CDHA CAAR

February 23, 2022

CAAR – University of Pennsylvania, Wharton School, Pension Research Council Working Papers – February 23, 2022

Filed under: Working Papers — Tags: , , , — admin @ 5:50 pm

A. “Does financial education in high school affect retirement savings in adulthood?” by Melody Harvey and Carly Urban (WP2022-03, February 2022, .pdf format, 23p.). Note: A link to the abstract and the full-text of this paper is available at:

repository.upenn.edu/prc_papers/724/

B. “How the Pandemic Altered Americans’ Debt Burden and Retirement Readiness,” by Andrea Hasler, Annamaria Lusardi, and Olivia S. Mitchell (WP2022-04, February 2022, .pdf format, 27p.). Note: A link to the abstract and the full-text of this paper is available at:

repository.upenn.edu/prc_papers/723/

November 10, 2021

CAAR – Center for Retirement Research at Boston College Working Papers – November 10, 2021

Filed under: Working Papers — Tags: , , , — admin @ 6:00 pm

A. “How Does Debt Shape Health Outcomes for Older Americans?” by Stipica Mudrazija and Barbara A. Butrica (WP No. 2021-17, November 2021, .pdf format, 32p.). Note: A link to the abstract and the full-text of this paper is available at:

crr.bc.edu/working-papers/how-does-debt-shape-health-outcomes-for-older-americans/

B. “Is Demand for Older Workers Adjusting to an Aging Labor Force?” by Damir Cosic and C. Eugene Steuerle (WP No. 2021-18, November 2021, .pdf format, 37p.). Note: A link to the abstract and the full-text of this paper is available at:

crr.bc.edu/working-papers/is-demand-for-older-workers-adjusting-to-an-aging-labor-force/

May 17, 2021

CAAR – US Government Accountability Office Report – May 17, 2021

Filed under: Reports and Articles — Tags: , — admin @ 2:40 pm

“Retirement Security: Debt Increased for Older Americans over Time, but the Implications Vary by Debt Type,” (GAO-21-170, April 2021, .pdf format, 89p.).

www.gao.gov/products/gao-21-170

 

January 12, 2021

CAAR – University of Michigan Retirement and Disability Research Center Working Papers – January 12, 2021

Filed under: Working Papers — Tags: , , , , , , — admin @ 6:56 pm

A. “Cognitive Ability, Cognitive Aging, and Debt Accumulation,” by Marco Angrisani, Jeremy Burke, and Arie Kapteyn (WP 2020-411, September 2020, .pdf format, 40p.). Note: A link to the abstract and the full-text of this paper is available at:

mrdrc.isr.umich.edu/pubs/cognitive-ability-cognitive-aging-and-debt-accumulation/

B. “The Impact of Growing Health and Mortality Inequalities on Lifetime Social Security Payouts,” by Péter Hudomiet, Michael Hurd, and Susann Rohwedder (WP 2020-412, September 2020, .pdf format, 54p.). Note: A link to the abstract and the full-text of this paper is available at:

mrdrc.isr.umich.edu/pubs/the-impact-of-growing-health-and-mortality-inequalities-on-lifetime-social-security-payouts/

December 23, 2020

CAAR – University of Michigan Retirment and Disability Research Center Working Papers – December 23, 2020

Filed under: Working Papers — Tags: , , , — admin @ 6:18 pm

A. “Estimating the Macroeconomic Effects of Each Totalization Agreement,” by Ananth Seshadri and Junjie Guo (WP2020-408, September 2020, .pdf format, 29p.). Note: A link to the abstract and the full-text of this paper is available at:

mrdrc.isr.umich.edu/pubs/estimating-the-macroeconomic-effects-of-each-totalization-agreement/

B. “The Risk of High Out-of-Pocket Health Spending among Older Americans,” by Helen Levy (WP 2020-409, September 2020, .pdf format, 26p.). Note: A link to the abstract and the full-text of this paper is available at:

mrdrc.isr.umich.edu/pubs/the-risk-of-high-out-of-pocket-health-spending-among-older-americans/

C. “Cognitive Ability, Cognitive Aging, and Debt Accumulation,” by Marco Angrisani, Jeremy Burke, and Arie Kapteyn (WP 2020-411, September 2020, .pdf format, 40p.). Note: A link to the abstract and the full-text of this paper is available at:

mrdrc.isr.umich.edu/pubs/cognitive-ability-cognitive-aging-and-debt-accumulation/

December 22, 2020

CAAR – National Bureau of Economic Research Working Papers – December 22, 2020

Filed under: Working Papers — Tags: , — admin @ 7:06 pm

Links to an abstract are available. For full text availability check your organization’s library.

A. “Understanding Debt in the Older Population,” by Annamaria Lusardi, Olivia S. Mitchell & Noemi Oggero (w28236, December 2020, .pdf format, 30p.).

www.nber.org/papers/w28236

B. “A Unified Model of Cohort Mortality for Economic Analysis,” by Adriana Lleras-Muney & Flavien E. Moreau (w28193, December 2020, .pdf format, 50p.).

www.nber.org/papers/w28193

December 21, 2020

CAAR – Employee Benefit Research Institute Issue Brief – December 21, 2020

Filed under: Reports and Articles — Tags: , — admin @ 6:24 pm

“Who Is Most Vulnerable to the Ticking Debt Time Bomb in Retirement: Families With the Oldest, Black/African American, and Hispanic Family Heads,” by Craig Copeland (December 2020, .pdf format, 25p.). Note: EBRI requires free registration to access full-text issue brief.

www.ebri.org/content/who-is-most-vulnerable-to-the-ticking-debt-time-bomb-in-retirement-families-with-the-oldest-black-african-american-and-hispanic-family-heads

April 27, 2020

CAAR – Institute for the Study of Labor (IZA) [University of Bonn, Germany] Working Papers – April 27, 2020

Filed under: Working Papers — Tags: , , , — admin @ 5:28 pm

A. “Is Rising Household Debt Affecting Retirement Decisions?” by Barbara A. Butrica and Nadia S Karamcheva (Discussion Paper No. 13182, April 2020, .pdf format, 47p.). Note: Links to the abstract and the full text of this paper available at:

www.iza.org/publications/dp/13182

B. “Does Early Access to Pension Wealth Improve Health?” by Seonghoon Kim and Kanghyock Koh (Discussion Paper No. 13184, April 2020, .pdf format, 32p.). Note: Links to the abstract and the full text of this paper available at:

www.iza.org/publications/dp/13184

March 16, 2020

CAAR – Employee Benefits Research Institute Issue Brief – March 16, 2020

Filed under: Reports and Articles — Tags: — admin @ 6:22 pm

“The Impact of Rising Household Debt Among Older Americans,” by Zahra Ebrahimi (March 2020, .pdf format, 22p.). Note: EBRI requires free registration prior to providing access to content.

www.ebri.org/content/the-impact-of-rising-household-debt-among-older-americans

October 9, 2019

CAAR – University of Pennsylvania, Wharton School, Pension Research Council Working Papers – October 9, 2019

Filed under: Working Papers — Tags: , , , , , — admin @ 5:27 pm

A. “How Much Should the Poor Save for Retirement? Data and Simulations on Retirement Income Adequacy Among Low-Earning Households,” by Andrew G. Biggs (wp2019-15, May 2019, .pdf format, 29p.). Note: Links to the abstract and the full text of this paper available at:

repository.upenn.edu/prc_papers/537/

B. “Financial Well-being of State and Local Government Retirees in North Carolina,” by Robert L. Clark and Siyan Liu (WP2019-16, May 2019, .pdf format, 34p.). Note: Links to the abstract and the full text of this paper available at:

repository.upenn.edu/prc_papers/538/

C. “Household Debt and Aging in Japan,” by Charles Yuji Horioka and Yoko Niimi (WP2019-17, May 2019, .pdf format, 32p.). Note: Links to the abstract and the full text of this paper available at:

repository.upenn.edu/prc_papers/539/

October 1, 2019

CAAR – University of Pennsylvania, Wharton School, Pension Research Council Working Papers – October 4, 2019

Filed under: Working Papers — Tags: , , , — admin @ 5:39 pm

A. “Financial Distress among the Elderly: Bankruptcy Reform and the Financial Crisis,” by Wenli Li and Michelle J. White (WP2019-11, May 2019, .pdf format, 28p.). Note: Links to the abstract and the full text of this paper available at:

repository.upenn.edu/prc_papers/533/

B. “Mortgage Foreclosures and Older Americans: A Decade after the Great Recession,” by Lori A. Trawinski (WP2019-12, May 2019, .pdf format, 16p.). Note: Links to the abstract and the full text of this paper available at:

repository.upenn.edu/prc_papers/534/

C. “Paying it Back: Real-World Debt Service Trends and Implications for Retirement Planning,” by Anne Lester, Katherine Santiago, Je Oh, Livia Wu, and Ekaterina Chegaeva (WP2019-13, May 2019, .pdf format, 26p.). Note: Links to the abstract and the full text of this paper available at:

repository.upenn.edu/prc_papers/535/

D. “Is Rising Household Debt Affecting Retirement Decisions?” by Barbara A. Butrica and Nadia S. Karamcheva (WP2019-14, May 2019, .pdf format, 47p.). Note: Links to the abstract and the full text of this paper available at:

repository.upenn.edu/prc_papers/536/

September 26, 2019

CAAR – University of Pennsylvania, Wharton School, Pension Research Council Working Papers – September 26, 2019

Filed under: Working Papers — Tags: , , , — admin @ 5:00 pm

A. “Debt Close to Retirement and Its Implications for Retirement Well-being,” by Annamaria Lusardi, Olivia S. Mitchell, and Noemi Oggero (WP2019-8, May 2019, .pdf format, 22p.). Note: Links to the abstract and the full text of this paper available at:

repository.upenn.edu/prc_papers/529/

B. “The Graying of American Debt,” by Meta Brown, Donghoon Lee, Joelle Scally, and Wilbert van der Klaauw (WP2019-9, May 2019, .pdf format, 39p.). Note: Links to the abstract and the full text of this paper available at:

repository.upenn.edu/prc_papers/531/

C. “The Risk of Financial Hardship in Retirement: A Cohort Analysis,” by Jason Brown, Karen Dynan, and Theodore Figinski (WP2019-10, May 2019, .pdf format, 41p.). Note: Links to the abstract and the full text of this paper available at:

repository.upenn.edu/prc_papers/532/

April 4, 2019

CAAR – Statistics Canada/Statistique Canada Report – April 4, 2018

Filed under: Reports and Articles — Tags: , — admin @ 4:52 pm

“Debt and assets among senior Canadian families,” by Sharanjit Uppal (April 2019, .pdf and HTML format, 19p.).

www150.statcan.gc.ca/n1/pub/75-006-x/2019001/article/00005-eng.htm

November 1, 2018

CAAR – University of Pennsylvania, Wharton School, Pension Research Council Working Paper – November 1, 2018

Filed under: Working Papers — Tags: , , — admin @ 3:51 pm

“Understanding Debt at Older Ages and Its Implications for Retirement Well-being,” by Annamaria Lusardi, Olivia S. Mitchell, and Noemi Oggero (WP 2018-11, October 2018, .pdf format, 39p.). Note: Links to the abstract and the full text of the paper available at:

pensionresearchcouncil.wharton.upenn.edu/understanding-debt-at-older-ages-and-its-implications-for-retirement-well-being/

March 19, 2018

CAAR – Employee Benefit Research Institute Issue Brief – March 19, 2018

Filed under: Reports and Articles — Tags: , — admin @ 4:45 pm

“Debt of the Elderly and Near Elderly, 1992–2016,” by Craig Copeland (Issue Brief No. 443, March 2018, .pdf format, 24p.).

www.ebri.org/pdf/briefspdf/EBRI_IB_443.pdf

August 17, 2017

CAAR – National Bureau of Economic Research Working Papers – August 17, 2017

Filed under: Working Papers — Tags: , , , , — admin @ 4:49 pm

Links to an abstract are available. For full text availability check your organization’s library.

A. “Debt and Financial Vulnerability on the Verge of Retirement,” by Annamaria Lusardi, Olivia S. Mitchell, and Noemi Oggero (w23664, August 2017, .pdf format, 41p.).

www.nber.org/papers/w23664

B. “Survival Ambiguity and Welfare,” by Frank N. Caliendo, Aspen Gorry, and Sita Slavov (w23668, August 2017, .pdf format, 34p.).

www.nber.org/papers/w23648

September 19, 2016

CAAR – Center for Retirement Research at Boston College Working Papers – September 19, 2016

Filed under: Working Papers — Tags: , , , — admin @ 4:57 pm

A. “What Are the Effects of Doubling Up on Retirement Income and Assets?” by Deirdre Pfeiffer, Katrin B. Anacker and Brooks Louton (WP No. 2016-10, September 2016, .pdf format, 53p.). Note: Links to the abstract and the full text of the paper available at:

crr.bc.edu/working-papers/what-are-the-effects-of-doubling-up-on-retirement-income-and-assets-2/

B. “How Does Student Debt Affect Early-Career Retirement Saving?” by Matthew S. Rutledge, Geoffrey T. Sanzenbacher and Francis M. Vitagliano (WP No. 2016-9, September 2016, .pdf format, 33p.). Note: Links to the abstract and the full text of the paper available at:

crr.bc.edu/working-papers/how-does-student-debt-affect-early-career-retirement-saving/

September 7, 2016

CAAR – National Bureau of Economic Research Working Paper – September 7, 2016

Filed under: Working Papers — Tags: , , — admin @ 4:39 pm

Links to an abstract are available. For full text availability check your organization’s library.

A. “The Welfare Cost of Retirement Uncertainty,” by Frank N. Caliendo, Maria Casanova, Aspen Gorry, and Sita Slavov (w22609, September 2016, .pdf format, 58p.).

www.nber.org/papers/w22609

B. “Older Women’s Labor Market Attachment, Retirement Planning, and Household Debt,” by Annamaria Lusardi and Olivia S. Mitchell (w22606, September 2016, .pdf format, 36p.).

www.nber.org/papers/w22606

February 3, 2016

CAAR – Center for Retirement Research at Boston College Issue Brief – February 3, 2016

Filed under: Reports and Articles — Tags: , , — admin @ 4:43 pm

“Will the Explosion of Student Debt Widen the Retirement Security Gap?” by Alicia H. Munnell, Wenliang Hou, and Anthony Webb (IB No. 16-2, February 2016, .pdf format, 7p.).

crr.bc.edu/briefs/will-the-explosion-of-student-debt-widen-the-retirement-security-gap/

January 29, 2015

CAAR – Employee Benefit Research Institute Periodical – January 29, 2015

Filed under: Reports and Articles — Tags: , — admin @ 3:49 pm

EBRI Notes (Vol. 36, No. 1, January 2015, .pdf format, 15p.). Note: The title article of this issue is “Debt of the Elderly and Near Elderly, 1992–2013,” by Craig Copeland; and, “Maximizing Contributions to an HSA: Findings from the EBRI HSA Database,” by Paul Fronstin.

www.ebri.org/publications/notes/index.cfm?fa=notesDisp&content_id=5480

October 29, 2014

CAAR – Institute of Economic Affairs [London, UK] Report – October 29, 2014

Filed under: Reports and Articles — Tags: , — admin @ 4:40 pm

“Defusing the debt timebomb: challenges and solutions,” by Philip Booth and Ryan Bourne (October 2014, .pdf format, 30p.).

www.iea.org.uk/publications/research/defusing-the-debt-timebomb-challenges-and-solutions

September 10, 2014

CAAR – US Senate Special Committee on Aging Hearing Testimony – September 10, 2014

Filed under: Legislation Information Updates — Tags: — admin @ 4:39 pm

“Indebted for Life: Older Americans and Student Loan Debt,” a hearing held September 10, 2014 (witness statements available in .pdf format, video of the full hearing available at the site, running time 1 hour 11 minutes). Note: Hearing begins at the 17:58 mark.

www.aging.senate.gov/hearings/indebted-for-life-older-americans-and-student-loan-debt

January 21, 2014

CAAR – International Longevity Centre Report – January 21, 2014

Filed under: Reports and Articles — Tags: , — admin @ 4:33 pm

“Demystifying non-mortgage borrowing in older age: a longitudinal approach,” by Andrea Finney and David Sinclair (January 2014, .pdf format, 28p.).

www.ilcuk.org.uk/index.php/publications/publication_details/demystifying_non_mortgage_borrowing_in_older_age_a_longtudinal_approach

January 2, 2014

CAAR – Center for Retirement Research at Boston College Working Papers – January 2, 2014

Filed under: Reports and Articles — Tags: , , — admin @ 4:18 pm

A. “Impact of the Great Recession on Retirement Trends in Industrialized Countries,” by Gary Burtless and Barry P. Bosworth (WP 2013-23, December 2013, .pdf format, 15p.). Note: Links to the abstract and full-text can be found at:

crr.bc.edu/working-papers/impact-of-the-great-recession-on-retirement-trends-in-industrialized-countries/

B. “Does Household Debt Influence the Labor Supply and Benefit Claiming Decisions of Older Americans?” by Barbara A. Butrica and Nadia S. Karamcheva (WP 2013-22, December 2013, .pdf format, 47p.). Note: Links to the abstract and full-text can be found at:

crr.bc.edu/working-papers/does-household-debt-influence-the-labor-supply-and-benefit-claiming-decisions-of-older-americans-2/

December 26, 2013

CAAR – Michigan Retirement Research Center Working Papers – December 26, 2013

Filed under: Working Papers — Tags: , , , , , — admin @ 4:36 pm

A. “Does Retirement Induced through Social Security Pension Eligibility Influence Subjective Well-being? A Cross-Country Comparison,” by Arie Kapteyn, Jinkook Lee and Gema Zamarro (WP 2013-301, October 2013, .pdf format, 18p.). Note: Links to the abstract and full-text can be found at:

www.mrrc.isr.umich.edu/publications/index_abstract.cfm?ptid=1&pid=960

B. “Expectations and Household Spending,” by Michael Hurd and Susann Rohwedder (WP 2013-300, October 2013, .pdf format, 24p.). Note: Links to the abstract and full-text can be found at:

www.mrrc.isr.umich.edu/publications/index_abstract.cfm?ptid=1&pid=959

C. “Cognitive Ability, Expectations, and Beliefs about the Future: Psychological Influences on Retirement Decisions,” by Andrew Parker, Leandro Carvalho and Susann Rohwedder (WP 2013-298, September 2013, .pdf format, 93p.). Note: Links to the abstract and full-text can be found at:

www.mrrc.isr.umich.edu/publications/index_abstract.cfm?ptid=1&pid=955

D. “The Assets and Liabilities of Cohorts: The Antecedents of Retirement Security,” by J. Michael Collins, John Karl Scholz and Ananth Seshadri (WP 2013-296, October 2013, .pdf format, 54p.). Note: Links to the abstract and full-text can be found at:

www.mrrc.isr.umich.edu/publications/index_abstract.cfm?ptid=1&pid=958

E. “Costs and Benefits of In-Kind Transfers: The Case of Medicaid Home Care Benefits,” by Ethan Lieber and Lee Lockwood (WP 2013-294, October 2013, .pdf format, p.). Note: Links to the abstract and full-text can be found at:

www.mrrc.isr.umich.edu/publications/index_abstract.cfm?ptid=1&pid=957

F. “How Family Status and Social Security Claiming Options Shape Optimal Life Cycle Portfolios,” by Andreas Hubener, Raimond H. Maurer and Olivia S. Mitchell (WP 2013-293, October 2013, .pdf format, 46p.). Note: Links to the abstract and full-text can be found at:

www.mrrc.isr.umich.edu/publications/index_abstract.cfm?ptid=1&pid=954

G. “Health Insurance and Retirement Decisions,” by John Karl Scholz and Ananth Seshadri (WP 2013-292, September 2013, .pdf format, 60p.). Note: Links to the abstract and full-text can be found at:

www.mrrc.isr.umich.edu/publications/index_abstract.cfm?ptid=1&pid=956

December 19, 2013

CAAR – International Longevity Centre [UK] Report – December 19, 2013

Filed under: Reports and Articles — Tags: , — admin @ 4:05 pm

“Demystifying non-mortgage borrowing in older age: a longtudinal approach,” (December 2013, .pdf format, 28p.).

www.ilcuk.org.uk/index.php/publications/publication_details/demystifying_non_mortgage_borrowing_in_older_age_a_longtudinal_approach

December 10, 2013

CAAR – University of Michigan Retirement Research Center Working Papers – December 10, 2013

Filed under: Working Papers — Tags: , , — admin @ 4:28 pm

A. “Evaluating Web-based Savings Interventions: A Preliminary Assessment,” by Wei-Yin Hu, Olivia S. Mitchell, Cynthia Pagliaro and Stephen P. Utkus (WP 2013-299, October 2013, .pdf format, 23p.). Note: Links to the abstract and full-text can be found at:

www.mrrc.isr.umich.edu/publications/index_abstract.cfm?ptid=1&pid=948

B. “Older Adult Debt and Financial Frailty,” by Annamaria Lusardi and Olivia S. Mitchell (WP 2013-291, September 2013, .pdf format, 23p.). Note: Links to the abstract and full-text can be found at:

www.mrrc.isr.umich.edu/publications/index_abstract.cfm?ptid=1&pid=946

September 30, 2013

CAAR – International Longevity Centre [UK] Report – September 30, 2013

Filed under: Reports and Articles — Tags: , — admin @ 4:33 pm

“The mortgage debt of older households and the effect of age: An analysis using the Wealth and Assets Survey 2008-10,” (September 2013, .pdf format, 11p.).

www.ilcuk.org.uk/index.php/publications/publication_details/the_mortgage_debt_of_older_households_and_the_effect_of_age

February 21, 2013

CAAR – Employee Benefit Research Institute Periodical – February 21, 2013

Filed under: Reports and Articles — Tags: , — admin @ 3:26 pm

EBRI Notes (Vol. 34, No. 2, February 2013, .pdf format). Note: There are two articles in this issue: “Debt of the Elderly and Near Elderly, 1992-2010,” by Craig Copeland; and, “Employer and Worker Contributions to Health Reimbursement Arrangements and Health Savings Accounts, 2006-2012,” by Paul Fronstin.

www.ebri.org/publications/notes/index.cfm?fa=notesDisp&content_id=5166

January 15, 2013

CAAR – AARP Reports – January 15, 2013

Filed under: Reports and Articles — Tags: , , — admin @ 4:25 pm

A. “Building Lifetime Middle Class Security,” by Donald L. Redfoot, Susan C. Reinhard, and Debra B. Whitman (January 2013, .pdf format, 24p.).

www.aarp.org/research/ppi/security/building-lifetime-middle-class-security-AARP-ppi-sec/

B. “What are the Retirement Prospects of Middle-Class Americans?” by Barbara A. Butricia and Mikki D. Waid (January 2013, .pdf format, 32p.).

www.aarp.org/research/ppi/security/retirement-prospects-middle-class-AARP-ppi-sec/

C. “Assets and Debt across Generations: The Middle Class Balance Sheet 1989-2010,” by Lori A. Trawinski (January 2013, .pdf format, 47p.).

www.aarp.org/research/ppi/security/middle-class-balance-sheet-1989-2010-AARP-ppi-sec/

D. “Tracking the Decline: Middle-Class Security in the 2000s,” by Tatjana Meschede, Laura Sullivan, Donald L. Redfoot, and Enid Kassner (January 2013, .pdf format, 15p.).

www.aarp.org/research/ppi/security/tracking-the-decline-middle-class-security-in-the-2000s-AARP-ppi-sec/

E. “The Elusive Middle in America – What Has Happened to Middle-Class Income?” by Gary Koenig (January 2013, .pdf format, 10p.).

www.aarp.org/research/ppi/security/the-elusive-middle-in-america-what-has-happened-to-middle-class-AARP-ppi-sec/

F. “In the Red: Older Americans and Credit Card Debt,” by Amy Traub (January 2013, .pdf format, 15p.).

www.aarp.org/research/ppi/security/in-the-red-older-americans-credit-card-debt-AARP-ppi-sec/

G. “The Effects of Rising Health Care Costs on Middle-Class Economic Security,” by Harriet Komisar (January 2013, .pdf format, 18p.).

www.aarp.org/research/ppi/security/impacts-of-rising-healthcare-costs-AARP-ppi-sec/

H. “Loss of Housing Affordability Threatens Financial Stability for Older Middle-Class Adults,” by Rodney Harrell and Shannon G. Guzman (January 2013, .pdf format, 7p.).

www.aarp.org/research/ppi/security/loss-of-housing-affordability-threatens-financial-stability-for-older-middle-income-AARP-ppi-sec/

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