Challenges women face in retirement security / Jean B. Larou, editor.

Format:

Book

Contributor:

Larou, Jean B.

Series:

Retirement issues, plans and lifestyles.

Retirement issues, plans and lifestyles series

Language:

English

Subjects (All):

Women--Retirement--United States.

Women.

Physical Description:

1 online resource (149 p.)

Edition:

1st ed.

Place of Publication:

New York : Nova Science Publishers, c2009.

Language Note:

English

Summary:

This text focuses on women and retirement. The book consists of public domain documents which have been located, gathered, combined, reformatted, and enhanced with a subject index, selectively edited and bound to provide easy access.

Contents:

Intro

CHALLENGES WOMEN FACE IN RETIREMENT SECURITY

LIBRARY OF CONGRESS CATALOGING-IN-PUBLICATION DATA

CONTENTS

PREFACE

Chapter 1: TESTIMONY OF JEAN CHATZKY, BEFORE THE SPECIAL COMMITTEE ON AGING, UNITED STATES SENATE,MARCH 15, 2006

Chapter 2: TESTIMONY OF SARA COLE HART, BEFORE THE UNITED STATES SENATE SPECIAL COMMITTEE ON AGING, MARCH 15, 2006

REVIEW OF THE REASONS WOMEN ARE MORE LIKELY TO END THEIR LIFE IN A STATE OF POVERTY

RECOMMENDATIONS FOR SOLUTIONS TO THE PENSION CRISIS FACED BY WOMEN

REFERENCES

Chapter 3: TESTIMONY OF M. CINDY HOUNSELL, WOMEN'S INSTITUTE FOR A SECURE RETIREMENT, BEFORE THE SENATE SPECIAL COMMITTEE ON AGING, HEARING ON WOMEN'S RETIREMENT INCOME, MARCH 15, 2006

INTRODUCTION

A COMING CRISIS

THE REASONS WOMEN FACE RETIREMENT INCOME INSECURITY

WHAT POLICYMAKERS CAN DO

PROPOSED SOLUTIONS:WHAT EMPLOYERS CAN DO

WHAT WOMEN CAN DO: FIVE IMPORTANT STEPS WOMEN CAN TAKE

IF WE DON'T ACT

CONCLUDING REMARKS

Chapter 4: TESTIMONY OF KARYNE JONES, PRESIDENT AND CHIEF EXECUTIVE OFFICER, THE NATIONAL CAUCUS AND CENTER ON BLACK AGED, INC.,BEFORE THE SENATE SPECIAL COMMITTEE ON AGING,MARCH 15, 2006, DIRKSEN SENATE OFFICE BUILDING*

THE SPECIAL CHALLENGES OF WOMEN IN PREPARING FOR FINANCIAL SECURITY IN RETIREMENT

POLICY REFORMS

Chapter 5: SENATE SPECIAL COMMITTEE ON AGING, BRIDGING THE GENDER GAP: ELIMINATING RETIREMENT INCOME DISPARITY FOR WOMEN, TESTIMONY OF BARBARA KENNELLY, PRESIDENT, NATIONAL COMMITTEE TO PRESERVE SOCIAL SECURITY AND MEDICARE, MARCH 15, 2006

Chapter 6: STATEMENT OF SENATOR HERB KOHL -MARCH 15, 2006, "BRIDGING THE GENDER GAP: ELIMINATING RETIREMENT INCOME DISPARITY FOR WOMEN"*.

Chapter 7: STATEMENT OF CHAIRMAN GORDON H. SMITH, U.S. SENATE SPECIAL COMMITTEE ON AGING, "BRIDGING THE GENDER GAP: ELIMINATING RETIREMENT INCOME DISPARITY FOR WOMEN", MARCH 15, 2006

Chapter 8: WRITTEN STATEMENT FOR THE U.S. SENATE SPECIAL COMMITTEE ON AGING, HEARING ON BRIDGING THE GENDER GAP: ELIMINATING RETIREMENT INCOME DISPARITY FOR WOMEN, MARCH 15, 2006, "GENDER DISPARITIES IN RETIREMENT SECURITY"

OVERVIEW OF GENDER DISPARITIES IN CURRENT RETIREE INCOME SOURCES

GENDER DISPARITIES IN RETIREMENT PROGRAM PARTICIPATION AMONG CURRENT WORKERS

INCREASING IMPORTANCE OF INDIVIDUAL ACCOUNT PLANS FOR FUTURE RETIREMENT INCOME SECURITY

RETIREMENT INCOME ADEQUACY

RESULTS

Chapter 9: WHAT EVERY WOMAN SHOULD KNOW

WHAT SOCIAL SECURITY MEANS TO YOU

YOUR SOCIAL SECURITY RECORD AND NUMBER

IF YOU CHANGE YOUR NAME

IF YOU ARE A VICTIM OF FAMILY VIOLENCE

SOCIAL SECURITY NUMBERS FOR CHILDREN

WHAT YOUR SOCIAL SECURITY TAXES PAY FOR

SOME SPECIAL EMPLOYMENT SITUATIONS

WHEN YOU RETIRE

IF YOU BECOME DISABLED

WHEN YOU ARE READY TO APPLY

BENEFITS FOR YOUR FAMILY

IF YOU SHOULD DIE

IF YOU HAVE INCOME FROM A GOVERNMENT PENSION

IF YOU HAVE NOT WORKED OR DO NOT HAVE ENOUGH SOCIAL SECURITY CREDITS

IF YOU BECOME A WIDOW

IF YOU ARE DIVORCED

IF YOU HAVE LIMITED INCOME

IF YOU ARE A CAREGIVER

PROTECTION OF PERSONAL INFORMATION

MORE INFORMATION

Chapter 10: WOMEN AND RETIREMENT SAVINGS

DO YOU KNOW?

START HERE...START NOW

IT'S UP TO YOU

RESOURCES

Chapter 11: RETIREMENT SECURITY: WOMEN FACE CHALLENGES IN ENSURING FINANCIAL SECURITY IN RETIREMENT

WHAT GAO FOUND

WHY GAO DID THIS STUDY

ABBREVIATIONS

RESULTS IN BRIEF

BACKGROUND

WOMEN HAVE LESS RETIREMENT INCOME THAN MEN LARGELY BECAUSE OF DIFFERENCES IN LABOR FORCE PARTICIPATION AND LIFETIME EARNINGS.

CERTAIN LIFE EVENTS MAY REDUCE WOMEN'S RETIREMENT RESOURCES MORE THAN MEN'S

SPECIFIC CHANGES TO SOCIAL SECURITY AND EMPLOYER SPONSORED PENSIONS WILL AFFECT WOMEN DIFFERENTLY THAN MEN BECAUSE OF DIFFERENCES IN LIFETIME WORK HISTORIES

IMPLEMENT DEPENDENT CARE CREDITS

INCREASE MINIMUM BENEFIT

INCREASE SURVIVOR BENEFITS

REDUCE SPOUSAL BENEFITS AND INCREASE SURVIVOR BENEFITS

REDUCE DURATION OF MARRIAGE REQUIREMENT FOR DIVORCED SPOUSE BENEFIT ELIGIBILITY

LOWERING VESTING REQUIREMENTS

AUTOMATIC ROLLOVER UPON LEAVING EMPLOYMENT PRIOR TO RETIREMENT AGE

CONCLUDING OBSERVATIONS

AGENCY COMMENTS

APPENDIX I: METHODOLOGY

ASSUMPTIONS AND LIMITATIONS

DESCRIPTION OF SIMULATED SOCIAL SECURITY MODIFICATIONS

DESCRIPTION OF SIMULATED PENSION MODIFICATIONS

DATA RELIABILITY

BENCHMARK POLICY SCENARIOS

APPENDIX II: SIMULATION RESULTS FOR SOCIAL SECURITY MODIFICATIONS

APPENDIX III: LOW BENEFIT AVOIDANCE RATES

APPENDIX IV: EFFECT OF SIMULATED REFORM ON SOCIAL SECURITY SYSTEM SOLVENCY

INDEX.

Notes:

Description based upon print version of record.

Includes bibliographical references and index.

Description based on print version record; title from PDF title page, viewed (07/23/2020).

ISBN:

1-61728-176-X

1-4416-6972-8

OCLC:

923668230