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oth-sides-of-the-pond-3/</loc><lastmod>2018-06-14T16:36:40-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/means-testing-of-public-pensions-the-case-of-australia-2/</loc><lastmod>2018-06-14T16:36:40-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/how-well-does-the-australian-aged-pension-provide-social-insurance/</loc><lastmod>2018-06-14T16:36:40-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/a-note-on-resource-testing-and-temptation/</loc><lastmod>2018-06-14T16:36:40-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/means-testing-social-security-modeling-and-policy-analysis-2/</loc><lastmod>2018-06-14T16:36:41-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/the-affordable-care-act-as-retiree-health-insurance-implications-for-retirement-and-social-security-claiming-2/</loc><lastmod>2018-06-14T16:36:43-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/the-interaction-between-consumption-and-health-in-retirement-2/</loc><lastmod>2018-06-14T16:36:43-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/the-affordable-care-act-as-retiree-health-insurance-implications-for-retirement-and-social-security-claiming-3/</loc><lastmod>2018-06-14T16:36:44-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/the-interaction-between-consumption-and-health-in-retirement-3/</loc><lastmod>2018-06-14T16:36:44-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/health-reform-and-health-insurance-coverage-of-early-retirees-2/</loc><lastmod>2018-06-14T16:36:44-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/time-discounting-and-economic-decision-making-among-the-elderly-2/</loc><lastmod>2018-06-14T16:36:44-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/the-dynamic-effects-of-health-on-the-employment-of-older-workers-2/</loc><lastmod>2018-06-14T16:36:44-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/issue-brief-occupation-cognitive-decline-and-retirement-2/</loc><lastmod>2018-06-14T16:36:44-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/do-state-laws-protecting-older-workers-from-discrimination-laws-reduce-age-discrimination-in-hiring-experimental-and-nonexperimental-evidence-2/</loc><lastmod>2018-06-14T16:36:45-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/how-home-equity-extraction-and-reverse-mortgages-affect-the-credit-outcomes-of-senior-households-2/</loc><lastmod>2018-06-14T16:36:45-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/cohort-changes-in-social-security-benefits-and-pension-wealth-2/</loc><lastmod>2018-06-14T16:36:45-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/occupational-transitions-at-older-ages-what-moves-are-people-making-2/</loc><lastmod>2018-06-14T16:36:45-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/the-dynamic-effects-of-health-on-the-employment-of-older-workers-3/</loc><lastmod>2018-06-14T16:36:45-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/time-discounting-and-economic-decision-making-among-the-elderly-3/</loc><lastmod>2018-06-14T16:36:45-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/health-reform-and-health-insurance-coverage-of-early-retirees-3/</loc><lastmod>2018-06-14T16:36:46-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/how-home-equity-extraction-and-reverse-mortgages-affect-the-credit-outcomes-of-senior-households-3/</loc><lastmod>2018-06-14T16:36:46-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/cohort-changes-in-social-security-benefits-and-pension-wealth-3/</loc><lastmod>2018-06-14T16:36:46-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/consumption-smoothing-during-the-financial-crisis-the-effect-of-unemployment-on-household-spending-2/</loc><lastmod>2018-06-14T16:36:46-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/consumption-smoothing-during-the-financial-crisis-the-effect-of-unemployment-on-household-spending-3/</loc><lastmod>2018-06-14T16:36:46-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/occupational-transitions-at-older-ages-what-moves-are-people-making-3/</loc><lastmod>2018-06-14T16:36:47-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/2015-mrrc-key-findings/</loc><lastmod>2018-06-14T16:36:47-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/the-effect-of-the-affordable-care-act-on-the-labor-supply-savings-and-social-security-of-older-americans-2/</loc><lastmod>2018-06-14T16:36:47-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/older-peoples-willingness-to-delay-social-security-claiming-2/</loc><lastmod>2018-06-14T16:36:48-04:00</lastmod></url><url><loc>https://mrdrc.isr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panics-with-limited-english-language-proficiency-2/</loc><lastmod>2024-07-26T10:28:09-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/insurance-purchases-of-older-americans-2/</loc><lastmod>2024-01-12T18:37:39-05:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/job-demands-and-social-security-disability-insurance-applications-2/</loc><lastmod>2024-01-12T18:45:34-05:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/using-administrative-data-to-validate-hrs-survey-responses-on-application-for-di-and-ssi-disability-benefits-2/</loc><lastmod>2024-01-12T18:49:50-05:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/changes-in-the-composition-of-disability-insurance-applicants-and-recipients-in-the-wake-of-the-coronavirus-epidemic-2/</loc><lastmod>2024-01-15T12:07:05-05:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/how-does-social-security-affect-the-racial-wealth-gap-2/</loc><lastmod>2024-01-15T12:11:52-05:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/disparities-in-social-security-knowledge-and-the-role-of-social-capital-2/</loc><lastmod>2024-01-15T12:21:16-05:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/risk-of-large-medical-expenditures-at-older-ages-and-their-impact-on-economic-well-being-2/</loc><lastmod>2024-01-15T12:37:07-05:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/mixed-methods-study-on-work-disabled-adults-who-do-not-apply-for-social-security-disability-benefits/</loc><lastmod>2024-02-05T16:19:50-05:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/social-securitys-role-in-economic-security-evidence-and-insight-from-an-analysis-of-multiprogram-participation/</loc><lastmod>2024-03-05T18:40:07-05:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/the-effect-of-the-social-security-student-benefit-on-lifetime-earnings/</loc><lastmod>2024-03-05T18:46:53-05:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/inflation-and-economic-security-of-the-older-population/</loc><lastmod>2024-06-17T10:02:24-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/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>2024-06-18T09:28:36-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/racial-and-ethnic-differences-in-lifetime-work-environment-exposures-and-early-disability-retirement/</loc><lastmod>2024-07-15T12:46:29-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/who-benefits-from-retirement-saving-incentives-in-the-u-s-evidence-on-racial-gaps-in-retirement-wealth-accumulation/</loc><lastmod>2024-06-18T09:43:20-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/what-is-the-effect-of-racial-disparities-on-entitlement-to-social-security-survivor-benefit-and-widow-poverty/</loc><lastmod>2024-06-18T09:52:49-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/which-households-benefit-from-delayed-claiming/</loc><lastmod>2025-01-17T10:44:30-05:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/mrdrc-newsletter-winter-2024/</loc><lastmod>2025-01-29T12:39:03-05:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/mrdrc-newsletter-spring-2024/</loc><lastmod>2025-01-29T12:40:19-05:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/fy23-key-findings/</loc><lastmod>2024-06-26T10:08:42-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/which-households-benefit-from-delayed-claiming-2/</loc><lastmod>2024-07-26T13:28:35-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/retirement-pensions-and-disability-insurance-for-the-21st-century-2/</loc><lastmod>2024-07-26T13:27:40-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/traditional-and-nontraditional-earnings-demographic-financial-and-beneficiary-patterns-2/</loc><lastmod>2024-07-26T13:26:54-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/medical-spending-risk-among-retired-households-by-race-3/</loc><lastmod>2024-07-25T14:37:11-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/racial-and-ethnic-disparities-in-the-effects-of-covid-19-on-employment-disruption-and-financial-precarity-2/</loc><lastmod>2024-07-26T10:08:16-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/barriers-and-communications-preferences-of-rural-populations-a-scoping-review-2/</loc><lastmod>2024-07-26T13:17:18-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/what-is-the-effect-of-racial-disparities-on-entitlement-to-social-security-survivor-benefit-and-widow-poverty-2/</loc><lastmod>2024-07-26T13:07:59-04:00</lastmod></url><url><loc>https://mrdrc.isr.umich.edu/publication/who-be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