A SCHOLARLY BOOK REPOSITORY
Specific topics include the effect of labor market rigidities on the employment of older workers; the effect on retirement of the availability of continuation coverage benefits; and the influence of the prospective payment system (PPS) on rising Medicare costs. Also considered are the effects of health and wealth on living arrangement decisions; the incentive effects of employer-provided pension plans; the degree of substitution between 401(k) plans and other employer-provided retirement saving arrangements; and the extent to which housing wealth determines how much the elderly save and consume.
Two final studies use simulations that describe the implications of stylized economic models of behavior among the elderly. This timely volume will be of interest to anyone concerned with the economics of aging.
The number of Americans eligible to receive Social Security benefits will increase from forty-five million to nearly eighty million in the next twenty years. Retirement systems must therefore adapt to meet the demands of the largest aging population in our nation’s history. In Developments in the Economics of Aging, David A. Wise and a distinguished group of analysts examine the economic issues that will confront policy makers as they seek to design policies to protect the economic and physical health of these older Americans.
The volume looks at such topics as factors influencing work and retirement decisions at older ages, changes in life satisfaction associated with retirement, and the shift in responsibility for managing retirement assets from professional money managers of traditional pension plans to individual account holders of 401(k)s. Developments in the Economics of Aging also addresses the complicated relationship between health and economic status, including why health behaviors vary across populations and how socioeconomic measures correlate with health outcomes.
The Economics of Aging presents results from an ongoing National Bureau of Economic Research project. Contributors consider the housing mobility and living arrangements of the elderly, their labor force participation and retirement, the economics of their health care, and their financial status. The goal of the research is to further our understanding both of the factors that determine the well-being of the elderly and of the consequences that follow from an increasingly older population with longer individual life spans. Each paper is accompanied by critical commentary.
Mizrahi observed and interviewed these physicians in six timeframes ending in 2016. Beginning with medical school in the mid-1970s, these physicians reveal the myriad fluctuations and uncertainties in their professional practice, working conditions, collegial relationships, and patient interactions. In their own words, they provide a “view from the front lines” both in academic and community settings. They disclose the satisfactions and strains in coping with macro policies enacted by government and insurance companies over their career trajectory.
They describe their residency in internal medicine in a large southern urban medical center as a “siege mentality” which lessened as they began their careers, in Getting Rid of Patients, the title of Mizrahi’s first book (1986). As these doctors moved on in their professional lives more of their experiences were discussed in terms of dissatisfaction with financial remuneration, emotional gratification, and intellectual fulfillment. Such moments of career frustration, however, were also interspersed with moments of satisfaction at different stages of their medical careers. Particularly revealing was whether they were optimistic about the future at each stage of their career and whether they would recommend a medical career to their children. Mizrahi's subjects also divulge their private feelings of disillusionment and fear of failure given the malpractice epidemic and lawsuits threatened or actually brought against so many doctors. Mizrahi’s work, covering almost fifty years, provides rarely viewed insights into the lives of physicians over a professional life span.
Frontiers in the Economics in Aging directs attention to four topics: the role of retirement accounts, such as IRAs and 401(k)s in personal saving; the economics of health care; new advances in research methodology; and aging in relation to inequality. Some of the issues analyzed within these topics are the implications of rising personal retirement saving in recent years, how health and health insurance affect labor supply, and the effects of pensions on the distribution of wealth.
David Wise's lucid introduction provides an overview of each paper. In addition to this book's appeal for specialists and microeconomists, it offers immediately practical ideas and methods for shaping public policy. In fact, one of the papers in this volume, "The Taxation of Pensions: A Shelter Can Become a Trap," helped to spur new legislation that reformed laws on pension distribution.
Within the next twenty years, an unprecedented proportion of Americans will be over sixty-five. New research in the economics of aging is an essential element of understanding what the future holds for this aging population. Inquiries in the Economics of Aging presents both empirical papers that consider questions that are fundamental to public policy and more theoretical contributions that lay new groundwork for future research in the economics of aging.
Inquiries in the Economics of Aging provides a timely overview of some of the most important questions facing researchers on aging and outlines new techniques and models that may help to answer these questions. This important volume will be of great interest to specialists and policy makers as it paves the way for future analysis.
This superb collection includes poems by men and women ranging in age from their fifties to their eighties and hailing from different cities, regions, and countries. The entire range of emotions and literary perspectives is represented here, whether the specter of death in Doug Anderson’s “Sixty One” or a sly grin in Roger Pfingston’s “Retired.”
Each poet—whether retired or just contemplating retirement—greets the prospect of this new chapter of life differently. George Bilgere purchases the complete works of Verdi and extravagant silk shirts, while Denise Levertov contemplates life alone. Alicia Ostriker implores readers to “keep on fighting, keep up the good work,” and Alberto Ríos recalls a lost love. However we contemplate retirement, this volume will illuminate the careful thoughts of those who have faced these questions before us.
Contributors Include:
Werner Aspenstrom, Chana Bloch, Philip Booth, Hayden Carruth, Lucille Clifton, Ruth Daigon, Susan Elbe, Sam Hamill, Mark Irwin, klipschutz, Ted Kooser, Maxine Kumin, Richard Moore, Naomi Shihab Nye, Grace Paley, Robert Pinsky, Carol Potter, Ishmael Reed, Claudette Mork Sigg, Ronald Wallace
Examining the changes in savings behavior and investment priorities in the United States over the past few decades, contributors to the volume point to a dramatic shift from employer-managed, defined benefit pensions to employee-controlled retirement savings plans. Further, the legislative reforms of the 1980s and the booming stock market of the 1990s did their share to influence individual wealth accumulation patterns of Americans.
These studies also explore the relationship between health status and economic status. Considering issues like pension income and health, mortality, and medical care, contributors present evidence from the United States, Britain, South Africa, and Russia. The volume culminates with wide-ranging discussions on a number of key topics in the field including the innovations that have contributed to a decline in mortality rates; the various medical advances that have benefited populations over time; and the determinants of expenditures on health. The findings with regard to cross-sectional differences in health outcomes and health care utilization also pose troubling questions for policymakers seeking to democratize health care across regions and races.
Eighty million baby boomers are heading toward retirement. Some are retiring now, either out of choice or because they have been laid off. Others will work for a few more years until their retirement plans kick in, until they feel they can retire, or until they're forced to retire. Whatever their age at retirement, they will have better health and live longer than their parents. And each of them will face these questions:
•Do I want a reason to get up in the morning and be excited about the day ahead?•Do I still want to make a difference in the world?
They need a vision—a goal that takes into account their experience, wisdom, strengths, and limitations, and gives purpose to their lives.
Dr. Harold G. Koenig, with expertise in the fields of geriatrics, mental health, and religion, explains that the notion of retirement was in fact a marketing tool developed in the post–World War II period. Continuing today, society's image of retirement is based largely on myths, such as: things will get better when you retire—you'll be able to do everything you wanted to but couldn't when you worked. In fact, these beliefs can be harmful, leading to emotional issues, identity crises, and problems with physical health.
Citing current scientific and medical research, Koenig illustrates how having a purpose motivates and energizes people in their retirement years. He presents a step-by-step guide to identifying a goal toward which they can strive. And he shows how striving for that goal in itself brings meaning, satisfaction, and a sense of reward to retirement years.
"Finding purpose is more urgent than ever during the retirement years, when the search for purpose becomes one of the deepest of human longings," says Koenig. His Purpose and Power in Retirement is an invaluable resource for everyone heading toward retirement, and for anyone seeking meaning in life.
Drawing on the work of an international group of noted economists, the editors argue that social security programs provide strong incentives for workers to leave the labor force by retiring and taking the benefits to which they are entitled. By penalizing work, social security systems magnify the increased financial burden caused by aging populations, thus contributing to the insolvency of the system. This book is a model of comparative analysis that evaluates the effects of illustrative policies for countries facing the impending rapid growth of social security benefits. Its insights will help inform one of the most pressing debates.
In nearly every industrialized country, large aging populations and increased life expectancy have placed enormous pressure on social security programs—and, until recently, the pressure has been compounded by a trend toward retirement at an earlier age. With a larger fraction of the population receiving benefits, in coming decades social security in many countries may have to be reformed in order to remain financially viable.
This volume offers a cross-country analysis of the effects of disability insurance programs on labor force participation by older workers. Drawing on measures of health that are comparable across countries, the authors explore the extent to which differences in the labor force are determined by disability insurance programs and to what extent disability insurance reforms are prompted by the circumstances of a country’s elderly population.
In this volume, the authors turn to a country-by-country analysis of retirement behavior based on micro-data. The result of research compiled by teams in twelve countries, the volume shows an almost uniform correlation between levels of social security incentives and retirement behavior in each country. The estimates also show that the effect is strikingly uniform in countries with very different cultural histories, labor market institutions, and other social characteristics.
Women Confronting Retirement showcases the voices of thirty-eight women from a wide range of professions, ages, and life situations as they confront the need to redefine who they are when they leave the workplace behind them. The women of the Baby Boom generation were the first to enter the professional world in large numbers, and the first to encounter the hazards of retirement. The contributors urge us to reach for new approaches to this major stage of life, to find new self-images, to balance meaningful work and creative play, and to work for the new public policies that support enhanced opportunities for retirement. Many of these women were involved in the key activist movements of the sixties and seventies, and their work often has been an extension of their social commitment. Defining themselves through their careers, they have challenged traditional models at every stage of their lives and are now being challenged by their own negative stereotypes about retirement.
The stories in this book compellingly chronicle the fears and hopes of women who have only begun to think about retirement, those who are in the process of retiring, some who have been retired for many years, and a few who have decided that retirement is not for them. They address issues such as identity, aging, creativity, family, and community. Unlike traditional “how-to” books, Women Confronting Retirement makes clear how individual the choices are, how there are no right and wrong answers to the many questions this uncharted stage of life poses for women of the Baby Boom generation, and those who follow. These women help us to explore the next steps with the same courage and questioning attitudes that they have brought to every aspect of their lives before they reached retirement age.
A damning portrait of the dire realities of retirement in the United States—and how we can fix it.
While the French went on strike in 2023 to protest the increase in the national retirement age, workers in the United States have all but given up on the notion of dignified retirement for all. Instead, Americans—whose elders face the highest risk of poverty compared to workers in peer nations—are fed feel-good stories about Walmart clerks who can finally retire because a customer raised the necessary funds through a GoFundMe campaign.
Many argue that the solution to the financial straits of American retirement is simple: people need to just work longer. Yet this call to work longer is misleading in a multitude of ways, including its endangering of the health of workers and its discrimination against people who work in lower-wage occupations. In Work, Retire, Repeat, Teresa Ghilarducci tells the stories of elders locked into jobs—not because they love to work but because they must.
But this doesn’t need to be the reality. Work, Retire, Repeat shows how relatively low-cost changes to how we finance and manage retirement will allow people to truly choose how they spend their golden years.
This is an audiobook version of this book.
A damning portrait of the dire realities of retirement in the United States—and how we can fix it.
While the French went on strike in 2023 to protest the increase in the national retirement age, workers in the United States have all but given up on the notion of dignified retirement for all. Instead, Americans—whose elders face the highest risk of poverty compared to workers in peer nations—are fed feel-good stories about Walmart clerks who can finally retire because a customer raised the necessary funds through a GoFundMe campaign.
Many argue that the solution to the financial straits of American retirement is simple: people need to just work longer. Yet this call to work longer is misleading in a multitude of ways, including its endangering of the health of workers and its discrimination against people who work in lower-wage occupations. In Work, Retire, Repeat, Teresa Ghilarducci tells the stories of elders locked into jobs—not because they love to work but because they must.
But this doesn’t need to be the reality. Work, Retire, Repeat shows how relatively low-cost changes to how we finance and manage retirement will allow people to truly choose how they spend their golden years.
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