Theodore F. Figinski
U.S. Department of the Treasury
1500 Pennsylvania Avenue, NW
Washington, D.C. 20220
Institutional Affiliation: U.S. Department of the Treasury
NBER Working Papers and Publications
|June 2020||Why Retirement, Social Security, and Age Discrimination Policies Need to Consider the Intersectional Experiences of Older Women|
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We provide an overview of research that indicates that older women face unique challenges and opportunities with respect to work, retirement, Social Security, and age discrimination law. We present estimates of poverty by age and sex, showing that poverty increases with age for women due to older women often outliving their spouses and becoming widowed. We discuss research that shows that women benefit more than men from working longer. We then note that older women face intersectional discrimination that can unfortunately be a barrier to older women working longer. We detail how older women often “fall between the cracks” of the Age Discrimination in Employment Act and Title VII of the Civil Rights Act and are thus not well protected against this intersectional discrimination. As a final ...
|October 2015||Does Eliminating the Earnings Test Increase the Incidence of Low Income Among Older Women?|
with : w21601
Reducing or eliminating Social Security’s Retirement Earnings Test (RET) can encourage labor supply of older individuals receiving benefits. However, these reforms can encourage earlier claiming of Social Security benefits, permanently lowering future benefits. We explore the consequences, for older women, of eliminating the RET from the Full Retirement Age to age 69 (in 2000), relying on the inter-cohort variation in exposure to changes in the RET to estimate these effects. The evidence is consistent with the conclusion that eliminating the RET increased the likelihood of having very low incomes among women in their mid-70s and older – ages at which the lower benefits from claiming earlier could outweigh higher income in the earlier period when women or their husbands increased their labo...
Published: Theodore Figinski & David Neumark, 2018. "Does Eliminating the Earnings Test Increase the Incidence of Low Income Among Older Women?," Research on Aging, vol 40(1), pages 27-53.