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Golden Years or Financial Fears? Decision Making After Retirement Seminars
Allen, Steven; Clark, Robert L.; Maki, Jennifer; … - National Bureau of Economic Research (NBER) - 2013
Many organizations provide retirement planning seminars to their employees as a benefit to help them make better informed retirement decisions.  This study examines the participants in 85 seminars conducted by five companies in 2008 and 2009 to determine how much learning takes place and...
Persistent link: https://www.econbiz.de/10010969279
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What Makes Annuitization More Appealing?
Laibson, David; Madrian, Brigitte C.; Beshears, John; … - National Bureau of Economic Research (NBER) - 2012
We conduct and analyze two large surveys of hypothetical annuitization choices. We find that allowing individuals to annuitize a fraction of their wealth increases annuitization relative to a situation where annuitization is an "all or nothing" decision. Very few respondents choose declining...
Persistent link: https://www.econbiz.de/10010969425
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Accounting and Actuarial Smoothing of Retirement Payouts in Participating Life Annuities
Mitchell, Olivia; Maurer, Raimond; Rogalla, Ralph; … - National Bureau of Economic Research (NBER) - 2014
Life insurers use accounting and actuarial techniques to smooth reporting of firm assets and liabilities, seeking to transfer surpluses in good years to cover benefit payouts in bad years. Nevertheless, these techniques been criticized as they make it difficult to assess insurers' true financial...
Persistent link: https://www.econbiz.de/10010950681
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Donative Behavior at the End of Life
Meer, Jonathan; Rosen, Harvey - National Bureau of Economic Research (NBER) - 2013
A general finding in the empirical literature on charitable giving is that among older individuals, both the probability of giving and the conditional amount of donations decrease with age, ceteris paribus. In this paper, we use data on giving by alumni at an anonymous university to investigate...
Persistent link: https://www.econbiz.de/10010950704
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Did Age Discrimination Protections Help Older Workers Weather the Great Recession?
Neumark, David; Button, Patrick - National Bureau of Economic Research (NBER) - 2013
We examine whether stronger age discrimination laws at the state level moderated the impact of the Great Recession on older workers. We use a difference-in-difference-in-differences strategy to compare older workers in states with stronger and weaker laws, to their younger counterparts, both...
Persistent link: https://www.econbiz.de/10010950721
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Do Required Minimum Distributions Matter? The Effect of the 2009 Holiday On Retirement Plan Distributions
Brown, Jeffrey Robert; Poterba, James; Richardson, David - National Bureau of Economic Research (NBER) - 2014
This paper investigates how the 2009 one-time suspension of the Required Minimum Distribution (RMD) rules associated with qualified retirement plans affected plan distributions at TIAA-CREF, a large retirement services provider. Using panel data on retirement plan participants at TIAA-CREF, we...
Persistent link: https://www.econbiz.de/10010950731
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Social Security Programs and Retirement Around the World: Disability Insurance Programs and Retirement - Introduction and Summary
Coile, Courtney; Milligan, Kevin; Wise, David - National Bureau of Economic Research (NBER) - 2014
, Employment, and Disability Insurance Participation and Reforms" was intended to set the stage for this current phase. This sixth … the labor force participation of younger persons in twelve countries. We found no evidence that increasing the employment … of older persons will reduce the employment opportunities of youth and no evidence that increasing the employment of …
Persistent link: https://www.econbiz.de/10010950785
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Distributional Effects of Means Testing Social Security: An Exploratory Analysis
Gustman, Alan L.; Steinmeier, Thomas; Tabatabai, Nahid - National Bureau of Economic Research (NBER) - 2014
This paper examines the distributional implications of introducing additional means testing of Social Security benefits where proceeds are used to help balance Social Security's finances. Benefits of the top quarter of households ranked according to the relevant measure of means are reduced...
Persistent link: https://www.econbiz.de/10010951055
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Are Americans and Indians More Altruistic than the Japanese and Chinese? Evidence from a New International Survey of Bequest Plans
Horioka, Charles Yuji - National Bureau of Economic Research (NBER) - 2014
This paper discusses three alternative assumptions concerning household preferences (altruism, self-interest, and a desire for dynasty building) and shows that these assumptions have very different implications for bequest motives and bequest division. After reviewing some of the literature on...
Persistent link: https://www.econbiz.de/10010951187
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Spousal Labor Market Effects from Government Health Insurance: Evidence from a Veterans Affairs Expansion
Lahey, Joanna N.; Boyle, Melissa A. - National Bureau of Economic Research (NBER) - 2014
Measuring the overall impact of public health insurance receipt is important in an era of increased access to publicly-provided and subsidized insurance. Although government expansion of health insurance to older workers leads to labor supply reductions for recipients, there may be spillover...
Persistent link: https://www.econbiz.de/10010951316