individuals corresponding to groups by gender and educational attainments we calculate the following measures: the replacement …

retirement incentive. The reduction of incentives mainly stems from the introduction of actuarial deductions for early retirement … and from the abolishment of specific early retirement pathways …

This paper examines the role of employer provided health insurance in the retirement decisions of dual working couples … factor in their retirement decisions. We determine if access to retiree health insurance for early retirement enables couples … to time their retirement together -- a behavior called "joint retirement." We find that wives' retiree health insurance …

is estimated using data from the Health and Retirement Study. We compare results based on our model to results based on … the normal retirement age, eliminating early retirement altogether and eliminating the Social Security Disability …

Retirement Survey to estimate the parameters of the model using structural methods. Simulations based on the estimates imply that …

We propose using penalized withdrawals from retirement savings accounts, identified from U.S. tax records, as a …

would expect that wealth accumulated before retirement would be used to augment consumption in later life, with the … observed wealth patterns after retirement for singles …

. CPS and Health and Retirement Study (HRS) data indicate a corresponding difference of 3 percentage points between 1998 and … 2004. Simulations with a structural retirement model suggest changes in Social Security rules between 1992 and 2004 … men ages 65 to 67. These rule changes encourage deferring retirement from long term jobs, returning to full time work …

The simple one-good model of life-cycle consumption requires that consumption be continuous over retirement; yet prior … research based on partial measures of consumption or on synthetic panels indicates that spending drops at retirement, a result … that has been called the retirement-consumption puzzle. Using panel data on total spending, nondurable spending and food …

This paper summarizes five facts that have emerged from the recent literature on consumption behavior during retirement … they transition into retirement. In particular, the literature has shown that there is substantial heterogeneity in … spending changes at retirement across consumption categories. The declines in spending during retirement for the average …