-10T15:52:13-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-role-of-conventional-retirement-age-in-retirement-decisions/</loc><lastmod>2024-04-10T15:52:14-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/gender-marriage-and-asset-accumulation-in-the-united-states/</loc><lastmod>2024-04-10T15:52:14-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/how-to-integrate-disability-benefits-into-a-system-with-individual-accounts-the-chilean-model/</loc><lastmod>2024-04-10T15:52:15-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/savings-portfolio-choice-and-retirement/</loc><lastmod>2024-04-10T15:52:15-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/personal-social-security-accounts-quantifying-the-macro-and-efficiency-effects/</loc><lastmod>2024-04-10T15:52:16-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/changing-health-insurance-options-and-ssi-participation-among-the-elderly/</loc><lastmod>2024-04-10T15:52:16-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/market-and-non-market-activities-of-older-americans/</loc><lastmod>2024-04-10T15:52:17-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/efficiency-gains-and-social-security-reform/</loc><lastmod>2024-04-10T15:52:18-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/estimating-the-life-cycle-effects-of-subjective-survival-probabilities-in-the-health-and-retirement-study/</loc><lastmod>2024-04-10T15:52:18-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/trading-behavior-in-401k-plans/</loc><lastmod>2024-04-10T15:52:19-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-role-of-health-insurance-in-unretirement-decisions/</loc><lastmod>2024-04-10T15:52:19-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/enhancing-the-quality-of-data-on-income-and-wealth/</loc><lastmod>2024-04-10T15:52:20-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/how-changes-in-social-security-affect-retirement-trends/</loc><lastmod>2024-04-10T15:52:20-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/alternative-measures-of-replacement-rates/</loc><lastmod>2024-04-10T15:52:21-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/household-savings-and-retirement-expectations-and-realizations/</loc><lastmod>2024-04-10T15:52:22-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/planning-and-financial-literacy-how-do-women-fare/</loc><lastmod>2024-04-10T15:52:22-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/trading-behavior-in-personal-accounts-lessons-from-401k-pension-participants/</loc><lastmod>2024-04-10T15:52:23-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/personal-social-security-accounts-quantifying-the-macro-and-efficiency-effects-ii/</loc><lastmod>2024-04-10T15:52:23-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/labor-supply-of-older-americans-effects-of-tax-rates-and-tax-treatment-of-pension-and-social-security-income/</loc><lastmod>2024-04-10T15:52:28-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/probabilistic-thinking-and-early-social-security-claiming/</loc><lastmod>2024-04-10T15:52:29-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/home-production-by-dual-earner-couples-and-consumption-during-retirement/</loc><lastmod>2024-04-10T15:52:29-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/designing-optimal-pension-payouts-using-life-annuities-and-phased-withdrawals-a-portfolio-approach/</loc><lastmod>2024-04-10T15:52:30-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/financial-risk-retirement-saving-and-investment/</loc><lastmod>2024-04-10T15:52:31-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-effect-of-abolishing-the-earnings-test-on-labor-market-behavior-before-age-65/</loc><lastmod>2024-04-10T15:52:31-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/pathways-to-bad-retirement-outcomes/</loc><lastmod>2024-04-10T15:52:32-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-role-of-spousal-health-insurance-provision-in-retirement-decisions/</loc><lastmod>2024-04-10T15:52:33-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/assessing-the-risks-and-the-costs-of-the-risks-posed-by-social-securitys-potential-insolvency/</loc><lastmod>2024-04-10T15:52:33-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/evaluating-social-security-reforms-using-probabilistic-population-forecasts-in-a-life-cycle-model-of-social-insurance/</loc><lastmod>2024-04-10T15:52:34-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/health-risk-in-retirement-and-retirement-wealth/</loc><lastmod>2024-04-10T15:52:34-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/who-annuitizes-and-how-do-system-rules-shape-these-choices-the-case-of-chile/</loc><lastmod>2024-04-10T15:52:35-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/retirement-savings-portfolio-management/</loc><lastmod>2024-04-10T15:52:35-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/rising-economic-risk-and-the-labor-supply-of-older-workers/</loc><lastmod>2024-04-10T15:52:36-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-dynamics-of-work-related-health-and-labor-market-status-an-international-comparison/</loc><lastmod>2024-04-10T15:52:36-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/using-new-measures-of-fatness-to-improve-estimates-of-early-entry-onto-the-oasi-rolls/</loc><lastmod>2024-04-10T15:52:37-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/experimental-analysis-of-delayed-social-security-claiming/</loc><lastmod>2024-04-10T15:52:38-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/a-longitudinal-analysis-of-entry-of-the-low-income-elderly-into-the-supplemental-security-income-program/</loc><lastmod>2024-04-10T15:52:38-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/a-model-of-unretirement/</loc><lastmod>2024-04-10T15:52:39-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/managing-the-risk-of-life/</loc><lastmod>2024-04-10T15:52:39-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/are-40lk-saving-rates-changing-cohort-period-evidence-from-the-hrs/</loc><lastmod>2024-04-10T15:52:43-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/extra-help-take-up-of-the-social-security-administrations-low-income-subsidy-program-for-part-d-of-medicare-in-2006/</loc><lastmod>2024-04-10T15:52:44-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/adequacy-of-economic-resources-in-retirement-and-returns-to-scale-in-consumption/</loc><lastmod>2024-04-10T15:52:44-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/estimating-the-health-effects-of-changes-in-retirement-age/</loc><lastmod>2024-04-10T15:52:45-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/how-do-immigrants-fare-in-retirement/</loc><lastmod>2024-04-10T15:52:45-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/planning-and-financial-literacy-among-us-households-new-evidence-from-the-rand-internet-panel/</loc><lastmod>2024-04-10T15:52:46-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/investment-patterns-and-trading-behavior-in-401k-pension-accounts/</loc><lastmod>2024-04-10T15:52:46-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/children-and-household-wealth/</loc><lastmod>2024-04-10T15:52:47-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-effects-of-health-insurance-and-self-insurance-on-retirement-behavior/</loc><lastmod>2024-04-10T15:52:47-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/work-and-retirement-choices-of-men-the-impact-of-social-security-rules-in-chile/</loc><lastmod>2024-04-10T15:52:48-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/trends-in-the-labor-force-participation-of-married-women/</loc><lastmod>2024-04-10T15:52:48-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/private-pensions-and-decisions-of-when-to-retire/</loc><lastmod>2024-04-10T15:52:49-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-role-of-fixed-and-variable-annuities-in-life-cycle-asset-allocation/</loc><lastmod>2024-04-10T15:52:49-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/a-cross-national-comparison-of-self-employment-dynamics-at-older-ages/</loc><lastmod>2024-04-10T15:52:50-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/errors-in-subjective-survival-probabilities-prevalence-and-behavioral-responses/</loc><lastmod>2024-04-10T15:52:51-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/housing-prices-bubbles-and-retirement-timing/</loc><lastmod>2024-04-10T15:52:51-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/forecasting-labor-force-participation-and-economic-resources-of-the-early-baby-boomers/</loc><lastmod>2024-04-10T15:52:52-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/are-all-americans-saving-adequately-for-retirement/</loc><lastmod>2024-04-10T15:52:52-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/immigrant-native-fertility-and-mortality-differentials-in-the-united-states/</loc><lastmod>2024-04-10T15:52:53-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/how-does-modeling-of-retirement-decisions-at-the-family-level-affect-estimates-of-the-impact-of-social-security-policies-on-retirement/</loc><lastmod>2024-04-10T15:52:53-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-effect-of-medicare-and-social-security-benefits-on-the-timing-of-retirement/</loc><lastmod>2024-04-10T15:52:57-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/how-much-do-respondents-in-the-health-and-retirement-study-know-about-their-401ks-a-cross-cohort-comparison/</loc><lastmod>2024-04-10T15:52:58-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/time-expenditure-and-retirement-decisions/</loc><lastmod>2024-04-10T15:52:58-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/early-social-security-claiming-and-cognitive-resources/</loc><lastmod>2024-04-10T15:52:59-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/individuals-uncertainty-about-their-future-social-security-benefits/</loc><lastmod>2024-04-10T15:52:59-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/early-retirement-labor-supply-and-benefit-withholding/</loc><lastmod>2024-04-10T15:53:00-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/marital-histories-and-economic-well-being/</loc><lastmod>2024-04-10T15:53:00-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/adequacy-of-economic-resources-in-retirement-model-based-estimations/</loc><lastmod>2024-04-10T15:53:01-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/financial-literacy-and-financial-behavior-across-the-life-cycle/</loc><lastmod>2024-04-10T15:53:02-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/labor-supply-effects-of-the-interaction-between-social-security-disability-and-retirement-benefits/</loc><lastmod>2024-04-10T15:53:02-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/labor-market-and-immigration-behavior-of-middle-aged-and-elderly-mexicans/</loc><lastmod>2024-04-10T15:53:03-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/how-do-low-income-families-think-about-retirement/</loc><lastmod>2024-04-10T15:53:04-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/pension-reform-in-mexico-the-effect-of-personal-retirement-accounts-on-preparation-for-retirement/</loc><lastmod>2024-04-10T15:53:04-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-impact-of-fatness-on-disability-insurance-application-by-the-non-elderly/</loc><lastmod>2024-04-10T15:53:05-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/retirement-wealth-across-cohorts-the-role-of-earnings-inequality-and-pension-changes/</loc><lastmod>2024-04-10T15:53:05-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-optimal-design-of-social-security/</loc><lastmod>2024-04-10T15:53:06-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-efficiency-of-pension-plan-investment-menus-investment-choices-in-defined-contribution-pensions/</loc><lastmod>2024-04-10T15:53:07-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/are-early-retirees-less-healthy-the-role-of-health-in-social-security-claiming-decisions/</loc><lastmod>2024-04-10T15:53:07-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/how-pension-rules-affect-work-and-contribution-patterns-a-behavioral-model-of-the-chilean-privatized-pension-system/</loc><lastmod>2024-04-10T15:53:08-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/work-and-retirement-choices-of-women-the-impact-of-social-security-rules-in-chile/</loc><lastmod>2024-04-10T15:53:08-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-impact-of-social-security-benefits-on-household-life-cycle-asset-allocation-and-asset-location/</loc><lastmod>2024-04-10T15:53:16-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/pension-plan-documents-from-government-sources/</loc><lastmod>2024-04-10T15:53:17-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-role-of-disability-transfer-programs-on-the-economic-well-being-of-working-age-people-with-disabilities/</loc><lastmod>2024-04-10T15:53:17-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/obstacles-to-saving-among-economically-vulnerable-women/</loc><lastmod>2024-04-10T15:53:18-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/reconciling-findings-on-the-employment-impact-of-disability-insurance/</loc><lastmod>2024-04-10T15:53:19-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/how-common-is-parking-among-ssdi-beneficiaries/</loc><lastmod>2024-04-10T15:53:19-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/adjusting-social-security-unfunded-liability-for-risk/</loc><lastmod>2024-04-10T15:53:20-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/what-replacement-rates-should-households-use/</loc><lastmod>2024-04-10T15:53:20-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/buffering-shocks-to-well-being-late-in-life/</loc><lastmod>2024-04-10T15:53:21-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/models-of-endogenous-retirement-and-the-labor-supply-effects-of-social-security/</loc><lastmod>2024-04-10T15:53:21-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/401k-plan-investment-efficiency-who-are-the-winners-and-why/</loc><lastmod>2024-04-10T15:53:22-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-level-and-risk-of-out-of-pocket-health-care-spending/</loc><lastmod>2024-04-10T15:53:22-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/how-do-pension-changes-affect-retirement-preparedness/</loc><lastmod>2024-04-10T15:53:23-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/financial-literacy-and-financial-sophistication-evidence-from-the-2008-hrs/</loc><lastmod>2024-04-10T15:53:23-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/social-security-literacy-and-retirement-well-being/</loc><lastmod>2024-04-10T15:53:24-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/market-based-guarantees-in-investment-linked-decumulation-pension-programs-pricing-risk-management-and-financial-well-being-for-retirees/</loc><lastmod>2024-04-10T15:53:24-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/earnings-and-401k-contribution-profiles-of-three-cohorts-evidence-from-social-security-records/</loc><lastmod>2024-04-10T15:53:25-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/economic-hardship-among-the-elderly-how-important-is-failure-to-take-up-public-programs/</loc><lastmod>2024-04-10T15:53:26-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/work-disability-and-labor-force-status-in-europe-and-the-us/</loc><lastmod>2024-04-10T15:53:26-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/international-comparisons-the-effect-of-policy-on-work-disability-and-wealth/</loc><lastmod>2024-04-10T15:53:27-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/investor-behavior-and-fund-performance-under-a-privatized-retirement-accounts-system-evidence-from-chile/</loc><lastmod>2024-04-10T15:53:33-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/geographical-proximity-and-intergenerational-transfers/</loc><lastmod>2024-04-10T15:53:34-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/marriage-shocks-and-wealth-changes-over-the-lifecycle/</loc><lastmod>2024-04-10T15:53:35-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-labor-supply-effects-of-disability-insurance-work-disincentives-evidence-from-administrative-data/</loc><lastmod>2024-04-10T15:53:35-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-social-security-early-retirement-benefit-as-safety-net/</loc><lastmod>2024-04-10T15:53:36-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/analysis-of-policy-options-for-older-workers-experiencing-work-limitation-onset/</loc><lastmod>2024-04-10T15:53:36-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/consistency-of-the-disability-determination-process-and-labor-supply-outcomes/</loc><lastmod>2024-04-10T15:53:37-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-effect-of-disability-and-disability-insurance-on-spousal-labor-supply/</loc><lastmod>2024-04-10T15:53:37-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-effects-of-the-economic-crisis-on-retirement-and-spending/</loc><lastmod>2024-04-10T15:53:38-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-financial-crisis-and-the-well-being-of-social-security-recipients/</loc><lastmod>2024-04-10T15:53:38-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/cognitive-function-and-financial-knowledge-a-human-capital-approach/</loc><lastmod>2024-08-22T14:33:18-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/mortgage-distress-of-the-elderly-how-strong-are-family-ties/</loc><lastmod>2024-04-10T15:53:39-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/borrowing-from-yourself-the-determinants-of-401k-loan-patterns/</loc><lastmod>2024-04-10T15:53:40-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/financial-literacy-short-run-impatience-and-the-determinants-of-savings-and-financial-management/</loc><lastmod>2024-04-10T15:53:40-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/financial-knowledge-and-financial-literacy-at-the-household-level/</loc><lastmod>2024-04-10T15:53:41-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/personality-lifetime-earnings-and-retirement-wealth/</loc><lastmod>2024-04-10T15:53:41-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/new-hrs-data-on-intergenerational-transfers/</loc><lastmod>2024-04-10T15:53:42-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/geographic-dispersion-and-the-well-being-of-the-elderly/</loc><lastmod>2024-04-10T15:53:43-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/bequest-motives-and-asset-decumulation-at-the-end-of-life/</loc><lastmod>2024-04-10T15:53:44-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/post-retirement-adjustments-in-defined-benefit-pensions/</loc><lastmod>2024-04-10T15:53:45-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-effect-of-out-of-pocket-spending-for-health-care-on-economic-preparation-for-retirement/</loc><lastmod>2024-04-10T15:53:52-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/new-explorations-of-health-and-wealth/</loc><lastmod>2024-04-10T15:53:52-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/cognitive-skills-numeracy-and-retiree-health-care-expenditure/</loc><lastmod>2024-04-10T15:53:53-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/explaining-the-growth-in-social-security-benefits-among-the-retirement-age-population/</loc><lastmod>2024-04-10T15:53:54-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/financial-capability-in-the-united-states-consumer-decision-making-and-the-role-of-social-security/</loc><lastmod>2024-04-10T15:53:55-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-joint-decision-making-of-married-couples-and-the-social-security-pension-system/</loc><lastmod>2024-04-10T15:53:55-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/earnings-growth-as-a-predictor-of-mortality-with-an-application-to-immigrant-mortality/</loc><lastmod>2024-04-10T15:53:56-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/what-are-the-real-application-costs-of-ssdi-the-effect-of-waiting-time-on-labor-force-participation-and-earnings/</loc><lastmod>2024-04-10T15:53:56-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/a-causal-model-of-the-effect-of-employer-accommodation-on-the-timing-of-application-for-social-security-disability-insurance-following-the-onset-of-a-disability-evidence-from-employment-protection-la/</loc><lastmod>2024-04-10T15:53:57-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/vocational-rehabilitation-potential-for-early-intervention/</loc><lastmod>2024-04-10T15:53:58-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/health-insurance-health-care-and-labor-supply-by-older-adults/</loc><lastmod>2024-04-10T15:53:58-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/evaluating-major-reforms-in-the-innovator-privatization-social-security-system/</loc><lastmod>2024-04-10T15:53:59-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-effects-of-changes-in-womens-labor-market-attachment-on-redistribution-under-the-social-security-benefit-formula/</loc><lastmod>2024-04-10T15:53:59-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/effects-of-legal-and-unauthorized-immigration-on-the-u-s-social-security-system/</loc><lastmod>2024-04-10T15:54:00-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/how-did-the-recession-of-2007-2009-affect-the-wealth-and-retirement-of-the-near-retirement-age-population-in-the-health-and-retirement-study/</loc><lastmod>2024-04-10T15:54:01-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/personality-and-response-to-the-financial-crisis/</loc><lastmod>2024-04-10T15:54:01-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-effects-of-the-financial-crisis-on-actual-and-anticipated-consumption/</loc><lastmod>2024-04-10T15:54:02-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-impact-of-the-financial-crisis-on-asset-allocation-annuity-demand-work-effort-and-retirement-behavior-over-the-life-cycle/</loc><lastmod>2024-04-10T15:54:03-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-influence-of-public-policy-on-health-wealth-and-mortality/</loc><lastmod>2024-04-10T15:54:03-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/macroeconomic-conditions-and-updating-of-expectations-by-older-americans/</loc><lastmod>2024-04-10T15:54:04-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/labor-market-shocks-and-the-timing-of-social-security-benefit-claims/</loc><lastmod>2024-04-10T15:54:12-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/policy-interactions-between-increases-in-the-normal-retirement-age-and-age-discrimination-laws/</loc><lastmod>2024-04-10T15:54:12-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/an-analysis-of-the-representativeness-of-the-low-income-population-in-the-hrs-and-sipp/</loc><lastmod>2024-04-10T15:54:13-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/consumption-and-differential-mortality/</loc><lastmod>2024-04-10T15:54:14-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/induced-entry-into-the-ssdi-program-using-sga-changes-as-a-natural-experiment/</loc><lastmod>2024-04-10T15:54:14-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/diminishing-margins-housing-market-declines-and-family-financial-responses/</loc><lastmod>2024-04-10T15:54:15-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/technological-progress-and-the-earnings-of-older-workers/</loc><lastmod>2024-04-10T15:54:15-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/tax-elasticity-of-labor-earnings-for-older-individuals/</loc><lastmod>2024-04-10T15:54:16-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/accounting-for-trends-in-labor-force-behavior-by-age-common-or-age-specific-explanations/</loc><lastmod>2024-04-10T15:54:16-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/behavioral-effects-of-social-security-policies-on-benefit-claiming-retirement-and-saving/</loc><lastmod>2024-04-10T15:54:17-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/new-analysis-of-hrs-data-on-intergenerational-transfers/</loc><lastmod>2024-04-10T15:54:17-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/expectations-about-social-security-and-retirement-planning-the-role-of-uncertainty-and-the-impact-of-economic-shocks/</loc><lastmod>2024-04-10T15:54:18-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-effects-of-increases-in-the-normal-retirement-age-when-age-discrimination-protections-are-stronger-evidence-from-the-hiring-side/</loc><lastmod>2024-04-10T15:54:18-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/trading-off-delayed-social-security-benefits-for-a-lump-sum-impacts-on-work-and-retirement-behavior-saving-and-well-being/</loc><lastmod>2024-04-10T15:54:19-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-interplay-of-wealth-retirement-decisions-policy-and-economic-shocks/</loc><lastmod>2024-04-10T15:54:19-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/mismeasurement-of-pensions-before-and-after-retirement-the-mystery-of-the-disappearing-pensions-with-implications-for-the-importance-of-social-security-as-a-source-of-retirement-support/</loc><lastmod>2024-04-10T15:54:20-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/personality-traits-and-economic-preparation-for-retirement/</loc><lastmod>2024-04-10T15:54:21-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-costs-and-benefits-of-medicaid-in-old-age/</loc><lastmod>2024-04-10T15:54:21-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/investment-decisions-in-retirement-the-role-of-expectations-health-risk-and-pension-benefits/</loc><lastmod>2024-04-10T15:54:22-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/using-the-2008-cps-asec-ssa-matched-data-set-to-show-who-is-and-is-not-captured-in-the-official-bls-six-question-sequence-on-disability/</loc><lastmod>2024-04-10T15:54:22-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/estimates-of-the-potential-insurance-value-of-disability-insurance-for-individuals-with-mental-health-impairments/</loc><lastmod>2024-04-10T15:54:27-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-economic-well-being-of-rejected-disability-applicants/</loc><lastmod>2024-04-10T15:54:28-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/ssdi-and-healthcare-reform-evidence-from-massachusetts/</loc><lastmod>2024-04-10T15:54:28-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/does-disability-insurance-save-lives/</loc><lastmod>2024-04-10T15:54:29-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/trends-in-longitudinal-statistics-for-young-social-security-disability-awardees/</loc><lastmod>2024-04-10T15:54:30-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/recessionary-impacts-on-ssi-participation/</loc><lastmod>2024-04-10T15:54:30-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-great-recession-workers-with-disabilities-and-implications-for-retirement-security/</loc><lastmod>2024-04-10T15:54:31-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/retirement-in-japan-and-the-united-states-cross-national-comparisons-using-the-japanese-study-of-aging-and-retirement-jstar-and-the-u-s-health-and-retirement-study-hrs/</loc><lastmod>2024-04-10T15:54:31-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/communication-with-individuals-with-intellectual-and-psychiatric-disabilities-a-literature-review/</loc><lastmod>2024-04-10T15:54:32-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/health-insurance-and-retirement-decisions/</loc><lastmod>2024-04-10T15:54:32-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/how-close-to-actuarial-fairness-are-old-age-spouses-and-widowers-benefits-for-current-and-future-beneficiaries/</loc><lastmod>2024-04-10T15:54:33-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/policy-implications-of-the-demand-for-and-supply-of-informal-long-term-care/</loc><lastmod>2024-04-10T15:54:33-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/did-age-discrimination-protections-help-older-workers-weather-the-great-recession/</loc><lastmod>2024-04-10T15:54:34-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/expectations-and-consumption/</loc><lastmod>2024-04-10T15:54:34-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/macroeconomic-determinants-of-retirement-timing/</loc><lastmod>2024-04-10T15:54:35-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-social-security-windfall-elimination-and-government-pension-offset-provisions-for-public-employees-in-the-health-and-retirement-study/</loc><lastmod>2024-04-10T15:54:35-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/a-users-guide-to-idiosyncratic-income-risk/</loc><lastmod>2024-04-10T15:54:36-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/debt-and-debt-management-among-older-adults/</loc><lastmod>2024-04-10T15:54:37-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/evaluating-two-technological-interventions-encouraging-retirement-saving/</loc><lastmod>2024-04-10T15:54:37-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-assets-and-liabilities-of-cohorts-the-antecedents-of-retirement-security/</loc><lastmod>2024-04-10T15:54:38-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/how-family-status-influences-work-and-retirement-saving-and-dissaving-insurance-demand-and-portfolio-choice-over-the-life-cycle/</loc><lastmod>2024-04-10T15:54:44-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/health-health-care-utilization-and-age-at-initial-social-security-benefit-claiming/</loc><lastmod>2024-04-10T15:54:45-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/does-retirement-influence-subjective-well-being-a-cross-country-comparison/</loc><lastmod>2024-04-10T15:54:45-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/measuring-re-immigration-flows-from-mexico/</loc><lastmod>2024-04-10T15:54:46-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/uncovering-the-relationship-between-real-interest-rates-and-economic-growth/</loc><lastmod>2024-04-10T15:54:46-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/technical-review-panel-for-the-pims-model/</loc><lastmod>2024-04-10T15:54:47-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/optimal-retirement-plan-design-variable-annuities-with-lifetime-income-guarantees-and-investment-downside-protection/</loc><lastmod>2024-04-10T15:54:47-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/cognitive-ability-expectations-and-beliefs-about-the-future-psychological-influences-on-retirement-decisions/</loc><lastmod>2024-04-10T15:54:48-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/working-at-older-ages-the-roles-of-work-environment-and-psychological-factors/</loc><lastmod>2024-04-10T15:54:48-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/distributional-effects-of-means-testing-social-security-an-exploratory-analysis/</loc><lastmod>2024-04-10T15:54:49-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/americans-willingness-to-voluntarily-delay-retirement/</loc><lastmod>2024-04-10T15:54:49-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/long-run-determinants-of-intergenerational-transfers/</loc><lastmod>2024-04-10T15:54:50-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/do-extended-family-linkages-reduce-retirement-wealth-and-consumption/</loc><lastmod>2024-04-10T15:54:50-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-determinants-of-household-savings-for-couples-during-retirement/</loc><lastmod>2024-04-10T15:54:51-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-effect-of-wealth-shocks-in-the-great-recession-on-time-use-and-budget-shares/</loc><lastmod>2024-04-10T15:54:51-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-insurance-role-of-household-labor-supply-around-retirement/</loc><lastmod>2024-04-10T15:54:52-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/understanding-participation-in-ssi/</loc><lastmod>2024-04-10T15:54:52-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/is-working-longer-good-for-you-a-simultaneous-equations-approach/</loc><lastmod>2024-04-10T15:54:53-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/research-policy-brief-means-testing-in-the-australian-system-of-retirement-incomes/</loc><lastmod>2024-04-10T15:54:53-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/differential-mortality-trends-and-social-security-policy/</loc><lastmod>2024-04-10T15:54:54-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/changing-work-demands-and-compositional-changes-in-occupations-effects-on-expected-retirement/</loc><lastmod>2024-04-10T15:54:58-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/non-monetary-job-characteristics-and-employment-transitions-at-older-ages/</loc><lastmod>2024-04-10T15:54:59-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/working-conditions-over-the-life-course/</loc><lastmod>2024-04-10T15:54:59-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/labor-supply-responses-to-changes-in-the-payroll-tax-for-older-individuals/</loc><lastmod>2024-04-10T15:55:00-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/social-security-claiming-life-insurance-and-long-term-care-insurance-the-impact-of-narrow-framing-and-loss-aversion/</loc><lastmod>2024-04-10T15:55:00-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/sources-of-lower-financial-decision-making-ability-at-older-ages/</loc><lastmod>2024-04-10T15:55:01-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/social-security-and-pensions-in-veterans-wealth-and-retirement/</loc><lastmod>2024-04-10T15:55:01-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/does-eliminating-the-earnings-test-increase-old-age-poverty-of-women/</loc><lastmod>2024-04-10T15:55:02-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/measuring-economic-preparation-for-retirement-income-versus-consumption/</loc><lastmod>2024-04-10T15:55:02-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-effect-of-the-affordable-care-act-on-the-labor-supply-savings-and-social-security-of-older-americans/</loc><lastmod>2024-04-10T15:55:03-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-effect-of-health-reform-on-retirement/</loc><lastmod>2024-04-10T15:55:04-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/medicare-expenditures-social-security-reform-and-the-labor-force-participation-of-older-americans/</loc><lastmod>2024-04-10T15:55:04-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/means-testing-social-security-modelling-and-policy-analysis/</loc><lastmod>2024-04-10T15:55:05-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/retirement-savings-in-the-us-and-england-how-important-is-housing/</loc><lastmod>2024-04-10T15:55:05-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-comprehensive-wealth-of-immigrants-and-natives/</loc><lastmod>2024-04-10T15:55:06-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/social-security-contributions-and-return-migration-among-older-mexican-immigrants/</loc><lastmod>2024-04-10T15:55:06-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-retirement-and-claiming-of-us-military-retirees/</loc><lastmod>2024-04-10T15:55:07-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/racial-differences-in-the-use-of-va-health-services/</loc><lastmod>2024-04-10T15:55:07-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/adjusting-the-payroll-tax-to-promote-longer-careers/</loc><lastmod>2024-04-10T15:55:08-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-affordable-care-act-as-retiree-health-insurance-implications-for-retirement-and-social-security-claiming/</loc><lastmod>2024-04-10T15:55:10-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/occupational-transitions-among-older-workers/</loc><lastmod>2024-04-10T15:55:16-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/do-state-age-discrimination-protections-reduce-hiring-discrimination-against-older-workers/</loc><lastmod>2024-04-10T15:55:17-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/older-peoples-willingness-to-delay-social-security-claiming/</loc><lastmod>2024-04-10T15:55:18-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-interaction-between-consumption-and-health-in-retirement/</loc><lastmod>2024-04-10T15:55:19-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/examining-the-relationship-between-caregiving-and-work/</loc><lastmod>2024-04-10T15:55:19-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/job-demands-and-job-sustainability-over-the-life-course/</loc><lastmod>2024-04-10T15:55:20-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-effect-of-social-security-information-on-the-labor-supply-of-older-americans/</loc><lastmod>2024-04-10T15:55:20-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/issue-brief-occupational-differences-in-rates-of-cognitive-decline/</loc><lastmod>2024-04-10T15:55:21-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/cohort-changes-in-social-security-benefits-and-pension-wealth/</loc><lastmod>2024-04-10T15:55:21-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/how-home-equity-extraction-and-reverse-mortgages-affect-the-financial-well-being-of-senior-households/</loc><lastmod>2024-04-10T15:55:22-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-impact-of-unemployment-and-re-employment-on-household-consumption-measured-at-high-frequency-over-a-six-year-period/</loc><lastmod>2024-04-10T15:55:22-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/time-discounting-and-economic-decisionmaking-among-the-elderly/</loc><lastmod>2024-04-10T15:55:23-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/health-reform-and-health-insurance-coverage-among-early-retirees/</loc><lastmod>2024-04-10T15:55:24-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-effects-of-health-on-the-labor-supply-of-older-workers/</loc><lastmod>2024-04-10T15:55:25-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/working-conditions-and-sustainable-work-at-older-ages-an-international-perspective/</loc><lastmod>2024-04-10T15:55:25-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-effects-of-means-tested-minimum-old-age-benefits-in-poverty-rates-and-well-being-studying-the-2008-chilean-pension-reforms/</loc><lastmod>2024-04-10T15:55:26-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/literature-review-lifetime-consequences-of-early-and-mid-life-access-to-health-insurance/</loc><lastmod>2024-04-10T15:55:27-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/joint-analysis-of-the-long-run-interest-rate-productivity-growth-and-demographics-in-the-u-s-and-the-global-economy/</loc><lastmod>2024-04-10T15:55:27-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/financial-security-research-symposium/</loc><lastmod>2025-01-29T11:48:49-05:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/social-insurance-and-risks-and-insurance-over-the-life-cycle-for-singles-couples/</loc><lastmod>2024-04-10T15:55:28-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/cognition-health-employment-and-wages-near-retirement-in-england/</loc><lastmod>2024-04-10T15:55:35-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/understanding-earnings-labor-supply-and-retirement-decisions/</loc><lastmod>2024-04-10T15:55:35-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/shocks-and-transitions-from-career-jobs-to-bridge-jobs-and-retirement-a-new-approach/</loc><lastmod>2024-04-10T15:55:36-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-reintroduction-of-the-social-security-statement-and-its-effect-on-social-security-expectations-retirement-savings-and-labor-supply-across-the-age-distribution/</loc><lastmod>2024-04-10T15:55:36-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/if-i-am-in-good-health-using-subjective-conditional-expectations-relating-health-to-retirement-with-lesson-for-social-security-claiming-and-sustainability/</loc><lastmod>2024-04-10T15:55:37-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/exploring-the-social-security-benefit-implication-of-same-sex-marriage/</loc><lastmod>2024-04-10T15:55:37-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/understanding-job-and-retirement-transitions/</loc><lastmod>2024-04-10T15:55:38-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/veteran-reintegration-identifying-the-long-term-effects-of-recessions-on-earnings-wealth-and-retirement-decisions/</loc><lastmod>2024-04-10T15:55:38-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/how-do-changes-in-health-and-cognition-affect-the-timing-of-retirement-evidence-from-occupational-job-demands-and-job-mismatch/</loc><lastmod>2024-04-10T15:55:39-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/work-life-balance-and-labor-force-attachment-at-older-ages/</loc><lastmod>2024-04-10T15:55:39-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/alternative-measures-of-character-skills-and-their-effect-on-retirement-preparation-and-financial-capability/</loc><lastmod>2024-04-10T15:55:40-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/um17-13/</loc><lastmod>2024-04-10T15:55:41-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-growth-and-geographical-variation-of-nursing-home-self-pay-prices/</loc><lastmod>2024-04-10T15:55:42-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/intergenerational-transfers-wealth-accumulation-and-inequality/</loc><lastmod>2024-04-10T15:55:43-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/causes-and-consequences-of-financial-mismanagement-at-older-ages/</loc><lastmod>2024-04-10T15:55:44-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/affordable-care-act-and-the-post-displacement-labor-supply-among-the-near-elderly/</loc><lastmod>2024-04-10T15:55:44-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/parental-transfers-to-unemployed-children-savings-consumption-and-retirement-effects/</loc><lastmod>2024-04-10T15:55:45-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-implications-of-differential-trends-in-mortality-for-social-security-policy/</loc><lastmod>2024-04-10T15:55:45-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/a-review-comparing-federal-and-state-means-tested-programs/</loc><lastmod>2024-04-10T15:55:46-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/literature-review-of-characteristics-of-second-career-occupations/</loc><lastmod>2024-04-10T15:55:46-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/investigating-the-difference-in-mortality-estimates-between-the-social-security-administrations-trustees-report-and-the-human-mortality-database/</loc><lastmod>2024-04-10T15:55:51-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/adverse-financial-events-before-after-dementia-diagnosis-understanding-the-timing-and-need-for-representative-payees-among-households-impacted-by-dementia/</loc><lastmod>2024-04-10T15:55:51-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/can-medicare-records-improve-the-social-security-administrations-representative-payee-system/</loc><lastmod>2024-04-10T15:55:52-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/social-security-household-benefits-the-impact-of-program-knowledge/</loc><lastmod>2024-04-10T15:55:52-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/validity-and-reliability-of-machine-coding-of-occupation-industry-in-the-health-and-retirement-study/</loc><lastmod>2024-04-10T15:55:53-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/local-economic-hardship-and-its-role-in-life-expectancy-trends/</loc><lastmod>2024-04-10T15:55:53-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/relative-sizes-of-age-cohorts-employment-and-labor-force-participation-of-older-workers/</loc><lastmod>2024-04-10T15:55:54-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/using-consequence-messaging-to-improve-understanding-of-social-security/</loc><lastmod>2024-04-10T15:55:54-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/addressing-social-securitys-solvency-while-promoting-high-labor-force-participation/</loc><lastmod>2024-04-10T15:55:55-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/social-security-coverage-around-the-world/</loc><lastmod>2024-04-10T15:55:55-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/declining-labor-force-participation-in-the-usa-proposal-for-a-systematic-literature-review/</loc><lastmod>2024-04-10T15:55:56-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/addition-to-the-rand-hrs-longitudinal-files-ira-withdrawals-in-the-hrs-2000-2016/</loc><lastmod>2024-04-10T15:55:57-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/assessing-economic-resources-in-retirement-the-role-of-withdrawals-from-tax-advantaged-retirement-accounts/</loc><lastmod>2024-04-10T15:55:57-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/a-meta-analysis-of-the-decline-in-the-labor-force-participation-rate/</loc><lastmod>2024-04-10T15:55:58-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/is-the-affordable-care-act-affecting-retirement-yet/</loc><lastmod>2024-04-10T15:55:58-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/trends-in-disability-and-the-use-of-disability-insurance/</loc><lastmod>2024-04-10T15:55:59-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/latent-work-capacity-and-retirement-expectations/</loc><lastmod>2024-04-10T15:55:59-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/understanding-retirement-plan-default-behavior-the-case-of-oregonsaves/</loc><lastmod>2024-04-10T15:56:00-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/forecasting-survival-by-socioeconomic-status-and-implications-for-social-security-benefits/</loc><lastmod>2024-04-10T15:56:00-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/interest-rate-trends-in-a-global-context-expanding-the-evidence-base-for-forecasting/</loc><lastmod>2024-04-10T15:56:01-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/subjective-expectations-social-security-benefits-and-saving-for-retirement/</loc><lastmod>2024-04-10T15:56:06-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/how-reliant-are-older-americans-on-state-and-local-government-pensions/</loc><lastmod>2024-04-10T15:56:07-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/predicting-expected-medical-recovery-using-return-to-work-among-veterans/</loc><lastmod>2024-04-10T15:56:07-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/investigating-the-functional-capacities-occupational-requirements-and-vocational-characteristics-of-workers-with-early-onset-impairments/</loc><lastmod>2024-04-10T15:56:08-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-alignment-of-household-preferences-and-financial-decisions-leading-up-to-retirement/</loc><lastmod>2024-04-10T15:56:08-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/on-the-distribution-and-dynamics-of-medical-expenditure-among-the-elderly/</loc><lastmod>2024-04-10T15:56:09-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/how-would-401k-rothification-influence-consumption-saving-and-social-security-claiming-behavior/</loc><lastmod>2024-04-10T15:56:10-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/public-pension-design-and-household-retirement-decisions-cross-national-comparisons/</loc><lastmod>2024-04-10T15:56:10-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/um19-q1-the-effects-of-totalization-agreements-on-economic-activity/</loc><lastmod>2024-04-10T15:56:11-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/estimating-the-effects-of-the-totalization-agreements/</loc><lastmod>2024-04-10T15:56:11-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/um20-01-understanding-trends-in-di-applications-with-survey-and-administrative-data/</loc><lastmod>2024-04-10T15:56:12-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/education-and-return-to-work-among-veterans/</loc><lastmod>2024-04-10T15:56:12-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-changing-nature-of-work/</loc><lastmod>2024-04-10T15:56:13-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/forecasting-survival-by-socioeconomic-status-and-implications-for-social-security-benefits-year-2/</loc><lastmod>2024-04-10T15:56:14-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/underfunded-public-sector-pension-plans-social-security-participation-and-the-retirement-decisions-of-public-employees/</loc><lastmod>2024-04-10T15:56:14-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/is-the-adjustment-of-benefits-actuarially-fair/</loc><lastmod>2024-04-10T15:56:15-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/estimating-the-macroeconomic-effects-of-each-totalization-agreement/</loc><lastmod>2024-04-10T15:56:15-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/a-framework-for-cost-benefit-analysis-of-totalization-agreements/</loc><lastmod>2024-04-10T15:56:16-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-risk-of-high-out-of-pocket-health-spending-among-older-americans/</loc><lastmod>2024-04-10T15:56:17-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-impact-of-public-health-insurance-on-financial-resources-and-medical-expense-risk-at-older-ages/</loc><lastmod>2024-04-10T15:56:17-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/cognitive-ability-cognitive-aging-and-debt-accumulation/</loc><lastmod>2024-04-10T15:56:21-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/financial-consequences-of-health-and-healthcare-spending-among-older-couples/</loc><lastmod>2024-04-10T15:56:22-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/nursing-homes-in-general-equilibrium-implications-for-long-term-care-policies/</loc><lastmod>2024-04-10T15:56:22-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-causes-and-consequences-of-opioid-and-benzodiazepine-use-among-older-americans-a-panel-survey-approach/</loc><lastmod>2024-04-10T15:56:23-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/firm-willingness-to-offer-bridge-employment/</loc><lastmod>2024-04-10T15:56:23-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/social-security-wealth-inequality-and-life-cycle-saving/</loc><lastmod>2024-04-10T15:56:24-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/saving-regret-self-assessed-life-cycle-saving-behavior-in-the-u-s-and-singapore/</loc><lastmod>2024-04-10T15:56:25-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-effect-of-the-americans-with-disabilities-act-on-social-security-disability-insurance/</loc><lastmod>2024-04-10T15:56:25-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/geographic-variation-in-disability-insurance-application-and-awards-in-the-wake-of-the-coronavirus-epidemic/</loc><lastmod>2024-04-10T15:56:26-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/survey-of-disability-determinations-around-the-world/</loc><lastmod>2024-04-10T15:56:26-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/occupational-requirements-and-worker-functional-abilities-a-close-look-at-three-key-occupations/</loc><lastmod>2024-04-10T15:56:27-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-role-of-physical-and-cognitive-job-demands-on-transitions-into-retirement/</loc><lastmod>2024-04-10T15:56:27-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/which-households-benefit-from-delayed-claiming/</loc><lastmod>2024-12-02T10:04:04-05:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-relationship-between-adverse-experiences-over-the-life-course-and-later-life-retirement-due-to-disability/</loc><lastmod>2024-04-10T15:56:29-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/mixed-methods-study-to-understand-use-of-myssa/</loc><lastmod>2024-04-10T15:56:29-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-impact-of-medical-spending-shocks-on-the-wealth-and-insurance-purchases-of-older-americans/</loc><lastmod>2024-04-10T15:56:30-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/explanations-for-the-decline-in-spending-at-older-ages/</loc><lastmod>2024-04-10T15:56:30-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-lifetime-risk-of-spousal-nursing-home-use-and-its-economic-impact-on-the-community-dwelling-spouse/</loc><lastmod>2024-04-10T15:56:31-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/heterogeneity-in-houseold-spending-and-well-being/</loc><lastmod>2024-04-10T15:56:31-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/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/</loc><lastmod>2024-04-10T15:56:32-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/contextual-and-social-predictors-of-scam-susceptibility-and-fraud-victimization/</loc><lastmod>2024-04-10T15:56:37-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/do-workers-injured-on-the-job-and-covered-by-workers-compensation-end-up-on-ssdi/</loc><lastmod>2024-04-10T15:56:38-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/assessing-the-economic-impact-payment-in-the-older-population/</loc><lastmod>2024-04-10T15:56:38-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/mixed-methods-analysis-of-consumer-fraud-reports-of-the-social-security-impostor-scam/</loc><lastmod>2024-04-10T15:56:39-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/expansion-of-simplified-totalization-agreements/</loc><lastmod>2024-04-10T15:56:39-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-immediate-impacts-of-coronavirus-on-americans-economic-security-2/</loc><lastmod>2024-04-10T15:56:40-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/adding-new-variables-to-the-rand-hrs-longitudinal-file-to-better-support-research-on-disability/</loc><lastmod>2024-04-10T15:56:40-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/extending-rand-hrs-poverty-measures-to-earlier-hrs-waves/</loc><lastmod>2024-04-10T15:56:41-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/estimating-the-impact-of-missing-totalization-agreements/</loc><lastmod>2024-04-10T15:56:41-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/tracking-changes-in-the-composition-of-social-security-disability-insurance-and-supplement-security-income-following-the-covid-19-pandemic/</loc><lastmod>2024-04-10T15:56:42-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/retirement-pensions-and-disability-insurance-for-the-21st-century/</loc><lastmod>2024-04-10T15:56:42-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-effect-of-the-americans-with-disabilities-act-on-supplemental-security-income/</loc><lastmod>2024-04-10T15:56:43-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-role-of-physical-cognitive-and-interpersonal-occupational-requirements-and-working-conditions-on-disability-and-retirement/</loc><lastmod>2024-04-10T15:56:44-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/how-will-covid-19-excess-mortality-affect-social-security-benefit-payouts/</loc><lastmod>2024-04-10T15:56:44-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/nontraditional-work-nontraditional-workers-and-the-implications-for-social-security/</loc><lastmod>2024-04-10T15:56:45-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-effect-of-covid-on-expected-and-actual-labor-supply-and-social-security-claiming-among-older-workers/</loc><lastmod>2024-06-25T11:09:37-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/gendered-impacts-of-covid-19-on-economic-and-retirement-security/</loc><lastmod>2024-04-10T15:56:46-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/risk-of-large-medical-expenditures-at-older-ages-and-their-impact-on-economic-well-being/</loc><lastmod>2024-04-10T15:56:46-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/how-does-social-security-affect-the-racial-wealth-gap/</loc><lastmod>2024-04-10T15:56:47-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-effect-of-racial-disparities-on-entitlement-to-social-security-survivor-benefit-and-widow-poverty/</loc><lastmod>2024-04-10T15:56:47-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/disparities-in-social-security-knowledge-and-the-role-of-social-capital/</loc><lastmod>2024-04-10T15:56:53-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-dynamic-effects-of-health-on-the-employment-of-older-workers-impacts-by-gender-education-and-race/</loc><lastmod>2024-04-10T15:56:54-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/an-analysis-of-racial-and-ethnic-disparities-in-knowledge-about-social-security-programs-and-their-consequences/</loc><lastmod>2024-04-10T15:56:55-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/investigating-racial-and-ethnic-disparities-in-the-provision-of-workplace-accommodations/</loc><lastmod>2024-04-10T15:56:55-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/work-and-retirement-for-older-black-and-hispanic-adults/</loc><lastmod>2024-04-10T15:56:56-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-ongoing-impacts-of-covid-19-on-americans-economic-security/</loc><lastmod>2024-04-10T15:56:56-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/understanding-racial-disparities-in-financial-preparedness-for-retirement/</loc><lastmod>2024-04-10T15:56:57-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/labor-market-shocks-and-historically-disadvantaged-groups-access-to-ssi-and-ssdi/</loc><lastmod>2024-12-18T14:39:13-05:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/creating-a-public-resource-onet-job-characteristics-data-set-for-use-with-the-health-and-retirement-study-and-other-surveys/</loc><lastmod>2024-04-10T15:56:58-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-impacts-of-the-social-security-statement-on-peoples-knowledge-and-behavioral-intentions/</loc><lastmod>2024-04-10T15:56:58-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-initial-experiences-with-the-redesigned-social-security-statement/</loc><lastmod>2024-04-10T15:56:59-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/who-benefits-from-retirement-saving-incentives-in-the-u-s-evidence-on-racial-gaps-in-retirement-wealth-accumulation/</loc><lastmod>2024-04-10T15:56:59-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/medical-spending-risk-among-the-elderly-by-race-and-gender/</loc><lastmod>2024-04-10T15:57:00-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/how-redistributive-is-the-u-s-social-security-system-today/</loc><lastmod>2024-04-10T15:57:01-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/racial-ethnic-and-gender-disparities-in-labor-market-outcomes-in-the-aftermath-of-the-covid-19-pandemic/</loc><lastmod>2024-04-10T15:57:01-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/estimating-racial-disparities-in-economic-outcomes/</loc><lastmod>2024-04-10T15:57:02-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/racial-and-ethnic-differences-in-job-characteristics-and-patterns-in-disability-retirement-and-social-security-retirement-wealth/</loc><lastmod>2024-04-10T15:57:03-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/racial-and-ethnic-disparities-in-the-effects-of-covid-19-on-job-separation-and-financial-precarity/</loc><lastmod>2024-04-10T15:57:03-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/mixed-methods-study-on-work-disabled-adults-who-do-not-apply-for-social-security-disability-benefits/</loc><lastmod>2024-04-10T15:57:04-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/understanding-the-social-security-communication-needs-of-hispanics-with-limited-english-language-proficiency/</loc><lastmod>2024-04-10T15:57:05-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-mortality-impacts-of-the-ssdi-waiting-periods/</loc><lastmod>2024-04-10T15:57:13-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/social-securitys-role-in-economic-security-evidence-and-insight-from-an-analysis-of-multiprogram-participation/</loc><lastmod>2024-04-10T15:57:13-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/inflation-and-economic-security-of-the-older-population/</loc><lastmod>2024-04-10T15:57:14-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-enduring-impacts-of-covid-19-on-americans-economic-and-retirement-security/</loc><lastmod>2024-04-10T15:57:14-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-lifetime-earnings-effects-of-the-social-security-student-benefit/</loc><lastmod>2024-04-10T15:57:15-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/equity-implications-of-the-rising-full-retirement-age-and-social-security-communications-an-analysis-of-past-and-future-disparities-in-the-economic-security-of-retirees/</loc><lastmod>2024-04-10T15:57:16-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/saving-regret-in-the-wake-of-the-covid-19-pandemic/</loc><lastmod>2024-04-10T15:57:16-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-house-is-it-an-asset-or-a-liability/</loc><lastmod>2024-04-10T15:57:17-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-impact-of-affordable-and-accessible-broadband-on-ssdi-and-ssi-receipt/</loc><lastmod>2024-04-10T15:57:17-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/job-demands-time-use-and-the-timing-of-retirement/</loc><lastmod>2024-04-10T15:57:18-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/enhancing-the-rand-hrs-cams-public-use-file/</loc><lastmod>2024-04-10T15:57:18-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/geographic-variation-in-social-security-disability-insurance-beneficiaries-mortality-rates/</loc><lastmod>2024-12-18T14:37:32-05:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/rand-hrs-poverty-measures-for-hrs-1994/</loc><lastmod>2024-04-10T15:57:19-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/mixed-method-study-on-information-communications-and-access-to-government-benefit-among-rural-populations/</loc><lastmod>2024-04-10T15:57:20-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/barriers-and-communications-preferences-of-rural-populations-a-scoping-review/</loc><lastmod>2024-04-10T15:57:20-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/only-spot-a-few-blacks-the-higher-i-go-occupational-segregation-and-the-covid-19-pandemic/</loc><lastmod>2024-04-10T15:57:21-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/an-intersectional-approach-to-retirement-expectations-and-timing/</loc><lastmod>2024-04-10T15:57:22-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/developing-a-survey-to-understand-barriers-to-applying-for-disability-insurance/</loc><lastmod>2024-04-10T15:57:22-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/application-decision-making-for-ssi-for-children-a-qualitative-study-with-beneficiary-and-nonbeneficiary-families/</loc><lastmod>2024-04-10T15:57:23-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/pathways-and-persistence-of-labor-force-transitions-during-the-covid-19-pandemic/</loc><lastmod>2024-04-10T15:57:23-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/inflations-impact-on-vulnerable-older-workers-and-retirees-economic-outcomes/</loc><lastmod>2024-04-10T15:57:28-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/community-engaged-research-into-the-barriers-and-communication-preferences-of-rural-populations/</loc><lastmod>2024-04-10T15:57:28-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-color-of-wealth-in-chicago-wealth-disparities-by-race-and-ethnicity/</loc><lastmod>2024-04-10T15:57:29-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/race-disparities-consequences-of-cancer-diagnosis-on-preretirement-work-disruption/</loc><lastmod>2024-10-10T13:54:34-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/a-community-based-participatory-research-cbpr-mixed-methods-approach-involving-low-income-minority-persons-with-psychiatric-disabilities-to-understand-how-removing-barriers-to-ssi-participation-can/</loc><lastmod>2024-10-30T17:45:43-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/projecting-dementia-incidence-by-race-and-gender/</loc><lastmod>2024-10-10T13:53:47-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/racial-hospital-and-geographic-disparities-in-supplemental-security-income-applications-and-take-up-in-florida-evidence-from-birth-weight-eligibility-cutoffs/</loc><lastmod>2024-10-10T13:53:30-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/disability-rates-and-ssi-program-eligibility-and-participation-among-refugees-in-the-u-s/</loc><lastmod>2024-10-10T13:53:13-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/educational-investments-family-resources-and-the-dynamic-disincentive-of-social-security/</loc><lastmod>2024-10-10T13:52:52-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/mixed-methods-study-to-understand-barriers-and-facilitators-in-applying-for-social-security-disability-benefits-among-hispanics/</loc><lastmod>2024-10-10T13:52:30-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/financial-inclusion-and-ethnic-and-racial-disparities-in-financial-security-at-retirement-evidence-from-a-mixed-methods-study-of-bank-branching-deregulation/</loc><lastmod>2024-10-10T13:52:10-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/the-role-of-segregation-and-gender-in-moderating-blacks-diminished-returns-of-education-on-occupational-classes/</loc><lastmod>2024-10-10T13:51:33-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/racial-and-gender-disparities-in-early-retirement-decisions-during-the-covid-19-pandemic/</loc><lastmod>2024-10-10T13:50:52-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/insights-from-chicagos-older-adults-in-poverty-on-barriers-to-financial-stability-and-possible-remedies/</loc><lastmod>2024-12-11T11:21:45-05:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/project/from-bias-to-inclusion-a-mixed-methods-approach-to-understanding-and-addressing-employment-barriers-for-people-with-disabilities/</loc><lastmod>2024-10-10T13:50:09-04:00</lastmod></url></urlset>
