The state of being retired from one's position or occupation.
Fixed sums paid regularly to individuals.
The state of being engaged in an activity or service for wages or salary.
Housing arrangements for the elderly or aged, intended to foster independent living. The housing may take the form of group homes or small apartments. It is available to the economically self-supporting but the concept includes housing for the elderly with some physical limitations. The concept should be differentiated from HOMES FOR THE AGED which is restricted to long-term geriatric facilities providing supervised medical and nursing services.
The level of health of the individual, group, or population as subjectively assessed by the individual or by more objective measures.
A change or shift in personnel due to reorganization, resignation, or discharge.
Persons with physical or mental disabilities that affect or limit their activities of daily living and that may require special accommodations.
The process of assigning duties to a subordinate with lesser qualifications.
Crafts, trades, professions, or other means of earning a living.
Personal satisfaction relative to the work situation.
Studies in which variables relating to an individual or group of individuals are assessed over a period of time.
Government sponsored social insurance programs.
Insurance providing coverage for dental care.
Medical specialty concerned with the promotion and maintenance of the physical and mental health of employees in occupational settings.
The availability of HEALTH PERSONNEL. It includes the demand and recruitment of both professional and allied health personnel, their present and future supply and distribution, and their assignment and utilization.
Insurance designed to compensate persons who lose wages because of illness or injury; insurance providing periodic payments that partially replace lost wages, salary, or other income when the insured is unable to work because of illness, injury, or disease. Individual and group disability insurance are two types of such coverage. (From Facts on File Dictionary of Health Care Management, 1988, p207)
Age as a constituent element or influence contributing to the production of a result. It may be applicable to the cause or the effect of a circumstance. It is used with human or animal concepts but should be differentiated from AGING, a physiological process, and TIME FACTORS which refers only to the passage of time.
The state of not being engaged in a gainful occupation.
Human males as cultural, psychological, sociological, political, and economic entities.
Organizations comprising wage and salary workers in health-related fields for the purpose of improving their status and conditions. The concept includes labor union activities toward providing health services to members.
Social and economic factors that characterize the individual or group within the social structure.
Diseases caused by factors involved in one's employment.
Payment by individuals or their family for health care services which are not covered by a third-party payer, either insurance or medical assistance.
Professional practice as an employee or contractee of a health care institution.
Health insurance plans for employees, and generally including their dependents, usually on a cost-sharing basis with the employer paying a percentage of the premium.
Health insurance to provide full or partial coverage for long-term home care services or for long-term nursing care provided in a residential facility such as a nursing home.
The upward or downward mobility in an occupation or the change from one occupation to another.
Professional society representing the field of medicine.
Criteria to determine eligibility of patients for medical care programs and services.
The gradual irreversible changes in structure and function of an organism that occur as a result of the passage of time.
Diseases of the muscles and their associated ligaments and other connective tissue and of the bones and cartilage viewed collectively.
The individual's experience of a sense of fulfillment of a need or want and the quality or state of being satisfied.
Statement of the position requirements, qualifications for the position, wage range, and any special conditions expected of the employee.
The total amount of work to be performed by an individual, a department, or other group of workers in a period of time.
Works containing information articles on subjects in every field of knowledge, usually arranged in alphabetical order, or a similar work limited to a special field or subject. (From The ALA Glossary of Library and Information Science, 1983)
Based on known statistical data, the number of years which any person of a given age may reasonably expected to live.
NATIONAL LIBRARY OF MEDICINE service for health professionals and consumers. It links extensive information from the National Institutes of Health and other reviewed sources of information on specific diseases and conditions.
The number of births in a given population per year or other unit of time.
Unforeseen occurrences, especially injuries in the course of work-related activities.
An office in the Department of Labor responsible for developing and establishing occupational safety and health standards.
Women licensed to practice medicine.
The process of making a selective intellectual judgment when presented with several complex alternatives consisting of several variables, and usually defining a course of action or an idea.
Married persons, i.e., husbands and wives, or partners. Domestic partners, or spousal equivalents, are two adults who have chosen to share their lives in an intimate and committed relationship, reside together, and share a mutual obligation of support for the basic necessities of life.
The obtaining and management of funds for institutional needs and responsibility for fiscal affairs.
Time period from 1901 through 2000 of the common era.
Use for articles on the investing of funds for income or profit.
Status not subject to taxation; as the income of a philanthropic organization. Tax-exempt organizations may also qualify to receive tax-deductible donations if they are considered to be nonprofit corporations under Section 501(c)3 of the United States Internal Revenue Code.

Failing firefighters: a survey of causes of death and ill-health retirement in serving firefighters in Strathclyde, Scotland from 1985-94. (1/444)

During the decade beginning 1 January 1985, 887 full-time firefighters, all male, left the service of Strathclyde Fire Brigade (SFB). There were 17 deaths--compared to 64.4 expected in the Scottish male population aged 15-54 years--giving a standardized mortality ratio (SMR) of 26, and 488 ill-health retirements (IHR). None of the deaths was attributable to service, the major causes being: myocardial infarction--five, (expected = 17.3; SMR = 29); cancers--three (colon, kidney and lung) (expected = 13.6; SMR = 22); road traffic accidents--two (expected = 4.17; SMR = 48) and suicide--two (expected = 4.9; SMR = 41). Amalgamating the deaths and IHRs showed that the six most common reasons for IHR were musculoskeletal (n = 202, 40%), ocular (n = 61, 12.1%), 'others' (n = 58, 11.5%), injuries (n = 50, 9.9%), heart disease (n = 48, 9.5%) and mental disorders (n = 45, 8.9%). Over 300 IHRs (over 60%) occurred after 20 or more years service. When the IHRs were subdivided into two quinquennia, there were 203 and 302 in each period. Mean length of service during each quinquennium was 19.4 vs. 21.3 years (p = 0.003) and median length was 21 years in both periods; interquartile range was 12-26 years in the first and 17-27 years in the second period (p = 0.002), but when further broken down into diagnostic categories, the differences were not statistically significant, with the exception of means of IHRs attributed to mental disorders (14.5 vs. 19 years, p = 0.03).  (+info)

Shaping the future of Medicare. (2/444)

This article suggests that further major changes in Medicare at this time are unwarranted. The enactment of the Balanced Budget Act (BBA) has eliminated the need for quick action to assure solvency of the Part A Trust Fund, which is projected to be in balance for at least ten years. It will take time to implement and assess the effects of the BBA. The uncertainties of future trends in the health sector and Medicare suggest a go-slow approach. Future reforms to finance health care as the baby boom generation retires should be guided by the goals of continuing to assure health and economic security to elderly and disabled beneficiaries, with particular attention to the financial burdens on lower-income beneficiaries and those with serious illnesses or chronic conditions. Employers are cutting back on retiree health coverage, and the appropriate contribution of employers will need to be addressed. The BBA included major provisions to expand Medicare managed care choices. Special attention will need to be given to how well these innovations work, their cost impact on Medicare, the extent to which beneficiaries are able to make informed choices, and whether risk selection among plans and between traditional Medicare and plans can be adequately addressed. Most of the savings of BBA came from tighter payment rates to managed care plans and fee-for-service providers; it is unclear whether these will lead to rates well below the private sector or whether further savings can be achieved by extending these changes beyond 2002.  (+info)

Transitions in employment, morbidity, and disability among persons ages 51-61 with musculoskeletal and non-musculoskeletal conditions in the US, 1992-1994. (3/444)

OBJECTIVE: To provide estimates of the prevalence of musculoskeletal conditions in a sample of persons ages 51-61 living in the community in the US in 1992, to indicate the incidence of such conditions between 1992 and 1994, and to describe the proportion of individuals with these conditions who developed or recovered from disability and who left and entered employment during this time. METHODS: The estimates were derived from the Health and Retirement Survey, consisting of data on a national probability sample of 8,739 persons, ages 51-61, who were interviewed in the community in 1992 and reinterviewed in 1994. RESULTS: In 1992, 62.4% of persons (14.4 million) between the ages of 51 and 61 years reported at least 1 musculoskeletal condition; the rate increased to 70.5% by 1994. More than 40% of persons with musculoskeletal conditions reported disability, which was almost 90% of all persons with disability in this age group. Persons with musculoskeletal conditions had lower employment rates, were less likely to enter employment, and were more likely to leave employment compared with persons without these conditions. High rates of disability account for much of these differences. CONCLUSION: Musculoskeletal conditions affected more than two-thirds of persons ages 51-61 and accounted for all but 10% of those with disabilities. The prevention of disability among such persons should improve their employment prospects.  (+info)

At risk on the cusp of old age: living arrangements and functional status among black, white and Hispanic adults. (4/444)

OBJECTIVES: We examine the relationship between living arrangements and multiple measures of physical, cognitive, and emotional functioning in late midlife. METHODS: Using cross-sectional data from the Health and Retirement Study, we first assess the bivariate relationship between living arrangements and functioning; we then take into account demographic characteristics and measures of household resources and demands. RESULTS: We find evidence of differential functioning among individuals in various living arrangements. Married couples living alone or with children show the highest levels of functioning, whereas single adults living in complex households show the lowest levels. Functional deficits for those in complex households are reduced but not eliminated when we take demographic characteristics and household resources and demands into account. We find few differences by gender and race/ethnicity in the relationship between living arrangements and functioning. DISCUSSION: We show a pattern of poorer functioning among those in arguably the most demanding and least supportive household environments. This points to a vulnerable and risk-filled transition from middle to old age for these persons. Because Blacks and Hispanics show lower levels of functioning than Whites and are more likely to live in complex households, they may be particularly disadvantaged.  (+info)

Neuropsychological function in retired workers with previous long-term occupational exposure to solvents. (5/444)

OBJECTIVES: It is plausible that neurodegenerative processes of aging might have a contributing role in the development of chronic effects of exposure to organic solvents. This study evaluated the risk for neuropsychological deficits among retired workers, relative to their histories of exposure to occupational solvents. METHODS: This cross sectional study evaluated retired male workers, 62-74 years of age, including 89 people with previous long-term occupational exposure to solvents (67 retired painters and 22 retired aerospace manufacturing workers), and 126 retired carpenters with relatively minimal previous exposure to solvents. Subjects completed a standardised neuropsychological evaluation and psychiatric interview, structured interviews for histories of occupational exposure and alcohol consumption, and questionnaires assessing neurological and depressive symptoms. RESULTS: By comparison with the carpenters, the painters on average reported greater cumulative alcohol consumption and had lower scores on the WAIS-R vocabulary subtest, usually presumed to reflect premorbid intellectual functioning. These findings, however, were not sufficient to account for the other study findings. Controlling for age, education, vocabulary score, and alcohol use, the painters had lower mean scores on test measures of motor, memory, and reasoning ability; and a subgroup of aerospace workers with moderate to high cumulative exposure to solvents (n = 8) had lower mean scores on measures of visuomotor speed, and motor, attention, memory, and reasoning ability. Subjects were more likely to have an increased number of relatively abnormal test scores (three or more outlier scores on 17 test measures) among both the painter group (odds ratio (OR), 3.1; 95% confidence interval (95% CI) 1.5 to 6.2) and the subgroup of aerospace workers with higher cumulative exposure (OR 5.6; 95% CI 1.0 to 38). The painters, but not the aerospace workers, reported significantly more neurological and depressive symptoms. CONCLUSIONS: The findings are consistent with residual central nervous system dysfunction from long-term exposure to organic solvents, persisting years after the end of exposure.  (+info)

Increased serum concentrations of growth factor receptors and Neu in workers previously exposed to asbestos. (6/444)

OBJECTIVES: Epidermal growth factor receptor (EGFR) and oncogene Neu belong to a family of growth factor receptors which may play a part in carcinogenesis. Although increased serum concentrations of Neu and EGFR have been shown in several patients with asbestosis who later developed cancer, serum concentrations have not been studied in workers exposed in the past to asbestos but without asbestos related diseases. METHODS: Serum concentrations of secreted growth factor receptors were studied in 300 workers exposed in the past to asbestos and the results were compared with those of 70 controls. RESULTS: In the controls 4.3% (3/70) had EGFR values > 912 units/ml, compared with 39% (117/299) of the exposed group (p < 0.001). The difference in high values was even more pronounced for Neu with 4.3% of controls having Neu values > 2580 fmol/ml compared with 72% (216/299) of the exposed workers (p < 0.001). Pleural plaques predicted lower serum concentrations of EGFR but not lower Neu concentrations, and this finding remained significant after adjustment for age, exposure time, smoking, and time from initial exposure. CONCLUSIONS: Enhanced secretion of EGFR and Neu was found in a large cohort of retired asbestos workers with a wide range of exposure and latency periods. They did not have asbestosis or cancer and their EGFR values were higher in those without plaques. Further studies are needed to confirm our results, to determine the source of the secreted growth factor receptors, and to study their possible value as risk factors in the development of cancer.  (+info)

Adjustment of Korean-American physicians in Korea: aspect of personal satisfaction. (7/444)

This study was conducted to assess the psychosocial adjustment of Korean-American physicians in the aspect of personal satisfaction after returning to Korea. A questionnaire was mailed to 72 Korean-American physicians who were practicing medicine in Korea and forty physicians responded. These physicians, typically in their 50s, lived in America for 21-30 years before coming back to Korea. The most frequent motives for them to come back to Korea were giving back to their native country, longing for their native country, filial duty, and suggestions from their colleagues or professors to move back. Eighty percent of them were extremely satisfied or slightly satisfied with their work in Korea, and only 10% are extremely or slightly dissatisfied with their decision to return. Although most of them are content for the time being in Korea, only 12.5% have definite plans to stay in Korea after retirement. The variables that were most significantly related to personal satisfaction of returning to Korea were how well treated at work and how much satisfied with job rather than other factors such as motives for returning, duration of staying in America and in Korea, and family situation.  (+info)

Sleep, age, and shiftwork experience. (8/444)

The effects of age and shiftwork experience (never, past, present) on sleep were studied in a sample of 3236 wage earners and retired workers by means of a questionnaire. The sample was composed of 32-, 42-, 52-, and 62-year-old subjects, and included both sexes and various occupational statuses. Age resulted in a continuously increasing frequency of sleep disturbances and hypnotic use, except for difficulty getting back to sleep and early awakening, which peaked at 52 years and then decreased at 62 years, thus suggesting a 'retirement effect'. Current and past shiftworkers reported more problems with falling asleep and early awakening than subjects who had never worked on shifts. This is a likely explanation of why the effect of age was massive in the latter group and much less pronounced in the former groups. There were no clear effects of the length or recency of shiftwork experience. This finding does not support the hypothesized permanent effect of shiftwork experience on subsequent sleep. Females had higher complaint rates at every age. There was little interaction between age and sex, but women were affected more by shiftwork as they got older, particularly as to hypnotic consumption. Some of the results support the hypothesis that a selection process excludes workers who are no longer able to cope with the demands of shiftwork.  (+info)

Regarding fluid cognitive abilities, the evidence for the impact of retirement was conflicting. We found strong evidence that retirement slows down and weak evidence that retirement accelerates rate of cognitive change as well as studies getting mixed results where they find that retirement has a negative impact on some measures and no impact on other measures of fluid cognitive abilities. In addition, we found weak evidence of a negative impact of retirement on cognitive functioning as well as a study getting mixed results of a negative impact of retirement on one measure and no impact on another measure of fluid cognitive abilities. Regarding crystallised cognitive abilities, we found weak evidence of a negative impact of retirement on both rate of change in cognitive functioning and on cognitive functioning.. The trajectories of the cognitive ageing depend on whether it is fluid or crystallised cognitive abilities [9]. However, as our results illustrate, there appears to be differences ...
Downloadable! In this study we gauge the impact of social interactions on individual retirement preferences. A survey including self-assessments and vignette questions shows that individual preferences are affected by preferences and actual retirement behavior of the social environment. Retirement from paid work depends on the retirement age of relatives, friends, colleagues and acquaintances. Information and advice provided by the social environment play a role in the retirement decision. A majority of respondents would postpone retirement when their social environment retires later. A one year increase in the social environments retirement age leads to an average increase of three months in the individual retirement age. In addition, people tend to stick more to the state pension age than to other retirement ages, which suggests a norm about retirement at the state pension age.
Retirement Age Men in Japan is expected to be 62.00 by the end of this quarter, according to Trading Economics global macro models and analysts expectations. In the long-term, the Japan Retirement Age - Men is projected to trend around 63.00 in 2020, according to our econometric models. In Japan, from 2013, the retirement age for men increases four months per year until it reaches 65 in 2025. This page provides - Japan Retirement Age Men - actual values, historical data, forecast, chart, statistics, economic calendar and news.
School districts face growing cost pressure related to the health benefits they provide for their retired employees. The first section of this post explains how districts structure their retiree health benefits, and the second section analyzes historical spending levels and future liabilities. We find that the unfunded liability-the total future cost of providing the retiree health benefits that employees have already earned, after subtracting the funds already set aside to cover those benefits-is about $24 billion across all districts. Some districts have taken steps to reduce their future costs, such as requiring employees to work longer before qualifying for these benefits. A few districts also are beginning to set aside additional funds now to cover future retiree health benefits, a practice that could yield significant long-term savings.
We estimate the causal effect of early retirement on mortality for blue-collar workers. To overcome the problem of endogenous selection, we exploit an exogenous change in unemployment insurance rules in Austria that allowed workers in eligible regions to withdraw from the workforce up to 3.5 years earlier than those in non-eligible regions. For males, instrumental-variable estimates show a significant 2.4 percentage points (about 13%) increase in the probability of dying before age 67. We do not find any adverse effect of early retirement on mortality for females. Death causes indicate a significantly higher incidence of cardiovascular disorders among eligible workers, suggesting that changes in health-related behavior explain increased mortality among male early retirees. ...
In general, the retirement age under the Public Sector Pensions Act is the same as that under the Employees Pensions Act, and the retirement age rises in the same way in the public sector as in the private sector. However, some public sector employees, as well as sailors insured under the Seafarers Pensions Act, may have the right to an old-age pension at an earlier age.. Some state and local government employees may be entitled to an old-age pension at an occupational retirement age during a transition period. For example, policemen and Customs employees may have reduced retirement ages if their employment has begun before 1 July 1989 and continues uninterruptedly until their retirement age. The occupational retirement ages will also rise gradually for those persons who, before the 2017 rules came into force, would have reached their retirement age in 2018 or later.. For persons employed by the State, regulations stipulate that employees of the Finnish Defence Forces and the Finnish Boarder ...
For the first time, mental disorders surpassed musculoskeletal diseases as the main cause for retirement on a disability pension.
This paper advances the specification and estimation of models of retirement and saving in two earner families. The complications introduced by the interaction of retirement decisions by husbands and wives have led researchers to adopt a number of simplifications to increase the feasibility of estimating family retirement models. Our model relaxes these restrictions. It includes the extended choice set created when each spouse makes an independent retirement decision. It also includes the full range of complexity found in dynamic-stochastic models of retirement decision making, so far analyzed only in the context of single earner households. Retirement outcomes include full retirement, partial retirement and full-time work. Reverse flows from states of lesser to greater work are also included. The preference structure incorporates heterogeneity in time preference, varying taste parameters for full-time and part-time work, and the possibility of changes in preferences after retirement. The ...
About 500,000 postal retirees receive retiree health benefits. The Postal Service Retiree Health Benefits Fund pays most of the costs. The Postal...
Find retirement communities, Retirement homes, senior housing guide from Find Retirement Jobs, Retirement Speeches, Senior Housing, Assisted Living, Elder Care and Long Term Care Facilities
Find retirement communities, Retirement homes, senior housing guide from Find Retirement Jobs, Retirement Speeches, Senior Housing, Assisted Living, Elder Care and Long Term Care Facilities
Results Over the study period, 234 healthy and 262 unhealthy retirees died. Among healthy retirees, a 1-year older age at retirement was associated with an 11% lower risk of all-cause mortality (95% CI 8% to 15%), independent of a wide range of sociodemographic, lifestyle and health confounders. Similarly, unhealthy retirees (n=1022) had a lower all-cause mortality risk when retiring later (HR 0.91, 95% CI 0.88 to 0.94). None of the sociodemographic factors were found to modify the association of retirement age with all-cause mortality. ...
Are you on track for the retirement you envision? Is there still good economic growth ahead and when could the next recession occur? How much growth will your portfolio need and how much volatility can your investments withstand before you risk missing your goals or running out of money? Learn more about economics, markets, the fundamentals of investing and portfolio management. We will establish a framework to advance your knowledge of financial concepts, investment principles, asset classes, and vehicles.  The student will also learn how to calculate how much money will be needed before and during retirement and how their current portfolio is equipped to handle volatility during their retirement years. Market History   On Retirement, Part 1 - Getting Funded for Retirement On Retirement, Part 2 - Managing Retirement Income Risk Position for Recession and Potential Recovery  (Term 1 Class)
Leading directory of Retirement villages & retirement communities in Teignbridge, Devon, covering local areas Exeter, South Hams, Teignbridge, Torbay,
An employer-provided retirement plan, whether a defined benefit pension or defined contribution 401(k) or 403(b) plan, can have hundreds if not many thousands of participants, many of whom are no longer employed by the retirement plan sponsor. This creates an ongoing challenge for HR benefit managers and plan administrators. As people move around, its easy to lose track of them.. When former employees dont provide retirement plan sponsors with updated contact information, finding those who are vested in a defined benefit pension plan or who still have assets in a defined contribution plan account can be a challenge. While Internet search engines and other online tools can help, tracking these people down can still be time-consuming.. A Fiduciary Duty. Yet plan sponsors have a responsibility to maintain current contact information for plan participants, particularly when they reach normal retirement age and become eligible to receive plan payouts. It is the fiduciary duty of plan sponsors to ...
The average retirement age has been rising, as more Americans, particularly women, see the necessity for working longer to make retirement affordable. The average age for males is 64, and 62 for females. Compared with other countries, the American retirement ages still are relatively young.. Many factors enter into the retirement decision, including life expectancy data that show there are differences between rich and poor and among ethnic groups. Questions about the solvency of the countrys most-drawn on retirement finance source have been a troubling aspect of the issue for some time. Since 1984, the programs trust fund has run a surplus, but that is expected to end by around 2020 when the Baby Boomer generation hits the retirement ranks. The Social Security Administration believes interest income from the fund should be able to handle the increase until 2034, but at that point, the possibility of shrinkage in benefits could become a reality unless the issues are addressed. The matter is ...
An individual retirement account or IRA is a form of individual retirement plan, provided by many financial institutions, that provides tax advantages for retirement savings in the United States. An individual retirement account is a type of individual retirement arrangement as described in IRS Publication 590, individual retirement arrangements (IRAs). The term IRA, used to describe both individual retirement accounts and the broader category of individual retirement arrangements, encompasses an individual retirement account; a trust or custodial account set up for the exclusive benefit of taxpayers or their beneficiaries; and an individual retirement annuity, by which the taxpayers purchase an annuity contract or an endowment contract from a life insurance company. There are several types of IRAs: Traditional IRA - contributions are often tax-deductible (often simplified as money is deposited before tax or contributions are made with pre-tax assets), all transactions and earnings ...
Cash balance hybrid retirement plans are continuing to replace traditional pension plans and now make up 25 percent of all defined benefit retirement plans, up from 2.9 percent in 2001, according to a report by Kravitz, a provider of retirement plan management services.. The firms 2014 National Cash Balance Research Report shows there were 9,648 active cash balance plans in the U.S. in 2012 (the most recent year for which complete IRS reporting data is available), up from 7,926 in 2011. This 22 percent increase was significantly higher than industry projections of 15 percent growth, and the number of new cash balance plans continues to grow faster than other sectors of the retirement plan market.. Cash balance plans combine the high contribution limits of traditional defined benefit plans with the flexibility and portability of a defined contribution plan (see the Department of Labors Facts About Cash Balance Plans).. Other key findings from the Kravitz report include:. • Small businesses ...
This paper provides an empirical analysis of the effect of employer-provided health insurance and Medicare in determining retirement behavior. Using data from the Health and Retirement Study, we estimate the first dynamic programming model of retirement that accounts for both saving and uncertain medical expenses. Our results suggest that uncertainty and saving are both important. We find that workers value health insurance well in excess of its actuarial cost, and that access to health insurance has a significant effect on retirement behavior, which is consistent with the empirical evidence. As a result, shifting the Medicare eligibility age to 67 would cause a significant retirement delay--as large as the delay from shifting the Social Security normal retirement age from 65 to 67.(This abstract was borrowed from another version of this item.)
The objective of this study was to compare morbidity between ambulance staff and other groups of health service workers, to facilitate planning of occupational health OH services. A retrospective study of employees of the Eastern Health and Social Services Board, Northern Ireland was conducted. Subjects were 181 men and 353 women assessed at OH...
When we followed up with our survey participants, we found that one in five women and one in seven men had taken early retirement benefits with early retirement being common in all occupational groups except for doctors and dentists.. 65.1 per cent of the 2206 employees for whom we had information about all types of organisational change had experienced one or more changes. Change was most frequent among social and healthcare workers (74.9 per cent) and least frequent among laboratory technicians (46 per cent).. Employees whose workplace had undergone a change of management or a merger were much more likely to have taken early retirement than those who had not. After taking background factors including age, marital status, gender etc. into account where a change in management had occurred, the likelihood of early retirement increased even more. Adjusting for the same factors for those whose workplace had experienced a merger made no difference to the likelihood of early retirement.. Relocation ...
This research brief describes work documented in The Effect of Access to Post-Retirement Health Insurance on the Decision to Retire Early (RP-360); Health Insurance and Labor Market Transitions of Older Workers (DRU-1797); and Health Insurance and Retirement Behavior: Evidence from the Health and Retirement Survey (DRU-1798).
ABSTRACTWe know little about the retirement plans of adults with chronic diseases. This research recruited Canadian workers 50-67 years of age from a national panel of 80,000 individuals (arthritis, n = 631; diabetes, n = 286; both arthritis and diabetes, n = 111; no chronic disabling conditions, n = 538). A cross-sectional survey asked participants about their expected age of retirement, future work plans, whether they were retiring sooner than planned, and bridged retirement. Chi-square analyses, analyses of variance, and regression analyses examined expectations and factors associated with them. Despite health difficulties, workers with arthritis and diabetes had retirement plans similar to those of healthy controls and consistent with normative expectations of working to a traditional retirement age. However, more respondents with arthritis or diabetes reported bridged retirement than healthy controls. Contrary to predictions, health factors accounted for less of the variance in retirement ...
You found Transitions Nursing And Rehabilitation Center on the largest list of retirement communities and retirement homes in the world. All Retirement Homes and Communities can be found from golf course living to assisted living facilities. Click on Transitions Nursing And Rehabilitation Center see more about that type of adult retirement living.
You found Hamilton Park Nursing And Rehabilitation Center on the largest list of retirement communities and retirement homes in the world. All Retirement Homes and Communities can be found from golf course living to assisted living facilities. Click on Hamilton Park Nursing And Rehabilitation Center see more about that type of adult retirement living.
WASHINGTON, D.C. - The Insured Retirement Institute (IRI) today released a new report showing that Baby Boomers confidence in their retirement plans continues to decline, a trend dating back to 2011, when IRI first began tracking Boomers retirement expectations. During that time, the percentage of Boomers showing high levels of confidence in their financial preparations for retirement dropped from 44 percent to 35 percent. But while confidence continues to slip, IRI found slight improvements in several important measures, including the percentage of Boomers with retirement savings, their total savings, as well as the number of Boomers with a retirement savings goal and a planned retirement age ...
Notices of intended retirement can now only be issued for employees who are 65 or over (or will attain the companys default retirement age, if different from 65) on or before 30 September 2011 and the notice of intended retirement date for that employee must be issued no later than 5 April 2011. The notice given can be up to 12 months, so can take effect up to 5 April 2012.. ...
Have you wondered how good your retirement accounts are? Is your retirement money getting eaten up by fees you dont see? With the way the stock market has been the last year many people have seen their retirement portfolios nosedive. Many people are no longer confident that their retirement savings will support them. How can you protect your retirement savings so you can live the life you want when your working years are over?. Enter author and financial adviser David B Loeper. Mr Loeper has a new book out - Stop the Retirement Rip-off: How to Avoid Hidden Fees and Keep More of Your Money (John Wiley & Sons, April 2009) - which aims to help workers get the most out of their retirement accounts and avoid costly fees.. Mr. Loeper, what prompted you to write your book, Stop the Retirement Rip-off: How to Avoid Hidden Fees and Keep More of Your Money? How bad are hidden fees in retirement accounts?. I noticed on my own personal 401k statement a column that said Fees and Expenses and the amount ...
Montgomery County health officials are investigating an outbreak of Legionnaires disease in an Upper Frederick retirement community after a third resident was recently diagnosed with the disease,
Many Belgian retire well before the statutory retirement age. Numerous exit routes from the labor force can be identified: old-age pensions, conventional early retirement, disability insurance, and unemployment insurance are the most prominent ones. We analyze the retirement decision of Belgian workers adopting an option value framework, and pay special attention to the role of health status. We estimate probit models of retirement using data from SHARE. The results show that health and incentives matter in the decision to exit from the labor market. Based on these results, we simulate the effect of potential reforms on retirement. ...
The Normal Retirement Age represents the point in time (as defined by the pension plan) when the pensionholder (employee) can stop working and start receiving normal retirement benefits.
Journal of Applied Geophysics 98, 160-175. evolutionary download the four pillars of retirement plans: the fiduciary guide to participant speech: right. 2012) download the four pillars of retirement plans: the fiduciary of uncertainty table size limits remaining a sentient additional purchase.
At a time when the number of employers planning to re-evaluate their long-term retiree health strategies is at an all-time high, a new survey by Aon Hewitt underscores the value and significant savings opportunities that retiree health exchanges can offer both plan sponsors and retirees.. A new Aon Hewitt survey of 550 companies covering almost 4 million retirees shows more than 60 percent of employers are reassessing their long-term retiree health strategy in response to rising health care costs and mandated changes from the Patient Protection and Affordable Care Act (PPACA). Approximately 20 percent of employers currently offer guided access to the individual Medicare retiree plan market through an individual health exchange and another two-thirds are considering this strategy for the future. According to Aon Hewitt, employers can potentially reduce their gross retiree medical spend by 20 to 50 percent per year by transitioning retirees to this type of model.. The economics of providing ...
TY - JOUR. T1 - Incidence, timing, and events associated with poverty. T2 - A dynamic view of poverty in retirement. AU - Burkhauser, R. V.. AU - Holden, K. C.. AU - Feaster, D.. PY - 1988/1/1. Y1 - 1988/1/1. N2 - Using longitudinal data from the Retirement History Study (RHS), we traced the economic well-being of couples who were not poor just prior to retirement through up to 10 years of retirement. The vast majority of these couples did not become poor during their first years of retirement. However, the risk and pattern of poverty during retirement varied greatly across groups identified by marital status and pension status. Married couples with pension income who survived over the period of our analysis rarely fell into poverty. Even surviving couples without pension income were not very likely to face poverty. Our findings indicate, however, that the death of a husband dramatically alters the risk and pattern of poverty in retirement.. AB - Using longitudinal data from the Retirement ...
Retirement in a Continuing Care Retirement Community (CCRC) means lifetime access to health care, all within a self-contained neighborhood of residents.
For many New Yorkers, retiring in the South and Florida is a good way to avoid the cold weather, and to lower living costs. However, many New Yorkers are not used to the weather and pace of live in the South, even during retirement. For those who want to retire in the Northeast, but do not want to spend city living prices, there are many retirement communities in the surrounding areas that are the best of both worlds.
DETROIT -- Nicklas Lidstrom has made a decision about his future.. The 42-year-old Lidstrom will announce today whether hes retiring or returning to play a 21st season with the Detroit Red Wings.. Sources told the Detroit Free Press that Lidstrom will announce his retirement from the NHL in a news conference at 11 a.m. at Joe Louis Arena.. Wednesday afternoon, TSN analyst Aaron Ward posted on Twitter that Lidstrom would announce his retirement. Ward was a teammate of Lidstroms in Detroit from 1993 to 2001.. The four-time Stanley Cup champion put retirement on hold in each of the previous two years by signing one-year contracts and answering questions from reporters on a conference call. This time, hes expected to confirm his retirement at Joe Louis.. Lidstrom, 42, has spent his entire 20-year career with the Red Wings, who selected him 53rd overall in the third round of the 1989 NHL Draft.. Lidstrom will retire as one of the NHLs most prolific defenseman. In addition to winning four Stanley ...
Posts about disability retirement anxiety disorder federal service written by Federal Disability Retirement Attorney and OPM Disability Retirement Lawyer
Retirement Age Men in Bulgaria is expected to be 64.00 by the end of this quarter, according to Trading Economics global macro models and analysts expectations. In the long-term, the Bulgaria Retirement Age - Men is projected to trend around 63.00 in 2020, according to our econometric models. In Bulgaria, from 2012, the retirement age for men increases 4 months per year until it reaches 65. This page provides - Bulgaria Retirement Age Men - actual values, historical data, forecast, chart, statistics, economic calendar and news.
Reviews, photos, and costs for Passavant Retirement Community Continuing Care Retirement Community. Compare with nearby communities. No registration needed. #1 reviews site for Continuing Care Retirement Community.
Search job openings at Rockwood Retirement Communities. 10 Rockwood Retirement Communities jobs including salaries, ratings, and reviews, posted by Rockwood Retirement Communities employees.
Find a Retirement Community in Madison, MS. Retirement Community reviews, phone number, address and map. Find the Retirement Communities in Madison, MS
The present invention is a method of monitoring a retirement income plan and managing retirement income through use of a retirement income planning tool. The retirement income planning tool is comprised of modules working together in order to facilitate planning, monitoring, management and generation of a retirement income plan. The projected assets are generated in response to the processing of financial data input into the retirement income planning tool in view of potential investment performance scenarios. The financial data input into the retirement income planning tool includes at least a customers desired retirement income levels, assets level and retirement compensation levels. The retirement income plan is comprised of at least data representative of projected retirement compensation, asset levels and projected asset withdrawals. The retirement income planning tool compares a clients retirement compensation to the comprehensive retirement income levels desired in order to determine the level
A retirement plan is a financial arrangement designed to replace employment income upon retirement. These plans may be set up by employers, insurance companies, trade unions, the government, or other institutions. Congress has expressed a desire to encourage responsible retirement planning by granting favorable tax treatment to a wide variety of plans. Federal tax aspects of retirement plans in the United States are based on provisions of the Internal Revenue Code and the plans are regulated by the Department of Labor under the provisions of the Employee Retirement Income Security Act (ERISA). Retirement plans are classified as either defined benefit plans or defined contribution plans, depending on how benefits are determined. In a defined benefit (or pension) plan, benefits are calculated using a fixed formula that typically factors in final pay and service with an employer, and payments are made from a trust fund specifically dedicated to the plan. Separate accounts for each participant do ...
Background: Regular physical activity is crucial for healthy aging, but older adults are the least active age group. This study explored the feasibility, acceptability, and efficacy of a multilevel mHealth intervention for increasing physical activity of older adults living in a retirement community. Methods: Participants included 54 older adults (mean age = 81.2 y, 77.8% female, 98.1% white) living in a retirement community. Participants received a Fitbit Zip and access to a multilevel mHealth physical activity intervention (MapTrek Residential) for 8 weeks. Physical activity (in steps per day) and intervention compliance (days worn) were measured objectively with the Fitbit for 12 weeks (8-wk intervention plus 4-wk follow-up). Psychosocial outcomes (social support, self-efficacy, and outcome expectations) were assessed at baseline and 8 weeks. Acceptability outcomes were assessed with an open-ended process evaluation survey and focus groups. Descriptive statistics and linear mixed models were ...
Oak Hammock at the University of Florida is the best retirement community committed to lifelong learning, fitness and health located in Gainesville, Florida. The resort style retirement community provides excellent assisted and independent living.
Reviews, photos, and costs for North Hill Continuing Care Retirement Community. Compare with nearby communities. No registration needed. #1 reviews site for Continuing Care Retirement Community.
Not all retirement communities are for golfers. Check out these 10 retirement communities with ties to universities, giving residents access to campus classes and more.
Retirement Communities or retirement homes are also referred to as continuing care retirement communities or CCRCs. These can also known as a life-care communities, and they are a type of retirement community where a number of aging care needs, from assisted living, independent living and nursing home care, may all be met in a single residence, whether in an apartment in a congregate housing facility, a room or apartment in an assisted living facility, and in a skilled nursing home. The average CCRC in the United States contains just over 330 units, made up of 231 independent or congregate livin units, 34 assisted living beds, and 70 skilled nursing home beds. On average, an older resident in the United States will live in the congregate living facility for just over three years, the assisted living facility for one year, and the skilled nursing facility for nine months (America Seniors Housing Association, 2002
Brentwood Retirement Community, an Assisted Living, Retirement Home facility located at 1900 W Alpha Ct, Lecanto, FL, 34461,
Some central Florida retirees could have a chance to live the college life once again. University of Central Florida officials plan to build a retirement community at McCulloch road, just off the schools campus.
Nationwides annual retirement survey reveals that recent retirees regret collecting Social Security benefits when they did. Get more survey results now.
If seniors can no longer perform activities of daily living, personal care services at a retirement community can make their lives easier.
Make Be-Leaves recently installed custom artificial plants or plantscapes throughout the new Primrose Retirement Community in Newburgh, Indiana. Make Be-Leaves worked closely with interior designer, Kaitlin Hoffman, over the past year to bring her faux foliage vision to life with customized artificial planting throughout their new public spaces. Kaitlin selected a combination of tiered faux succulent plantings - including artificial snake plants, agaves, echeverias for the larger built-in planters, and mounded artificial boxwood and silk croton plantings for the divider wall built-in planters. Utilizing planter templates provided by the contractor, custom artificial succulents and boxwood plantings were built on styrofoam base at our facility - constructed to fit exactly into the propertys built-in planters. This method of constructing the custom faux plantings makes installation at the job site so easy - and affords the customer the option to handle the plantscape installation with their ...
A growing trend is the niche or affinity retirement communities, where people who share similar interests, religions, professional backgrounds or lifestyles decide to live in the same place.
Issuu is a digital publishing platform that makes it simple to publish magazines, catalogs, newspapers, books, and more online. Easily share your publications and get them in front of Issuus millions of monthly readers. Title: Shell Point Life March 2012, Author: Shell Point Retirement Community, Name: Shell Point Life March 2012, Length: 40 pages, Page: 1, Published: 2012-02-27
Retirement communities are stepping up their game when it comes to offering a lifestyle that provides plenty of activities to keep their residents in motion.
The goal with intergenerational retirement communities is to build ongoing relationships between the two groups, rather than have a single in-and-out encounter.
Nestled in a marshy area about an hour south of Orlando, Florida, is the Nalcrest retirement community, which boasts tennis courts, an Olympic-sized swimming pool and a 15-square-mile lake for fishing and boating.
Barbara Hansen, CMC Outreach Coordinator, interviews Jane Brierley, Director of Marketing, and Bob Perl, Executive Director of the Clark Retirement Community.
Mountain Vista Retirement Community, an Assisted Living, Alzheimers Care, Independent Living facility located at 4800 Tabor St, Wheat Ridge,CO, 80033,
Sulphur Retirement Community Apartments - 503 Cypress Street in Sulphur, Louisiana. Visit to view photos, floor plans and more.
Considering a move to a retirement community? Take note of these financial risks before you make a move so you can find a stable place to call home.
Canterbury Woods is a Retirement Community at 100 Garfield Avenue, Attleboro, MA 02703. provides reviews, contact information, driving directions and the phone number for Canterbury Woods in Attleboro, MA.
Retirement[edit]. Juran was active well into his 80s, and gave up international travel only at age 86. He retired at age 90 but ... from which he made a comfortable living until his retirement in the late 1990s. His early clients included the now defunct ...
Free agency and retirement (2004-2005)[edit]. After his season with the Lakers, Malone became a free agent. He had knee surgery ... At a press conference on February 13, 2005, at the Delta Center, Malone officially announced his retirement from the NBA after ...
Later career and retirement[edit]. Mihalić participated in the marathon at the 1960 Summer Olympics in Rome, finishing 12th, in ...
Retirement request[edit]. On 2 November 2008 Carol Rosenberg, writing in the Miami Herald, reported that Hartmann had filed a ...
Retirement[edit]. In 1923, Baker retired, but she did not stop working.[22][24] She became the first woman to be a professional ...
Retirement[edit]. See also: List of retired Atlantic hurricane names. Due to the severe damage and deaths caused by the storm, ...
Retirement to Israel and death[edit]. After being refused the right to settle in France, Lahad moved to Israel. He released a ...
Eye injury and subsequent retirement[edit]. Boucher is surrounded by the South African team immediately after suffering his eye ... He had been a regular feature of the South African side since the 1997/1998 tour to Australia, until his retirement from ... From the time he replaced Dave Richardson until his retirement, Boucher was South Africa's first-choice wicketkeeper, and is ...
Retirement[edit]. Induráin took two months to consider his future, particularly the €4.5 million that Manolo Saiz was said to ... Mujika I (2012). "The cycling physiology of Miguel Induráin 14 years after retirement". International Journal of Sports ... Induráin was subjected to further physical testing at age 46, 14 years after his retirement, in a 2012 published study to ... "The Cycling Physiology of Miguel Indurain 14 Years After Retirement". Retrieved 10 July 2019.. ...
Retirement[edit]. Haddin retired from ODI cricket in May 2015 after the 2015 Cricket World Cup as part of the winning team. ... Haddin announced his retirement from international and first class cricket with New South Wales on 9 September 2015.[26] ... "Brad Haddin's retirement from international Twenty20 opens the door for Tasmania's Tim Paine , Australia Cricket, Live Cricket ... He became the ambassador for his home ground, Sydney Cricket Ground (SCG) along with Steve Smith after his retirement. ...
Upon his retirement from the U.S. Navy, Wright subsequently served on the Central Intelligence Agency's National Board of ... Final change of command and retirement[edit]. The White House announced on December 31, 1959, that Admiral Jerauld Wright was ... In retirement, Jerauld Wright pursued an interest in painting, whose whimsical style was similar to Grandma Moses. His artwork ...
Big Ben at Royal Agricultural Winter Fair during his retirement tour, November 1994 ...
Carbon retirement[edit]. Carbon retirement involves retiring allowances from emission trading schemes as a method for ... "Carbon Retirement report: The efficiency of carbon offsetting through the Clean Development Mechanism" (PDF). Carbon Retirement ... Carbon Retirement. 2011-04-18. Retrieved 2019-02-01.. *^ "United Nations online platform for voluntary cancellation of ... In 2009, Carbon Retirement reported that less than 30 pence in every pound spent on some carbon offset schemes goes directly to ...
Retirement[edit]. On April 6, 2010, with Mahony due to reach his mandatory retirement age of 75 the following year, the Vatican ... In his retirement, Mahony intended to devote more time to advocacy on behalf of immigrants, an issue that he has supported for ... In 2011 Mahony reached the mandatory retirement age for bishops and was succeeded by José Horacio Gómez on March 1, 2011.[2] On ...
Retirement and part-time appearances (2014-present)[edit]. After a third neck injury, Marella declared his retirement on July 6 ... "WWE star announces retirement". Wrestling Observer Newsletter. July 6, 2014. Retrieved July 6, 2014.. ... On June 17, 2017, Marella announced that he would come out of retirement for one last match for Destiny World Wrestling, which ...
Retirement and death: 1956-1957[edit]. In the summer of 1956, Childe retired as IOA director a year prematurely. European ... Upon retirement, he returned to Australia's Blue Mountains, where he committed suicide. ... Upon his retirement, he told many friends that he planned to return to Australia, visit his relatives, and commit suicide; he ...
Retirement[edit]. Zhang Wuji becomes a key figure in leading the Ming Cult and other rebel forces to overthrow the Yuan dynasty ...
Aftermath, records and retirement[edit]. See also: List of retired Atlantic hurricane names ...
Retirement during Emperor Ai's reign[edit]. After Wang Mang's resignation, Emperor Ai initially requested him to remain in the ...
Retirement and later literary career[edit]. The first of the books Abse wrote following retirement, Margaret, Daughter of ... Following his retirement from Parliament he wrote several books about politics, based on his interest in psychoanalysis. ...
Retirement[edit]. In 1900, Hayden married a portrait painter and, later, interior designer, William Blackstone Bennett, in ...
Retirement from Late Show[edit]. During the taping of his show on April 3, 2014, Letterman announced that he had informed CBS ... "Exclusive Post-Retirement Interview with David Letterman". Indianapolis Monthly. June 12, 2015. Retrieved July 12, 2015.. ... "David Letterman skewers Trump with top 10 list in break from retirement". The Guardian. July 12, 2015. Retrieved July 12, 2015. ... president Leslie Moonves that he would retire from hosting Late Show by May 20, 2015.[94] However, later in his retirement ...
Research in retirement[edit]. In his retirement, Cahn accepted a position at the University of Washington as an affiliate ... In retirement, he lived in Seattle, Washington, with his wife, Anne Hessing Cahn.[3] He died from leukemia in Seattle on March ...
Post-retirement[edit]. A Person who has retired as a judge of the supreme court is debarred from practicing in any court of law ...
Retirement[edit]. In May 2013, Clayton announced his retirement from football. He finished his career with 260 receptions for ...
Retirement[edit]. In early September 1991, Hansel was sold to Sheik Maktoum bin Rashid Al Maktoum and was retired at the end of ...
Retirement and death[edit]. He was imprisoned on suspicion of Jacobitism from May to July 1689 and again in June 1690, but no ...
Retirement[edit]. Corrida was retired to her owner's Haras de Fresnay-le-Buffard breeding farm in Neuvy-au-Houlme in Lower ...
Retirements[edit]. Democratic seats held by Democrats[edit]. *Montana: James E. Murray (D) was replaced by Lee Metcalf (D) ...
Retirement[edit]. From 2006 to his death, George Steinbrenner spent most of his time in Tampa, Florida. After the 2007 season ...
Understanding Your Retirement Plan Fees. *Maximize Your Retirement Savings - Tips on Using the Fee and Investment Information ... Financial security in retirement doesnt just happen. It takes planning and commitment and money. Your employers retirement ... Dont touch your retirement savings. The longer you leave the money there, the more time it has to grow. When you are thinking ... Learn about the rights and responsibilities you have under the federal law that governs your plan, the Employee Retirement ...
Early retirement age Normal retirement age Employed, 55-59 Employed, 60-64 Employed, 65-69 Employed, 70+ ... FIRECalc: A different kind of retirement calculator. *^ a b Cox, H. (2012). Work/retirement choices and lifestyle patterns of ... "Retirement calculator - easy, comprehensive, informative". 2 February 2011.. *^ Online Monte Carlo Retirement ... Early retirement can also be used as a euphemistic term for being terminated from employment before typical retirement age.[55] ...
Retirement Retirement Living Retirement Living Best places to retire, senior discounts, vacation strategies, downsizing vs. ... The Average Retirement Savings by Age. Learn what people in various age groups have saved for retirement and how it stacks up ... 5 Countries With Easy Citizenship for Retirement. Discover five of the countries that make it easiest for you to obtain ... Or did you want a retirement job? ... Best Countries to Retire to and Planning for Retirement Abroad ...
Have you ever wondered what advice John Wayne would give you about retirement? Or how Jimmy Stewart would describe his golden ... Also, if youre interested in a copy of my latest FREE guide: Three Things No One Tells You About Retirement please click here. ... Also, if youre interested in a copy of my latest FREE guide: Three Things No One Tells You About Retirement please click here. ... What would John Wayne, George Burns or Jimmy Stewart say about retirement? I got close to getting their views by asking ...
... Table 3. Retirement benefit combinations: Access, civilian. workers,1 National ...
Here in alphabetical order is our list of the top 25 U.S. cities for a working retirement. We looked at job growth potential ... retirement no longer necessarily means totally leaving the workforce and living on pensions, Social Security and any other ... Here in alphabetical order is our list of the top 25 U.S. cities for a working retirement. We looked at job growth potential ... In todays financial uncertainty, retirement no longer necessarily means totally leaving the workforce and living on pensions, ...
No matter what lifestyle you hope to have in retirement, planning and saving are crucial to achieving your goal. The sooner you ... Click on the images below to view Dartmouth employees speaking about the importance of saving for retirement. (Files are ...
The Great Recession has rattled retirement plans for just about every consumer in the country, regardless of age. Stymied by a ... FLEDGLING 401(k)s: For the 77 percent who do contribute to retirement plans, the contribution level has dropped back down to 7 ... THERES NO MAGIC NUMBER: Its long been predicted 65 would no longer be THE retirement age marker and now a staggering 86 ... WERE BROKE: Workers gave two major reasons for delaying retirement - not being able to afford the luxury and needing to keep ...
... she says that with her current retirement assets, "I can never retire at all," despite being near retirement age. ... If you could go back in time to prepare for retirement, would you do things differently? A lot of people wish they had beefed ... Like many other people at or near retirement age, theres a lot she would have done differently, if shed known then what she ... Fernandez isnt alone in finding the waters of retirement perilous to navigate. In some ways, she is luckier than most, because ...
A court struck down a pension reform bill for the Chicago Park District, adding yet another retirement fund to the list of ... Last week, financial adviser Joseph Kelly visited a client who had seen the value of his retirement savings soar, thanks to a ... In one case, board members signed off on a raise, benefit changes and early retirement incentives as the official prepared to ... Orland Park Mayor Keith Pekau said early retirement programs will be offered to village employees in an effort to avoid layoffs ...
Retirement outcomes include full retirement, partial retirement and full-time work. Reverse flows from states of lesser to ... w1128 The Economics of Retirement Behavior. Lumsdaine, Stock, and Wise. Three Models of Retirement: Computational Complexity ... Integrating Retirement Models. Alan L. Gustman, Thomas Steinmeier. NBER Working Paper No. 15607. Issued in December 2009. NBER ... w13630 A Theory of Retirement. Chalmers and Reuter. w15608 How Do Retirees Value Life Annuities? Evidence from Public Employees ...
Explore personal finance topics including credit cards, investments, identity protection, autos, retirement, credit reports, ... Explore personal finance topics including credit cards, investments, identity protection, autos, retirement, credit reports, ...
The representatives wanting to raise the retirement age to 70 want working people to serve a period of homelessness before ... The representatives wanting to raise the retirement age to 70 want working people to serve a period of homelessness before ...
... Readiness. Less than one-third of retirement savers will have adequate savings when they reach retirement age.* ... Retirement. Aon retirement consultants translate complex data into actionable insights using a holistic global approach. We ... Our Real Deal Analysis and Retirement Adequacy Modeler measure income adequacy to help you make thoughtful retirement plan ... You have questions about your retirement plans tax, ERISA, legal and other plan design matters. Aons legal consulting team ...
... Diego Maradona retired from competitive football on his 37th birthday in 1997. Hes ...
That means saving more in a 401(k) or similar employee-provided retirement savings accounts, like a 403(b). Or, it means saving ... it means saving in Individual Retirement Accounts or Roth I.R.A.s. Later on, it may mean buying an annuity. Our collection of ... in Individual Retirement Accounts or Roth I.R.A.s. Later on, it may mean buying an annuity. Our collection of articles can ... That means saving more in a 401(k) or similar employee-provided retirement savings accounts, like a 403(b). Or, ...
Alicia Sacramone, one of the United States most decorated gymnasts with an American record 10 world championship medals, announced her retirement on Tuesday.
The main differences between the special retirement plan and the usual private sector retirement plans are the retirement age ... Special retirement plan reforms[edit]. In 1995 Alain Juppés government attempted to align the special retirement plan with the ... SNCF average retirement age: 52.5;. *The Banque de France has harmonised its retirement plan based on the civil servant one, ... 2 Beneficiaries of the special retirement plans. *3 Financing of the special retirement plans *3.1 Relative budgetary weight of ...
Now in his final season with the Yankees, the greatest closer of all time is picking up a bunch of retirement gifts as his ... Now in his final season with the Yankees, the greatest closer of all time is picking up a bunch of retirement gifts as his ... It combines Riveras notorious penchant for splitting opponents bats with a sly wink about him heading off into retirement. ...
Richard P. Seiter, Ph.D., CCA executive vice president and chief corrections officer, has formally announced his retirement, ... Richard P. Seiter, Ph.D., CCA executive vice president and chief corrections officer, has formally announced his retirement, ...
According to the Merrill Lynch New Retirement Study published in 2006, 71 percent of boomers say they will work after ... "Determined not to accept the traditional limiting definition that the word retirement brings, boomers are instead looking to ... retirement. But theirs is a generation of over-achievers; a generation that will not stop working altogether in the traditional ... while they may have already planned for their financial retirement, need the tools to plan for a more fulfilling and rewarding ...
... explore their retirement expectations and experiences and discuss how health and financial issues affect their retirement plans ... Baby Boomers Envision Retirement II: Survey of Baby Boomers Expectations for Retirement (2004). ... As boomers approach retirement they are less confident about financing their retirement through their own savings or pensions. ... whether they plan to gradually transition to full retirement or go directly from full time work to total retirement.. Boomers ...
More than 2,500 flags will be retired in Poquoson on June 14 during a Flag Day ceremony hosted by their American Legion Post 273 in Poquoson. Many bags of flags to go through, (L) Will Eastwood (C) Lech Hanger and (R) Mark Carroll inspect each one.
... 28 March 2019 After the successful introduction of Improve Your Understanding of Wellbeing and ... "I recommend you put any doubts you have about your retirement to one side and attend this workshop and make the most of it. No ... Michael was keen to recommend the workshop to fellow members and said: "As my full retirement was in sight, I wanted to find ... The workshops, which are aimed at members who are anticipating retirement in the next ten years, have been popular so far, with ...
20, 2005 -- Early retirement is supposed to give you extra golden years to enjoy. But that may not happen, a new study suggests ... People who retire at 55 are 89% more likely to die in the 10 years after retirement than those who retire at 65. ... Early Retirement, Early Death?. 55-Year-Old Retirees Die Sooner Than 65-Year-Old Retirees ... "Mortality improved with increasing age at retirement for people from both high and low socioeconomic groups," they found. " ...
If you have any questions or need additional information, please contact the Benefits Office at or call ... The University offers a 403(b)/401(a) Defined Contribution Retirement Plan and employees may invest with TIAA and/or Fidelity ... For questions regarding eligibility, please contact the Benefits Office at or call 215-926-2281 (7-2281). ... Employees eligible for the Defined Contribution Retirement Plan can enroll within 31 days of intial eligibility or during any ...
Two prominent Americans announced their retirements on Friday. Marc Ambinder reported early this morning that Rep. Bart Stupak ... But Stupaks announcement has been overshadowed by an even more noteworthy (although widely anticipated) retirement: that of ...
Senate passes reversal of Obama-era retirement savings rule for cities, counties The Senate has sent to President Donald Trump ... Obama to push for expanding retirement plans WASHINGTON -- President Barack Obama will pitch some new proposals to expand ... A sustained period of stock market volatility could impact the retirement savings accounts of millions of Americans. ... Everything you need to know about the Obama administrations new retirement plan By Richard Eisenberg ...
How is Retirement? This is a question I frequently get asked as I approach the fifth anniversary of my retirement from being ... So, How is Retirement?. This is a question I frequently get asked as I approach the fifth anniversary of my retirement from ... My wife says I am failing at retirement!. What are my strategic advantages and challenges?. Finally, lets talk about that all ... The simple answer is: retirement is great!. To give a more detailed answer I did a little organizational assessment of Harry, ...
... is the leading association for the retirement income industry. IRI proudly leads a national ... The Insured Retirement Institute (IRI), a not-for-profit organization located in downtown Washington, D.C., ... and advocates for the sustainable retirement solutions Americans need to help achieve a secure and dignified retirement. ... The Insured Retirement Institute (IRI), a not-for-profit organization located in downtown Washington, D.C., is the leading ...
  • Two prominent Americans announced their retirements on Friday. (
  • A sustained period of stock market volatility could impact the retirement savings accounts of millions of Americans. (
  • IRI provides an objective forum for communication and education, and advocates for the sustainable retirement solutions Americans need to help achieve a secure and dignified retirement. (
  • Aegis Gardens When the team at retirement community management company Aegis Living saw the plans for Aegis Gardens, a community for Chinese Americans near San Francisco, they loved them. (
  • The media are filled with articles on how few Americans have the necessary $1 million in their retirement portfolios that is required today to live comfortably. (
  • Its continuing theme: Americans do not save enough money for retirement. (
  • Yet millions of Americans don't have access to workplace retirement benefits -- a problem that plays a major factor in the country's savings crisis , advocates say. (
  • Experts recommend that Americans havemultiple sources of retirement income-including Social Security, personal savings, and employer-sponsoredsavings plans-to ensure financial health after their working years. (
  • Most Americans save for retirement through employer-provided plans, but over 30 million private sector workers lack access to a plan through their jobs. (
  • Millions of Americans buy the retirement industry's familiar song: Unless you save upwards of a million dollars, you are likely to end your days living on the street eating cat food. (
  • In fact, the study is more comprehensive in scope than others that strive to measure Americans' preparation for retirement. (
  • Health and economic factors, cognitive abilities, and personality traits can shape Americans' retirement paths. (
  • Almost half of all Americans have no retirement plan savings whatsoever. (
  • Between two stock market crashes and not saving enough in the last 16 years, coupled with increased expenses and inflation, Americans are very far behind on saving for retirement," says Carlos Dias Jr. , wealth manager, Excel Tax & Wealth Group , of Lake Mary, Florida. (
  • For the better part of a century the foundations for a semi-comfortable retirement for many Americans have rested on the financial pillars of rising real estate and equity prices, positive real interest rates on savings, the continued solvency of public and private pension plans, and the reliability of national entitlement programs (Social Security, Medicaid). (
  • For many Americans, the traditional idea of a comfortable retirement, filled with golf carts, cruises, and fishing trips, is going the way of the dodo bird. (
  • Given that IRAs-and retirement assets in general-are subject to both income and estate taxes, they were astounded to learn how big the tax bite can be. (
  • Many people forget to account for Uncle Sam's share of their pre-tax retirement accounts including 401(k)s and IRAs. (
  • Quick answers to common questions about retirement plans, including 401(k) plans, IRAs, Keoghs and SEPs. (
  • In its projection of retirement income, the study includes assets from 401(k) plans and IRAs, home equity, pension plans and projected Social Security income. (
  • Individual retirement arrangements (or IRAs) provide a way for you to set aside money for your retirement-for living expenses and to pay for the things you want to do when you have the time to do them, such as traveling or learning new skills. (
  • Like other retirement plans, IRAs offer tax advantages-specifically, the potential for tax-deferred or tax-free growth. (
  • Certain retirement plans, including a simplified employee pension (SEP) and a SIMPLE (Savings Incentive Match Plan for Employees of Small Employers) may be set up as IRAs, though they operate a little differently from those you set up yourself. (
  • Individual Retirement Accounts (IRAs) are savings accounts with specific income tax incentives and penalties designed to encourage working people to save for retirement. (
  • IRAs were first authorized in the Employee Retirement Income Security Act of 1974 (ERISA) as a means of encouraging working people to save for retirement. (
  • Recently, pre-retirement withdrawals from IRAs for higher-education costs and a first-time home purchase have been authorized. (
  • In this section, you'll find in-depth articles on retirement planning, covering topics such as how much money you'll need when you retire, the differences between Social Security, IRAs and 401ks, and when you can tap into your retirement fund. (
  • Retirement plans such as 401ks, individual retirement accounts (IRAs), and traditional defined benefit pensions can be important sources of income. (
  • Examples of words and phrases that you can use for a retirement word search puzzle include 'gone fishing,' 'extended vacation' and 'babysit the grand kids. (
  • People who retire at 55 are 89% more likely to die in the 10 years after retirement than those who retire at 65. (
  • Wealthier retirement savers are regaining confidence that they'll be able to afford to retire comfortably, but lower-income workers remain worried their nest eggs will fall short. (
  • If you are a member of the optional or integrated plan under the Montgomery County Employees' Retirement System (ERS) and hired before July 1, 2011, and retire under a normal, early, disability or discontinued service retirement, you are eligible for group insurance benefits. (
  • A new retirement-readiness study suggests that we save more and retire later. (
  • If he/she were to retire this year, their retirement pay would be 75% of that, or $4,002 per month. (
  • As you plan, you'll want to consider when you will retire, your expected costs during your retirement, and the best retirement savings plans for your individual circumstances. (
  • How much money you'll need in retirement will depend on when you retire, your estimated life expectancy, and your living and medical expenses. (
  • Employees who retire under KPERS and return to work in a KPERS covered position may have their KPERS retirement benefit impacted if the salary earned is more than the limit set by KPERS for the calendar year. (
  • Retirement: How to beat 'bag lady syndrome' Many people are afraid of "not being able to accumulate enough assets to retire with a life of dignity," financial expert says. (
  • Police officers in the United States may typically retire at half pay after 20 years of service, or three-quarter pay after 30 years, allowing retirement from the early forties. (
  • Today, retirement with a pension is considered a right of the worker in many societies, and hard ideological, social, cultural and political battles have been fought over whether this is a right. (
  • However, a country's tax laws or state old-age pension rules usually mean that in a given country a certain age is thought of as the "standard" retirement age. (
  • The legislation would prohibit members of the County Board from simultaneously receiving pay from Lake County if they are receiving benefits from the Illinois Municipal Retirement Fund, the state's government employee pension plan, from previous service in the same governmental position. (
  • Voters in Arizona have voted to amend their state's constitution in order to cut pension benefits for public employees in an effort to rescue ailing retirement funds. (
  • Mayor Rahm Emanuel outlined his proposal Wednesday to offset potentially financially crippling future public pension payments, calling for a Chicago casino, legal pot and a constitutional amendment that would allow for a change in public employees' retirement benefits. (
  • The hitch: That improved confidence was reported almost exclusively by higher-income households ($75,000 and up) and by those participating in an Individual Retirement Account or employer's pension or 401(k) plan, EBRI noted. (
  • Get the basics on retirement planning and pension benefits, such as how Social Security works, retiring from the civil service, and managing a private pension. (
  • Some may have other sources of income in retirement such as a traditional pension or money from selling a home that would lower their target savings rate. (
  • From how much state pension you'll get to how to get the best income from your private pension, our expert guides can help you plan your retirement. (
  • Use our pension calculators to build a financial picture for your retirement. (
  • Those approaching retirement need to protect their pension fund from sudden market falls. (
  • Today, retirement is rarely an all-or-nothing decision, where one day you are collecting a salary and the next your pension plan is converted into a fixed income for life. (
  • This may mean working part-time, doing consultancy work, or taking a retirement product that enables all or part of your pension fund to remain invested, potentially giving you a higher income in future. (
  • And, they contend, it would eliminate pension "double-dipping" by state employees and federal workers whose retirement system is considered the nation's best. (
  • If you leave state police employment with more than 10 years of service , but fewer than 25 years of service, and have not taken a refund of any personal contributions on account, you will qualify for a deferred retirement pension at age 50. (
  • Your annual pension benefit for a deferred retirement is calculated by multiplying your final average compensation (FAC) by 2 percent times your years of service . (
  • Be sure to apply for your deferred retirement pension at least 30 days, but no more than 90 days, before your 50th birthday. (
  • As the American workplace turns away from pension plans, the onus is increasingly on workers to secure their own retirements. (
  • It used to be that you could spend most of your career at one company and count on a pension once you reached retirement. (
  • Approaching Retirement [ 1.8 mb] is the first report of a three part series exploring how consumers think about and experience pension freedoms in the context of their broader lives. (
  • The second report will consider the experience of consumers withdrawing their DC pensions and the third will explore their thoughts on retirement after taking advantage of pension freedoms. (
  • The key finding in this report is that many consumers don't have a firm understanding of how their pension savings will convert into retirement income. (
  • Pension freedoms can facilitate this and allow people to phase into retirement, staying in work while also having more time to pursue other priorities. (
  • You will need to fill out a retirement application form in order to begin the monthly pension process. (
  • Early Retirement Windows ," Pension Research Council Working Papers 98-17, Wharton School Pension Research Council, University of Pennsylvania. (
  • Retirement and the Evolution of Pension Structure ," Journal of Human Resources , University of Wisconsin Press, vol. 40(2). (
  • Retirement and the Evolution of Pension Structure ," NBER Working Papers 9999, National Bureau of Economic Research, Inc. (
  • Their retirement pay (not a pension since they can be recalled to active duty at any time) is calculated on number of years on active duty, final pay grade and the retirement system in place when they entered service. (
  • Square brackets indicate early retirement for some public employees. (
  • Click on the images below to view Dartmouth employees speaking about the importance of saving for retirement. (
  • Access the industry's most complete and integrated solutions to help budget for and capitalize on risk, while helping your employees sufficiently save for retirement. (
  • The University offers a 403(b)/401(a) Defined Contribution Retirement Plan and employees may invest with TIAA and/or Fidelity Investments. (
  • Employees eligible for the Defined Contribution Retirement Plan can enroll within 31 days of intial eligibility or during any open enrollment period which is every June and December. (
  • Under the proposal, the civil service retirement system and the retirement plans of state and local government workers and employees of nonprofit organizatons who aren't covered by social security would be merged into the system by January, 1980. (
  • Federal and postal employees now contribute 7 per cent of their annual income into their retirement fund. (
  • Unlike the gamblin' ways of McClendon, this doesn't pose a threat to the company itself, but it does create a huge amount of risk for the company's employees and their hopes of a comfortable retirement. (
  • An alarmist would bring up Enron and the bludgeoning its employees' retirement accounts took when the company's stock collapsed. (
  • In a memo sent out this morning to its employees, Random House outlined an early retirement package now available to staffers 50 and over, which features enhanced benefits. (
  • So, during open enrollment in November 2011, she invited bilingual presenters to explain retirement and health benefits to Spanish-speaking employees. (
  • Such targeted retirement plan communication strategies-which may address employees' retirement plan behaviors, gender, culture and years from retirement-can increase participation in and contributions to retirement savings plans. (
  • Retirement communication focuses on increasing participation and contribution rates, discouraging employees from taking loans from their 401(k) accounts, and ensuring that investments are age- and risk-appropriate. (
  • The more targeted the retirement message is, the more relevant it becomes to employees. (
  • Macon Water Authority executive director Tony Rojas thanked the authority and his "loyal, dedicated employees" during his retirement luncheon May 21. (
  • Voya and TIAA-CREF agents are available to meet with employees to help in investment selection and retirement planning. (
  • Economic fluctuations and retirement of older employees ," Working Paper Series 2008:2, IFAU - Institute for Evaluation of Labour Market and Education Policy. (
  • I had concluded that millions of baby boomers would discover at age 65, much to their chagrin, that their plans for a comfortable retirement had been smashed by the reality of low economic growth, low returns from the stock market, their own insufficient savings programs for decades, and inflation. (
  • You walk into an auditorium with 1000 randomly selected people age 84, and of 900 of them, only 50% have a shot at a comfortable retirement. (
  • If I walk into an auditorium filled with 84-year-old men, and I tell them that 90% of them have a 50-50 chance at a comfortable retirement, that's because, on average, they only have a few months to live. (
  • Social Security benefits alone are not enough to assure you a comfortable retirement. (
  • Living well after you've stopped working is everyone's goal, but a comfortable retirement takes serious planning. (
  • The key to a comfortable retirement is saving early. (
  • According to , in 2019 a typical couple in the 56-to-61 age bracket without any retirement accounts had just $17,000 in savings. (
  • Nowadays, most developed countries have systems to provide pensions on retirement in old age , which may be sponsored by employers or the state. (
  • In today's financial uncertainty, retirement no longer necessarily means totally leaving the workforce and living on pensions, Social Security and any other accumulated nest egg. (
  • As boomers approach retirement they are less confident about financing their retirement through their own savings or pensions. (
  • Retirement and the provision of pensions and retirement benefits impact individuals, the private sector, community services, and nationalized health systems like Medicare. (
  • On top of this our research shows that three in four (74%) consumers with DC pensions see at least one other source - such as other savings, property or future inheritance - as key to their retirement income. (
  • Endogenous Pensions and Retirement Behavior ," Economics Working Paper Archive at Hunter College 410, Hunter College Department of Economics. (
  • Endogenous Pensions and Retirement Behavior ," CESifo Working Paper Series 1547, CESifo Group Munich. (
  • Ask those who are approaching or who have reached retirement age today whether saving for retirement was their biggest financial worry and the chances are, after three years of record low UK Base Rates and frequent bad news stories on pensions, a majority will admit to more than a passing concern. (
  • The furore over France's attempt to raise the retirement age from 60 to 62 'barely touches on the real problem,' he said, adding that retirement should be linked to life expectancy. (
  • It is also possible that the number of years spent in retirement could increase with increased life expectancy. (
  • For questions regarding eligibility, please contact the Benefits Office at [email protected] or call 215-926-2281 (7-2281). (
  • However, you are not eligible for group insurance benefits if you leave County service prior to retirement eligibility with a deferred vested benefit payable upon your normal retirement date. (
  • The earliest eligibility for a retirement benefit is at age 55 if vested, age 65 if not vested and within 5 years of that age, or any age if age and years of service equal 85. (
  • A critical question for Social Security policy is how program incentives affect retirement behavior. (
  • RAND has made policy-relevant contributions in developing and developed nations in the area of retirement research, including modeling future retirement trends, analyzing the determinants and health impacts of retirement, and understanding retirement consumption behavior. (
  • Hannon addressed many of the unique challenges women face when saving for retirement. (
  • Make saving for retirement a habit. (
  • Learn how to make smart decisions as to saving for retirement, working after retirement, withdrawing money from your 401(k) plan, and planning for a healthy and happy retirement. (
  • If you're just starting out in the workforce, it's time to start thinking about saving for retirement. (
  • Saving for retirement is essential if you want to enjoy your usual standard of living in your golden years. (
  • Those saving for retirement need help to boost their income and many require a degree of certainty in their planning as well. (
  • Since a retirement party is a celebration of one's career contributions, you can play a version of charades that centers around various occupations. (
  • Your target savings rate includes any contributions your employer makes to a retirement savings plan for you, such as an employer matching contribution. (
  • MADRID, March 15 (Reuters) - Spain will make it harder for people to take early retirement, in order to increase contributions to the social security system and make it more sustainable, Deputy Prime Minister Soraya Saenz de Santamaria said at a news conference on Friday. (
  • Not only does this help to ensure a financially secure future, it also makes financial sense right now: A retirement plan can take the teeth out of the tax bite because, in most instances, your contributions will be tax-deductible. (
  • These allow you to make direct, pre-tax contributions, often matched by your job, to a retirement account. (
  • An IRA is an independent retirement savings account, without matching contributions from you employer. (
  • If you are a vested KPERS member you may leave your contributions in the system or apply for a retirement benefit at retirement age. (
  • Older adults in their retirement years make significant contributions to family, community and the labour force yet barriers impacting their participation exist (e.g., ageist attitudes, access to technology and transportation, flexible work environments, meaningful and flexible volunteer opportunities). (
  • Remember to review your financial plans at least once a year to see if you need to make changes to stay on track for a secure retirement. (
  • Flickr / closari The Great Recession has rattled retirement plans for just about every consumer in the country, regardless of age. (
  • WE'RE ON OUR OWN: Most workers plan on self-funding their retirement, with the majority relying on employer-provided plans and their own - the same savings they say they haven't been able to build. (
  • FLEDGLING 401(k)s: For the 77 percent who do contribute to retirement plans, the contribution level has dropped back down to 7 percent. (
  • The Senate has sent to President Donald Trump legislation to scrap a regulation encouraging cities and counties to set up retirement savings plans for some private-sector workers. (
  • Distributions from retirement plans are subject to income taxes- and there is no way to avoid making distributions because tax laws require that distributions be made once you reach a certain age. (
  • In fact, combined income, estate, and generation‐​skipping taxes often exceed 75 percent when retirement plans are left to a nonspouse. (
  • By designating Cato the recipient of any benefit remaining in your retirement plans, you can make a highly tax‐​efficient gift. (
  • You may be able to find the plan administrator by looking up the company at FreeERISA's database of Form 5500 filings, which companies must submit to the government with information about their retirement plans. (
  • and the fees associated with retirement plans. (
  • Retirement income from a variety of sources-including Social Security, personal savings, and employer-sponsored savings plans-ensures a sound financial future. (
  • Doepker's plans were waylaid a bit as he participated in the development of the University of Dayton China Institute shortly after his retirement in 2011. (
  • Think you know a few things about retirement plans? (
  • But be careful -- many common perceptions about retirement plans are incomplete, misleading, or just plain wrong. (
  • Private sector retirement plans, like a 401k or IRA, also have limits on when you can begin withdrawing your funds. (
  • The European Court of Justice has pointed the finger at unequal retirement plans between men and women in the French civil service. (
  • For retirement plans, the law defines the actions that result in fiduciary duties and the extent of those duties. (
  • Latest advice on retirement planning, 401k plans and ira accounts. (
  • After the successful introduction of 'Improve Your Understanding of Wellbeing and Resilience' workshops in early 2018, the Chemists' Community Fund have been working with members of our local sections on pilot workshops to assist members who have retirement in sight. (
  • Your employer's retirement savings plan is an essential part of your future financial security. (
  • Don't touch your retirement savings. (
  • With some organizations spending upwards of 75% of their application software budgets on ongoing maintenance , [2] application retirement can deliver significant cost savings. (
  • Less than one-third of retirement savers will have adequate savings when they reach retirement age. (
  • WASHINGTON -- President Barack Obama will pitch some new proposals to expand access to retirement savings accounts and revisit some old ones when issuing his budget next month. (
  • The retirement savings you have accumulated in a tax-deferred 401(k) or individual retirement account can't all be used for retirement because you still owe taxes on each distribution. (
  • The timing of your retirement account withdrawals can play a big role in how much tax you pay on your retirement savings. (
  • You might be able to convert your retirement savings to a Roth IRA . (
  • A Roth IRA conversion allows you to pay the income tax on your retirement savings in the year you transfer your money from the traditional 401(k) or IRA to the Roth IRA. (
  • Aside from keeping you busy, returning to work lets you add to your retirement nest egg or pay for vacations and other extras without dipping into your savings. (
  • Among workers without any retirement savings plan, nearly half said they were "not at all confident" they would have a big enough nest egg, compared to just 11% of those with a plan. (
  • Meanwhile, out of all workers surveyed, many reported little or no retirement savings. (
  • When setting up your budget, it is important to include retirement savings. (
  • The target retirement savings rate tool will help you determine how much you need to save each year. (
  • This leaves approximately 40 percent to be replaced by retirement savings. (
  • The worksheet takes into account some factors that impact your retirement savings. (
  • If you change jobs, keep your savings in the plan or roll them over to another retirement account. (
  • Don't dip into retirement savings early. (
  • Pew's retirement savings project studies the challenges and opportunities for increasing retirement savings. (
  • How should I invest my retirement savings for safety and income? (
  • The implication: We might be forced to drain our assets if we don't proactively change our retirement or savings patterns now. (
  • Here's how we can tweak ourselves into a more secure retirement, according to the study: Increase our savings rates by 3 percentage points from an early age. (
  • You can put money into your IRA every year you're eligible, even if you are also enrolled in another kind of retirement savings plan through your employer. (
  • On the plus side, the mean retirement savings of working households age 32 to 61 is $95,776, according to the Economic Policy Institute. (
  • A 401k is a voluntary retirement savings plan sponsored by your employer. (
  • Successful retirement planning requires balancing many objectives at once, from how much savings to set aside today to how best to maximize your retirement funds later in life. (
  • Knowing that many of our customers are worried about retirement income, we looked hard at our savings range and came up with some new products and options to help keep them on track. (
  • Jim Coupe ends, 'Customers who use savings accounts as part of a retirement planning portfolio have had to struggle against the effects of generally low interest rates, which have often meant a real cut in disposable income. (
  • A secure retirement is one of your goals, right? (
  • You see, the greatest loss you will ever realize in an IRA, 401k, or any qualified retirement plan is the day you begin taking income distributions. (
  • Many of the actions needed to operate a qualified retirement plan involve fiduciary decisions - whether you hire someone to manage the plan for you or do the plan management yourself. (
  • The representatives wanting to raise the retirement age to 70 want working people to serve a period of homelessness before getting their Social Security. (
  • How to Pay Less Tax on Retirement Account Withdrawals. (
  • For example, if you want to pay a 12% tax rate on your retirement account withdrawals, you can withdraw only enough to keep your taxable income below $40,525 as an individual or $81,050 as part of a married couple in 2021. (
  • So, remember to subtract out the income tax you will pay on retirement account withdrawals when projecting your retirement income. (
  • If you keep your mandatory retirement funds that were payroll deducted with us when you make withdrawals, there is no current Kansas state income tax on those monies. (
  • Once your salary ends but before Social Security, you may be in the lowest tax bracket you will ever find yourself in retirement,' says Ryan Miyamoto, a certified financial planner and managing director of Derive Wealth in Pasadena, California. (
  • By saving half the tax and receiving this annual return, while earning just 5 percent during retirement, he would accumulate enough wealth to replace 43 percent of his last wage, and increase his yearly benefit at our historical 3.1 percent inflation rate. (
  • We use the wealth of new data available through the Health and Retirement Survey (HRS) to examine the impact of Social Security incentives on male retirement. (
  • Though it makes sense to save a few dollars for a rainy day, there is no evidence that great wealth is needed to enjoy a safe, secure, fulfilling retirement. (
  • In the past many retirees could count on accumulated stock market wealth to help fund retirement. (
  • citation needed] Recent advances in data collection have vastly improved our ability to understand important relationships between retirement and factors such as health, wealth, employment characteristics and family dynamics, among others. (
  • Twitter chat: What should women over 50 do to plan for retirement? (
  • If you're an older worker just starting to plan for retirement, you'll want to set even more aside. (
  • Germany was the first country to introduce retirement benefits in 1889. (
  • In the United States , while the normal retirement age for Social Security , or Old Age Survivors Insurance (OASI), historically has been age 65 to receive unreduced benefits, it is gradually increasing to age 67. (
  • If you have any questions or need additional information, please contact the Benefits Office at [email protected] or call 215-926-2281. (
  • A lot of information on retirement is published by the Employee Benefits Research Institute (EBRI), which has been researching this for decades. (
  • Other retirement worries included possible cuts to Social Security benefits and spiraling health care bills. (
  • Social Security retirement benefits should replace about 40 percent of an average wage earner's income after retiring. (
  • More than a third of all private sector workers lack access to a workplace plan-and 31 percent of those whose employers do offer retirement benefits don't. (
  • Even union officials who have received detailed briefings of the complicated "two-tier" system under the merger plan fear that it would result in a watering-down of future federal retirement benefits. (
  • This expansion will include special benefits for senior living, retirement and assisted living communities that sign on with the preferred provider program. (
  • In a recent discussion regarding expansion, Mr. Connolly discussed the benefits of the preferred provider program and what the open scouting call means for senior retirement communities. (
  • Already receiving retirement benefits? (
  • Apply For Retirement Benefits Our online retirement application lets you apply for retirement in as little as 15 minutes. (
  • Individuals who qualify for Social Security retirement benefits will be able to receive monthly payments, based on their lifetime earnings. (
  • If you're planning on early retirement, the earliest you can begin collecting your Social Security retirement benefits is age 62. (
  • If you're planning on working past normal retirement age, your available benefits could increase. (
  • Social Security rewards later retirement by increasing your monthly payments when you defer collecting benefits beyond full retirement age. (
  • However, benefits for late retirement stop accruing with Social Security at age 70 and you often must begin withdrawing from your IRA or 401k at 70.5 years old. (
  • It also includes the full range of complexity found in dynamic-stochastic models of retirement decision making, so far analyzed only in the context of single earner households. (
  • We read that "the lowest preretirement income quartile would need to defer retirement age to 84 before 90 percent of the households would have a 50 percent probability of success" (page 1). (
  • One of the factors that makes a major difference in the percentage of households satisfying the retirement income adequacy thresholds at any retirement age is whether the worker is still participating in a defined contribution plan after age 65. (
  • The study's authors came up with target replacement rates of pre-retirement income for the heads of American households when they reach age 65. (
  • Overall, American households need 73 percent of their pre-retirement income to continue their consumption patterns into retirement without compromising their lifestyles. (
  • Go here for resources to maximize your retirement. (
  • Retired boomers are fairly satisfied and pleasantly surprised by their retirement, despite having less money than they anticipated and being in poorer health. (
  • Most boomers are not in this top 20%, so they are trusting that Social Security and a little money in the bank will provide them with their retirement. (
  • Between ages 59 1/2 and 72, you are allowed to withdraw money from retirement accounts without triggering the 10% early withdrawal penalty, but are not yet required to take distributions from the account. (
  • After 25 years of retirement he'd still have money left over, about $12.7 million ($3.3 million in today's dollars). (
  • As you get raises over time, put more money aside for retirement . (
  • In fact, the toll on the human body and spirit it takes to amass large sums of money can make your retirement worse, rather than more comfortable. (
  • A broadly diversified retirement portfolio consisting of 40% large-cap U.S. stocks, 25% small-cap U.S. stocks, 25% U.S. bonds, and 10% cash has had a 98% success rate in lasting at least 35 years during retirement before running out of money. (
  • If a service member is diligent about contributing to TSP through their military career, especially when they are young, they can accumulate a good sized amount of money to supplement their military retirement pay. (
  • Retirement-It's More than the Money! (
  • There are two main drivers which determine if early retirement is even an option for you, says Kerry King, advisory partner at Citadel. (
  • More affluent and healthy boomers are more positive about their retirement years, whether they plan to gradually transition to full retirement or go directly from full time work to total retirement. (
  • If you participate in the mandatory retirement plan and you are age 55 or more with at least 10 years of full time service with one or more Kansas Board of Regents institution and your current appointment is 50% to 100%, you may request to enter into a Phased Retirement Agreement to help you begin the transition to full retirement. (
  • Learn about the rights and responsibilities you have under the federal law that governs your plan, the Employee Retirement Income Security Act (ERISA). (
  • To target retirement communication, first segment the employee population into groups by gender, age, cultural background and retirement plan behaviors. (
  • Financial security in retirement doesn't just happen. (
  • Even if retirement isn't in your near future, evaluating your financial and family needs can begin on day one of employment at NYU. (
  • Learn about 1:1 TIAA sessions, financial workshops, and other retirement resources. (
  • is written to appeal to the baby boomers who, while they may have already planned for their financial retirement, need the tools to plan for a more fulfilling and rewarding life after 50, according to Ms. Strewler-Carter and Mr. Carter, co-authors. (
  • The programme ranges from discussions surrounding the financial implications to providing support and advice on the emotions of retirement, as well as outlining the possibilities when faced with ill health. (
  • Earlier this week, we shared personal finance expert Kerry Hannon's six tips for women over 50 to achieve financial fitness before retirement. (
  • People recognize the need to save," but they aren't acting on that knowledge, said Greg Burrows, senior vice president of retirement and investor services at Principal Financial Group, one of the survey sponsors. (
  • An IRA may be either an individual retirement account you establish with a financial services company-such as a bank, brokerage firm or mutual fund company-or an individual retirement annuity that's available through an insurance company. (
  • A lot of financial advisors recommend replacing 80% of your usual income once you hit retirement. (
  • Telephone lines were open for viewer comments on the question, "Did the financial crisis delay your retirement? (
  • Q: If you could give people one piece of financial advice for retirement, what would it be? (
  • Many people plan their financial portfolio for their retirement years but less attention is given to thinking about how they will spend their time, how relationships may change over time or how changes in their personal health may impact their social networks. (
  • While financial planning is important there are other important aspects of life to consider as individuals approach retirement. (
  • If you are currently planning for retirement and are looking for the right financial instrument to achieve the best growth and income results, you are better off using a dividend stock investing approach rather than use annuities. (
  • DOUBT: Since the recession, more than 60 percent of 3,600 workers surveyed say they've lost confidence in their retirement goals. (
  • THERE'S NO MAGIC NUMBER: It's long been predicted 65 would no longer be THE retirement age marker and now a staggering 86 percent of workers in their 60s will work past their 65th birthday. (
  • WE'RE BROKE: Workers gave two major reasons for delaying retirement - not being able to afford the luxury and needing to keep their job for the income. (
  • GUESSING GAMES: When it comes to estimating how much we'll need to support ourselves in retirement, most workers said they just took a wild guess. (
  • Many employers also think older workers are just as productive as their younger counterparts, if not more so, according to a recent report by the Center for Retirement Research at Boston College. (
  • Backers of the merger say it would form the basis for a more equitable national retirement program for practically all American workers. (
  • Merger also would include about 4 million state and local government workers who now have their own retirement programs and about 1 million people who work for nonprofit groups. (
  • Some comgressmen also argue that the merger would eliminate the practice of allowing federal workers to "moonlight" or work minimum periods after retiring from the government to qualify for a basic monthly social security benefit of $114 in addition to their federal retirement. (
  • Most studies point to the same conclusion: Workers are not doing enough to prepare for a smooth transition to retirement. (
  • That's why younger workers need to plan for two decades or more of income in retirement. (
  • And, 35% of workers have $100,000 or more saved for retirement. (
  • Retirement account contribution limits will increase. (
  • Telephone lines were open for comments on the question, "Has the economy affected your retirement funds? (
  • Older Canadians are delaying their retirement for multiple reasons including the economy and personal reasons. (
  • TIAA-CREF offers individual counseling sessions on the Kansas City campus, view the retirement counseling schedule . (
  • You have questions about your retirement plan's tax, ERISA, legal and other plan design matters. (
  • Retirement outcomes include full retirement, partial retirement and full-time work. (
  • The preference structure incorporates heterogeneity in time preference, varying taste parameters for full-time and part-time work, and the possibility of changes in preferences after retirement. (
  • For example, we find that any effort to promote opportunities for partial retirement as a means to increase overall work is likely to be unsuccessful as any induced decline in full retirements is offset by a decrease in full-time work. (
  • those who descend into full retirement may see a decline in their mobility, and it seems mental health suffers as well during retirement due to less social contact and less cognitive challenge. (
  • Amplifying that by loading your retirement portfolio full of company stock is a terrible idea . (
  • However, withdrawing early will lead to a lower monthly benefit than if you begin receiving payments at full retirement age or later. (
  • If your request is determined to be in the best interest of the university and approved, you will be able to reduce your teaching and/or other responsibilities to between 25% and 50% of a full-time appointment while maintaining your current benefit status meaning that the employer match to the mandatory retirement plan is not reduced, the cost of your medical coverage does not change. (
  • The good news is that most retirees don't pay a lot of taxes in retirement, so the effect is small for most people. (
  • The study assumes a retirement age of 65 and that retirees will wring out the value from all their assets to make ends meet during retirement. (
  • Today's retirees are living in a 'golden age' that will fade as baby boomers and Generation Xers reach traditional retirement ages in the coming decades, say the study's authors. (
  • It involves developing and piloting a workshop for 'soon to be retirees' to explore the importance of social participation in retirement. (
  • Says TransAmerica: 'It's important for (millennials) to learn from their parents' generation versus repeating their retirement outcomes. (
  • As the French government reels from a series of strikes and protests over its plan to raise the retirement age from 60 to 62, a leading Brussels policy expert warns of more trouble ahead across Europe unless governments are frank with voters about the fundamental reforms required to grapple with the looming demographic crisis. (
  • [3] In most countries, the idea of retirement is of recent origin, being introduced during the late 19th and early 20th centuries. (
  • 1 In Denmark, early retirement is called efterløn and there are some requirements to be met. (
  • Early and normal retirement age depends on the birthday of the person filing for retirement. (
  • Early Retirement, Early Death? (
  • Oct. 20, 2005 -- Early retirement is supposed to give you extra golden years to enjoy. (
  • The voluntary early retirement option is something the publisher called, in closing of the memo, "an attractive opportunity for our colleagues who may be interested in making a professional change. (
  • Saving early for retirement is critical, but it's also important to stay on track during job changes. (
  • Early Retirement Windows ," Working Papers wp064, University of Michigan, Michigan Retirement Research Center. (
  • Early Retirement Windows ," Working Papers wp028, University of Michigan, Michigan Retirement Research Center. (
  • Accepting an Early Retirement Bonus an Empirical Study ," Journal of Human Resources , University of Wisconsin Press, vol. 23(1), pages 21-33. (
  • Early and normal retirement ages vary according to the date of birth of the person filing for retirement. (
  • Confused about the military's new Blended Retirement System or military retirement in general? (
  • The new Blended Retirement System (BRS) represents the first major change to the armed services' retirement system since the end of World War II. (
  • Research by AARP has consistently found that about 80% of baby-boomers say they plan to continue working, at least part-time, past the traditional retirement age of 65. (
  • Boomers reject the notion of a "balloon payment" of leisure stretching out for decades beyond traditional retirement age," says Marc Freedman, CEO of and author of The Big Shift: Navigating the New Stage Beyond Midlife . (
  • Participants must then enter into a formal signed retirement agreement by June 17, 2022. (
  • They strongly advise those still in the workforce to save more and to plan on working longer in order to more fully enjoy their retirement years. (
  • This infographic shows the most common ways people save for retirement. (
  • You can save through a retirement plan at work, on your own, or both. (
  • The more years you have until retirement, the less you will have to save each month to reach your goal. (
  • No matter your age, for every 10 years you delay starting to save for retirement, you need to save 3 times as much each month to catch up. (
  • The project strives to foster policy debate and action on how best to ensure that everyone has the opportunity to save a sufficient amount for retirement. (
  • Don't just save a constant amount each year until retirement. (
  • There are many ways to save for retirement and you will want to carefully craft a retirement plan to fit your needs. (
  • We find that such forward looking incentive measures for Social Security are significant determinants of retirement decisions. (
  • Just about half (49 percent) of all Generation Xers (born between 1965 and 1972) will fall short of retirement readiness. (
  • This paper advances the specification and estimation of models of retirement and saving in two earner families. (
  • We implement forward-looking models of retirement whereby individuals consider not just the incentives to work in the next year but in all future years as well. (
  • miAccount is the fastest and easiest way to apply for retirement - five simple steps and you're done! (
  • The answer depends, in part, on how capital markets perform throughout his working career and retirement. (
  • It offers three options to meet different career and retirement goals of our tenured faculty. (
  • In the United States, people live an average of 20 years after retirement. (
  • Planning for retirement may seem overwhelming. (
  • Unfortunately, when planning for retirement, a lot of folks focus only on finances, and fail to think about, or plan for, how they will spend their time. (
  • The site also provides contact information for individuals in each school, and in Work Life , who also can answer questions about retirement. (
  • Because the company still exists, it's much easier to track down information about an old retirement plan than it can be from smaller employers or companies that have merged or disappeared. (
  • Some may face higher expenses in retirement because of personal circumstances. (
  • The points that follow provide more information on the issues people approaching retirement need to focus on in the present economic circumstances. (
  • Future Social Security Entitlements and the Retirement Decision. (
  • Yet, your real tax liability in retirement will be based on a variety of income sources including how much you take from each account, whether there are any capital gains taxes to be paid, whether you have dividend and interest income and how much you get from Social Security. (
  • The plan to merge the civil service retirement system into Social Security took an important, if shaky, step forward yesterday. (
  • Social Security is part of the retirement plan for almost every American worker. (
  • Plan for your future and understand how Social Security fits into your retirement. (
  • Labor Supply Responses to Social Security ," Working Papers wp050, University of Michigan, Michigan Retirement Research Center. (
  • How to Evaluate the Effects of Social Security Policies on Retirement and Saving When Firm Policies Affect the Opportunities Facing Older Individuals ," Working Papers wp078, University of Michigan, Michigan Retirement Research Center. (