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EMF21-03: Effects of Income Payment Timing on Financial Shortfalls for Retirees and People with Disabilities
(Center for Financial Security, 2021)
A key question that this study aims to explore is whether Social Security income payment timing affects financial shortfalls. We would expect that pay cycle would not affect likelihood of financial shortfall. However, this ...
EMF21-01: Does a Requirement to Offer Retirement Plans Help Low-Income Workers Save for Retirement? An Early Evidence from the Oregon Saves Program
(Center for Financial Security, 2021)
This study examines the first implemented state-run retirement program (Auto IRA) in Oregon (OregonSaves) in 2017 and provides early evidence of the significant impact on saving for retirement among uncovered private worker. ...
EMF21-02: The Role of Health Insurance in the Latinx-White Wealth Gap in the United States
(Center for Financial Security, 2021)
Latinx people have substantially less wealth than non-Latinx, White persons in the United States. One underexplored mechanism behind this wealth gap is healthcare coverage. This study asked: How does healthcare insurance ...
WI21-04: The Changing Task Content of Jobs for Older Workers in the United States
(Center for Financial Security, 2021)
With data on occupational task content from O*NET and ORS and survey data from the American Community Survey (ACS) and 1979 National Longitudinal Survey of Youth (NLSY79), we document how the physical, cognitive, routine, ...
WI21-10: Older Adult Out-of-Pocket Pharmaceutical Spending After Home Mortgage Payoff
(Center for Financial Security, 2021)
Older adult homeowners increasingly carry mortgage debt into retirement. The share of homeowners aged 65 and older with outstanding mortgages doubled between 1989 and 2016, while the outstanding loan-to-value ratio tripled ...
WI21-11: Consequences and Response to Identity Theft Victimization among Older Americans
(Center for Financial Security, 2021)
Society’s growing reliance on technology to transfer private information has created more opportunities for identity thieves to access personal data. Research on identity theft, specifically among older adults, is virtually ...
JSIT21-01: The Effect of the SSI Student Earned Income Exclusion on Education and Labor Supply
(Center for Financial Security, 2021)
The SSI program pays about $50 billion per year to 8.7 million low-income, disabled or aged Americans, but it requires recipients to earn less than $1,673 per month to remain eligible. This income threshold can be particularly ...
JSIT21-04: The Impact of Medicaid Enrollment Expansion on the Health Well-being of Social Security Beneficiaries
(Center for Financial Security, 2021)
Medicaid is a necessary source of supplemental healthcare coverage for Social Security beneficiaries, however, there are various regulations in place regarding eligibility to receive Medicaid for these low-income people ...
WI21-07: Economic Security in Retirement: How Does Borrowing from Home Equity After a Health Shock Affect Health Outcomes?
(Center for Financial Security, 2021)
The onset of a costly disease in retirement can present a significant threat to economic security. Older adults often self-insure against these risks by accumulating wealth, including home equity. For many older adults, ...
WI21-02: Retirement in the Context of Intergenerational Transfers
(Center for Financial Security, 2021)
The literature examining the motivation for, and consequences of, retirement has tended to focus primarily on retirees and their spouses. However, since the decision to retire is deeply rooted in extended family ...