Retirement policies are individually designed but the majority of people of retirement age live as couples. We estimate …'s unobserved heterogeneity. We conclude that the reform immediately reduced both spouses' retirement probability. The wife …'s retirement probability also drops by 1 to 4 percentage points if the husband is hit by the reform, and vice-versa. Instrumenting …

-mandatory retirement savings. Therefore we analyze the intra-household allocation of retirement savings between partners in Germany taking … model, showing that the possession of retirement saving accounts among spouses is positively correlated, hinting at a …. These results additionally show a "crowding-in" of total retirement savings amounts between spouses, probably due to some …