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Sample records for demantelement enseignements retires

  1. Retirement.

    ERIC Educational Resources Information Center

    Carp, Frances M., Ed.

    This comprehensive look at retirement as a transitional life stage was instituted by the Federal Government in order to initiate theory building in this much neglected area. Conferences participated in by experts were held at intervals so as to maximize interactive thinking. Following this give and take, participants formulated theoretical models…

  2. Ah, Retirement! Hmm, Retirement?

    ERIC Educational Resources Information Center

    Vance, Jack O.

    1976-01-01

    Discusses the disadvantages of compulsory retirement at age 65 for senior business executives and suggests several possible ways companies can make good use of the experience and expertise of retirement-age executives. (Available from Business Horizons, School of Business, Indiana University, Bloomington, Indiana 47401; $2.50, single copy) (JG)

  3. Disability retirement

    NASA Technical Reports Server (NTRS)

    Eck, R. L.

    1975-01-01

    Eligibility for disability retirement is discussed. General guidelines and a few standards are given. Usually the same basic medical principles apply to the evaluation of claims for disability retirement as apply to determining medical suitability for initial employment.

  4. Retiring Lives

    ERIC Educational Resources Information Center

    Carnell, Eileen, Ed.; Lodge, Caroline, Ed.

    2009-01-01

    "Retiring Lives" presents fourteen personal real life stories from people at various stages of retiring. Each author recounts their own story about retiring, bringing together many aspects of the experiences: the social, psychological and practical. These inspirational and illustrated stories will encourage the reader to hold up these experiences…

  5. Eliminating Mandatory Retirement: Effects on Retirement Age.

    ERIC Educational Resources Information Center

    Holden, Karen C.; Hansen, W. Lee

    1989-01-01

    Uncapping the mandatory retirement age is unlikely to alter retirement age by much, but it will lead to substantially higher pensions for faculty members who continue to work. Institutions must monitor retirement-age behavior in order to restructure pension and other benefits appropriately to meet income and retirement objectives. (Author/MSE)

  6. Transition to Retirement Jobs.

    ERIC Educational Resources Information Center

    Iams, Howard M.

    Many retired persons return to work, to some extent, following their retirement. Data from the 1982 New Beneficiary Survey (NBS) of 4,212 women and 5,307 men were examined to determine the employment of retired-worker beneficiaries who were working 18-30 months after first receiving retired-worker benefits. According to the NBS data, over…

  7. Retirement and relevant contemplation.

    PubMed

    Khan, H U; Latif, S A

    2010-01-01

    Retirement literally means withdrawing from the service. The retirement age varies from country to country, generally between 55 and 70 years. There are many effects of retirement upon retirees. The physical and mental health may be disrupted or decline or may remain unaffected. Early retirement have an increased mortality than those who retired lately. Mandatory retirement is applicable to certain occupation like military personnel and airline pilot. Life after retirement from service may have many options like retired community, charities, tourism, and care for grand children or devote to a hobby or sports. The responsibilities of the Government, family and society are the key for the betterment of retired persons. Staying healthy, maintaining social support, spiritual life, good finance and making daily routine prevent stress after retirement. PMID:20046191

  8. The Case Against Retirement

    ERIC Educational Resources Information Center

    Fallon, Berlie J.

    1976-01-01

    For those who accept retirement as we now know it in America, the system awaits with all its entrapments. For those who are against retirement, there are many attractive alternatives worth the struggle of swimming upstream. (Author)

  9. Retirement and wealth.

    PubMed

    Gustman, A L; Steinmeier, T L

    The decision to retire is related to the decision to save and to a number of other decisions, including decisions of when to claim Social Security benefits and what share of assets to hold as pensions, Social Security, and in other forms. This article explores the relationships among these various decisions and then explains why it is important to take them into account when attempting to understand the effects of changing Social Security and related policies on retirement outcomes. To understand how Social Security benefits affect retirement behavior, and the implications of changing such features as the Social Security early retirement age, the Social Security Administration and others have begun to estimate and use single-equation models of retirement. We explain why the kind of simple model they use is likely to provide a misleading guide for policy. Even if one's primary interest is in the relationship between Social Security policy and the decision to retire, it is important to incorporate other key decisions into the analysis. These simple models relate the probability of retiring to measures of changes in the value of Social Security benefits when retirement is postponed. The basic problem is that because the omitted factors are related systematically both to retirement outcomes and to the measured reward to postponing retirement, a simple retirement equation credits the effects of the omitted factors to the included measures of changes in Social Security benefits. New policies will change the relationship between retirement and the increase in the value of Social Security benefits with postponed retirement, resulting in incorrect predictions of the effects of new policies. When we fit single-equation retirement models, we find a variety of evidence that important behaviors have been omitted. These models include variables measuring the age of the respondent. These age variables suggest there is a sharp increase in the probability of retirement at age 62

  10. Faculty Emeriti: Retirement Reframed

    ERIC Educational Resources Information Center

    Fishman, Seth Matthew

    2010-01-01

    With the graying of the professoriate continuing and the massive number of baby boomers entering retirement age, universities and college administrations need to adequately prepare for retirement. This is beginning to cause some staffing shortages in the faculty pipeline as well as the loss of institutional history and professional knowledge.…

  11. Early Retirement Payoff

    ERIC Educational Resources Information Center

    Fitzpatrick, Maria D.; Lovenheim, Michael F.

    2014-01-01

    As public budgets have grown tighter over the past decade, states and school districts have sought ways to control the growth of spending. One increasingly common strategy employed to rein in costs is to offer experienced teachers with high salaries financial incentives to retire early. Although early retirement incentive (ERI) programs have been…

  12. Ways We Retire

    ERIC Educational Resources Information Center

    Maloney, Wendi A.

    2007-01-01

    This article talks about the retired faculty members from different types of institutions around the country that were interviewed to find out how well their preparations for retirement are serving them now. Like other state employees in California, faculty members at public institutions participate in the California Public Employees' Retirement…

  13. Preparing for asset retirement.

    PubMed

    Luecke, Randall W; Reinstein, Alan

    2003-04-01

    Statement of Financial Accounting Standards (SFAS) No. 143 requires organizations to recognize a liability for an asset retirement obligation when it is incurred--even if that occurs far in advance of the asset's planned retirement. For example, organizations must recognize future costs associated with medical equipment disposal that carries hazardous material legal obligations. PMID:12735191

  14. 78 FR 33911 - Phased Retirement

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-06-05

    ...The Office of Personnel Management (OPM) is proposing to implement phased retirement, a new human resources tool that allows full-time employees to work a part-time schedule while beginning to draw retirement benefits. Section 100121 of the ``Moving Ahead for Progress in the 21st Century Act,'' or ``MAP-21,'' authorizes phased retirement under the Civil Service Retirement System and the......

  15. Does retirement age impact mortality?

    PubMed

    Hernaes, Erik; Markussen, Simen; Piggott, John; Vestad, Ola L

    2013-05-01

    The relationship between retirement and mortality is studied with a unique administrative data set covering the full population of Norway. A series of retirement policy changes in Norway reduced the retirement age for a group of workers but not for others. Difference-in-differences estimation based on monthly birth cohorts and treatment group status show that the early retirement programme significantly reduced the retirement age; this holds true also when we account for programme substitution, for example into the disability pension. Instrumental variables estimation results show no effect on mortality of retirement age; neither do estimation results from a hazard rate model. PMID:23542020

  16. Health and Retirement: Do Changes in Health Affect Retirement Expectations?

    ERIC Educational Resources Information Center

    McGarry, Kathleen

    2004-01-01

    Health plays a vital role in the decision making process of retirement for an employee. The changes in retirement expectations are driven to a much greater degree by change in health rather than change in income or wealth.

  17. Hearing Impairment and Retirement

    PubMed Central

    Fischer, Mary E; Cruickshanks, Karen J; Pinto, Alex; Klein, Barbara E K; Klein, Ronald; Dalton, Dayna S

    2013-01-01

    BACKGROUND Many factors influence the decision to retire including age, insurance and pension availability along with physical and mental health. Hearing impairment may be one such factor. PURPOSE The purpose of this study was to compare the 15 year retirement rate among subjects with and without hearing impairment. RESEARCH DESIGN Prospective, population-based study STUDY SAMPLE Subjects were participants in the Epidemiology of Hearing Loss Study (EHLS), a longitudinal investigation of age-related hearing loss. Participants who were working full- or part-time in 1993–1995 were included (n=1410, mean age=57.8 years). DATA COLLECTION AND ANALYSIS Data from four EHLS phases (1993–1995, 1998–2000, 2003–2005, and 2009–2010) were analyzed in 2010–2012. Hearing impairment was defined as a pure tone threshold average (at 0.5,1,2 and 4 kHz) greater than 25 dB HL in the worse ear. Employment status was determined at each of the four phases. Kaplan-Meier estimates of the cumulative incidence of retirement were calculated and Cox discrete-time modeling was used to determine the effect of hearing impairment on the rate of retirement. RESULTS The cumulative incidence of retirement was significantly (p < 0.02) higher in those with a hearing impairment (77%) compared to those without a hearing impairment (74%). After adjustment for age, gender, self-reported health, and history of chronic disease, there was no significant difference in the rate of retirement between those with and without a hearing impairment (Hazard Ratio (HR) = 0.9, 95% Confidence Interval (CI) = 0.7, 1.1). Similar results were observed when hearing aid users were excluded, when hearing impairment was based on the better ear thresholds, and when analyses were restricted to those less than 65 years of age and working full-time at baseline. Participants with a hearing impairment were less likely to state that the main reason for retirement was that the time seemed right. CONCLUSIONS Hearing impairment

  18. To Retire or Not to Retire? That Is the Question

    ERIC Educational Resources Information Center

    Matthews, Janet R.

    2013-01-01

    During the 1960s, there was extensive hiring of college and university faculty members. This large group of professors are now at or nearing retirement age. Concerns about the economy, the availability of good health insurance, increased life expectancy, and removal of mandatory retirement laws may influence decisions about when to retire.…

  19. Views of Retirement by Active and Retired Protestant Ministers.

    ERIC Educational Resources Information Center

    Payne, Barbara; Brewer, Earl D. C.

    The Protestant ministers' occupational characteristics affect their retirement experience. Unlike most retirees, Protestant ministers tend to experience residential and church moves. A national study was conducted to examine the effects of retirement experienced by retired ministers and anticipated by active ministers of the Presbyterian Church in…

  20. Pre-Retirement Rehearsal Project: Money to Retire On.

    ERIC Educational Resources Information Center

    Ellenberg, Donna

    This sixth in a series of six packages of instructional materials developed by the Pre-Retirement Rehearsal Project contains a student's pre-retirement booklet specifically intended for adults with limited reading ability and teacher's guide, which consider financial planning for retirement, including such topics as types of income, Social…

  1. The Retirement Planning Specialty.

    ERIC Educational Resources Information Center

    Dennis, Helen

    2002-01-01

    Workplace changes and increased longevity have heightened the need for retirement planning specialists. Specialists are beginning to focus more holistically on life planning and addressing the challenges of technology and the needs of low-income adults. (Contains 15 references.) (SK)

  2. Reaching Out in Retirement

    ERIC Educational Resources Information Center

    Ghezzi, Patti

    2007-01-01

    This article reports that across the country, retired superintendents are finding fulfillment as mentors, either formally or informally, spontaneously or planned. Some are paid, but most are volunteers who remember their first year running a school district and want to ease the transition for others. Some want to focus on leadership development.…

  3. Planning Your Retirement.

    ERIC Educational Resources Information Center

    American Association of Retired Persons, Washington, DC.

    This guidebook raises important issues for older workers to think about in planning for retirement. Sections of the book explore such areas as the following: changing roles and relationships; health and fitness; meaningful use of time, with a sampler of activities from which one may choose; working options, including a brief description of a…

  4. Planning Your Retirement.

    ERIC Educational Resources Information Center

    American Association of Retired Persons, Washington, DC.

    This guidebook on retirement planning helps potential retirees by raising important issues in such areas as changing roles and relationships, health and fitness, meaningful use of time, working options, financial and estate planning, and housing and lifestyle. The first section, on attitude and role adjustments, discusses support systems, changing…

  5. Java Tool Retirement

    Atmospheric Science Data Center

    2014-05-15

    ... 08:00 am EDT Event Impact:  The ASDC Java Order Tool was officially retired on Wednesday, May 14, 2014.  The HTML Order Tool and additional options are available from our Order Data Page .  Please update all bookmarks.     ...

  6. Retirement Preparation: Growing Corporate Involvement.

    ERIC Educational Resources Information Center

    Aging and Work: A Journal on Age, Work and Retirement, 1980

    1980-01-01

    A survey of the nation's largest corporations on their attitudes toward retirement and older workers revealed a heightened awareness of inflation's effect on retirees and of the need for retirement planning programs. Though few such programs presently exist, interest in employer-employee cooperation in retirement preparation is rising. (SK)

  7. The Trend toward Retirement Jobs

    ERIC Educational Resources Information Center

    Buddy, Juanita Warren

    2008-01-01

    Many library media specialists are deciding to return to the workplace after retiring from full-time employment. This article focuses on general information about the trend of retirees acquiring retirement jobs, how and why retired library media specialists return to work, their perceptions of challenges facing library media programs, and advice…

  8. Retirement: The Challenge of Change.

    ERIC Educational Resources Information Center

    Brady, E. Michael, Ed.

    Intended for persons in their 50s and 60s who are seriously thinking about retirement and younger people who want to learn about aging and retirement, this book was developed as a companion piece to the training program offered to business and nonprofit organizations by the University of Southern Maine retirement planning team. Most of the…

  9. Retirement as Meaningful: Positive Retirement Stereotypes Associated with Longevity

    PubMed Central

    Ng, Reuben; Allore, Heather G.; Monin, Joan K.; Levy, Becca R.

    2016-01-01

    Studies examining the association between retirement and health have produced mixed results. This may be due to previous studies treating retirement as merely a change in job status rather than a transition associated with stereotypes or societal beliefs (e.g., retirement is a time of mental decline or retirement is a time of growth). To examine whether these stereotypes are associated with health, we studied retirement stereotypes and survival over a 23-year period among 1,011 older adults. As predicted by stereotype embodiment theory, it was found that positive stereotypes about physical health during retirement showed a survival advantage of 4.5 years (hazard ratio = 0.88, p = .022) and positive stereotypes about mental health during retirement tended to show a survival advantage of 2.5 years (hazard ratio = 0.87, p = .034). Models adjusted for relevant covariates such as age, gender, race, employment status, functional health, and self-rated health. These results suggest that retirement preparation could benefit from considering retirement stereotypes. PMID:27346893

  10. Optimal Retirement with Increasing Longevity*

    PubMed Central

    Bloom, David E.; Canning, David; Moore, Michael

    2014-01-01

    We develop an optimizing life-cycle model of retirement with perfect capital markets. We show that longer healthy life expectancy usually leads to later retirement, but with an elasticity less than unity. We calibrate our model using data from the US and find that, over the last century, the effect of rising incomes, which promote early retirement, has dominated the effect of rising lifespans. Our model predicts continuing declines in the optimal retirement age, despite rising life expectancy, provided the rate of real wage growth remains as high as in the last century. PMID:24954970

  11. Retirement Planning Revisited: Retirement Plans Must Be Reviewed Periodically.

    ERIC Educational Resources Information Center

    Knopf, Winfield G.

    1994-01-01

    A number of economic and social factors suggest that this is an appropriate time for colleges and universities to review employee retirement plans. Information that employees should have for retirement planning is reviewed, and basic principles for institutions to use in selecting a pension company are outlined. (MSE)

  12. The Myth of Employee Planning for Retirement

    ERIC Educational Resources Information Center

    Morrison, Malcolm H.

    1975-01-01

    A survey of male hourly-wage earners indicates employees face serious problems in planning for income security in retirement. Retirement preparation programs that supply information and technical planning expertise are needed to assist employees in realistic retirement planning. (EA)

  13. Retirement Planning with a Difference.

    ERIC Educational Resources Information Center

    Merikangas, Marilyn

    1983-01-01

    Points out that retirement planning seminars often are designed to impart the economic and pragmatic aspects while neglecting feelings that accompany this and other major life transitions. Indicates that consideration must be given to the social and psychological implications of retirement. (JOW)

  14. Retirement Patterns and Income Inequality

    ERIC Educational Resources Information Center

    Fasang, Anette Eva

    2012-01-01

    How do social policies shape life courses, and which consequences do different life course patterns hold for individuals? This article engages the example of retirement in Germany and Britain to analyze life course patterns and their consequences for income inequality. Sequence analysis is used to measure retirement trajectories. The liberal…

  15. Retirement as a Learning Process

    ERIC Educational Resources Information Center

    Hodkinson, Phil; Ford, Geoff; Hodkinson, Heather; Hawthorn, Ruth

    2008-01-01

    This article draws upon a major qualitative empirical research investigation in Great Britain to explore the relationships between retirement and learning. Though retirement is frequently viewed as an event leading to a life stage, our data show that it can perhaps be best understood as a lengthy process. This process begins well before actual…

  16. Working Women, Marriage, and Retirement.

    ERIC Educational Resources Information Center

    Lapkoff, Shelley; Fierst, Edith

    Women are at a disadvantage under both Social Security and private employee pension plans because the retirement systems were set up at a time when most women were non-working spouses of employed men, a condition that no longer exists. Today women workers, divorcees, and widows of retirees often find themselves with inadequate retirement benefits…

  17. The Gift Package of Retirement

    ERIC Educational Resources Information Center

    Draayer, Donald R.

    2007-01-01

    The hunger for significance in life never ends. What changes in one's retirement is how one fills that need. For most school administrators, introspection and investigation into possibilities for post-retirement years begin prior to one's resignation; however, the intensity of thought, feeling, and deliberation moves to a much higher plane once…

  18. Psychological Aspects of Retirement

    PubMed Central

    Harris, David J.

    1983-01-01

    Retirement is a normal phenomenon which is not a crisis for most people. However, those who have previously had difficulty coping with major life events may be expected to experience difficulties at this time of life. Some will experience mild symptoms of anxiety, as part of an adjustment reaction to late life. A minority will suffer a significant depressive reaction. In most of these cases, however, other significant life events and factors will have triggered breakdown. In the milder cases psychotherapy is the main treatment of choice, either individually or conjointly with the spouse. Antidepressant drugs and other physical treatments may have a part to play in some cases. Imagesp529-a PMID:21283348

  19. 20 CFR 404.1088 - Retirement payment to retired partners.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... financial obligations to you (in his or her capacity as a partner) except to make the retirement payments... set out in 26 CFR 1.1402(a)-(17) and the conditions in paragraph (b) of this section are met....

  20. 20 CFR 404.1088 - Retirement payment to retired partners.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... set out in 26 CFR 1.1402(a)-(17) and the conditions in paragraph (b) of this section are met. The... partner in the DEF partnership, retired from the partnership as of December 31, 1976. The taxable year...

  1. Plan Now to Prepare for Your Retirement

    ERIC Educational Resources Information Center

    Kersten, Thomas A.

    2011-01-01

    For teachers, in particular, the importance of early retirement investing has never been more critical. The reality is that, decades from now, when teachers arrive at retirement age, their current state teacher retirement plan may have changed substantially. As a result, they do not want to reach retirement and regret that they never considered…

  2. Predictors of Perceptions of Involuntary Retirement

    ERIC Educational Resources Information Center

    Szinovacz, Maximiliane E.; Davey, Adam

    2005-01-01

    Purpose: Retirement is often treated as a voluntary transition, yet selected circumstances can restrict choice in retirement decision processes. We investigated conditions under which retirees perceive their retirement as "forced" rather than "wanted." Methods: Analyses relied on Waves 1-4 of the Health and Retirement Survey (N = 1,160; 572 men…

  3. 5 CFR 842.212 - Deferred retirement.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... this section, an employee or Member who has not attained the minimum retirement age, and who, after... following the date on which the individual attains the minimum retirement age or, if later, (ii) A date the... retirement age, and is reemployed before filing an application for retirement based on that separation,...

  4. Back to School for Retired Baby Boomers

    ERIC Educational Resources Information Center

    Bumgardner, Stan

    2009-01-01

    Across the nation, schools increasingly are tapping into a vast resource pool--retired educators. The potential effects of the retirement boom--baby boomers reaching retirement age--have been well documented. An April 2009 "New York Times" article estimates that by 2013, more than one-third of the nation's 3.2 million teachers could retire. One…

  5. Does Stock Market Performance Influence Retirement Intentions?

    ERIC Educational Resources Information Center

    Goda, Gopi Shah; Shoven, John B.; Slavov, Sita Nataraj

    2012-01-01

    Media reports predicted that the stock market decline in October 2008 would cause changes in retirement intentions, due to declines in retirement assets. We use panel data from the Health and Retirement Study to investigate the relationship between stock market performance and retirement intentions during 1998-2008, a period that includes the…

  6. Metaphors for Retirement: Unshackled from Schedules

    ERIC Educational Resources Information Center

    Sargent, Leisa D.; Bataille, Christine D.; Vough, Heather C.; Lee, Mary Dean

    2011-01-01

    This study uses metaphor analysis to examine the meanings of retirement for a group of 35 retired Canadian executives and managers. Our analysis identified eight metaphors relating to the meanings of retirement. The findings provide us with a range of insights into the experience of retirement, from loss of purpose and identity to liberation from…

  7. From the Vantage of Retirement.

    ERIC Educational Resources Information Center

    Veatch, Jeannette

    1996-01-01

    Discusses four areas of reading instruction that the author (a retired distinguished educator) believes have been neglected or misunderstood: Sylvia Ashton-Warner's Key Vocabulary, the Alphabetic Principle, transmogrification of spoken to written language, and individualized reading. (SR)

  8. Preparing for Time after Retirement.

    ERIC Educational Resources Information Center

    Fernau, C.

    1983-01-01

    One important area of activities for which retiring workers could be prepared is undoubtedly that which lies in the field of social services in which trade unions everywhere are increasingly engaged. (SSH)

  9. HEALTH AND RETIREMENT STUDY (HRS)

    EPA Science Inventory

    HRS is a national panel study based on biennial interviews. The study provides a portrait of an aging America's physical and mental health, insurance coverage, financial status, family support systems, labor market status, and retirement planning.

  10. Retiring the central executive.

    PubMed

    Logie, Robert H

    2016-10-01

    Reasoning, problem solving, comprehension, learning and retrieval, inhibition, switching, updating, or multitasking are often referred to as higher cognition, thought to require control processes or the use of a central executive. However, the concept of an executive controller begs the question of what is controlling the controller and so on, leading to an infinite hierarchy of executives or "homunculi". In what is now a QJEP citation classic, Baddeley [Baddeley, A. D. (1996). Exploring the central executive. Quarterly Journal of Experimental Psychology, 49A, 5-28] referred to the concept of a central executive in cognition as a "conceptual ragbag" that acted as a placeholder umbrella term for aspects of cognition that are complex, were poorly understood at the time, and most likely involve several different cognitive functions working in concert. He suggested that with systematic empirical research, advances in understanding might progress sufficiently to allow the executive concept to be "sacked". This article offers an overview of the 1996 article and of some subsequent systematic research and argues that after two decades of research, there is sufficient advance in understanding to suggest that executive control might arise from the interaction among multiple different functions in cognition that use different, but overlapping, brain networks. The article concludes that the central executive concept might now be offered a dignified retirement. PMID:26821744

  11. Aging in Sweden, Part 1: Retirement Planning.

    ERIC Educational Resources Information Center

    Skoglund, John

    1980-01-01

    Explores the relationship between retirement planning and demographic and attitudinal factors. One-third of the sample had planned for retirement. Planning was more common among males and high-status individuals. (Author)

  12. Timing of Retirement: Including a Delay Discounting Perspective in Retirement Models

    ERIC Educational Resources Information Center

    Bidewell, John; Griffin, Barbara; Hesketh, Beryl

    2006-01-01

    This research examined the influence of delay and anticipated health and enjoyment on the amount of retirement savings sacrificed for early retirement. In addition to testing and supporting predictions that willingness to sacrifice retirement savings would be less with shorter delays to retirement, greater anticipated health, and greater…

  13. Early and Late Retirement Exits

    ERIC Educational Resources Information Center

    Brougham, Ruby R.; Walsh, David A.

    2009-01-01

    The current study proposes that personal need fulfillment (relatedness, generativity, identity, growth, and finances) predicts early and late retirement intentions. The personal needs of 160 full-time older employees were measured by personal goals, job satisfactions, job characteristics, and intrinsic motivation. Results suggest that the personal…

  14. Retirement Planning the Easy Way.

    ERIC Educational Resources Information Center

    Fields, Cheryl D.

    1996-01-01

    Options available to college faculty for planning their retirement benefits are described, including defined benefit plans, defined contribution plans, and methods for customizing a pension plan. Data for 1993 on American households owning interest-earning assets (passbook savings, money market deposit accounts, certificates of deposit, checking…

  15. Retirement: An Ego Alien View

    ERIC Educational Resources Information Center

    Frank, Helen

    1977-01-01

    Since knowledge of ego development can be used in professional work, a needed classification of attitudes toward the work ethic is advanced. A radical departure from our retirement policy towards those over 65 years of age requires additional competence on the part of counselors in the field of aging. (Author)

  16. Retirement: When, Why, and How?

    PubMed Central

    Beck, David E.

    2011-01-01

    Retirement from a career in Colon and Rectal Surgery is usually a personal decision. The details of when, why, and how are individually specific and are shaped by life experience, desires, personal and family commitments, as well as financial considerations. PMID:22654572

  17. Alternative Approaches to Retirement Testing.

    ERIC Educational Resources Information Center

    Flanagan, John C.

    It has been proposed that the same type of aptitude and ability tests required for initial job entry be used to indicate whether an individual can continue to perform effectively in that job. A review of the nature of such tests indicates that they would be inappropriate for use in retirement decisions. A proficiency test of the kind used at the…

  18. Phased Retirement: The European Experience.

    ERIC Educational Resources Information Center

    Swank, Constance

    This report provides United States corporate and union policymakers with practical information on one alternative work pattern for older employees--phased retirement--from European colleagues who already have implemented or negotiated specific phasing programs. An introduction provides details on the collection of information from companies in…

  19. The Issue of Mandatory Retirement

    ERIC Educational Resources Information Center

    Sheppard, Harold L.

    1978-01-01

    The emerging issue will center on costs to the total economy of early retirement for a growing population whose life expectancy is continuing to rise. Available from The American Academy of Political and Social Science, 3937 Chestnut St., Philadelphia, Pennsylvania 19104; $18.00 annually. (Author/IRT)

  20. An Evaluation of Mandatory Retirement

    ERIC Educational Resources Information Center

    Givens, Harrison, Jr.

    1978-01-01

    This paper discusses the issues raised by mandatory retirement, the meaning of the new law, the law's specifics, and the uncertainties still ahead. Available from the The American Academy of Political and Social Science, 3937 Chestnut St., Philadelphia, Pennsylvania 19104; $18.00 annually. (Author)

  1. Reconceptualizing Retirement for Black Americans.

    ERIC Educational Resources Information Center

    Gibson, Rose C.

    1987-01-01

    Examined subsample of nonworking older Black Americans (N=295) from the National Survey of Black Americans sample. Found four factors contributed significantly to respondents' unretired-retired status: indistinct line between lifetime and old age work patterns, view that occasional work is necessary, income from other than private pensions, and…

  2. The Ever-Changing Meanings of Retirement

    ERIC Educational Resources Information Center

    McVittie, Chris; Goodall, Karen

    2012-01-01

    Shultz and Wang (April 2011) drew attention to the ways in which understandings of retirement have changed over time, both in terms of the place of retirement in the lives of individuals and in terms of how retirement can no longer usefully be taken to comprise a single defining event. As the authors pointed out, psychological research has…

  3. Early Retirement: The Cost to Canadian Universities.

    ERIC Educational Resources Information Center

    Jefferson, Anne L.

    A study examined effects of early retirement plans (ERP) at Canadian Universities. In response to current conditions within Canadian universities and a Canadian Supreme Court decision upholding mandatory retirement requirements, many universities have sought to encourage faculty retirement through ERPs. In order to study the cost of such programs,…

  4. Psychological Effects of the Transition to Retirement

    ERIC Educational Resources Information Center

    Osborne, John W.

    2012-01-01

    Psychological effects of disengagement from a work life and the transition to retirement are discussed. These effects include partial identity disruption, decision paralysis, diminished self trust, experience of a post retirement void, the search for meaningful engagement in society, development of a retirement/life structure, the confluence of…

  5. The Current State of Retirement Planning.

    ERIC Educational Resources Information Center

    Dennis, Helen

    1989-01-01

    The author (1) identifies groups involved in retirement planning, (2) describes recent accomplishments within the field, (3) recommends ways to address unmet needs, and (4) identifies emerging trends. Trends in retirement planning include early retirement, differentiation between married and single prospective retirees, and competition for…

  6. Women's Caregiving Careers and Retirement Financial Insecurity

    ERIC Educational Resources Information Center

    Orel, Nancy A.; Landry-Meyer, Laura; Spence, Maria A. S.

    2007-01-01

    Providing the essential care for children and aged relatives has immediate and long-term financial consequences for women, particularly financial insecurity in retirement. Women's caregiving careers are examined in relationship to the impact on retirement. The need for career and retirement education and counseling aimed at women who assume…

  7. 5 CFR 842.206 - Involuntary retirement.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Involuntary retirement. 842.206 Section... (CONTINUED) FEDERAL EMPLOYEES RETIREMENT SYSTEM-BASIC ANNUITY Eligibility § 842.206 Involuntary retirement... separates from the service involuntarily after completing 25 years of service, or after becoming age 50...

  8. Retirement Can Be Golden for Your Health

    MedlinePlus

    ... a 2014 Gallup poll. Ding said the average retirement age in Australia is just over 63 years. "I think it is important to plan for retired life with a positive mindset," she said. "Some people get anxious about retirement because they may lose a sense of purpose." ...

  9. Changing Retirement Age: Ups and Downs.

    ERIC Educational Resources Information Center

    Wiatrowski, William J.

    2001-01-01

    In recent years, legislative changes, new types of retirement plans, and increases in life expectancy have led to differences in retirement ages. More older adults continue to work. The traditional model of social security, savings, and employer retirement benefits is changing. (Contains 31 notes and references.) (SK)

  10. Learning to Work No Longer: Exploring "Retirement"

    ERIC Educational Resources Information Center

    Hodkinson, Heather

    2010-01-01

    Purpose: The purpose of this paper is to explore learning for and through retirement from the workplace. Design/methodology/approach: First, "retirement" is considered in the light of the existing literature, demonstrating a complex concept. The paper describes the research project from which a theme of retirement as a learning process has…

  11. 78 FR 68981 - Electronic Retirement Processing

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-11-18

    ...The Office of Personnel Management (OPM) is adopting its proposed regulations applicable to electronic benefits processing under the Civil Service Retirement System (CSRS), the Federal Employees' Retirement System (FERS), the Federal Employees' Group Life Insurance (FEGLI), the Federal Employees Health Benefits (FEHB), and the Retired Federal Employee Health Benefits (RFEHB) Programs. These......

  12. Psychosocial Implications of Women and Retirement.

    ERIC Educational Resources Information Center

    Perkins, Kathleen

    1992-01-01

    Explores retirement and women, many of whom are economically insecure when they retire. Argues that, because of prevailing myth among women that they will be cared for in old age and fear of aging, women often do not aggressively plan for retirement. Contends that women's movement should begin to advocate for women's preparation for realities of…

  13. Heterogeneity in spending change at retirement

    PubMed Central

    Hurd, Michael D.; Rohwedder, Susann

    2014-01-01

    The simple one-good model of life-cycle consumption requires that consumption be continuous over retirement; yet prior research based on partial measures of consumption or on synthetic panels indicates that spending drops at retirement, a result that has been called the retirement-consumption puzzle. Using panel data on total spending, nondurable spending and food spending, we find that spending declines at small rates at retirement, rates that could be explained by mechanisms such as the cessation of work-related expenses, unexpected retirement due to a health shock or by the substitution of time for spending. We find substantial heterogeneity in spending change at retirement: in the upper half of the wealth distribution spending increased. In the low-wealth population where spending did decline at higher rates, the main explanation for the decline appears to be early retirement due to poor health, possibly augmented by a short planning horizon by a minority of the population. PMID:24524026

  14. Retirement effects on health in Europe

    PubMed Central

    Coe, Norma B.; Zamarro, Gema

    2013-01-01

    What are the health impacts of retirement? As talk of raising retirement ages in pensions and social security schemes continues around the world, it is important to know both the costs and benefits for the individual, as well as the governments’ budgets. In this paper we use the Survey of Health, Ageing and Retirement in Europe (SHARE) dataset to address this question in a multi-country setting. We use country-specific early and full retirement ages as instruments for retirement behavior. These statutory retirement ages clearly induce retirement, but are not related to an individual’s health. Exploiting the discontinuities in retirement behavior across countries, we find significant evidence that retirement has a health-preserving effect on overall general health. Our estimates indicate that retirement leads to a 35 percent decrease in the probability of reporting to be in fair, bad, or very bad health, and an almost one standard deviation improvement in the health index. While the self-reported health seems to be a temporary impact, the health index indicates there are long-lasting health differences. PMID:21183235

  15. Reconceptualizing retirement: A status-based approach.

    PubMed

    Hershenson, David B

    2016-08-01

    The one thing on which essentially all retirement scholars agree is that there is no generally accepted definition of the term "retirement." Hence, it is not surprising that a plethora of competing models of the stages of retirement has been generated. To cut this Gordian knot, this paper proposes that the concept of statuses, which are not necessarily mutually exclusive or sequential, replace the idea of stages. Statuses better reflect observed human behavior and are more open to multicultural application, thus facilitating retirement research and clinical practice. The retirement statuses proposed here, which can exist in any combination or sequence, are retrenchment, exploration, try-out, involvement, reconsideration, and exiting (forming the acronym RETIRE). PMID:27531447

  16. Did the Great Recession influence retirement plans?

    PubMed

    Szinovacz, Maximiliane E; Davey, Adam; Martin, Lauren

    2015-04-01

    The recent recession constitutes one of the macro forces that may have influenced workers' retirement plans. We evaluate a multilevel model that addresses the influence of macro-, meso-, and micro-level factors on retirement plans, changes in these plans, and expected retirement age. Using data from Waves 8 and 9 of the Health and Retirement Study (N=2,618), we find that individuals with defined benefit plans are more prone to change toward plans to stop work before the stock market declined, whereas the opposite trend holds for those without pensions. Debts, ability to reduce work hours, and firm unionization also influenced retirement plans. Findings suggest retirement planning education may be particularly important for workers without defined pensions, especially in times of economic volatility. PMID:25651572

  17. Retaining nursing faculty beyond retirement age.

    PubMed

    Williamson, Marvel L; Cook, Linda; Salmeron, Lois; Burton, Denise

    2010-01-01

    The number of nursing faculty planning to retire by 2020 is alarming. To develop strategies for retaining faculty, researchers asked: What factors influence the decision by nursing faculty to stay in the workforce past retirement age? What barriers could be removed that would encourage faculty to stay longer? Using Giorgi's analysis method, findings from 6 faculty teaching past retirement age revealed key meaning units and grand themes that match Maslow's Hierarchy of Inborn Needs. PMID:20548182

  18. 5 CFR 838.611 - Identifying the retirement system.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... retirement system, such as military retired pay, Foreign Service retirement benefits or Central Intelligence... §§ 838.303(b)(1) and 838.502(b)(1). (c) A court order affecting military retired pay, even when military retired pay has been waived for inclusion in CSRS annuities, does not award a former spouse a portion...

  19. Extending the Integrated Model of Retirement Adjustment: Incorporating Mastery and Retirement Planning

    ERIC Educational Resources Information Center

    Donaldson, Tarryn; Earl, Joanne K.; Muratore, Alexa M.

    2010-01-01

    Extending earlier research, this study explores individual (e.g. demographic and health characteristics), psychosocial (e.g. mastery and planning) and organizational factors (e.g. conditions of workforce exit) influencing retirement adjustment. Survey data were collected from 570 semi-retired and retired men and women aged 45 years and older.…

  20. Managing Your TIAA-CREF Retirement Accounts. Investment Strategies To Maximize Retirement Income.

    ERIC Educational Resources Information Center

    Goodall, Leonard E.; Corney, William J.

    This book offers investment strategies for participants in the primary retirement organization for universities and nonprofit organizations, the Teachers Insurance and Annuity-College Retirement Equities Fund (TIAA-CREF). The investment principles outlined also apply to retirement funds offered by other investment companies. The book's scope…

  1. The Retirement Equity Act, Survivor Benefits Protections, and Public Employee Retirement Systems.

    ERIC Educational Resources Information Center

    Liebig, Phoebe S.

    The Retirement Equity Act (REA) sets out requirements for joint and survivor annuity coverage for married individuals who participate in federally regulated retirement plans. REA-mandated provisions do not apply to state and local government retirement systems. Because state and local government employees constitute a significant part of the work…

  2. Planning for Retirement with a Tax-Sheltered Mutual Fund.

    ERIC Educational Resources Information Center

    Schnee, Edward J.; And Others

    1983-01-01

    Greater attention has been focused on the role that employer-sponsored retirement plans and individual savings must play in ensuring retirement income security. Alternative tax retirement planning opportunities currently available to college personnel are explored. (MLW)

  3. Older Workers and Bridge Employment: Redefining Retirement

    ERIC Educational Resources Information Center

    Ulrich, Lorene B.; Brott, Pamelia E.

    2005-01-01

    The authors present a qualitative study that explored the transition experiences of older workers who retired from long-term careers and who were working in bridge jobs (i.e., transitional work between career employment and retirement). Using grounded theory methodology, the authors interviewed 24 older workers to learn why they decided to pursue…

  4. Financing Retirement: Rural and Urban Preferences.

    ERIC Educational Resources Information Center

    McFadden, Joan R.; Makela, Carole J.

    Current income and anticipated income are important considerations in people's preretirement planning for when and where to retire. Community characteristics, suitable and affordable housing, utility costs, and natural resources may be weighed when decisions about where and when to retire are under consideration. If pre-retirees are to carry out…

  5. 78 FR 14233 - Electronic Retirement Processing

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-03-05

    ... Regulations, by updating the regulations previously published at 72 FR 73573 (December 28, 2007). OPM is... OF PERSONNEL MANAGEMENT 5 CFR Part 850 RIN 3206-AM45 Electronic Retirement Processing AGENCY: Office... electronic recordkeeping and automated retirement processing improvements being deployed by OPM,...

  6. Leisure and the Retired Professor: Occupation Matters

    ERIC Educational Resources Information Center

    Dorfman, Lorraine; Kolarik, Douglas

    2005-01-01

    Little attention has been given to the leisure activities of retired professors, whose activity patterns in retirement may be different from those of other occupational groups because of their lifetime commitment to work. This interview study uses both quantitative and qualitative data to investigate: (a) the leisure and professional activities of…

  7. 22 CFR 20.4 - Retirement benefits.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Retirement benefits. 20.4 Section 20.4 Foreign Relations DEPARTMENT OF STATE PERSONNEL BENEFITS FOR CERTAIN FORMER SPOUSES § 20.4 Retirement benefits. (a) Type of benefits. (1) A former spouse who meets the qualification requirements of § 20.3 is entitled...

  8. 20 CFR 633.306 - Retirement benefits.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 20 Employees' Benefits 3 2010-04-01 2010-04-01 false Retirement benefits. 633.306 Section 633.306 Employees' Benefits EMPLOYMENT AND TRAINING ADMINISTRATION, DEPARTMENT OF LABOR MIGRANT AND SEASONAL FARMWORKER PROGRAMS Program Design and Administrative Procedures § 633.306 Retirement benefits. No...

  9. The Future of Retirement in Canadian Universities.

    ERIC Educational Resources Information Center

    Flanagan, Thomas

    1984-01-01

    There is a strong movement toward legal abolition of fixed-age retirement in Canada. Several factors justify the existing practice, but these arguments are unlikely to prevail, and institutions should consider administrative measures such as facilitation of early retirement, modified benefit plans, and more systematic faculty assessment throughout…

  10. Are You Planning and Saving for Retirement?

    ERIC Educational Resources Information Center

    Yakoboski, Paul

    2007-01-01

    In 2005, TIAA-CREF sponsored its first-ever "Retirement Confidence Survey of College and University Faculty" to discover the answer to this question: How well are faculty members taking advantage of employer-sponsored pension plans and saving for retirement? An additional objective of the project was to compare the survey's findings for higher…

  11. Retirement Planning Strategies for Midlife Women.

    ERIC Educational Resources Information Center

    McKenna, Judy; Nickols, Sharon Y.

    1986-01-01

    Discusses factors that influence women in their daily living (economic and demographic factors, feelings about mathematics ability, risk taking, and locus of control), retirement planning concerns of midlife women, retirement planning strategies and the role of educators in this planning, and social-psychological strategies. (CT)

  12. An Introduction to NCOA's Retirement Planning Program.

    ERIC Educational Resources Information Center

    Fitzpatrick, Edmund W.

    1980-01-01

    Describes the National Council on the Aging (NCOA)-Industry Consortium Retirement Planning Program, which consists of eight modules corresponding to eight major areas of retirement planning: life-style planning, financial planning, new careers, leisure time, health, interpersonal relationships, living arrangements, and community services. (SK)

  13. Retirement Plan Consortium Structures for K-12

    ERIC Educational Resources Information Center

    Kevin, John

    2012-01-01

    As school districts continue to seek administrative efficiencies and cost reductions in the wake of severe budget pressures, the resources they devote to creating or expanding retirement plan consortia is increasing. Understanding how to structure a retirement plan consortium is paramount to successfully achieving the many objectives of…

  14. Retirement Systems of the American Teacher.

    ERIC Educational Resources Information Center

    Schmid, W. William

    The descriptive-analytical detail of this study provides confirmation of the generality that, if teachers continue with the profession long enough, they will retire with allowance payments close to or even below poverty levels. The research reviews most aspects of teacher retirement including: (1) historical and philosophical background; (2)…

  15. 20 CFR 404.1050 - Retirement payments.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... or annuities) on account of your retirement for age are not excluded from wages unless— (a) The... 20 Employees' Benefits 2 2010-04-01 2010-04-01 false Retirement payments. 404.1050 Section 404.1050 Employees' Benefits SOCIAL SECURITY ADMINISTRATION FEDERAL OLD-AGE, SURVIVORS AND...

  16. Retirement Policy. Overview. ERIC Digest No. 38.

    ERIC Educational Resources Information Center

    Winkfield, Patricia Worthy

    While the Federal Government has been involved in the care of the elderly since the depression, a comprehensive and unified national retirement policy has never been established. Federal programs for the aged have avoided cutbacks, but adaptations in present retirement policy are required to meet the needs of young and old alike. Although public…

  17. Retirement Plans of Instructional Faculty and Staff.

    ERIC Educational Resources Information Center

    Chronister, Jay L.; Baldwin, Roger G.

    1996-01-01

    This analysis of the retirement plans of college and university faculty and staff used data from the 1993 National Study of Postsecondary Faculty. It first determined the proportion of faculty who are age 55 or older by institutional type, discipline, gender, and minority/nonminority status and then analyzed their retirement plans using the same…

  18. Youth Individual Development Accounts: Retirement Planning Initiatives

    ERIC Educational Resources Information Center

    Shobe, Marcia A.; Sturm, Stephanie L.

    2007-01-01

    Given the growing interest in a privatized Social Security system and the lack of adequate retirement planning among many people in the United States, many households are often ill prepared for retirement. The outlook for low-income populations is even bleaker because they are often not privy to the same financial education and asset-building…

  19. Socioeconomic Determinants of Early Retirement in Canada.

    ERIC Educational Resources Information Center

    McDonald, P. Lynn; Wanner, Richard A.

    1984-01-01

    This study attempts to determine the main socioeconomic factors influencing the decision to retire before age 65 among Canadian men and women. The study concludes that early retirees tend to be single men and married women employed by others who are better educated and whose nonearned income is higher than those who retire at a later age.…

  20. Creating a therapeutic milieu in retirement communities.

    PubMed

    Bekhet, Abir; Zauszniewski, Jaclene A

    2011-01-01

    Elderly persons' relocation to retirement communities is a stressful event that requires person-milieu adjustment. Research has shown differences in relocation adjustment for elders residing in different retirement communities. A secondary analysis used findings from a study of relocated elders in order to determine whether certain therapeutic factors were lacking in retirement communities where elders had difficulty in adjusting. Study participants were 104 elders who relocated to six retirement communities in Northeast Ohio. This study analyzed qualitative data from the researchers' observations and field notes and narratives obtained from the elders who participated in the original study. The analysis focused on data that described the environmental characteristics of retirement communities where elders reported less successful adjustment. These environmental characteristics were evaluated for consistency with the characteristics of Shives' therapeutic milieu. Most retirement communities in the study did not fulfill all eight dimensions of a therapeutic milieu as defined by Shives. For example, individualized treatment programs were lacking in most of the retirement communities and the activities offered were not based on individual assessment and did not contribute to personal growth. The findings point to the need to create a more therapeutic milieu in retirement communities in order to facilitate successful readjustment for relocated elders. PMID:21574846

  1. 22 CFR 20.4 - Retirement benefits.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 22 Foreign Relations 1 2012-04-01 2012-04-01 false Retirement benefits. 20.4 Section 20.4 Foreign Relations DEPARTMENT OF STATE PERSONNEL BENEFITS FOR CERTAIN FORMER SPOUSES § 20.4 Retirement benefits. (a) Type of benefits. (1) A former spouse who meets the qualification requirements of § 20.3 is entitled...

  2. 22 CFR 20.4 - Retirement benefits.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 22 Foreign Relations 1 2014-04-01 2014-04-01 false Retirement benefits. 20.4 Section 20.4 Foreign Relations DEPARTMENT OF STATE PERSONNEL BENEFITS FOR CERTAIN FORMER SPOUSES § 20.4 Retirement benefits. (a) Type of benefits. (1) A former spouse who meets the qualification requirements of § 20.3 is entitled...

  3. 20 CFR 633.306 - Retirement benefits.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 20 Employees' Benefits 3 2011-04-01 2011-04-01 false Retirement benefits. 633.306 Section 633.306 Employees' Benefits EMPLOYMENT AND TRAINING ADMINISTRATION, DEPARTMENT OF LABOR MIGRANT AND SEASONAL FARMWORKER PROGRAMS Program Design and Administrative Procedures § 633.306 Retirement benefits. No...

  4. 22 CFR 20.4 - Retirement benefits.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 22 Foreign Relations 1 2011-04-01 2011-04-01 false Retirement benefits. 20.4 Section 20.4 Foreign Relations DEPARTMENT OF STATE PERSONNEL BENEFITS FOR CERTAIN FORMER SPOUSES § 20.4 Retirement benefits. (a) Type of benefits. (1) A former spouse who meets the qualification requirements of § 20.3 is entitled...

  5. 22 CFR 20.4 - Retirement benefits.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 22 Foreign Relations 1 2013-04-01 2013-04-01 false Retirement benefits. 20.4 Section 20.4 Foreign Relations DEPARTMENT OF STATE PERSONNEL BENEFITS FOR CERTAIN FORMER SPOUSES § 20.4 Retirement benefits. (a) Type of benefits. (1) A former spouse who meets the qualification requirements of § 20.3 is entitled...

  6. 20 CFR 633.306 - Retirement benefits.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 20 Employees' Benefits 3 2012-04-01 2012-04-01 false Retirement benefits. 633.306 Section 633.306 Employees' Benefits EMPLOYMENT AND TRAINING ADMINISTRATION, DEPARTMENT OF LABOR MIGRANT AND SEASONAL FARMWORKER PROGRAMS Program Design and Administrative Procedures § 633.306 Retirement benefits. No...

  7. Retired, on Campus, and at Home.

    ERIC Educational Resources Information Center

    Schaffer, Jerry; Bram, Leslie

    2003-01-01

    Describes the retirement community supported by the University of Florida in Gainesville. The Oak Hammock facility is to be an integrated community in which retirees are active participants in the university campus community. The various university colleges will play different roles in the retirement community, whether in health care or…

  8. Second Wind: Handbook for Happy Retirement.

    ERIC Educational Resources Information Center

    Kelly, Philip J.

    Reflecting 10 years of actual retirement experience, the author attempts to prove that older people can live interesting dynamic lives right to the last moment. The book, with its conversational, step-by-step style, has been written for anybody over 50. It presents retirement as a "stepping out" rather than a "stepping down"; the solid realities…

  9. The Retirement Problem: A Positive Approach.

    ERIC Educational Resources Information Center

    AGB Reports, 1978

    1978-01-01

    A TIAA-CREF task force reports that there are steps an institution can take in dealing with the new mandatory retirement laws (not before age 70). They include preretirement counseling, provision of "Sweeteners," severance plans, a phased retirement program, and a continuing relationship with the college for retirees. (Author/LBH)

  10. How Senior Psychodynamic Psychiatrists Regard Retirement.

    PubMed

    Ingram, Douglas H; Stine, John

    2016-01-01

    The variety of personal experiences and attitudes about professional work among psychodynamic psychiatrists who have attained retirement age are explored through semi-structured interviews. Of 21 members of the American Academy of Psychoanalysis and Dynamic Psychiatry interviewed, 6 report fulltime engagement in professional activity, 10 partial reduction, and 5 full retirement from practice. Through direct quotations from the respondents' interviews several matters are considered including the concept of retirement, structural changes in practice, health concerns, dream experience, spirituality and matters of legacy, how others have influenced attitudes toward continued work, and how fears of retirement are manifest among those currently in practice. Among the conclusions is the suggestion that the sense of self-regard and personal satisfaction of those who do retire is far greater than anticipated by those still in active practice. PMID:27200463

  11. Retired Matches Among Male Professional Tennis Players

    PubMed Central

    Breznik, Kristijan

    2012-01-01

    The aim of this study was to explore the effect of characteristics of various games and players on the proportion of retired tennis matches in the Open Era of tennis. The data included over 420,000 matches played among 17,553 tennis players in the period from 1968 to the end of 2010. The influence of the surface type was clearly confirmed, with the proportion of retired matches being higher on hard and clay courts compared to grass and carpet surfaces. Similarly, more retired matches were observed in outdoor venues than in indoor ones. The impact of other variables, tournament types, rounds at which the game was played and both players' ranks, is more ambiguous. Our interpretation of the obtained results is presented in the paper. Network analytic methods were applied to extract players with the most retired matches in their careers. Eventually, we defined a group of top tennis players and gave a more precise insight into retired matches in that group. Correspondence analysis was used to visually display the two-mode network of top players and the proportion of retired matches by surface type. Key pointsThe proportion of retired matches among professional tennis players has been increasing recently.Clay and hard courts are the most risky surfaces in relation to retired matches, particularly if the match is played at an outdoor venue.The difference in rankings of both players is proportional to the number/proportion of retired matches in professional tennis.Network analytic techniques could serve as an effective method to ascertain (a) group(s) of tennis players with the highest number of retired matches played among them. PMID:24149200

  12. Mythbusters: The Case for Retirement Income in DC Plans.

    PubMed

    Austin, Ron; Shepherd, Steve

    2016-01-01

    Myths persist about retirement income solutions in defined contribution (DC) plans. The authors put six common myths to the test: (1) that few plans offer a retirement income option, (2) that retirement is solely a product decision, (3) that retirement income options lack fiduciary clarity, (4) that it's difficult to implement a retirement income option, (5) that retirement income options can be viewed similarly to an asset class and (6) that retirement solutions are too difficult to communicate to participants. They explain why some chatter on the topic of retirement income solutions in DC plans is unfounded. PMID:27017796

  13. International retirement migration in Europe.

    PubMed

    King, R; Warnes, A M; Williams, A M

    1998-06-01

    "This paper presents a review and prospectus of international retirement migration (IRM), dealing mainly with European evidence but also referring to some analogous trends in North America. The paper is in three main parts. It first makes the case for regarding IRM as a significant aspect of population geography and of migration studies; in certain areas of Mediterranean Europe, IRM also has effects on regional economic geography. The second section of the paper discusses some of the early findings from a comparative study of British elderly residents in Tuscany, Malta, the Costa del Sol and the Algarve.... The final part of the article offers further reflections on why IRM is important--for the individual migrants themselves, for the host communities, and for public policy." PMID:12348629

  14. Early retirement and mortality in Germany.

    PubMed

    Kühntopf, Stephan; Tivig, Thusnelda

    2012-02-01

    Differences in mortality by retirement age have an important impact on the financing of pension insurance, yet no clear-cut results for Germany exist so far. We calculate mortality rates by retirement age from microdata on all German old-age pensioners and 1.84 million deceases. The life expectancies and survival probabilities at age 65 are estimated for population subgroups according to creditable periods because of disease and pension income. Early-retired men who reach the age of 65 years live significantly longer the later early retirement occurs; the life expectancy at age 65 ranges from 13 to 17.8 years. For each retirement age, mortality of men is higher the more periods of disease are credited in the pension insurance system. For a given length of credited periods of disease, mortality of early retirees decreases with the retirement age. 'Healthy worker selection effects' operating in the labour market may contribute to these results. The 'work longer, live longer'-result is found for each pension income quintile, which resolves the J-curve pattern found in the literature. The mortality of female old-age pensioners varies little with retirement age. PMID:22350223

  15. An overview of the Railroad Retirement program.

    PubMed

    Whitman, Kevin

    2008-01-01

    In the 1930s, amidst concern about the ability of existing pension programs to provide former railroad workers with adequate assistance in old age, Congress established a national Railroad Retirement system. This system is primarily administered by the Railroad Retirement Board (RRB), which is an independent federal agency charged with providing benefits to eligible employees of the railroad industry and their families. Today, the Railroad Retirement program is closely tied to the far better-known Social Security program, and although the Railroad Retirement program and Social Security share a number of common elements, key differences also exist between the two in areas such as funding and benefit structure. This article aims to increase awareness and understanding of the Railroad Retirement program and its relationship with Social Security by examining the parallel development of these two retirement programs while illuminating areas where the two diverge. The history of the Railroad Retirement program, the benefits provided by the program, and RRB's financial operations are reviewed, using elements of the Social Security system as points of reference. PMID:19102137

  16. Are Your Employees Retirement-Ready?

    PubMed

    Vorchheiner, Alan H; Zaleta, Cynthia O

    2016-01-01

    Much of the discussion on the decumulation phase of retirement savings has focused on the lack of any lifetime annuities. But there is a whole range of options sponsors can employ to facilitate the generation of retirement income and bolster financial wellness. As U.S. employers show no sign of substantially increasing spending on compensation or benefits, it is imperative that human resources professionals help employees--particularly the retiring baby boomers--to maximize what they have saved. This article presents five first-step ideas toward achieving that goal. PMID:27017793

  17. A Three-Phase Model of Retirement Decision Making

    ERIC Educational Resources Information Center

    Feldman, Daniel C.; Beehr, Terry A.

    2011-01-01

    The present article organizes prominent theories about retirement decision making around three different types of thinking about retirement: imagining the possibility of retirement, assessing when it is time to let go of long-held jobs, and putting concrete plans for retirement into action at present. It also highlights important directions for…

  18. Work and Nonwork Predictors of Employees' Retirement Ages.

    ERIC Educational Resources Information Center

    Beehr, Terry A.; Glazer, Sharon; Nielson, Norma L.; Farmer, Suzanne J.

    2000-01-01

    Three analyses of data from 197 older employees and their spouses identified work and nonwork factors influencing age of retirement. Finances predicted retirement but health and gender did not. Being tired of working and expecting to work for pay after retirement predicted earlier retirement. (SK)

  19. Attitudes toward Retirement and Preretirement Education Among Nigerian Bank Workers

    ERIC Educational Resources Information Center

    Ogunbameru, Olakunle; Bamiwuye, Sina

    2004-01-01

    Retirement is viewed as a passage that can result in psychological, physiological, and economic problems among some retirees. Adequate preparation for retirement through preretirement education, as practiced in the Western-European societies, has been found to ease transition into retirement and adjustment in retirement. Preretirement education is…

  20. Attitudes toward Retirement and Preretirement Education among Nigerian Bank Workers

    ERIC Educational Resources Information Center

    Ogunbameru, Olakunle A.; Bamiwuye, Sina

    2004-01-01

    Retirement is viewed as a passage that can result in psychological, physiological, and economic problems among some retirees. Adequate preparation for retirement through preretirement education, as practiced in the Western-European societies, has been found to ease transition into retirement and adjustment in retirement. Preretirement education is…

  1. 5 CFR 838.911 - Identifying the retirement system.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... Former Spouse Survivor Annuities Identification of Benefits § 838.911 Identifying the retirement system... military retired pay, Foreign Service retirement benefits and Central Intelligence Agency retirement.... Such a court order satisfies the requirements of § 838.804(b)(1). (c) A court order affecting...

  2. 5 CFR 838.911 - Identifying the retirement system.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... Former Spouse Survivor Annuities Identification of Benefits § 838.911 Identifying the retirement system... military retired pay, Foreign Service retirement benefits and Central Intelligence Agency retirement.... Such a court order satisfies the requirements of § 838.804(b)(1). (c) A court order affecting...

  3. 5 CFR 838.911 - Identifying the retirement system.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... Former Spouse Survivor Annuities Identification of Benefits § 838.911 Identifying the retirement system... military retired pay, Foreign Service retirement benefits and Central Intelligence Agency retirement.... Such a court order satisfies the requirements of § 838.804(b)(1). (c) A court order affecting...

  4. 5 CFR 838.911 - Identifying the retirement system.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... Former Spouse Survivor Annuities Identification of Benefits § 838.911 Identifying the retirement system... military retired pay, Foreign Service retirement benefits and Central Intelligence Agency retirement.... Such a court order satisfies the requirements of § 838.804(b)(1). (c) A court order affecting...

  5. 5 CFR 831.1207 - Withdrawal of disability retirement applications.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 5 Administrative Personnel 2 2012-01-01 2012-01-01 false Withdrawal of disability retirement...) CIVIL SERVICE REGULATIONS (CONTINUED) RETIREMENT Disability Retirement § 831.1207 Withdrawal of disability retirement applications. (a) OPM will honor, without question, an applicant's request to...

  6. 5 CFR 831.1204 - Filing disability retirement applications: General.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 5 Administrative Personnel 2 2011-01-01 2011-01-01 false Filing disability retirement applications...) CIVIL SERVICE REGULATIONS (CONTINUED) RETIREMENT Disability Retirement § 831.1204 Filing disability... application for disability retirement is timely only if it is filed with the employing agency before...

  7. 5 CFR 831.1204 - Filing disability retirement applications: General.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 5 Administrative Personnel 2 2013-01-01 2013-01-01 false Filing disability retirement applications...) CIVIL SERVICE REGULATIONS (CONTINUED) RETIREMENT Disability Retirement § 831.1204 Filing disability... application for disability retirement is timely only if it is filed with the employing agency before...

  8. 5 CFR 831.1207 - Withdrawal of disability retirement applications.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 5 Administrative Personnel 2 2013-01-01 2013-01-01 false Withdrawal of disability retirement...) CIVIL SERVICE REGULATIONS (CONTINUED) RETIREMENT Disability Retirement § 831.1207 Withdrawal of disability retirement applications. (a) OPM will honor, without question, an applicant's request to...

  9. 5 CFR 831.1207 - Withdrawal of disability retirement applications.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 5 Administrative Personnel 2 2014-01-01 2014-01-01 false Withdrawal of disability retirement...) CIVIL SERVICE REGULATIONS (CONTINUED) RETIREMENT Disability Retirement § 831.1207 Withdrawal of disability retirement applications. (a) OPM will honor, without question, an applicant's request to...

  10. 5 CFR 831.1204 - Filing disability retirement applications: General.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 5 Administrative Personnel 2 2012-01-01 2012-01-01 false Filing disability retirement applications...) CIVIL SERVICE REGULATIONS (CONTINUED) RETIREMENT Disability Retirement § 831.1204 Filing disability... application for disability retirement is timely only if it is filed with the employing agency before...

  11. 5 CFR 831.1204 - Filing disability retirement applications: General.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 5 Administrative Personnel 2 2014-01-01 2014-01-01 false Filing disability retirement applications...) CIVIL SERVICE REGULATIONS (CONTINUED) RETIREMENT Disability Retirement § 831.1204 Filing disability... application for disability retirement is timely only if it is filed with the employing agency before...

  12. 5 CFR 831.1207 - Withdrawal of disability retirement applications.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 5 Administrative Personnel 2 2011-01-01 2011-01-01 false Withdrawal of disability retirement...) CIVIL SERVICE REGULATIONS (CONTINUED) RETIREMENT Disability Retirement § 831.1207 Withdrawal of disability retirement applications. (a) OPM will honor, without question, an applicant's request to...

  13. Psychological Perspectives on the Changing Nature of Retirement

    ERIC Educational Resources Information Center

    Shultz, Kenneth S.; Wang, Mo

    2011-01-01

    The concept and the process of retirement are rapidly evolving. As a result, psychologists are in a unique position to understand and explain the dynamics behind the changing face of retirement. We begin this article with a brief overview of the history of retirement and then note the various definitions used when studying retirement. We then…

  14. 20 CFR 221.2 - Railroad Retirement Board jurisdiction.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 20 Employees' Benefits 1 2011-04-01 2011-04-01 false Railroad Retirement Board jurisdiction. 221.2 Section 221.2 Employees' Benefits RAILROAD RETIREMENT BOARD REGULATIONS UNDER THE RAILROAD RETIREMENT ACT JURISDICTION DETERMINATIONS § 221.2 Railroad Retirement Board jurisdiction. (a) Life cases. The Board...

  15. 20 CFR 221.2 - Railroad Retirement Board jurisdiction.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 20 Employees' Benefits 1 2013-04-01 2012-04-01 true Railroad Retirement Board jurisdiction. 221.2 Section 221.2 Employees' Benefits RAILROAD RETIREMENT BOARD REGULATIONS UNDER THE RAILROAD RETIREMENT ACT JURISDICTION DETERMINATIONS § 221.2 Railroad Retirement Board jurisdiction. (a) Life cases. The Board...

  16. 20 CFR 221.2 - Railroad Retirement Board jurisdiction.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 20 Employees' Benefits 1 2014-04-01 2012-04-01 true Railroad Retirement Board jurisdiction. 221.2 Section 221.2 Employees' Benefits RAILROAD RETIREMENT BOARD REGULATIONS UNDER THE RAILROAD RETIREMENT ACT JURISDICTION DETERMINATIONS § 221.2 Railroad Retirement Board jurisdiction. (a) Life cases. The Board...

  17. 20 CFR 221.2 - Railroad Retirement Board jurisdiction.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 20 Employees' Benefits 1 2012-04-01 2012-04-01 false Railroad Retirement Board jurisdiction. 221.2 Section 221.2 Employees' Benefits RAILROAD RETIREMENT BOARD REGULATIONS UNDER THE RAILROAD RETIREMENT ACT JURISDICTION DETERMINATIONS § 221.2 Railroad Retirement Board jurisdiction. (a) Life cases. The Board...

  18. 20 CFR 221.2 - Railroad Retirement Board jurisdiction.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 20 Employees' Benefits 1 2010-04-01 2010-04-01 false Railroad Retirement Board jurisdiction. 221.2 Section 221.2 Employees' Benefits RAILROAD RETIREMENT BOARD REGULATIONS UNDER THE RAILROAD RETIREMENT ACT JURISDICTION DETERMINATIONS § 221.2 Railroad Retirement Board jurisdiction. (a) Life cases. The Board...

  19. 5 CFR 831.1204 - Filing disability retirement applications: General.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Filing disability retirement applications...) CIVIL SERVICE REGULATIONS (CONTINUED) RETIREMENT Disability Retirement § 831.1204 Filing disability... application for disability retirement is timely only if it is filed with the employing agency before...

  20. 5 CFR 831.1207 - Withdrawal of disability retirement applications.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Withdrawal of disability retirement...) CIVIL SERVICE REGULATIONS (CONTINUED) RETIREMENT Disability Retirement § 831.1207 Withdrawal of disability retirement applications. (a) OPM will honor, without question, an applicant's request to...

  1. CHALLENGES POSED BY RETIRED RUSSIAN NUCLEAR SUBMARINES

    SciTech Connect

    Rudolph, Dieter; Kroken, Ingjerd; Latyshev, Eduard; Griffith, Andrew

    2003-02-27

    The purpose of this paper is to provide an overview of the challenges posed by retired Russian nuclear submarines, review current U.S. and International efforts and provide an assessment of the success of these efforts.

  2. Senior academic physicians and retirement considerations.

    PubMed

    Moss, Arthur J; Greenberg, Henry; Dwyer, Edward M; Klein, Helmut; Ryan, Daniel; Francis, Charles; Marcus, Frank; Eberly, Shirley; Benhorin, Jesaia; Bodenheimer, Monty; Brown, Mary; Case, Robert; Gillespie, John; Goldstein, Robert; Haigney, Mark; Krone, Ronald; Lichstein, Edgar; Locati, Emanuela; Oakes, David; Thomsen, Poul Erik Bloch; Zareba, Wojciech

    2013-01-01

    An increasing number of academic senior physicians are approaching their potential retirement in good health with accumulated clinical and research experience that can be a valuable asset to an academic institution. Considering the need to let the next generation ascend to leadership roles, when and how should a medical career be brought to a close? We explore the roles for academic medical faculty as they move into their senior years and approach various retirement options. The individual and institutional considerations require a frank dialogue among the interested parties to optimize the benefits while minimizing the risks for both. In the United States there is no fixed age for retirement as there is in Europe, but European physicians are initiating changes. What is certain is that careful planning, innovative thinking, and the incorporation of new patterns of medical practice are all part of this complex transition and timing of senior academic physicians into retirement. PMID:23621971

  3. Advice from working women with retired partners.

    PubMed

    Cooley, Eileen L; Adorno, Gail

    2016-01-01

    in the 21st century, as more women are employed full-time and couples increasingly share egalitarian values, more women continue employment after their partners have voluntarily retired. However, we know very little about the experiences of this growing population of women. We asked working women with retired partners to share their advice for other women who may face this developmental transition. Open-ended responses from 97 women were analyzed to identify pertinent issues and themes. Four primary content areas were identified: time management, division of household labor, financial planning, and communication. Communication between partners was both a topic of concern as well as the solution suggested to resolve conflicts or differences that may arise when women live with a retired partner. It is expected that future changes in the workforce and improvements in the gender balance within relationships will continue to impact experiences for working women with retired partners. PMID:26933760

  4. An Argument for Early Retirement Incentive Planning.

    ERIC Educational Resources Information Center

    Baenen, Leonard B.; Ernest, Robert C.

    1982-01-01

    Early retirement incentive programs are discussed as a humanitarian way of reducing payroll costs and rewarding long-tenured employees. The incentives to be considered, program communication, and problems found in incentive programs are addressed. (Author/MLF)

  5. Retirement Can Be Golden for Your Health

    MedlinePlus

    ... machine: "I am out enjoying my retirement." Rachel Johnson is a professor of nutrition at the University ... to spend time being more physically active," said Johnson, who is also chair of the American Heart ...

  6. Preparation à la retraite - Preparing for retirement

    ScienceCinema

    None

    2011-10-06

    Retirement implies an important change from a working environment to a new lifestyle. Every individual copes with this transition in his own way. In this video, registered already a few years ago, Dr. Sartorius from WHO addresses some of his colleagues close to retirement and explains what situations they can expect to encounter. We make this video available to CERN personnel to stimulate their own thinking on the subject.

  7. Enseignement des langues et theories d'acquisition Sprachunterricht unde Spracherwerbstheorien. (Language Teaching and Acquisition Theories).

    ERIC Educational Resources Information Center

    Schwarz, Alexander, Ed.

    1996-01-01

    This collection of articles on language teaching and language acquisition theories includes: "Enseignement des langues et theories de l'acquisition. Introduction au colloque" ("Language Teaching and Theories of Acquisition. Introduction to the Colloquium") (Rene Richterich); "Apprendre une langue dans l'interaction verbale" ("Language Learning in…

  8. Retirement plans, personal saving, and saving adequacy.

    PubMed

    Yakoboski, P

    2000-03-01

    This Issue Brief addresses three questions raised by recent trends in personal saving: How are national savings measured and what is the meaning of the trends in measured personal saving rates, given what is included and what is not included in those measures? What is the effect of retirement saving programs--in particular, 401(k) plans and individual retirement accounts (IRAs)--on personal saving levels? What are the implications of existing saving behavior for the retirement income security of today's workers? The National Income and Product Accounts (NIPA), the most commonly referenced gauge of personal saving, is a widely misunderstood measure. One could argue that a complete measure of saving would include increases in wealth through capital gains, but NIPA does not factor accrued and realized capital gains on stocks and other assets into the saving rate. By one measure, accounting for capital gains results in an aggregate personal saving rate of 33 percent--more than double the rate of four decades ago. A major policy question is the impact of tax-qualified retirement saving plans (i.e., IRAs and 401(k) plans) on personal saving rates. Empirical analysis of this issue is extremely challenging and findings have been contradictory. These programs now represent an enormous store of retirement-earmarked wealth in tax-deferred vehicles: Combined, such tax-deferred retirement accounts currently have assets of about $4 trillion. Ninety percent of IRA contributions are now the result of "rollovers" as employees leave employer plans, like 401(k) plans. While leakage from the system remains a challenge, the majority of the assets in the system can be expected to be available to fund workers' retirements. One could argue that, from a retirement income security perspective, workers in general are better off because IRA and 401(k) programs exist. Surely, many of the dollars in these programs would have been saved even without the programs; but they would not necessarily

  9. The King Pre-Retirement Checklist: Assessing Differences in Pre-Retirement Planning.

    ERIC Educational Resources Information Center

    Zitzow, Darryl; King, Donald N.

    In an effort to assess the retirement preparedness of Midwestern populations above the age of 28, the King Pre-Retirement Checklist was administered to a sampling of 458 persons randomly selected and proportionally stratified by geographic location and community size. Factors examined were financial, social, family cohesion, mobility/health,…

  10. Pre-Retirement Rehearsal Project: A Bibliography of Pre-Retirement Planning.

    ERIC Educational Resources Information Center

    Ellenberg, Donna

    This bibliography cites title, source/publisher, availability, and cost for information and materials on various aspects of pre-retirement planning. Materials may be specifically for the elderly/retired person or of general interest. Bibliographies and periodicals are included. These materials and information are listed under twenty-three…

  11. Is pre-retirement planning always good? An exploratory study of retirement adjustment among Hong Kong Chinese retirees.

    PubMed

    Yeung, Dannii Y

    2013-01-01

    The impacts of four types of pre-retirement planning activities (financial, health, social life, and psychological planning) on retirement adjustment were investigated in a sample of Chinese retirees residing in Hong Kong. This study consisted of two phases of data collection, pre-retirement and post-retirement phases. Pre-retirement planning behaviors and psychological health (including attitudes toward retirement, adjustment to retirement, anxiety toward retirement, psychological well-being (PWB), and psychological distress) six months before and after retirement were measured. The final sample consisted of 90 Hong Kong Chinese retirees. Compared with the pre-retirement phase, retirees exhibited more positive attitudes toward retirement and better adjustment after they had actually retired, whereas their level of anxiety and psychological distress remained low over time. Pre-retirement planning was found to be predictive of changes in psychological health, though its impact was not always positive depending on the type of planning activities. In particular, greater psychological planning was associated with positive attitudes toward retirement and better PWB, whereas more social life planning activities were associated with greater psychological distress. In addition to financial and health planning, psychological planning activities should also be prompted to facilitate a smooth adjustment to retirement. PMID:23072256

  12. Tax reform options: promoting retirement security.

    PubMed

    VanDerhei, Jack

    2011-11-01

    TAX PROPOSALS: Currently, the combination of worker and employer contributions in a defined contribution plan is capped by the federal tax code at the lesser of $49,000 per year or 100 percent of a worker's compensation (participants over age 50 can make additional "catch-up" contributions). As part of the effort to lower the federal deficit and reduce federal "tax expenditures," two major reform proposals have surfaced that would change current tax policy toward retirement savings: A plan that would end the existing tax deductions for 401(k) contributions and replace them with a flat-rate refundable credit that serves as a matching contribution into a retirement savings account. The so-called "20/20 cap," included by the National Commission on Fiscal Responsibility and Reform in their December 2010 report, "The Moment of Truth," which would limit the sum of employer and worker annual contributions to the lower of $20,000 or 20 percent of income, the so-called "20/20 cap." IMPACT OF PERMANENTLY MODIFYING THE EXCLUSION OF EMPLOYEE CONTRIBUTIONS FOR RETIREMENT SAVINGS PLANS FROM TAXABLE INCOME: If the current exclusion of worker contributions for retirement savings plans were ended in 2012 and the total match remains constant, the average reductions in 401(k) accounts at Social Security normal retirement age would range from a low of 11.2 percent for workers currently ages 26-35 in the highest-income groups, to a high of 24.2 percent for workers in that age range in the lowest-income group. IMPACT OF "20/20 CAP": Earlier EBRI analysis of enacting the 20/20 cap starting in 2012 showed it would, as expected, most affect those with high income. However, EBRI also found the cap would cause a significant reduction in retirement savings by the lowest-income workers as well, and younger cohorts would experience larger reductions given their increased exposure to the proposal. IMPORTANCE OF EMPLOYER-SPONSORED RETIREMENT PLANS AND AUTO-ENROLLMENT: A key factor in future

  13. The 2012 Retirement Confidence Survey: job insecurity, debt weigh on retirement confidence, savings.

    PubMed

    Helman, Ruth; Copeland, Craig; VanDerhei, Jack

    2012-03-01

    Americans' confidence in their ability to retire comfortably is stagnant at historically low levels. Just 14 percent are very confident they will have enough money to live comfortably in retirement (statistically equivalent to the low of 13 percent measured in 2011 and 2009). Employment insecurity looms large: Forty-two percent identify job uncertainty as the most pressing financial issue facing most Americans today. Worker confidence about having enough money to pay for medical expenses and long-term care expenses in retirement remains well below their confidence levels for paying basic expenses. Many workers report they have virtually no savings and investments. In total, 60 percent of workers report that the total value of their household's savings and investments, excluding the value of their primary home and any defined benefit plans, is less than $25,000. Twenty-five percent of workers in the 2012 Retirement Confidence Survey say the age at which they expect to retire has changed in the past year. In 1991, 11 percent of workers said they expected to retire after age 65, and by 2012 that has grown to 37 percent. Regardless of those retirement age expectations, and consistent with prior RCS findings, half of current retirees surveyed say they left the work force unexpectedly due to health problems, disability, or changes at their employer, such as downsizing or closure. Those already in retirement tend to express higher levels of confidence than current workers about several key financial aspects of retirement. Retirees report they are significantly more reliant on Social Security as a major source of their retirement income than current workers expect to be. Although 56 percent of workers expect to receive benefits from a defined benefit plan in retirement, only 33 percent report that they and/or their spouse currently have such a benefit with a current or previous employer. More than half of workers (56 percent) report they and/or their spouse have not tried

  14. Retirement plan funding: how has legislation affected it?

    PubMed

    Smith, D

    1988-10-01

    Because of the changes in tax laws, accounting guidelines, and economic conditions, the "shelf life" of many retirement plans has expired. Financial managers need to examine the effects these changes have had on retirement plan funding, especially the effects the Omnibus Budget Reconciliation Act of 1987 has produced. By using an evaluation method that examines the basic issues involved in retirement plan funding, financial managers can determine whether or not their retirement programs can continue to meet hospital objectives. This is the last article in a series on retirement plans. The first article in this series discussed the issues that affect the design of retirement plans. PMID:10302737

  15. Early Retirement Incentives and Student Achievement

    PubMed Central

    Fitzpatrick, Maria D.

    2014-01-01

    Early retirement incentives (ERIs) are increasingly prevalent in education as districts seek to close budget gaps by replacing expensive experienced teachers with lower-cost newer teachers. Combined with the aging of the teacher workforce, these ERIs are likely to change the composition of teachers dramatically in the coming years. We use exogenous variation from an ERI program in Illinois in the mid-1990s to provide the first evidence in the literature of the effects of large-scale teacher retirements on student achievement. We find the program did not reduce test scores; likely, it increased them, with positive effects most pronounced in lower-SES schools. PMID:25436038

  16. Career and Retirement Theories: Relevance for Older Workers Across Cultures

    PubMed Central

    Lytle, Megan C.; Foley, Pamela F.; Cotter, Elizabeth W.

    2015-01-01

    This paper reviews selected career development theories as well as theories specifically focused on retirement, with an emphasis on their application to retirement decisions and vocational behavior in multicultural populations. Theories are evaluated based on whether: (a) retirement was considered a stage of working life, (b) work satisfaction, motivation, and other work variables at retirement age were addressed, (c) work choices at retirement age were included, and (d) cultural and other minority status issues were either directly considered in the work/retirement decision or if the model could be reasonably applied to retirement across cultures. We provide specific recommendations for research and practice with the aim of helping practitioners and scholars conceptualize the current concerns older adults face in their working lives and during retirement planning. PMID:26101455

  17. Choosing a Retirement Community: Ask These 10 Physical Activity Questions

    MedlinePlus

    ... NIH www.nia.nih.gov/Go4Life Choosing a Retirement Community Ask These 10 Physical Activity Questions As you visit potential retirement communities, consider their physical activity offerings. If you’ ...

  18. Mandatory Retirement at 70: Separating Substance from Politics.

    ERIC Educational Resources Information Center

    Pati, Gopal C.; Jacobs, Randall C.

    1979-01-01

    Examines the conflict over mandatory retirement and the implications the Mandatory Retirement Act will have for personnel directors who will need to formulate new decision rules for the treatment and handling of older workers. (IRT)

  19. Images of Retirement: Finding the Purpose and the Passion.

    ERIC Educational Resources Information Center

    Savishinsky, Joel

    2001-01-01

    Compares cultural stereotypes and images of retirement with the life choices of actual adults. Finds that centrality of purpose and a sense of passion are basic to these adults' image of life in retirement. (SK)

  20. Does Retiree Health Insurance Encourage Early Retirement?*

    PubMed Central

    Nyce, Steven; Schieber, Sylvester J.; Shoven, John B.; Slavov, Sita Nataraj; Wise, David A.

    2013-01-01

    The strong link between health insurance and employment in the United States may cause workers to delay retirement until they become eligible for Medicare at age 65. However, some employers extend health insurance benefits to their retirees, and individuals who are eligible for such retiree health benefits need not wait until age 65 to retire with group health coverage. We investigate the impact of retiree health insurance on early retirement using employee-level data from 54 diverse firms that are clients of Towers Watson, a leading benefits consulting firm. We find that retiree health coverage has its strongest effects at ages 62 through 64. Coverage that includes an employer contribution is associated with a 6.3 percentage point (36.2 percent) increase in the probability of turnover at age 62, a 7.7 percentage point (48.8 percent) increase in the probability of turnover at age 63, and a 5.5 percentage point (38.0 percent) increase in the probability of turnover at age 64. Conditional on working at age 57, such coverage reduces the expected retirement age by almost three months and reduces the total number of person-years worked between ages 58 and 64 by 5.6 percent. PMID:24039312

  1. Does Retiree Health Insurance Encourage Early Retirement?

    PubMed

    Nyce, Steven; Schieber, Sylvester J; Shoven, John B; Slavov, Sita Nataraj; Wise, David A

    2013-08-01

    The strong link between health insurance and employment in the United States may cause workers to delay retirement until they become eligible for Medicare at age 65. However, some employers extend health insurance benefits to their retirees, and individuals who are eligible for such retiree health benefits need not wait until age 65 to retire with group health coverage. We investigate the impact of retiree health insurance on early retirement using employee-level data from 54 diverse firms that are clients of Towers Watson, a leading benefits consulting firm. We find that retiree health coverage has its strongest effects at ages 62 through 64. Coverage that includes an employer contribution is associated with a 6.3 percentage point (36.2 percent) increase in the probability of turnover at age 62, a 7.7 percentage point (48.8 percent) increase in the probability of turnover at age 63, and a 5.5 percentage point (38.0 percent) increase in the probability of turnover at age 64. Conditional on working at age 57, such coverage reduces the expected retirement age by almost three months and reduces the total number of person-years worked between ages 58 and 64 by 5.6 percent. PMID:24039312

  2. Job Modification as an Alternative to Retirement.

    ERIC Educational Resources Information Center

    Shkop, Yitzchak M.; Shkop, Esther M.

    1982-01-01

    In a recent survey, most managers and blue-collar workers indicated that the availability of job modifications would alter their retirement plans. Such an alternative can alleviate some job-related problems of older workers and permit an organization to capitalize fully upon these employees' skills. (SK)

  3. Transition to Old Age (Transition to Retirement).

    ERIC Educational Resources Information Center

    Bergman, Simon

    Several conceptualizations and definitions of retirement have been proposed. One of them--the three-stage transition process--can be illustrated from studies in Israel: (1) leaving the old role; (2) going through the act of formal separation; and (3) adjusting to the new situation and role. Today's higher rate of survival into later years means…

  4. Diversification: Midland/Odessa Health & Retirement Endeavor.

    ERIC Educational Resources Information Center

    Skipper, P. K.

    In reaction to the economic risks associated with an over reliance on oil and gas exports, residents of the Midland/Odessa area of Texas began seeking diversification options for the local economy and, in 1986, formed the Midland/Odessa Health and Retirement Endeavor (MOHRE). This non-profit corporation was formed to examine the feasibility of…

  5. California Teacher Retirement: Perception, Satisfaction, and Change

    ERIC Educational Resources Information Center

    Smith, Justin L.

    2012-01-01

    Concerns over fiscal and personal appropriateness for public retirement pensions have become prevalent within conversations throughout the United States. However, with some important exceptions (e.g., DeArmond and Goldhaber, 2010) limited research has focused upon perceptions of teachers who receive these pension plans. As such, the purpose of…

  6. Retirement and the Evolution of Pension Structure

    ERIC Educational Resources Information Center

    Friedberg, Leora; Webb, Anthony

    2005-01-01

    A comparative analysis of defined benefit pension plans that were more common before 1980s and the defined contribution plans is presented. It is observed that defined benefit pension plans offered age related incentives thereby encouraging people to retire earlier. In contrast, defined contribution plans encourage people to continue with jobs…

  7. Life Planning: Preparing for Transitions and Retirement.

    ERIC Educational Resources Information Center

    Nuss, Elizabeth; Schroeder, Charles

    2002-01-01

    Long-range career planning is difficult in the student affairs profession because of the lack of clearly defined career tracks and inherent job insecurities. The authors present and discuss strategies for planning for retirement and other late career options. (Author)

  8. Retired Chemists Teach Grade School Science.

    ERIC Educational Resources Information Center

    Chemical and Engineering News, 1986

    1986-01-01

    Retired chemists in Delaware have become involved in volunteer program to teach science to elementary and secondary students. A description of the program is provided. Also provided are descriptions of five lessons developed for the program. One of the lessons deals with birthday candles. (JN)

  9. The Anguish of a Retired Librarian

    ERIC Educational Resources Information Center

    Brown, Donna W.

    2008-01-01

    In this article, the author relates her difficult adjustment to regular routine when she retired as a middle school librarian for over three decades. She recalls one incident in which she patrolled a beach after seeing women slathering on suntan oil and turning the pages of library books, leaving fingerprints on each page. She also tells of…

  10. [Adapting physical activities for an active retirement].

    PubMed

    Renaudie, François

    2016-01-01

    The benefits of doing adapted physical exercise for elderly people have been proven. For more than thirty years, the French Federation for an Active Retirement has been striving to help people age well by proposing multiple activities to remain in good health after the age of 50. Doctors, activity leaders and federal instructors are attentive to each individual's capacities. PMID:27449307

  11. Occupational influences on retirement, disability, and death.

    PubMed

    Hayward, M D; Grady, W R; Hardy, M A; Sommers, D

    1989-08-01

    This research examines the alternative mechanisms by which occupations influence the nature and timing of older men's labor force withdrawal. We specifically assess the extent to which occupational factors operate directly and indirectly on exiting events and whether occupations constrain traditional determinants of labor force participation. Based on a discrete-time hazard modeling approach, the results substantiate that the occupational task activities--substantive complexity and physical demands--are key elements of the work environment that are evaluated against nonwork alternatives. In the case of retirement, these aspects of occupational attractiveness function as a dominant and direct force in retirement decision making. With regard to disability, the occupational attribute of substantive complexity operates as an indirect advantage (through higher wages) by reducing the risk of disability. Indicators of career continuity also influence retirement among older workers. Finally, the results suggest that financial characteristics and health problems are central to the distribution of older workers across the alternative destination statuses of retirement, disability, and death. PMID:2529146

  12. Retirement Age Declines Again in 1990s.

    ERIC Educational Resources Information Center

    Gendell, Murray

    2001-01-01

    The average retirement age continued to decline in the 1990s after having leveled off during the preceding 10-15 years. The resumption of the decline is attributed largely to a rise in the labor force participation rate of older men and women between the mid-1980s and 2000. (Author/JOW)

  13. Wisdom in a Learning in Retirement Institute

    ERIC Educational Resources Information Center

    Farquhar, Lynn

    2010-01-01

    Seven men and women with an average age of 77 were interviewed regarding the role of wisdom in their experience of attending a Learning in Retirement Institute (LRI) in southern Ontario, Canada. A finding is that for wisdom gains to be an outcome of LRI education, older adult students need outward expression of their acquired learnings. A…

  14. A Research Study of Retirement Preparation Programs.

    ERIC Educational Resources Information Center

    Scott, Frances G.; And Others

    A five-year study was undertaken to investigate the relative effectiveness of pre-retirement education (PRE) programs. Project staff identified for study three methodologies (the lecture series, the discussion group, and the "facilitated interaction" model) and four contexts for sponsor-settings (the employer, the education, the community agency,…

  15. 76 FR 4244 - Hybrid Retirement Plans

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-01-25

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF THE TREASURY Internal Revenue Service 26 CFR Part 1 RIN 1545-BG36 Hybrid Retirement Plans Correction In rule document 2010-25941 beginning on page 64123 in the issue of Tuesday, October 19, 2010, make the...

  16. 75 FR 81456 - Hybrid Retirement Plans; Correction

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-12-28

    ... were published in the Federal Register on Tuesday, October 19, 2010 (75 FR 64123) providing guidance relating to certain provisions of the Internal Revenue Code that apply to hybrid defined benefit pension... Internal Revenue Service 26 CFR Part 1 RIN 1545-BG36 Hybrid Retirement Plans; Correction AGENCY:...

  17. 77 FR 66149 - Retirement of FASTforward Technology

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-11-02

    ... proposed rule in the Federal Register (77 FR 53830) to retire FASTforward technology. We received no formal... FASTforward Technology AGENCY: Postal Service TM . ACTION: Final rule. SUMMARY: The Postal Service will revise... terminate the use of FASTforward TM technology as a Move Update option for commercial First-Class...

  18. The Cornell Staff Retirement Incentive Program

    ERIC Educational Resources Information Center

    Whelan, Kenneth T.; Ehrenberg, Ronald G.; Hallock, Kevin F.; Seeber, Ronald L.

    2011-01-01

    We evaluate potential determinants of enrollment in an early retirement incentive program for non-tenure-track employees at a large university. Using administrative records on the eligible, population of employees not covered by collective bargaining agreements, historical employee count and layoff data by budget units, and public information on…

  19. A Single Person's Guide to Retirement Planning.

    ERIC Educational Resources Information Center

    American Association of Retired Persons, Washington, DC.

    This single person's retirement guide begins with an introduction that addresses the challenges of single living, the high dividends that planning pays, and the importance of attitude. Section II explores the changing roles and relationships in one's life, including aging parents, adult children, and a personal support network. Section III focuses…

  20. Teacher Retirement Systems: Research Findings. Research Brief

    ERIC Educational Resources Information Center

    Hansen, Janet S.; Podgursky, Michael J.; Costrell, Robert M.

    2009-01-01

    This policy brief summarizes findings presented at a February 2009 research conference on teacher retirement systems hosted by the National Center on Performance Incentives (NCPI) at Vanderbilt University's Peabody College. The 2009 conference was the second in a series of NCPI events focusing on findings from recent research on issues related to…

  1. Post Retirement: Is There Life after Work?

    ERIC Educational Resources Information Center

    Webb-Lupo, Anita

    1992-01-01

    Issues concerning college faculty/staff retirement and coping with changes in lifestyle are discussed, including financial planning, psychological adjustment, relocating vs. maintaining current housing, planning for travel, health care, health and life insurance needs, maintenance of an acceptable standard of living, protecting resources against…

  2. New Wrinkles on Retirement: Program Notes.

    ERIC Educational Resources Information Center

    Wray, Robert P.; Thorson, James A.

    The program notes were prepared to accompany the television series "New Wrinkles on Retirement." The eight units in the series are: facing inflation, which covers the decreasing value of the dollar, transportation costs, medical expenses, cutting expenses, family budgeting, investments, and places to live; vigor regained, which covers exercise and…

  3. Employment, Retirement, and Morale Among Older Women

    ERIC Educational Resources Information Center

    Jaslow, Philip

    1976-01-01

    This study constitutes an effort to apply to females the role-theoretical orientation to work and retirement in old age which has often been applied to men. Cross-sectional data are used to test the hypothesis that older working women have better morale than those not working. Results are discussed. (Author)

  4. Caregivers' Retirement Congruency: A Case for Caregiver Support

    ERIC Educational Resources Information Center

    Humble, Aine M.; Keefe, Janice M.; Auton, Greg M.

    2012-01-01

    Using the concept of "retirement congruency" (RC), which takes into account greater variation in retirement decisions (low, moderate, or high RC) than a dichotomous conceptualization (forced versus chosen), multinomial logistic regression was conducted on a sample of caregivers from the 2002 Canadian General Social Survey who were retired from…

  5. 32 CFR 199.25 - TRICARE Retired Reserve.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    .... TRICARE Retired Reserve is geographically applicable to the same extent as specified in 32 CFR 199.1(b)(1... ASD (HA), provisions of 32 CFR part 199 apply to TRICARE Retired Reserve. (B) Certain special programs established in 32 CFR part 199 are not available to members covered under TRICARE Retired Reserve....

  6. 32 CFR 199.25 - TRICARE Retired Reserve.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    .... TRICARE Retired Reserve is geographically applicable to the same extent as specified in 32 CFR 199.1(b)(1... ASD (HA), provisions of 32 CFR part 199 apply to TRICARE Retired Reserve. (B) Certain special programs established in 32 CFR part 199 are not available to members covered under TRICARE Retired Reserve....

  7. 32 CFR 199.25 - TRICARE Retired Reserve.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    .... TRICARE Retired Reserve is geographically applicable to the same extent as specified in 32 CFR 199.1(b)(1... ASD (HA), provisions of 32 CFR part 199 apply to TRICARE Retired Reserve. (B) Certain special programs established in 32 CFR part 199 are not available to members covered under TRICARE Retired Reserve....

  8. 18 CFR 346.3 - Asset retirement obligations.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 18 Conservation of Power and Water Resources 1 2010-04-01 2010-04-01 false Asset retirement obligations. 346.3 Section 346.3 Conservation of Power and Water Resources FEDERAL ENERGY REGULATORY... seeking recovery of the asset retirement costs in rates, must remove all asset retirement...

  9. 18 CFR 154.315 - Asset retirement obligations.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 18 Conservation of Power and Water Resources 1 2010-04-01 2010-04-01 false Asset retirement obligations. 154.315 Section 154.315 Conservation of Power and Water Resources FEDERAL ENERGY REGULATORY... seeking recovery of the asset retirement costs in rates, must remove all asset retirement...

  10. 40 CFR 60.4105 - Retired unit exemption.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... Electric Steam Generating Units Hg Budget Trading Program General Provisions § 60.4105 Retired unit exemption. (a)(1) Any Hg Budget unit that is permanently retired shall be exempt from the Hg Budget Trading... section shall become effective the day on which the Hg Budget unit is permanently retired. Within 30...

  11. 22 CFR 19.10-3 - Marriage after retirement.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Marriage after retirement. 19.10-3 Section 19... PARTICIPANTS IN THE FOREIGN SERVICE RETIREMENT AND DISABILITY SYSTEM § 19.10-3 Marriage after retirement. If an... marriage irrevocably elect to receive a reduced annuity and to provide, subject to any obligation...

  12. 22 CFR 19.10-3 - Marriage after retirement.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 22 Foreign Relations 1 2011-04-01 2011-04-01 false Marriage after retirement. 19.10-3 Section 19... PARTICIPANTS IN THE FOREIGN SERVICE RETIREMENT AND DISABILITY SYSTEM § 19.10-3 Marriage after retirement. If an... marriage irrevocably elect to receive a reduced annuity and to provide, subject to any obligation...

  13. Retirement Resources Inventory: Construction, Factor Structure and Psychometric Properties

    ERIC Educational Resources Information Center

    Leung, Cindy S. Y.; Earl, Joanne K.

    2012-01-01

    The scientific investigation of the relationship between resources and retirement well-being is impeded by the lack of proper measurement of resources. This study reports on the development of an inventory that assesses resources relevant to retirement well-being. The 35-item Retirement Resources Inventory (RRI) is a self-report measure consisting…

  14. Survey of Changes in Faculty Retirement Policies 2007

    ERIC Educational Resources Information Center

    Conley, Valerie Martin

    2007-01-01

    The Committee on Retirement of the American Association of University Professors initiated its first retirement policies survey in 2000 to address a lack of reliable and systematically collected information on retirement policies and practices across U.S. institutions of higher education. At the end of the 1990s, there was a sense that…

  15. Beyond Health and Wealth: Predictors of Women's Retirement Satisfaction

    ERIC Educational Resources Information Center

    Price, Christine A.; Balaswamy, Shantha

    2009-01-01

    Despite empirical support for the positive effects of health and wealth on retirement satisfaction, alternative variables also play a key role in helping to shape women's assessment of retirement. In the present study, we explore personal and psychosocial predictors of women's retirement satisfaction while controlling for financial security and…

  16. 18 CFR 367.22 - Accounting for asset retirement obligations.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 18 Conservation of Power and Water Resources 1 2010-04-01 2010-04-01 false Accounting for asset... GAS ACT General Instructions § 367.22 Accounting for asset retirement obligations. (a) An asset retirement obligation represents a liability for the legal obligation associated with the retirement of...

  17. Back to Work: Expectations and Realizations of Work after Retirement

    ERIC Educational Resources Information Center

    Maestas, Nicole

    2010-01-01

    This paper analyzes a puzzling aspect of retirement behavior known as "unretirement." Nearly 50 percent of retirees follow a nontraditional retirement path that involves partial retirement or unretirement, and at least 26 percent of retirees later unretire. I explore two possible explanations: (1) unretirement transitions result from failures in…

  18. 20 CFR 404.409 - What is full retirement age?

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 20 Employees' Benefits 2 2010-04-01 2010-04-01 false What is full retirement age? 404.409 Section... INSURANCE (1950- ) Deductions; Reductions; and Nonpayments of Benefits § 404.409 What is full retirement age? Full retirement age is the age at which you may receive unreduced old-age, wife's, husband's,...

  19. Patterns of Work and Retirement for a New Century.

    ERIC Educational Resources Information Center

    Clark, Robert L.; Quinn, Joseph F.

    2002-01-01

    The average retirement age for men shifted from 70 in 1950 to 65 in 1970 to 62 in 1985. Whether the trend toward early retirement has ended depends on interpretation of changes in the last 2 decades, including elimination of mandatory retirement, modifications in social security and pension plans, and increased longevity. (Contains 18 references.)…

  20. The New Meaning of Retirement. ERIC Digest No. 217.

    ERIC Educational Resources Information Center

    Stein, David

    The 21st century may become known as the era of lifelong learning and lifelong working. Retirement, the end stage of a linear working life, may be replaced with a learning, working, leisure, working, learning life cycle. Forced retirements and early retirement incentives have contributed to the decline of expertise in the workplace. Inflation,…

  1. Disconnected Expectations: Staff, Family, and Supported Employee Perspectives about Retirement

    ERIC Educational Resources Information Center

    Bigby, Christine; Wilson, Nathan J.; Balandin, Susan; Stancliffe, Roger J.

    2011-01-01

    Background: Australia has few policies to support the transition of older people with intellectual disability from employment to retirement. This study aimed to identify the possibilities and barriers to retirement for older employees in supported employment services. Method: Five distinct participant groups discussed retirement in 6 separate…

  2. New Tax Law Impairs Plans to Encourage Early Retirement.

    ERIC Educational Resources Information Center

    Mangan, Katherine S.

    1987-01-01

    New federal tax law requiring employees to pay taxes on a large sum of money at one time rather than over the course of retirement makes college retirement "buyout plans" no longer feasible and hampers colleges' efforts to thin faculty ranks after the uncapping of the mandatory retirement age. (MSE)

  3. The Information Seeking and Use Behaviors of Retired Investors

    ERIC Educational Resources Information Center

    O'Connor, Lisa G.

    2013-01-01

    This exploratory study examines the information seeking and use behaviors of a group of US retired or near-retirement investors from everyday life information seeking and serious leisure perspectives. Although primarily qualitative, it also collects and analyzes quantitative data to describe retired investors' information preferences and use.…

  4. Retirement Financial Planning and the RN: An Integrative Literature Review.

    PubMed

    Keele, Shanna; Alpert, Patricia T

    2015-10-01

    This integrative literature review examined the current research on RN retirement. The review identified 3 critical gaps in knowledge: (a) minimal knowledge regarding the economic impact on RN retirement, (b) incomplete information regarding the demographics of RN retirement, and (c) a scarcity of prospective longitudinal RN workforce studies. Future research must address these gaps to better address RN workforce sustainability. PMID:26426132

  5. Uncovered: Social Security, Retirement Uncertainty, and 1 Million Teachers

    ERIC Educational Resources Information Center

    Kan, Leslie; Aldeman, Chad

    2014-01-01

    Retirement savings are often described as a three-legged stool: Social Security, employer retirement plans, and personal savings. For many American workers, Social Security is the most consistent portion of the three-legged model, providing a solid plank of retirement savings. But nationwide, more than 1 million teachers--about 40 percent of all…

  6. 26 CFR 1.408-3 - Individual retirement annuities.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... (CONTINUED) INCOME TAXES Pension, Profit-Sharing, Stock Bonus Plans, Etc. § 1.408-3 Individual retirement annuities. (a) In general. An individual retirement annuity is an annuity contract or endowment contract... 26 Internal Revenue 5 2010-04-01 2010-04-01 false Individual retirement annuities. 1.408-3...

  7. 26 CFR 1.408-3 - Individual retirement annuities.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... (CONTINUED) INCOME TAXES (CONTINUED) Pension, Profit-Sharing, Stock Bonus Plans, Etc. § 1.408-3 Individual retirement annuities. (a) In general. An individual retirement annuity is an annuity contract or endowment... 26 Internal Revenue 5 2011-04-01 2011-04-01 false Individual retirement annuities. 1.408-3...

  8. EXPLORATION OF SIMULATION AS A RETIREMENT EDUCATION TECHNIQUE. FINAL REPORT.

    ERIC Educational Resources Information Center

    BOOCOCK, SARANE SPENCE; SPRAGUE, NORMAN

    A PILOT PROJECT EXPLORED THE ADAPTATION OF SIMULATION TECHNIQUES TO FOUR RETIREMENT PROBLEMS--FINANCIAL POSITION, PHYSICAL ENVIRONMENT (HOUSING CHOICES), HEALTH, AND SOCIAL ENVIRONMENT (PLANNING AND GAINING SKILLS BEFORE RETIREMENT). A PRELIMINARY MODEL OF A GAME IN RETIREMENT FINANCE PRESENTS PLAYERS WITH THREE INVESTMENT SITUATIONS--SAVINGS…

  9. Older Workers, Retirement and the Need for Flexibility.

    ERIC Educational Resources Information Center

    Blyton, Paul

    1984-01-01

    This literature review presents viewpoints on retirement expressed in four books: "Capitalism and the Construction of Old Age," (Chris Phillipson); "Work and Retirement," (Stanley Parker); "Work or Retirement?" (B. Casey, G. Bruche); "The Ageing Worker," (M. Doering, S.R. Rhodes, M. Schuster). (JB)

  10. 5 CFR 831.1203 - Basic requirements for disability retirement.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 5 Administrative Personnel 2 2012-01-01 2012-01-01 false Basic requirements for disability...) CIVIL SERVICE REGULATIONS (CONTINUED) RETIREMENT Disability Retirement § 831.1203 Basic requirements for disability retirement. (a) Except as provided in paragraph (b) of this section, the following conditions...

  11. 5 CFR 831.1203 - Basic requirements for disability retirement.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 5 Administrative Personnel 2 2014-01-01 2014-01-01 false Basic requirements for disability...) CIVIL SERVICE REGULATIONS (CONTINUED) RETIREMENT Disability Retirement § 831.1203 Basic requirements for disability retirement. (a) Except as provided in paragraph (b) of this section, the following conditions...

  12. 32 CFR 48.508 - Certain 100 percent disability retirement.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 32 National Defense 1 2014-07-01 2014-07-01 false Certain 100 percent disability retirement. 48... disability retirement. An election filed on or after August 13, 1968 is not effective if the member dies within 30 days following retirement from a disability of 100 per centum (under the standard schedule...

  13. 32 CFR 48.508 - Certain 100 percent disability retirement.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 32 National Defense 1 2011-07-01 2011-07-01 false Certain 100 percent disability retirement. 48... disability retirement. An election filed on or after August 13, 1968 is not effective if the member dies within 30 days following retirement from a disability of 100 per centum (under the standard schedule...

  14. 32 CFR 48.508 - Certain 100 percent disability retirement.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 32 National Defense 1 2012-07-01 2012-07-01 false Certain 100 percent disability retirement. 48... disability retirement. An election filed on or after August 13, 1968 is not effective if the member dies within 30 days following retirement from a disability of 100 per centum (under the standard schedule...

  15. 5 CFR 831.1203 - Basic requirements for disability retirement.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 5 Administrative Personnel 2 2011-01-01 2011-01-01 false Basic requirements for disability...) CIVIL SERVICE REGULATIONS (CONTINUED) RETIREMENT Disability Retirement § 831.1203 Basic requirements for disability retirement. (a) Except as provided in paragraph (b) of this section, the following conditions...

  16. 5 CFR 831.1203 - Basic requirements for disability retirement.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 5 Administrative Personnel 2 2013-01-01 2013-01-01 false Basic requirements for disability...) CIVIL SERVICE REGULATIONS (CONTINUED) RETIREMENT Disability Retirement § 831.1203 Basic requirements for disability retirement. (a) Except as provided in paragraph (b) of this section, the following conditions...

  17. 32 CFR 48.508 - Certain 100 percent disability retirement.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 32 National Defense 1 2013-07-01 2013-07-01 false Certain 100 percent disability retirement. 48... disability retirement. An election filed on or after August 13, 1968 is not effective if the member dies within 30 days following retirement from a disability of 100 per centum (under the standard schedule...

  18. 42 CFR 421.212 - Railroad Retirement Board contracts.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 42 Public Health 3 2010-10-01 2010-10-01 false Railroad Retirement Board contracts. 421.212... SERVICES (CONTINUED) MEDICARE PROGRAM MEDICARE CONTRACTING Carriers § 421.212 Railroad Retirement Board contracts. In accordance with this subpart C, the Railroad Retirement Board contracts with DMEPOS...

  19. 42 CFR 421.212 - Railroad Retirement Board contracts.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 42 Public Health 3 2013-10-01 2013-10-01 false Railroad Retirement Board contracts. 421.212... SERVICES (CONTINUED) MEDICARE PROGRAM (CONTINUED) MEDICARE CONTRACTING Carriers § 421.212 Railroad Retirement Board contracts. In accordance with this subpart C, the Railroad Retirement Board contracts...

  20. 20 CFR 404.1077 - Individuals under railroad retirement system.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 20 Employees' Benefits 2 2013-04-01 2013-04-01 false Individuals under railroad retirement system... Self-Employment § 404.1077 Individuals under railroad retirement system. If you are an employee or... business. Your services are covered under the railroad retirement system. Self-Employment Income...

  1. 42 CFR 421.212 - Railroad Retirement Board contracts.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 42 Public Health 3 2012-10-01 2012-10-01 false Railroad Retirement Board contracts. 421.212... SERVICES (CONTINUED) MEDICARE PROGRAM (CONTINUED) MEDICARE CONTRACTING Carriers § 421.212 Railroad Retirement Board contracts. In accordance with this subpart C, the Railroad Retirement Board contracts...

  2. 20 CFR 404.1077 - Individuals under railroad retirement system.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 20 Employees' Benefits 2 2012-04-01 2012-04-01 false Individuals under railroad retirement system... Self-Employment § 404.1077 Individuals under railroad retirement system. If you are an employee or... business. Your services are covered under the railroad retirement system. Self-Employment Income...

  3. 42 CFR 421.212 - Railroad Retirement Board contracts.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 42 Public Health 3 2014-10-01 2014-10-01 false Railroad Retirement Board contracts. 421.212... SERVICES (CONTINUED) MEDICARE PROGRAM (CONTINUED) MEDICARE CONTRACTING Carriers § 421.212 Railroad Retirement Board contracts. In accordance with this subpart C, the Railroad Retirement Board contracts...

  4. 42 CFR 421.212 - Railroad Retirement Board contracts.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 42 Public Health 3 2011-10-01 2011-10-01 false Railroad Retirement Board contracts. 421.212... SERVICES (CONTINUED) MEDICARE PROGRAM MEDICARE CONTRACTING Carriers § 421.212 Railroad Retirement Board contracts. In accordance with this subpart C, the Railroad Retirement Board contracts with DMEPOS...

  5. 42 CFR 408.42 - Deduction from railroad retirement benefits.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 42 Public Health 2 2013-10-01 2013-10-01 false Deduction from railroad retirement benefits. 408.42... § 408.42 Deduction from railroad retirement benefits. (a) Responsibility for deductions. If an enrollee is entitled to railroad retirement benefits, his or her SMI premiums are deducted from those...

  6. 20 CFR 404.1077 - Individuals under railroad retirement system.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 20 Employees' Benefits 2 2010-04-01 2010-04-01 false Individuals under railroad retirement system... Self-Employment § 404.1077 Individuals under railroad retirement system. If you are an employee or... business. Your services are covered under the railroad retirement system. Self-Employment Income...

  7. 42 CFR 408.42 - Deduction from railroad retirement benefits.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 42 Public Health 2 2014-10-01 2014-10-01 false Deduction from railroad retirement benefits. 408.42... § 408.42 Deduction from railroad retirement benefits. (a) Responsibility for deductions. If an enrollee is entitled to railroad retirement benefits, his or her SMI premiums are deducted from those...

  8. 42 CFR 408.42 - Deduction from railroad retirement benefits.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 42 Public Health 2 2010-10-01 2010-10-01 false Deduction from railroad retirement benefits. 408.42... § 408.42 Deduction from railroad retirement benefits. (a) Responsibility for deductions. If an enrollee is entitled to railroad retirement benefits, his or her SMI premiums are deducted from those...

  9. 42 CFR 408.42 - Deduction from railroad retirement benefits.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 42 Public Health 2 2012-10-01 2012-10-01 false Deduction from railroad retirement benefits. 408.42... § 408.42 Deduction from railroad retirement benefits. (a) Responsibility for deductions. If an enrollee is entitled to railroad retirement benefits, his or her SMI premiums are deducted from those...

  10. 42 CFR 408.42 - Deduction from railroad retirement benefits.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 42 Public Health 2 2011-10-01 2011-10-01 false Deduction from railroad retirement benefits. 408.42... § 408.42 Deduction from railroad retirement benefits. (a) Responsibility for deductions. If an enrollee is entitled to railroad retirement benefits, his or her SMI premiums are deducted from those...

  11. 20 CFR 404.1077 - Individuals under railroad retirement system.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 20 Employees' Benefits 2 2014-04-01 2014-04-01 false Individuals under railroad retirement system... Self-Employment § 404.1077 Individuals under railroad retirement system. If you are an employee or... business. Your services are covered under the railroad retirement system. Self-Employment Income...

  12. 20 CFR 404.1077 - Individuals under railroad retirement system.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 20 Employees' Benefits 2 2011-04-01 2011-04-01 false Individuals under railroad retirement system... Self-Employment § 404.1077 Individuals under railroad retirement system. If you are an employee or... business. Your services are covered under the railroad retirement system. Self-Employment Income...

  13. 76 FR 32241 - Civil Service Retirement System; Present Value Factors

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-06-03

    ...The Office of Personnel Management (OPM) is providing notice of adjusted present value factors applicable to retirees under the Civil Service Retirement System (CSRS) who elect to provide survivor annuity benefits to a spouse based on post-retirement marriage and to retiring employees who elect the alternative form of annuity, owe certain redeposits based on refunds of contributions for......

  14. Superintendent Retirement in a Reform State: Rhetoric and Reality

    ERIC Educational Resources Information Center

    Boyland, Lori; Ellis, John

    2015-01-01

    Indiana recently gained status as a national leader in educational reform. At the same time, a record number of superintendents retired, with 62 retirements in 2012 and 2013, representing 21% of superintendents in the state. The purpose of this study was to explore factors influencing superintendents' decisions to retire during this time.…

  15. 5 CFR 831.1203 - Basic requirements for disability retirement.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Basic requirements for disability...) CIVIL SERVICE REGULATIONS (CONTINUED) RETIREMENT Disability Retirement § 831.1203 Basic requirements for disability retirement. (a) Except as provided in paragraph (b) of this section, the following conditions...

  16. 32 CFR 48.508 - Certain 100 percent disability retirement.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 32 National Defense 1 2010-07-01 2010-07-01 false Certain 100 percent disability retirement. 48... disability retirement. An election filed on or after August 13, 1968 is not effective if the member dies within 30 days following retirement from a disability of 100 per centum (under the standard schedule...

  17. 22 CFR 19.10-3 - Marriage after retirement.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 22 Foreign Relations 1 2014-04-01 2014-04-01 false Marriage after retirement. 19.10-3 Section 19... PARTICIPANTS IN THE FOREIGN SERVICE RETIREMENT AND DISABILITY SYSTEM § 19.10-3 Marriage after retirement. If an... marriage irrevocably elect to receive a reduced annuity and to provide, subject to any obligation...

  18. 22 CFR 19.10-3 - Marriage after retirement.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 22 Foreign Relations 1 2013-04-01 2013-04-01 false Marriage after retirement. 19.10-3 Section 19... PARTICIPANTS IN THE FOREIGN SERVICE RETIREMENT AND DISABILITY SYSTEM § 19.10-3 Marriage after retirement. If an... marriage irrevocably elect to receive a reduced annuity and to provide, subject to any obligation...

  19. 22 CFR 19.10-3 - Marriage after retirement.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 22 Foreign Relations 1 2012-04-01 2012-04-01 false Marriage after retirement. 19.10-3 Section 19... PARTICIPANTS IN THE FOREIGN SERVICE RETIREMENT AND DISABILITY SYSTEM § 19.10-3 Marriage after retirement. If an... marriage irrevocably elect to receive a reduced annuity and to provide, subject to any obligation...

  20. A Longitudinal Study of Work After Retirement: Examining Predictors of Bridge Employment, Continued Career Employment, and Retirement.

    PubMed

    Bennett, Misty M; Beehr, Terry A; Lepisto, Lawrence R

    2016-09-01

    Older employees are increasingly accepting bridge employment, which occurs when older workers take employment for pay after they retire from their main career. This study examined predictors of workers' decisions to engage in bridge employment versus full retirement and career employment. A national sample of 482 older people in the United States was surveyed regarding various work-related and nonwork related predictors of retirement decisions, and their retirement status was measured 5 years later. In bivariate analyses, both work-related variables (career goal achievement and experienced pressure to retire) and nonwork-related variables (psychological distress and traditional gender role orientation) predicted taking bridge employment, but in multinomial logistic regression, only nonwork variables had unique effects. Few predictors differentiated the bridge employed and fully retired groups. Nonwork variables were salient in making the decision to retire, and bridge employment may be conceptually more similar to full retirement than to career employment. PMID:27284203

  1. The Influence of the Early Retirement Process on Satisfaction with Early Retirement and Psychological Well-Being

    ERIC Educational Resources Information Center

    Potocnik, Kristina; Tordera, Nuria; Peiro, Jose Maria

    2010-01-01

    The present study explores the influence of the early retirement process on adjustment to early retirement, taking into account the roles of individual characteristics and social context in this process. We proposed a systematic model integrating perceived ability to continue working, organizational pressures toward early retirement and group…

  2. Retirement Satisfaction for Retirees and Their Spouses: Do Gender and the Retirement Decision-Making Process Matter?

    ERIC Educational Resources Information Center

    Smith, Deborah B.; Moen, Phyllis

    2004-01-01

    This study investigates factors related to retirees' and their spouses' individual and joint retirement satisfaction using decision-making theory and a life course perspective. The sample includes 421 retired respondents (ages 50 to 72) and spouses from the Cornell Retirement and Well-Being Study. Although 77% of retirees report retirement…

  3. What is your savings personality? The 1998 Retirement Confidence Survey.

    PubMed

    Yakoboski, P; Ostuw, P; Hicks, J

    1998-08-01

    This Issue Brief presents the findings of the 1998 Retirement Confidence Survey (RCS). The survey tracks Americans' retirement planning and saving behavior and their confidence regarding various aspects of their retirement. It also categorizes workers and retirees into six distinct groups, based on their very different views on retirement, retirement planning, and saving. The six personality types identified in the RCS are Deniers (10 percent of the population), Strugglers (9 percent), Impulsives (20 percent), Cautious Savers (21 percent), Planners (23 percent), and Retiring Savers (17 percent). The survey shows that working Americans have become more focused on retirement; 45 percent have tried to determine how much they need to save before they retire, up from 32 percent in 1996. Americans' growing attention to their retirement has not increased their retirement income confidence. Since 1993, the portion of working Americans who are very confident that they will have enough money to live comfortably throughout retirement has consistently ranged from 20 percent to 25 percent. Sixty-three percent of Americans have begun to save for retirement. Fifty-five percent of those not saving for retirement say it is reasonably possible for them to save $20 per week (over $1,000 per year). In addition, 57 percent of workers who have begun to save say that it is reasonably possible for them to save an additional $20 per week. The findings demonstrate the continuing need for broad-based educational efforts designed to make retirement savings a priority for individuals. The good news is the evidence that education can have a real impact at the individual level. For the first time the 1998 RCS examined retirement planning, saving, and attitudes across ethnic groups (African-Americans, Hispanic-Americans, Asian-Americans, and whites). African-Americans are the least confident that they will have enough money to live comfortably in retirement. African-Americans and Hispanic

  4. Pensions and Retirement Among Black Union Army Veterans

    PubMed Central

    Costa, Dora L.

    2010-01-01

    I examine the effects of an unearned income transfer on the retirement rates and living arrangements of black Union Army veterans. I find that blacks were more than twice as responsive as whites to income transfers in their retirement decisions and 6 to 8 times as responsive in their choice of independent living arrangements. My findings have implications for understanding racial differences in rates of retirement and independent living at the beginning of the twentieth century, the rise in retirement prior to 1930, and the subsequent convergence in black-white retirement rates and living arrangements. PMID:21179379

  5. How did the recession of 2007-2009 affect the wealth and retirement of the near retirement age population in the Health and Retirement Study?

    PubMed

    Gustman, Alan L; Steinmeier, Thomas L; Tabatabai, Nahid

    2012-01-01

    This article uses household wealth and labor market data from the Health and Retirement Study (HRS) to investigate how the recent "Great Recession" has affected the wealth and retirement of those approaching retirement age as the recession began, a potentially vulnerable population. The retirement wealth of people aged 53-58 in 2006 declined by a relatively modest 2.8 percent by 2010. Relative losses were greatest among those with the highest wealth when the recession began. Most of the loss in wealth is due to a declining net value of housing, but several factors may provide this cohort with time to recover its housing losses. Although unemployment rose during the Great Recession, that increase was not mirrored by flows out of full-time work or partial retirement. To date, the retirement behavior of the Early Boomer cohort does not differ much from that of older cohorts at comparable ages. PMID:23397745

  6. Land Retirement as a Habitat Restoration Tool

    NASA Astrophysics Data System (ADS)

    Singh, P. N.; Wallender, W. W.

    2007-12-01

    Use of intensive irrigation in arid and semi-arid areas usually leads to gradual salination of the soil leading to crop yield decline. The salination problem is mitigated by applying irrigation in excess of crop requirements, which leaches the excess salt load to the groundwater. Insufficient natural or man made drainage to dispose off this saline recharge to the groundwater leads to a gradual rise in the water table and eventual encroachment upon the root zone. This may ultimately make the land unfit for any economically productive activity. The abandoned land may even lead to desertification with adverse environmental consequences. In drainage basins with no surface outflow (sometimes called closed basins), land retirement has been proposed as a management tool to address this problem. Land retirement essentially entails intentionally discontinuing irrigation of selected farmlands with the expectation that the shallow water table beneath those lands should drop and the root zone salinity level should decrease. In the San Joaquin Valley of California, intensive irrigation in conjunction with a shallow underlying layer of clay, known as the Corcoran clay layer and absence of a drainage system caused the root zone to become highly saline and the shallow water table to rise. Land retirement would remove from production those farmlands contributing the poorest quality subsurface drain water. Based on numerical models results, it was expected that with land retirement of substantial irrigated lands with poor drainage characteristics, beneath which lies shallow groundwater with high salt load, the shallow water table beneath those lands should drop. A part of the retired lands could also be used for wildlife habitat. A potential negative side of the land retirement option that has to be considered is that in certain enabling evapotranspiration, soil and water table conditions, water will be drawn upwards and evaporated, leaving a deposit of salts on the surface and in

  7. [Retirement and the obligations of the future].

    PubMed

    Picot, J

    1982-01-01

    Retirement, when funds are transferred to the nonworking elderly regardless of their physical condition, is a modern invention not without problems. The ever earlier withdrawal from the labor force of large numbers of persons, an increasing proportion of whom are in robust health, creates a problem of providing something to do for people who may not have the means of amusing themselves adequately and who do not have many family responsibilities in an age of shrinking families. Another question involves the cost to the working population of maintaining the growing numbers condemned to retirement. French households obtained 32.4% of their financial resources through transfer payments in 1980, up from 25.1% in 1970. Since 1979 the growth of household income has been due completely to transfer payments and not at all to salaries. 42% of transfer payments are pension benefits. Only about 10% of the increase in pensions thus far is due to aging of the population; the 2 major causes are the improvement of pensions and the declining rate of activity that transforms workers into retirees. From 1968-79, the activity rate of those aged 60-64 declined from 63.9% to 43.7% among men and from 35.3% to 23.9% among women. The requirements for supplemental financing of retirement benefits when the full weight of the pension reforms is felt will depend on the behavior of the economy and the ability to absorb more workers, and on the numbers of workers who choose early retirement, which will probably be large. Present tendencies toward an increasing role for transfer payments in household income can only increase, leading to the very difficult question of what the future will hold for the income levels of the active population. PMID:12265266

  8. What causes EBRI retirement readiness ratings to vary: results from the 2014 Retirement Security Projection Model.

    PubMed

    VanDerhei, Jack

    2014-02-01

    RETIREMENT INCOME ADEQUACY IMPROVED SLIGHTLY IN 2013: Due to the increase in financial market and housing values during 2013, the probability that Baby Boomers and Generation Xers would NOT run short of money in retirement increases between 0.5 and 1.6 percentage points, based on the Employee Benefit Research Institute (EBRI) Retirement Readiness Ratings (RRRs). ELIGIBILITY FOR PARTICIPATION IN AN EMPLOYER-SPONSORED DEFINED CONTRIBUTION PLAN REMAINS ONE OF THE MOST IMPORTANT FACTORS FOR RETIREMENT INCOME ADEQUACY: RRR values double for Gen Xers in the lowest-income quartile when comparing those with 20 or more years of future eligibility with those with no years of future eligibility, while those in the middle income quartiles experience increases in RRR values by 27.1-30.3 percentage points. FUTURE SOCIAL SECURITY BENEFITS MAKE A HUGE DIFFERENCE FOR THE RETIREMENT INCOME ADEQUACY OF SOME HOUSEHOLDS, ESPECIALLY GEN XERS IN THE LOWEST-INCOME QUARTILE: If Social Security benefits are subject to proportionate decreases beginning in 2033 (according to the values in Figure 8), the RRR values for those households will drop by more than 50 percent: from 20.9 percent to 10.3 percent. LONGEVITY RISK AND STOCHASTIC HEALTH CARE RISK ARE ASSOCIATED WITH HUGE VARIATIONS IN RETIREMENT INCOME ADEQUACY: For both of these factors, a comparison between the most "risky" quartile with the least risky quartile shows a spread of approximately 30 percentage points for the lowest income range, approximately 25 to 40 percentage points for the highest income range, and even larger spreads for those in the middle income ranges. A GREAT DEAL OF THE VARIABILITY IN RETIREMENT INCOME ADEQUACY COULD BE MITIGATED BY APPROPRIATE RISK-MANAGEMENT TECHNIQUES AT OR NEAR RETIREMENT AGE: For example, the annuitization of a portion of the defined contribution and IRA balances may substantially increase the probability of not running short of money in retirement. Moreover, a well-functioning market in long

  9. Retirement and its consequences for women's health in Australia.

    PubMed

    Zhu, Rong

    2016-08-01

    Understanding the health consequences of retirement is important, as many developed countries have already started raising state pension eligibility age, with the intention to induce postponed retirement. This paper estimates the causal effect of retirement on the health outcomes of older women in Australia, utilising the exogenous variation in retirement induced by the change in age eligibility for the Australian Age Pension. Using a sample of 19,185 observations for 3771 women from waves 2001-2011 of the Household, Income and Labour Dynamics in Australia (HILDA) Survey, we show that retirement status has positive and significant effects on women's self-reported health, physical and mental health outcomes. We also find that longer time spent in retirement confers clear additional health benefits. We show that retirement affects physical and mental health in diverse ways and that the estimated positive health effects of retirement are coincidental with increased post-retirement physical activity and reduced smoking. Our finding that retirement can improve health suggests that the welfare losses from working life prolongation policies will be larger than currently though when we include the cost of the foregone health improvements. PMID:27423068

  10. Retirement Policies and Support for Emergency Service Personnel: The Transition to Retirement.

    PubMed

    Bracken-Scally, Mairéad; McGilloway, Sinéad; Mitchell, Jeffrey T

    2016-06-01

    The aim of this study was to explore policies and procedures to support employees who retire from the emergency services. Interviews were conducted with participants who were familiar with existing policies and procedures in a large ambulance (n = 8) and fire (n = 6) service in Ireland. Four key themes were identified: (1) "I don't think it's a job at 65 to be running out on an emergency ambulance"; (2) "They do genuinely feel a wee bit isolated"; (3) improving the "cultural shock"; and (4) "I just keep going and hope for the best". Findings point towards retirement as a major life change and highlight a need for more structured, effective pre-retirement preparation. Factors unique to emergency service personnel include the physical and emotional stress involved in emergency service; a strong identification with the service; and a lack of clarity about rules and entitlements, requiring better information and preparation. PMID:27112913

  11. Travel: a long-range goal of retired women.

    PubMed

    Staats, Sara; Pierfelice, Loretta

    2003-09-01

    The authors surveyed retired persons (predominately women) with regard to their immediate, intermediate, and long-range activities following retirement. As predicted, leisure travel emerged as a frequent long-range goal for persons retired more than 5 years. The travel activity preferences of long-retired older women present challenges and opportunities to both researchers and marketers. Length of trips and frequency of trips have been predicted from regression models, with trip length in particular being well predicted by the problem of daily life hassles. A theoretical model of continued post-retirement travel is presented as a variant of Solomon's opponent process theory of affect (R. L. Solomon, 1980). The authors suggest that to the degree that places traveled to are varied and different, older people may remain stimulated and continue to enjoy retirement. PMID:14629078

  12. Recession and Expected Retirement Age: Another Look at the Evidence

    PubMed Central

    Szinovacz, Maximiliane E.

    2014-01-01

    Purpose: This article expands on earlier analyses that assessed whether the recent recession influenced retirement expectations. Design and Methods: Acknowledging that planning for retirement is a complex process influenced by personal preferences, resources, economic factors, institutional policies, and social norms, we test more comprehensive models than those used in previous studies, using data from the 2006 and 2008 waves (Waves 8 and 9) of the Health and Retirement Study. Results: Our results confirm that economic changes impinge on retirement expectations, but they also show stronger influences of other factors such as debts and the work environment. Implications: As the baby boom cohorts approach retirement age, it will be important to better understand how workers consider macro factors such as the state of the economy and firm-level factors and personal finances when planning for retirement. PMID:23448961

  13. 26 CFR 1.409-1 - Retirement bonds.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... CFR 346.1(c). (ii) If a retirement bond is redeemed after the close of the taxable year in which the... 26 Internal Revenue 5 2010-04-01 2010-04-01 false Retirement bonds. 1.409-1 Section 1.409-1...) INCOME TAXES Pension, Profit-Sharing, Stock Bonus Plans, Etc. § 1.409-1 Retirement bonds. (a) In...

  14. Gradual Retirement in the Netherlands: An Analysis Using Administrative Data.

    PubMed

    Bloemen, Hans; Hochguertel, Stefan; Zweerink, Jochem

    2016-02-01

    Gradual retirement by which individuals leave their career jobs and withdraw incrementally from the labor force is an important empirical phenomenon in the United States. We analyze the current state of gradual retirement in the Netherlands using administrative data that allow much more precise tracking of labor market transitions than most survey panel data. We estimate multinomial transition models, taking into account competing pathways out of career employment at older ages, and discuss institutional aspects that limit the scope of gradual retirement, such as financial incentives to retire early. PMID:25963739

  15. 5 CFR 844.202 - Agency-filed disability retirement applications.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 5 Administrative Personnel 2 2013-01-01 2013-01-01 false Agency-filed disability retirement... SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' RETIREMENT SYSTEM-DISABILITY RETIREMENT Applications for Disability Retirement § 844.202 Agency-filed disability retirement applications. (a) Basis...

  16. 5 CFR 844.202 - Agency-filed disability retirement applications.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 5 Administrative Personnel 2 2014-01-01 2014-01-01 false Agency-filed disability retirement... SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' RETIREMENT SYSTEM-DISABILITY RETIREMENT Applications for Disability Retirement § 844.202 Agency-filed disability retirement applications. (a) Basis...

  17. 5 CFR 844.202 - Agency-filed disability retirement applications.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 5 Administrative Personnel 2 2012-01-01 2012-01-01 false Agency-filed disability retirement... SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' RETIREMENT SYSTEM-DISABILITY RETIREMENT Applications for Disability Retirement § 844.202 Agency-filed disability retirement applications. (a) Basis...

  18. 5 CFR 844.202 - Agency-filed disability retirement applications.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 5 Administrative Personnel 2 2011-01-01 2011-01-01 false Agency-filed disability retirement... SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' RETIREMENT SYSTEM-DISABILITY RETIREMENT Applications for Disability Retirement § 844.202 Agency-filed disability retirement applications. (a) Basis...

  19. 5 CFR 844.202 - Agency-filed disability retirement applications.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Agency-filed disability retirement... SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES' RETIREMENT SYSTEM-DISABILITY RETIREMENT Applications for Disability Retirement § 844.202 Agency-filed disability retirement applications. (a) Basis...

  20. Retirement and Activity Restrictions Following Concussion.

    PubMed

    Laker, Scott R; Meron, Adele; Greher, Michael R; Wilson, Julie

    2016-05-01

    Sport-related concussion is prevalent at all levels of play. Increased attention from sports media and scientific and medical communities has prompted players and physicians to explore the long-term effects of concussion and ask the questions of when and how players should begin to mitigate their concussion risk. The authors evaluate their risks from the perspective of epidemiology, symptomatology, neuropsychological performance, and biomechanics. The authors propose that there is not a set number of concussions that necessitates retirement in athletes and, aside from a few absolute contraindications to return to collision sport, return to play should be an individualized process. PMID:27154858

  1. Friends without Benefits: How States Systematically Shortchange Teachers' Retirement and Threaten Their Retirement Security

    ERIC Educational Resources Information Center

    Aldeman, Chad; Rotherham, Andrew J.

    2014-01-01

    To shore up the $46 billion pension debt the state has accrued over the past several decades, Illinois has been using its teachers as a piggy bank. New legislation adopted in December 2013 will raise the retirement age for mid-career workers and limit the amount retiree pensions can increase with inflation over time. State and national union…

  2. Paying for Retirement: Sex Differences in Inclusion in Employer-Provided Retirement Plans

    ERIC Educational Resources Information Center

    Wright, Rosemary

    2012-01-01

    Purpose: This study examines sex differences among Baby Boom workers in the likelihood of coverage by an employer-provided retirement plan. Design and Methods: This study used a sample of Baby Boom workers drawn from the 2009 Current Population Survey. Independent variables were selected to replicate as closely as possible those in two 1995…

  3. 26 CFR 1.1402(a)-17 - Retirement payments to retired partners.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... service with respect to any trade or business carried on by the partnership (or its successors) during the... and exists from a transaction unrelated to the partnership or to a trade or business carried on by the... partnership is the period July 1 to June 30, inclusive. A retired from the partnership on January 1, 1973,...

  4. The evolution of Japanese employer-sponsored retirement plans.

    PubMed

    Rajnes, David

    2007-01-01

    This article examines the development of Japanese voluntary employer-sponsored retirement plans with an emphasis on recent trends. Until 2001, companies in Japan offered retirement benefits as lump-sum severance payments and/or benefits from one of two types of defined benefit (DB) pension plans. One type of DB plan was based on the occupational pension model used in the United States before the adoption of the Employee Retirement Income Security Act of 1974 (ERISA), but lacked the funding, vesting, and other protective features contained in ERISA. The other type of DB plan allowed companies to opt out of the earnings-related portion of social security, commonly referred to as "contracting out." Landmark laws passed in 2001 introduced a new generation of occupational retirement plans to employers and employees. One law increased funding requirements and enhanced employee protections for employer-sponsored DB plans, while a second law introduced defined contribution (DC) plans for several reasons, chiefly to increase retirement savings and help boost Japanese financial markets. These laws complemented earlier changes in the tax code and financial accounting standards already affecting employer-sponsored retirement plans. As a result, new retirement plan designs will replace most prereform era company retirement plans by 2012. In 2001, the experience of 401(k) plans in the United States, where 42 million participants had accumulated more than $1.8 trillion in assets over 20 years, attracted considerable attention among Japanese lawmakers finalizing provisions of the DC pension law. Even with government support and encouragement from the financial services industry, Japanese companies have not adopted these new DC plans in large numbers. As a result, occupational retirement plans in Japan have remained predominantly DB-a surprising development in light of the shift in a number of countries from DB to DC plans observed in recent decades. However, recent proposals to

  5. The Impact of Early Retirement on Perceptions of Life at Work and at Home: Qualitative Analyses of British Civil Servants Participating in the Whitehall II Retirement Study

    ERIC Educational Resources Information Center

    Mein, Gill; Ellison, George T. H.

    2006-01-01

    This study examined pathways to retirement and the role of circumstances at work and at home (including the introduction of financially-enhanced early retirement schemes) on retirement-related decision-making. In-depth qualitative interviews were conducted within 2 years of retirement with 59 British civil servants participating in the Whitehall…

  6. 78 FR 67401 - Solicitation of Written Comments by the Military Compensation and Retirement Modernization...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-11-12

    ... From the Federal Register Online via the Government Publishing Office MILITARY COMPENSATION AND RETIREMENT MODERNIZATION COMMISSION Solicitation of Written Comments by the Military Compensation and Retirement Modernization Commission AGENCY: Military Compensation and Retirement Modernization...

  7. 78 FR 70072 - Meeting of the Military Compensation and Retirement Modernization Commission

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-11-22

    ... From the Federal Register Online via the Government Publishing Office MILITARY COMPENSATION AND RETIREMENT MODERNIZATION COMMISSION Meeting of the Military Compensation and Retirement Modernization Commission AGENCY: Military Compensation and Retirement Modernization Commission. ACTION: Notice of...

  8. 78 FR 68097 - Meeting of the Military Compensation and Retirement Modernization Commission

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-11-13

    ... From the Federal Register Online via the Government Publishing Office MILITARY COMPENSATION AND RETIREMENT MODERNIZATION COMMISSION Meeting of the Military Compensation and Retirement Modernization Commission AGENCY: Military Compensation and Retirement Modernization Commission. ACTION: Notice of...

  9. 78 FR 60243 - Solicitation of Written Comments by the Military Compensation and Retirement Modernization...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-10-01

    ...; ] MILITARY COMPENSATION AND RETIREMENT MODERNIZATION COMMISSION Solicitation of Written Comments by the Military Compensation and Retirement Modernization Commission AGENCY: Military Compensation and Retirement Modernization Commission. ACTION: Notice seeking comments. SUMMARY: The Military Compensation and...

  10. A Future-Oriented Retirement Transition Adjustment Framework

    ERIC Educational Resources Information Center

    Hesketh, Beryl; Griffin, Barbara; Loh, Vanessa

    2011-01-01

    This theoretical paper presents a person-environment fit framework that extends the Minnesota Theory of Work Adjustment to retirement transition and adjustment. The proposed Retirement Transition and Adjustment Framework (RTAF) also accommodates dynamic intra-individual and environment change over time, configural combinations of variables, and an…

  11. Mental Work Demands, Retirement, and Longitudinal Trajectories of Cognitive Functioning

    PubMed Central

    Fisher, Gwenith G.; Stachowski, Alicia; Infurna, Frank J.; Faul, Jessica D.; Grosch, James; Tetrick, Lois E.

    2015-01-01

    Age-related changes in cognitive abilities are well-documented, and a very important indicator of health, functioning, and decline in later life. However, less is known about the course of cognitive functioning before and after retirement and specifically whether job characteristics during one's time of employment (i.e., higher vs. lower levels of mental work demands) moderate how cognition changes both before and after the transition to retirement. We used data from n = 4,182 (50% women) individuals in the Health and Retirement Study, a nationally representative panel study in the United States, across an 18 year time span (1992–2010). Data were linked to the O'NET occupation codes to gather information about mental job demands to examine whether job characteristics during one's time of employment moderates level and rate of change in cognitive functioning (episodic memory and mental status) both before and after retirement. Results indicated that working in an occupation characterized by higher levels of mental demands was associated with higher levels of cognitive functioning before retirement, and a slower rate of cognitive decline after retirement. We controlled for a number of important covariates, including socioeconomic (education and income), demographic, and health variables. Our discussion focuses on pathways through which job characteristics may be associated with the course of cognitive functioning in relation to the important transition of retirement. Implications for job design as well as retirement are offered. PMID:24635733

  12. 18 CFR 367.59 - Additions and retirements of property.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 18 Conservation of Power and Water Resources 1 2012-04-01 2012-04-01 false Additions and retirements of property. 367.59 Section 367.59 Conservation of Power and Water Resources FEDERAL ENERGY... GAS ACT Service Company Property Instructions § 367.59 Additions and retirements of property. (a)...

  13. 18 CFR 367.59 - Additions and retirements of property.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 18 Conservation of Power and Water Resources 1 2013-04-01 2013-04-01 false Additions and retirements of property. 367.59 Section 367.59 Conservation of Power and Water Resources FEDERAL ENERGY... GAS ACT Service Company Property Instructions § 367.59 Additions and retirements of property. (a)...

  14. 18 CFR 367.59 - Additions and retirements of property.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 18 Conservation of Power and Water Resources 1 2014-04-01 2014-04-01 false Additions and retirements of property. 367.59 Section 367.59 Conservation of Power and Water Resources FEDERAL ENERGY... GAS ACT Service Company Property Instructions § 367.59 Additions and retirements of property. (a)...

  15. 32 CFR 199.25 - TRICARE Retired Reserve.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 32 National Defense 2 2012-07-01 2012-07-01 false TRICARE Retired Reserve. 199.25 Section 199.25 National Defense Department of Defense (Continued) OFFICE OF THE SECRETARY OF DEFENSE (CONTINUED) MISCELLANEOUS CIVILIAN HEALTH AND MEDICAL PROGRAM OF THE UNIFORMED SERVICES (CHAMPUS) § 199.25 TRICARE Retired Reserve. (a) Establishment....

  16. 18 CFR 346.3 - Asset retirement obligations.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... COMMISSION, DEPARTMENT OF ENERGY REGULATIONS UNDER THE INTERSTATE COMMERCE ACT OIL PIPELINE COST-OF-SERVICE FILING REQUIREMENTS § 346.3 Asset retirement obligations. (a) A carrier that files material in support of... related to asset retirement obligations that would impact the calculation of rate base, such as...

  17. 18 CFR 346.3 - Asset retirement obligations.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... COMMISSION, DEPARTMENT OF ENERGY REGULATIONS UNDER THE INTERSTATE COMMERCE ACT OIL PIPELINE COST-OF-SERVICE FILING REQUIREMENTS § 346.3 Asset retirement obligations. (a) A carrier that files material in support of... related to asset retirement obligations that would impact the calculation of rate base, such as...

  18. 18 CFR 346.3 - Asset retirement obligations.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... COMMISSION, DEPARTMENT OF ENERGY REGULATIONS UNDER THE INTERSTATE COMMERCE ACT OIL PIPELINE COST-OF-SERVICE FILING REQUIREMENTS § 346.3 Asset retirement obligations. (a) A carrier that files material in support of... related to asset retirement obligations that would impact the calculation of rate base, such as...

  19. 40 CFR 96.305 - Retired unit exemption.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... NOX Ozone Season Trading Program General Provisions § 96.305 Retired unit exemption. (a)(1) Any CAIR NOX Ozone Season unit that is permanently retired and is not a CAIR NOX Ozone Season opt-in unit under subpart IIII of this part shall be exempt from the CAIR NOX Ozone Season Trading Program, except for...

  20. 40 CFR 96.305 - Retired unit exemption.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... NOX Ozone Season Trading Program General Provisions § 96.305 Retired unit exemption. (a)(1) Any CAIR NOX Ozone Season unit that is permanently retired and is not a CAIR NOX Ozone Season opt-in unit under subpart IIII of this part shall be exempt from the CAIR NOX Ozone Season Trading Program, except for...

  1. 40 CFR 96.305 - Retired unit exemption.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... NOX Ozone Season Trading Program General Provisions § 96.305 Retired unit exemption. (a)(1) Any CAIR NOX Ozone Season unit that is permanently retired and is not a CAIR NOX Ozone Season opt-in unit under subpart IIII of this part shall be exempt from the CAIR NOX Ozone Season Trading Program, except for...

  2. 40 CFR 97.305 - Retired unit exemption.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ...) FEDERAL NOX BUDGET TRADING PROGRAM AND CAIR NOX AND SO2 TRADING PROGRAMS CAIR NOX Ozone Season Trading Program General Provisions § 97.305 Retired unit exemption. (a)(1) Any CAIR NOX Ozone Season unit that is permanently retired and is not a CAIR NOX Ozone Season opt-in unit under subpart IIII of this part shall...

  3. 40 CFR 96.305 - Retired unit exemption.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... NOX Ozone Season Trading Program General Provisions § 96.305 Retired unit exemption. (a)(1) Any CAIR NOX Ozone Season unit that is permanently retired and is not a CAIR NOX Ozone Season opt-in unit under subpart IIII of this part shall be exempt from the CAIR NOX Ozone Season Trading Program, except for...

  4. 40 CFR 96.305 - Retired unit exemption.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... NOX Ozone Season Trading Program General Provisions § 96.305 Retired unit exemption. (a)(1) Any CAIR NOX Ozone Season unit that is permanently retired and is not a CAIR NOX Ozone Season opt-in unit under subpart IIII of this part shall be exempt from the CAIR NOX Ozone Season Trading Program, except for...

  5. The Influence of Specific Physical Health Conditions on Retirement Decisions

    ERIC Educational Resources Information Center

    Shultz, Kenneth S.; Wang, Mo

    2007-01-01

    Physical health has consistently been shown to strongly influence the retirement decision-making process. Unfortunately, "physical health" is typically operationalized in global terms. As a result, we know little about the specific aspects of physical health that influence the decision to retire. Therefore, in the present study, data from three…

  6. Factors affecting the retirement of commercial transport jet aircraft

    NASA Technical Reports Server (NTRS)

    Spencer, F. A.; Swanson, J. A.

    1978-01-01

    A brief historical background of the technology and economics of aircraft replacement and retirement in the prejet era is presented to see whether useful insights can be obtained applicable to the jet area. Significant differences between the two periods were demonstated. Current technological and operational economic perspectives were investigated in detail. Some conclusions are drawn to aircraft retirement policies.

  7. 75 FR 60643 - Customs and Border Protection Officer Retirement

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-10-01

    ...; ] OFFICE OF PERSONNEL MANAGEMENT 5 CFR Parts 831, 841, and 842 RIN 3206-AL69 Customs and Border Protection... available to customs and border protection officers under the Civil Service Retirement System (CSRS) and the... Act provides early retirement and enhanced annuity benefits for customs and border protection...

  8. The Process of Retirement: The Rural Self Employed.

    ERIC Educational Resources Information Center

    Keating, Norah; Marshall, Judith

    The timing and nature of the process of retirement for self-employed individuals were investigated. Subjects were 25 farm couples and 24 non-farm couples, all residing in rural Alberta, Canada. Both groups were matched on age, income, and education. Findings support the existence of a retirement process with a developmental sequence beginning at…

  9. 18 CFR 35.18 - Asset retirement obligations.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 18 Conservation of Power and Water Resources 1 2010-04-01 2010-04-01 false Asset retirement obligations. 35.18 Section 35.18 Conservation of Power and Water Resources FEDERAL ENERGY REGULATORY... not seeking recovery of the asset retirement costs in rates, must remove all...

  10. 26 CFR 1.408-2 - Individual retirement accounts.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 26 Internal Revenue 5 2013-04-01 2013-04-01 false Individual retirement accounts. 1.408-2 Section 1.408-2 Internal Revenue INTERNAL REVENUE SERVICE, DEPARTMENT OF THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Pension, Profit-Sharing, Stock Bonus Plans, Etc. § 1.408-2 Individual retirement accounts. (a) In general....

  11. 12 CFR 615.5260 - Retirement of eligible borrower stock.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Retirement of eligible borrower stock. 615.5260... Dividends § 615.5260 Retirement of eligible borrower stock. (a) Definitions. For the purposes of this subpart the following definitions shall apply: (1) Eligible borrowers stock means: (i)...

  12. 76 FR 32242 - Federal Employees' Retirement System; Normal Cost Percentages

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-06-03

    ... MANAGEMENT Federal Employees' Retirement System; Normal Cost Percentages AGENCY: Office of Personnel... normal cost percentages for employees covered by the Federal Employees' Retirement System (FERS) Act of 1986. DATES: The revised normal cost percentages are effective at the beginning of the first pay...

  13. 75 FR 35098 - Federal Employees' Retirement System; Normal Cost Percentages

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-06-21

    ... MANAGEMENT Federal Employees' Retirement System; Normal Cost Percentages AGENCY: Office of Personnel... normal cost percentages for employees covered by the Federal Employees' Retirement System (FERS) Act of 1986. DATES: The revised normal cost percentages are effective at the beginning of the first pay...

  14. 40 CFR 72.8 - Retired units exemption.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ...) PERMITS REGULATION Acid Rain Program General Provisions § 72.8 Retired units exemption. (a) This section... affected unit (except for an opt-in source) that is permanently retired shall be exempt from the Acid Rain... permitting authority otherwise responsible for administering a Phase II Acid Rain permit for the unit. If...

  15. 40 CFR 72.8 - Retired units exemption.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ...) PERMITS REGULATION Acid Rain Program General Provisions § 72.8 Retired units exemption. (a) This section... affected unit (except for an opt-in source) that is permanently retired shall be exempt from the Acid Rain... permitting authority otherwise responsible for administering a Phase II Acid Rain permit for the unit. If...

  16. 40 CFR 72.8 - Retired units exemption.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ...) PERMITS REGULATION Acid Rain Program General Provisions § 72.8 Retired units exemption. (a) This section... affected unit (except for an opt-in source) that is permanently retired shall be exempt from the Acid Rain... permitting authority otherwise responsible for administering a Phase II Acid Rain permit for the unit. If...

  17. 40 CFR 72.8 - Retired units exemption.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ...) PERMITS REGULATION Acid Rain Program General Provisions § 72.8 Retired units exemption. (a) This section... affected unit (except for an opt-in source) that is permanently retired shall be exempt from the Acid Rain... permitting authority otherwise responsible for administering a Phase II Acid Rain permit for the unit. If...

  18. 40 CFR 72.8 - Retired units exemption.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 40 Protection of Environment 16 2010-07-01 2010-07-01 false Retired units exemption. 72.8 Section 72.8 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED) PERMITS REGULATION Acid Rain Program General Provisions § 72.8 Retired units exemption. (a) This section applies to any affected unit (except for...

  19. Early Retirement Is Not the Cat's Meow. The Endpaper.

    ERIC Educational Resources Information Center

    Ferguson, Wayne S.

    1982-01-01

    Early retirement plans are perceived as being beneficial to school staff and financially advantageous to schools. Four out of the five assumptions on which these perceptions are based are incorrect. The one correct assumption is that early retirement will make affirmative action programs move ahead more rapidly. The incorrect assumptions are: (1)…

  20. Facing up to Post-Retirement Medical Costs

    ERIC Educational Resources Information Center

    Biggs, John H.

    2008-01-01

    In the late 1990s, the Andrew W. Mellon Foundation made grants to study people's attitudes toward retirement and to determine what factors influenced their decisions to retire. Although faculty were not talking to college administrators or human-resources departments about health care, the researchers found to their surprise that when they…

  1. Life Style Types and Patterns of Retirement of Educators

    ERIC Educational Resources Information Center

    Snow, Robert B.; Havighurst, Robert J.

    1977-01-01

    Administrators in higher education disclosed life style patterns for the "retirement period" from ages 65 to 75. Two contrasting patterns are described-Transformers and Maintainers. These groups reported differences in boyhood experiences, attitudes toward retirement, and choices of activity after age 65. (Author)

  2. Preparation for Retirement; A New Guide to Program Development.

    ERIC Educational Resources Information Center

    American Association of Retired Persons, Washington, DC.

    This handbook on preparation for retirement is intended to serve the needs of the program sponsoring agency--governmental agencies, business, and industry; it may also be used in programs jointly sponsored with unions, employee organizations, or community groups. It is a sequel to "Preparation for Retirement in the Federal Government." The first…

  3. Influences of Age and Gender on Workers' Goals for Retirement

    ERIC Educational Resources Information Center

    Hershey, Douglas A.; Jacobs-Lawson, Joy M.; Neukam, Kirstan A.

    2002-01-01

    Having clear goals for retirement is a critical determinant of life satisfaction and adjustment during the post-employment transition period. The purpose of the present study was to explore individuals' goals for retirement and determine whether age and gender differences exist among those goals. A sample of 55 working adults (aged 20-67) were…

  4. Principals' Perception of Coping Strategies for Retirement in Enugu State

    ERIC Educational Resources Information Center

    Ejionueme, L. K.; Ugwoke, S. C.; Etonyeaku, E. A. C.; Anyanwu, J. I.

    2012-01-01

    Retirement is another phase of life. It is neither occupational death nor physical death. This study investigated principals' perception of the strategies to cope with retirement. One research question and one hypothesis guided the study. The sample for the study was 259 principals in Anambra state schools. Questionnaire was the instrument for the…

  5. 20 CFR 404.1207 - Divided retirement system coverage groups.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 20 Employees' Benefits 2 2010-04-01 2010-04-01 false Divided retirement system coverage groups..., SURVIVORS AND DISABILITY INSURANCE (1950- ) Coverage of Employees of State and Local Governments What Groups of Employees May Be Covered § 404.1207 Divided retirement system coverage groups. (a) General....

  6. Civic Engagement as a Retirement Role for Aging Americans

    ERIC Educational Resources Information Center

    Kaskie, Brian; Imhof, Sara; Cavanaugh, Joseph; Culp, Kennith

    2008-01-01

    Purpose: Public attention directed toward the civic engagement of retired Americans has increased considerably. The purpose of this research was to define civic engagement as a retirement role and differentiate individuals who met this role definition from other retirees. Design and Methods: Retirees who met our definition of civic engagement were…

  7. Financial Planning for Retirement: An Imperative for Baby Boomer Women.

    ERIC Educational Resources Information Center

    Glass, J. Conrad, Jr.; Kilpatrick, Beverly B.

    1998-01-01

    Many women fail to plan for retirement due to economic constraints, interrupted career paths, lower earnings, gender bias, gender-role socialization, self-esteem, role definition, locus of control, or risk tolerance. Retirement education must address women's specific issues regarding financial planning. (SK)

  8. Status of Individuals' Planning to Prepare for Retirement in Turkey

    ERIC Educational Resources Information Center

    Gunay, Gulay; Bener, Ozgun

    2008-01-01

    This research was conducted in Ankara province for the purpose of examining the status of planning in preparation for retirement as an individual and as a family of individuals who show differences in educational level. Individuals who lived in Ankara province, who were 3 years from retirement according to age limit, and who had social security…

  9. The Retirement Identity Crisis--And How to Beat It.

    ERIC Educational Resources Information Center

    Halloran, Daniel F.

    1985-01-01

    Examines the fears people have concerning retirement and the importance of one's job to one's self-image. The author suggests steps one can take to help prepare for retirement, such as promoting alternate aspects of your life, associating with people outside of your job arena, and developing and maintaining outside interests. (CT)

  10. 40 CFR 97.605 - Retired unit exemption.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ...) FEDERAL NOX BUDGET TRADING PROGRAM AND CAIR NOX AND SO2 TRADING PROGRAMS TR SO2 Group 1 Trading Program § 97.605 Retired unit exemption. (a)(1) Any TR SO2 Group 1 unit that is permanently retired shall be... paragraph (a)(1) of this section shall become effective the day on which the TR SO2 Group 1 unit...

  11. 40 CFR 97.605 - Retired unit exemption.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ...) FEDERAL NOX BUDGET TRADING PROGRAM AND CAIR NOX AND SO2 TRADING PROGRAMS TR SO2 Group 1 Trading Program § 97.605 Retired unit exemption. (a)(1) Any TR SO2 Group 1 unit that is permanently retired shall be... paragraph (a)(1) of this section shall become effective the day on which the TR SO2 Group 1 unit...

  12. 40 CFR 97.405 - Retired unit exemption.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ...) FEDERAL NOX BUDGET TRADING PROGRAM AND CAIR NOX AND SO2 TRADING PROGRAMS TR NOX Annual Trading Program § 97.405 Retired unit exemption. (a)(1) Any TR NOX Annual unit that is permanently retired shall be... paragraph (a)(1) of this section shall become effective the day on which the TR NOX Annual unit...

  13. 40 CFR 97.405 - Retired unit exemption.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ...) FEDERAL NOX BUDGET TRADING PROGRAM AND CAIR NOX AND SO2 TRADING PROGRAMS TR NOX Annual Trading Program § 97.405 Retired unit exemption. (a)(1) Any TR NOX Annual unit that is permanently retired shall be... paragraph (a)(1) of this section shall become effective the day on which the TR NOX Annual unit...

  14. 40 CFR 97.505 - Retired unit exemption.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ...) FEDERAL NOX BUDGET TRADING PROGRAM AND CAIR NOX AND SO2 TRADING PROGRAMS TR NOX Ozone Season Trading Program § 97.505 Retired unit exemption. (a)(1) Any TR NOX Ozone Season unit that is permanently retired... under paragraph (a)(1) of this section shall become effective the day on which the TR NOX Ozone...

  15. 40 CFR 97.505 - Retired unit exemption.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ...) FEDERAL NOX BUDGET TRADING PROGRAM AND CAIR NOX AND SO2 TRADING PROGRAMS TR NOX Ozone Season Trading Program § 97.505 Retired unit exemption. (a)(1) Any TR NOX Ozone Season unit that is permanently retired... under paragraph (a)(1) of this section shall become effective the day on which the TR NOX Ozone...

  16. 40 CFR 97.605 - Retired unit exemption.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ...) FEDERAL NOX BUDGET TRADING PROGRAM AND CAIR NOX AND SO2 TRADING PROGRAMS TR SO2 Group 1 Trading Program § 97.605 Retired unit exemption. (a)(1) Any TR SO2 Group 1 unit that is permanently retired shall be... paragraph (a)(1) of this section shall become effective the day on which the TR SO2 Group 1 unit...

  17. 40 CFR 97.505 - Retired unit exemption.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ...) FEDERAL NOX BUDGET TRADING PROGRAM AND CAIR NOX AND SO2 TRADING PROGRAMS TR NOX Ozone Season Trading Program § 97.505 Retired unit exemption. (a)(1) Any TR NOX Ozone Season unit that is permanently retired... under paragraph (a)(1) of this section shall become effective the day on which the TR NOX Ozone...

  18. 40 CFR 97.405 - Retired unit exemption.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ...) FEDERAL NOX BUDGET TRADING PROGRAM AND CAIR NOX AND SO2 TRADING PROGRAMS TR NOX Annual Trading Program § 97.405 Retired unit exemption. (a)(1) Any TR NOX Annual unit that is permanently retired shall be... paragraph (a)(1) of this section shall become effective the day on which the TR NOX Annual unit...

  19. Changing Retirement Policies. Current Issues in Higher Education, 1978.

    ERIC Educational Resources Information Center

    American Association for Higher Education, Washington, DC.

    Changes in federal law regarding mandatory retirement policy, while not directly covering higher education until 1982, will have much earlier educational and financial impacts on colleges and universities. Educational decision-makers will modify their behavior in such areas as hiring and tenure decisions, retirement decisions, and faculty pay…

  20. 29 CFR 4022.10 - Earliest PBGC Retirement Date.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... after the date the participant reaches age 55, the Earliest PBGC Retirement Date for the participant is... reaches age 55, the Earliest PBGC Retirement Date for the participant is the date the participant reaches... participant reaches age 55, the PBGC will make a determination, under the facts and circumstances, as...

  1. 47 CFR 32.1438 - Deferred maintenance and retirements.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 47 Telecommunication 2 2010-10-01 2010-10-01 false Deferred maintenance and retirements. 32.1438 Section 32.1438 Telecommunication FEDERAL COMMUNICATIONS COMMISSION (CONTINUED) COMMON CARRIER SERVICES....1438 Deferred maintenance and retirements. (a) This account shall include such items as: (1)...

  2. A Policy Analysis of Public School Retirement Systems

    ERIC Educational Resources Information Center

    Lewis, Tara; Teeter, Matt

    2010-01-01

    The purpose of this policy analysis was to examine the Missouri Public School Retirement System (PSRS). The team investigated the under-funding of PSRS, relating to sustainability and the feasibility of the system's use of one lever, contribution rate, to stabilize the retirement system, and to meet actuary needs and governmental requirements. The…

  3. 5 CFR 838.911 - Identifying the retirement system.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 5 Administrative Personnel 2 2014-01-01 2014-01-01 false Identifying the retirement system. 838.911 Section 838.911 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) COURT ORDERS AFFECTING RETIREMENT BENEFITS Terminology Used in Court Orders Awarding Former Spouse Survivor...

  4. 26 CFR 1.405-3 - Taxation of retirement bonds.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 26 Internal Revenue 5 2010-04-01 2010-04-01 false Taxation of retirement bonds. 1.405-3 Section 1... (CONTINUED) INCOME TAXES Pension, Profit-Sharing, Stock Bonus Plans, Etc. § 1.405-3 Taxation of retirement..., profit-sharing, or stock bonus plan, employer contributions on behalf of his common-law employees under...

  5. 18 CFR 367.59 - Additions and retirements of property.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 18 Conservation of Power and Water Resources 1 2011-04-01 2011-04-01 false Additions and retirements of property. 367.59 Section 367.59 Conservation of Power and Water Resources FEDERAL ENERGY... GAS ACT Service Company Property Instructions § 367.59 Additions and retirements of property. (a)...

  6. 5 CFR 837.501 - Refund of retirement deductions.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 5 Administrative Personnel 2 2011-01-01 2011-01-01 false Refund of retirement deductions. 837.501 Section 837.501 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) REEMPLOYMENT OF ANNUITANTS Retirement Benefits on Separation § 837.501 Refund...

  7. 5 CFR 837.501 - Refund of retirement deductions.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Refund of retirement deductions. 837.501 Section 837.501 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) REEMPLOYMENT OF ANNUITANTS Retirement Benefits on Separation § 837.501 Refund...

  8. Age Differences in Demographic Predictors of Retirement Investment Decisions

    ERIC Educational Resources Information Center

    Davis, Guyla D.; Chen, Yiwei

    2008-01-01

    Increased longevity coupled with inadequate savings makes retirement savings and investment research increasingly important. A policy-capturing method was used to examine the relative importance of 6 demographic predictors on the retirement investment decisions of 64 working adults. All predictors were significant predictors of the investment. In…

  9. 12 CFR 615.5280 - Retirement in event of default.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Retirement in event of default. 615.5280 Section 615.5280 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM FUNDING AND FISCAL... Dividends § 615.5280 Retirement in event of default. (a) When the debt of a holder of eligible...

  10. 12 CFR 615.5280 - Retirement in event of default.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 7 2013-01-01 2013-01-01 false Retirement in event of default. 615.5280 Section 615.5280 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM FUNDING AND FISCAL... Dividends § 615.5280 Retirement in event of default. (a) When the debt of a holder of eligible...

  11. 12 CFR 615.5280 - Retirement in event of default.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Retirement in event of default. 615.5280 Section 615.5280 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM FUNDING AND FISCAL... Dividends § 615.5280 Retirement in event of default. (a) When the debt of a holder of eligible...

  12. 12 CFR 615.5280 - Retirement in event of default.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 12 Banks and Banking 7 2014-01-01 2014-01-01 false Retirement in event of default. 615.5280 Section 615.5280 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM FUNDING AND FISCAL... Dividends § 615.5280 Retirement in event of default. (a) When the debt of a holder of eligible...

  13. 12 CFR 615.5280 - Retirement in event of default.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 12 Banks and Banking 7 2012-01-01 2012-01-01 false Retirement in event of default. 615.5280 Section 615.5280 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM FUNDING AND FISCAL... Dividends § 615.5280 Retirement in event of default. (a) When the debt of a holder of eligible...

  14. 12 CFR 615.5260 - Retirement of eligible borrower stock.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... at par, even if book value is less than par. (c) When a Farm Credit Bank retires stock for the sole... obtaining a loan prior to the earlier of the date of shareholder approval of capitalization bylaws under... time the loan was made; or (ii) Retirement pursuant to §§ 615.5280 and 615.5290. (3) Par value...

  15. Focus Your Future: A Woman's Guide to Retirement Planning.

    ERIC Educational Resources Information Center

    American Association of Retired Persons, Washington, DC.

    This guidebook addresses retirement planning for midlife women. Section 1 presents the woman an opportunity to assess herself today in terms of the roles she plays in various aspects of her life and in her relationships with others. It asks her to consider some of her plans, dreams, and things she would like to do in an ideal retirement situation.…

  16. The Value of Adaptive Regret Management in Retirement

    ERIC Educational Resources Information Center

    Farquhar, Jamie C.; Wrosch, Carsten; Pushkar, Dolores; Li, Karen Z. H.

    2013-01-01

    This 3-year longitudinal study examined the associations between regret management, everyday activities, and retirement satisfaction among recent retirees. We hypothesized that the regulation of a severe life regret can facilitate activity engagement and retirement satisfaction, but only if retirees manage their regrets adaptively by either…

  17. Economic Pressure and Marital Conflict in Retirement-Aged Couples

    ERIC Educational Resources Information Center

    Dew, Jeffrey; Yorgason, Jeremy

    2010-01-01

    Tests of the relationship between economic difficulties and marital distress have generally excluded retirement-aged couples. Given the aging U.S. population and the upcoming retirement of the baby boom cohort, this research gap is problematic. To rectify this omission, this study uses longitudinal data from the National Survey of Families and…

  18. Marriage and Retirement: Advice to Couples in Popular Literature.

    ERIC Educational Resources Information Center

    Harbert, Ellen M.; And Others

    Though academic research has shown retirement to be viewed by retirees as a satisfying time in life, popular opinion holds that retirement is a difficult adjustment for a couple. This study was undertaken to find out more about one source of popular opinion, the popular press. All popular books and magazine articles on the topic of marriage and…

  19. Setting the Record Straight: Retirement Security for Educators

    ERIC Educational Resources Information Center

    Corcoran, Bruce

    2012-01-01

    The landscape of public education retirement plans is in an upheaval. A variety of economic, demographic, and political factors make it increasingly difficult for defined-benefit pension plans alone to provide educators with an adequate retirement. As a result, for the nearly seven million educators in America's public primary and secondary…

  20. Visual Arts and Older Adult Learners in Retirement

    ERIC Educational Resources Information Center

    Hunt, Irma

    2012-01-01

    The purpose of this study was to explore the role of visual arts and its impact on successful aging and older adult learners in retirement. Retirement is one of the most important economic, psychological, and social transitions in most people's lives. Longevity has increased in the last sixty years such that in 2010, the average person can…

  1. [Costs of early retirement--the case of schizophrenia].

    PubMed

    Clouth, Johannes

    2004-11-01

    Schizophrenia is a severe psychic disorder that occurs at young age and often leads to a work disability. The disease not only induces direct costs in the health care system but also indirect costs that show up in the social security system. In this study, we apply statistics from the social security administration on early retirement due to disability. Over 6000-males and females per year retire with the diagnosis schizophrenia (classified as 295, ICD-9). The average retirement age is 39 for males and 42 for females. Schizophrenia is the most important single reason for early retirement before age 40. Of all male cases of disability retirement under the age of 40, 14.7 % are due to schizophrenia. The present discounted value of pensions paid out before the standard retirement age of 65 is 215 000 Euro for an average male. Moreover, the revenue loss in income taxes and payroll contributions amounts to 345 000 Euro. In the year 2000, a total of 125 000 persons under the age of 65, who originally entered retirement with the diagnosis schizophrenia, are estimated to be receiving a pension. The corresponding annual expenditures of the social security system reach 1.3 Billion Euro; the revenue loss (pay-roll plus income taxes) reaches 2 Billion Euro. Since only two thirds of the working age population is covered by the social security system, the costs of early retirement due to schizophrenia are underestimated by a factor of at least one third. PMID:15586317

  2. 76 FR 32243 - Federal Employees' Retirement System; Present Value Factors

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-06-03

    ...The Office of Personnel Management (OPM) is providing notice of adjusted present value factors applicable to retirees who elect to provide survivor annuity benefits to a spouse based on post-retirement marriage, and to retiring employees who elect the alternative form of annuity or elect to credit certain service with nonappropriated fund instrumentalities. This notice is necessary to conform......

  3. Working experiences of Iranian retired nurses: a content analysis study.

    PubMed

    Nobahar, Monir; Ahmadi, Fazlollah; Alhani, Fatemah; Fallahi Khoshknab, Masood

    2013-10-01

    Understanding the experiences of retired nurses can be useful in increasing self-confidence, motivation to work and work enthusiasm among nurses. The purpose of this study was to explore the work experiences of Iranian retired nurses. A qualitative design was conducted using a content analysis approach. Purposive sampling was used to choose the study participants. Semi-structured interviews were held to collect the perspectives of 20 retired nurses (10 female and 10 male). Two main themes emerged in the data analysis: 'work problems and unpleasant experiences in a sense' with subthemes 'exhausting work', 'insufficient salary', 'inappropriate relation' and 'unsuitable social position'; and 'job satisfaction and pleasant experiences in a sense' with subthemes 'divine satisfaction and religious belief', 'satisfaction of patients and their companions' and 'love of nursing profession and relaxation experience'. The findings indicate the challenges that nurses face after retirement. These experiences will help nurse managers to adopt appropriate measures to support nurses after retirement. PMID:24093736

  4. Retirement security: It's not just about the money.

    PubMed

    James, Jacquelyn Boone; Matz-Costa, Christina; Smyer, Michael A

    2016-01-01

    Retirement security is not just about the money. Although there are many guidelines for financial security, there are few for crafting a rewarding life in the new era of longevity and health. With the meaning of "retirement" being actively redefined, there is a gap between what older adults want and need and what their employers and policymakers are offering. Retirement security in its broadest sense requires programs and policies that encourage and support flexible work that allow some choice and control over when, where, and how work gets done, and which work tasks are assumed by which employees or work teams, self-employment, and formal and informal volunteer work. This article has 3 purposes: (a) to summarize the current context of retirement, (b) to identify barriers to psychological security in later life, and (c) to suggest how psychologists can support the rewriting of the retirement chapter for future retirees. (PsycINFO Database Record PMID:27159440

  5. Impact of Long-Term Care on Retirement Wellness.

    PubMed

    Rappaport, Anna M

    2015-01-01

    Retirement wellness is the result of retiring at an appropriate age, saving enough and managing risks appropriately. One of the major risks that often is not addressed effectively is the long-term care (LTC) risk, i.e., the risk of needing help due to physical or cognitive limitations. In 2014, the Society of Actuaries issued a call for papers on the link between LTC and retirement security. This article will discuss the topic of LTC and retirement security broadly, drawing from several of the papers. Some of the topics include the impact of LTC on the individual, family members and caregivers; modeling results showing the impact of LTC on assets needed for a secure retirement; alternative methods of financing LTC; the link between housing decisions and LTC; and some ideas for the future. PMID:26510254

  6. Early retirement pensions in Sweden: trends and regional variations.

    PubMed

    Berglind, H

    1978-01-01

    The total number of early retirement pensiones has risen sharply since the end of the 1960s. The increase was greatest during the early 1970s following a reform in 1970 which extended the right to early retirement pension to older workers because of labour market considerations. This article discusses various conceivable explanations for the growth in the number of early retirement pensioners and regional variations of this phenomenon. The following explanatory factors are considered: (a) The prospects of getting (keeping) a job. (b) Work capacity. (c) The nature of the pension scheme. (d) Alternative possibilities of support. (e) Preferences concerning early retirement pensions. The discussion focuses on two explanations highlighted in the public debate in Sweden: changes in pension legislation and the role of the solidarity wages policy. An empirical analysis of variations at the provincial level reveals a definite correlation between the proportion of early retirement pensioners and various indices of unemployment and underemployment. PMID:635502

  7. Perceptions of Retirement Affect Career Commitment: The Mediating Role of Retirement System Satisfaction for Two Teacher Age Groups

    ERIC Educational Resources Information Center

    Smith, Justin L.; Conley, Sharon; You, Sukkyung

    2015-01-01

    This study investigated a sample of California elementary, intermediate, and high school employed teachers (N = 247) to assess the effects of retirement perceptions on career commitment among teachers who are in different age groupings. Using path analysis, the influence of five retirement perceptions variables was examined: concerns about…

  8. Human Aging and Retirement: Questions Unresolved and Resolved. Some Reflections on Contemporary Gerontology and its Relevance to Retirement Policy.

    ERIC Educational Resources Information Center

    Rhee, H. A.

    The report is a general multidisciplinary survey of current areas of interest in the field of gerontology, especially those having to do with retirement and the provision of social security. Chapter 1 discusses social security as an issue in gerontology and the concern of social security with retirement and aging. Chapter 2 discusses the "Third…

  9. Removal of Retired Alkali Metal Test Systems

    SciTech Connect

    BREHM, W.F.

    2003-01-01

    This paper describes the successful effort to remove alkali metals, alkali metal residues, and piping and structures from retired non-radioactive test systems on the Hanford Site. These test systems were used between 1965 and 1982 to support the Fast Flux Test Facility and the Liquid Metal Fast Breeder Reactor Program. A considerable volume of sodium and sodium-potassium alloy (NaK) was successfully recycled to the commercial sector; structural material and electrical material such as wiring was also recycled. Innovative techniques were used to safely remove NaK and its residues from a test system that could not be gravity-drained. The work was done safely, with no environmental issues or significant schedule delays.

  10. Removal of Retired Alkali Metal Test Systems

    SciTech Connect

    Brehm, W. F.; Church, W. R.; Biglin, J. W.

    2003-02-26

    This paper describes the successful effort to remove alkali metals, alkali metal residues, and piping and structures from retired non-radioactive test systems on the Hanford Site. These test systems were used between 1965 and 1982 to support the Fast Flux Test Facility and the Liquid Metal Fast Breeder Reactor Program. A considerable volume of sodium and sodium-potassium alloy (NaK) was successfully recycled to the commercial sector; structural material and electrical material such as wiring was also recycled. Innovative techniques were used to safely remove NaK and its residues from a test system that could not be gravity-drained. The work was done safely, with no environmental issues or significant schedule delays.

  11. How Do Management Fees Affect Retirement Wealth under Mexico's Personal Retirement Accounts System?

    PubMed Central

    Aguila, Emma; Hurd, Michael D.; Rohwedder, Susann

    2014-01-01

    In 1997, Mexico transformed its pay-as-you-go social security system to a fully funded system with personal retirement accounts, including management fees. This article examines changes in retirement wealth resulting from this new system. It shows that management fees have drained a significant proportion of individuals' retirement wealth and have increased the number of persons claiming a government-subsidized minimum pension, particularly from the time the system was introduced in 1997 until adjustment to management fees in 2008. Since 2008, retirement wealth accumulation has been similar to that of the previous system. En 1997, México transformó su sistema de pensiones basado en cotizaciones individuales a uno de ahorro para el retiro que incluyen cuotas por la administración de las cuentas. El presente estudio examina los cambios en el monto de las pensiones como resultado de la introducción del nuevo sistema. Los resultados muestran que las cuotas de administración han drenado una proporción significativa del ahorro para el retiro de los individuos por lo que ha aumentado el número de personas que solicita la pensión mínima garantizada subsidiada por el gobierno desde que se introdujo el sistema en 1997 hasta que se hicieron ajustes en las cuotas de administración de los fondos de pensiones en 2008. A partir de 2008, la acumulación del ahorro para el retiro ha sido similar que la del sistema anterior. PMID:25601893

  12. [Pensions and adjustment to retirement of employed women].

    PubMed

    Clemens, W

    1993-01-01

    The process of women's adjustment to retirement has been widely neglected by social scientists. Compared to men, women partly experience greater difficulty in adjusting to the retirement process, as the few studies on this subject have demonstrated. Results of a qualitative study are reported. The processes of early versus normal transition to retirement have been studied in former female employees of the German Federal Postal Administration. Despite similar life-styles and work biographies, different patterns of adjustment emerge due to health status and social experiences. These results stress the importance of a biographically based approach to the process of adjustment. PMID:8273413

  13. 20 CFR 227.3 - Reduction for railroad retirement family maximum.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 20 Employees' Benefits 1 2011-04-01 2011-04-01 false Reduction for railroad retirement family... RETIREMENT ACT COMPUTING SUPPLEMENTAL ANNUITIES § 227.3 Reduction for railroad retirement family maximum. If the railroad retirement family maximum applies, and the reduction amount is higher than the...

  14. The Effects of Defined Benefit Pension Incentives and Working Conditions on Teacher Retirement Decisions

    ERIC Educational Resources Information Center

    Furgeson, Joshua; Strauss, Robert P.; Vogt, William B.

    2006-01-01

    The retirement behavior of Pennsylvania public school teachers in 1997-98 and 1998-99, a period when state early retirement incentives were temporarily increased, is modeled using a choice framework that emphasizes both pecuniary and nonpecuniary factors of the retirement decision under a defined benefit retirement plan. We find each to have large…

  15. 20 CFR Appendix 3 to Part 220 - Railroad Retirement Board Occupational Disability Standards

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 20 Employees' Benefits 1 2010-04-01 2010-04-01 false Railroad Retirement Board Occupational Disability Standards 3 Appendix 3 to Part 220 Employees' Benefits RAILROAD RETIREMENT BOARD REGULATIONS UNDER THE RAILROAD RETIREMENT ACT DETERMINING DISABILITY Pt. 220, App. 3 Appendix 3 to Part 220—Railroad Retirement Board Occupational...

  16. 20 CFR Appendix 3 to Part 220 - Railroad Retirement Board Occupational Disability Standards

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 20 Employees' Benefits 1 2011-04-01 2011-04-01 false Railroad Retirement Board Occupational Disability Standards 3 Appendix 3 to Part 220 Employees' Benefits RAILROAD RETIREMENT BOARD REGULATIONS UNDER THE RAILROAD RETIREMENT ACT DETERMINING DISABILITY Pt. 220, App. 3 Appendix 3 to Part 220—Railroad Retirement Board Occupational...

  17. 20 CFR Appendix 3 to Part 220 - Railroad Retirement Board Occupational Disability Standards

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 20 Employees' Benefits 1 2014-04-01 2012-04-01 true Railroad Retirement Board Occupational Disability Standards 3 Appendix 3 to Part 220 Employees' Benefits RAILROAD RETIREMENT BOARD REGULATIONS UNDER THE RAILROAD RETIREMENT ACT DETERMINING DISABILITY Pt. 220, App. 3 Appendix 3 to Part 220—Railroad Retirement Board Occupational...

  18. 20 CFR Appendix 3 to Part 220 - Railroad Retirement Board Occupational Disability Standards

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 20 Employees' Benefits 1 2012-04-01 2012-04-01 false Railroad Retirement Board Occupational Disability Standards 3 Appendix 3 to Part 220 Employees' Benefits RAILROAD RETIREMENT BOARD REGULATIONS UNDER THE RAILROAD RETIREMENT ACT DETERMINING DISABILITY Pt. 220, App. 3 Appendix 3 to Part 220—Railroad Retirement Board Occupational...

  19. 45 CFR 2553.11 - What is the Retired and Senior Volunteer Program?

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 45 Public Welfare 4 2014-10-01 2014-10-01 false What is the Retired and Senior Volunteer Program... FOR NATIONAL AND COMMUNITY SERVICE THE RETIRED AND SENIOR VOLUNTEER PROGRAM General § 2553.11 What is the Retired and Senior Volunteer Program? The Retired and Senior Volunteer Program (RSVP)...

  20. 45 CFR 2553.11 - What is the Retired and Senior Volunteer Program?

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 45 Public Welfare 4 2011-10-01 2011-10-01 false What is the Retired and Senior Volunteer Program... FOR NATIONAL AND COMMUNITY SERVICE THE RETIRED AND SENIOR VOLUNTEER PROGRAM General § 2553.11 What is the Retired and Senior Volunteer Program? The Retired and Senior Volunteer Program (RSVP)...

  1. 45 CFR 2553.11 - What is the Retired and Senior Volunteer Program?

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 45 Public Welfare 4 2013-10-01 2013-10-01 false What is the Retired and Senior Volunteer Program... FOR NATIONAL AND COMMUNITY SERVICE THE RETIRED AND SENIOR VOLUNTEER PROGRAM General § 2553.11 What is the Retired and Senior Volunteer Program? The Retired and Senior Volunteer Program (RSVP)...

  2. 45 CFR 2553.11 - What is the Retired and Senior Volunteer Program?

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 45 Public Welfare 4 2012-10-01 2012-10-01 false What is the Retired and Senior Volunteer Program... FOR NATIONAL AND COMMUNITY SERVICE THE RETIRED AND SENIOR VOLUNTEER PROGRAM General § 2553.11 What is the Retired and Senior Volunteer Program? The Retired and Senior Volunteer Program (RSVP)...

  3. Career-Related Variables and Planned Retirement Age: An Extension of Beehr's Model.

    ERIC Educational Resources Information Center

    Adams, Gary A.

    1999-01-01

    A study of 172 older workers found that career commitment and occupational-goal attainment play a central role in planned retirement age. Age and retirement-income satisfaction had the most significant relationship to planned retirement age. Job satisfaction was not strongly related to retirement intentions. (SK)

  4. In Retirement Migration, Who Counts? A Methodological Question with Economic Policy Implications

    ERIC Educational Resources Information Center

    Haas, William H., III; Bradley, Don E.; Longino, Charles F., Jr.; Stoller, Eleanor P.; Serow, William J.

    2006-01-01

    Purpose: We examine the methodological and economic policy implications of three operationalizations of retirement migration. Design and Methods: We compared the traditional age-based definition of retirement migration and two retirement-based definitions, based on degree of labor-force participation and retirement income, by using the 2000 U.S.…

  5. 29 CFR 4044.56 - XRA when a participant need not retire to receive a benefit.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... Expected Retirement Age § 4044.56 XRA when a participant need not retire to receive a benefit. (a... earliest retirement age at valuation date. (c) Procedure. Participants in this case are always assigned to... the participant's URA and earliest retirement age at termination date....

  6. Report on Nisei Retirement Planning Conference (San Francisco, Calif. November 19-21, 1976).

    ERIC Educational Resources Information Center

    Japanese American Citizens League, San Francisco, CA.

    This document presents a report on the Nisei Retirement Planning Conference. First, a history of the organization of the conference is provided. Then, a series of working papers on the Nisei and retirement are given. These papers address issues such as the following: 1) retirement as a national concern, 2) general retirement issues (physical…

  7. 5 CFR 831.1205 - Agency-filed disability retirement applications.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 5 Administrative Personnel 2 2013-01-01 2013-01-01 false Agency-filed disability retirement...) CIVIL SERVICE REGULATIONS (CONTINUED) RETIREMENT Disability Retirement § 831.1205 Agency-filed disability retirement applications. (a) Basis for filing an application for an employee. An agency must...

  8. 5 CFR 831.1205 - Agency-filed disability retirement applications.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 5 Administrative Personnel 2 2011-01-01 2011-01-01 false Agency-filed disability retirement...) CIVIL SERVICE REGULATIONS (CONTINUED) RETIREMENT Disability Retirement § 831.1205 Agency-filed disability retirement applications. (a) Basis for filing an application for an employee. An agency must...

  9. 5 CFR 831.1205 - Agency-filed disability retirement applications.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 5 Administrative Personnel 2 2012-01-01 2012-01-01 false Agency-filed disability retirement...) CIVIL SERVICE REGULATIONS (CONTINUED) RETIREMENT Disability Retirement § 831.1205 Agency-filed disability retirement applications. (a) Basis for filing an application for an employee. An agency must...

  10. 5 CFR 831.1205 - Agency-filed disability retirement applications.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 5 Administrative Personnel 2 2014-01-01 2014-01-01 false Agency-filed disability retirement...) CIVIL SERVICE REGULATIONS (CONTINUED) RETIREMENT Disability Retirement § 831.1205 Agency-filed disability retirement applications. (a) Basis for filing an application for an employee. An agency must...

  11. 20 CFR 227.3 - Reduction for railroad retirement family maximum.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 20 Employees' Benefits 1 2013-04-01 2012-04-01 true Reduction for railroad retirement family maximum. 227.3 Section 227.3 Employees' Benefits RAILROAD RETIREMENT BOARD REGULATIONS UNDER THE RAILROAD RETIREMENT ACT COMPUTING SUPPLEMENTAL ANNUITIES § 227.3 Reduction for railroad retirement family maximum....

  12. 20 CFR 227.3 - Reduction for railroad retirement family maximum.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 20 Employees' Benefits 1 2014-04-01 2012-04-01 true Reduction for railroad retirement family maximum. 227.3 Section 227.3 Employees' Benefits RAILROAD RETIREMENT BOARD REGULATIONS UNDER THE RAILROAD RETIREMENT ACT COMPUTING SUPPLEMENTAL ANNUITIES § 227.3 Reduction for railroad retirement family maximum....

  13. 20 CFR 227.3 - Reduction for railroad retirement family maximum.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 20 Employees' Benefits 1 2012-04-01 2012-04-01 false Reduction for railroad retirement family maximum. 227.3 Section 227.3 Employees' Benefits RAILROAD RETIREMENT BOARD REGULATIONS UNDER THE RAILROAD RETIREMENT ACT COMPUTING SUPPLEMENTAL ANNUITIES § 227.3 Reduction for railroad retirement family maximum....

  14. 20 CFR 227.3 - Reduction for railroad retirement family maximum.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 20 Employees' Benefits 1 2010-04-01 2010-04-01 false Reduction for railroad retirement family maximum. 227.3 Section 227.3 Employees' Benefits RAILROAD RETIREMENT BOARD REGULATIONS UNDER THE RAILROAD RETIREMENT ACT COMPUTING SUPPLEMENTAL ANNUITIES § 227.3 Reduction for railroad retirement family maximum....

  15. When Husbands Retire: Men View Their Wives' Satisfaction. Findings from the Normative Aging Study.

    ERIC Educational Resources Information Center

    Ekerdt, David J.; And Others

    The marital relationship is a basic context of retirement, where spouses' separate perceptions of retirement, and of each other's views, are an essential part of the retirement experience. To explore this issue, 297 married men who had been retired for 6 years or less, all participants in the Veterans Administration Normative Aging Study, reported…

  16. 5 CFR 831.1205 - Agency-filed disability retirement applications.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Agency-filed disability retirement...) CIVIL SERVICE REGULATIONS (CONTINUED) RETIREMENT Disability Retirement § 831.1205 Agency-filed disability retirement applications. (a) Basis for filing an application for an employee. An agency must...

  17. Heading for Hardship: Retirement Income for American Women in the Next Century. Mother's Day Report 1990.

    ERIC Educational Resources Information Center

    Older Women's League, Washington, DC.

    Millions of women face bleak retirement futures. In 40 years, when today's 25-year-olds retire, fewer women will be retiring married, and therefore fewer will have access to a husband's retirement income. Young women continue to face a future of significantly lower wages. Caregiving responsibilities continue to fall predominantly on women's…

  18. Air Force's First C-17 Flies into Retirement

    NASA Video Gallery

    The U.S. Air Force has retired its first C-17 transport after 21 years as a flight test aircraft and use in joint NASA-USAF propulsion research. NASA research pilot Frank Batteas, who was an Air Fo...

  19. Three streams, one river: a coordinated approach to financing retirement.

    PubMed

    Etheredge, L

    1999-01-01

    A national retirement policy that coordinates Medicare, Social Security, and private pension reforms could make substantial progress in dealing with problems related to the baby-boom generation's retirement. Such a policy should include (1) better-designed work incentives for older persons--for example, a $10,000 "retirement bonus" option, paid by Social Security and Medicare, for each year of delayed retirement; (2) allowing workers without employer-sponsored pensions to use Social Security's payroll contribution system to invest in pension accounts; (3) expansion of private long-term care insurance by allowing pension-plan assets to be used for paying premiums; and (4) placing a higher priority on financing for basic Medicare and Social Security benefits than on taxpayer-financed subsidies of far more generous pension benefits. PMID:9926647

  20. A recursive model of economic well-being in retirement.

    PubMed

    Leon, J

    1985-07-01

    Although investigators have identified some of the social and economic forces that influence levels of economic resources among elderly adults, little has been done to organize these factors into predictive lifespan models of economic well-being. Applying path analysis to data on retiring workers from the Panel Study of Income Dynamics, the present research offers a beginning recursive model. It traces the influences of demographic/family background, human capital, and work-related characteristics on economic position in retirement. Controlling for differences in labor force participation and other human capital measures, race and family background lose their direct significance, whereas sex remains directly significant in predicting economic resource levels for recently retired workers. In addition, the model estimates the direct and indirect effects played by industrial sector location and social class position. In total the structurally based capital attainment model explains 65% of the variance in a measure of economic well-being that includes retirement income and wealth. PMID:4008884

  1. 18 CFR 346.3 - Asset retirement obligations.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... COMMISSION, DEPARTMENT OF ENERGY REGULATIONS UNDER THE INTERSTATE COMMERCE ACT OIL PIPELINE COST-OF-SERVICE... related to asset retirement obligations that would impact the calculation of rate base, such as...

  2. The new world of retirement income security in America.

    PubMed

    Quinn, Joseph F; Cahill, Kevin E

    2016-01-01

    We have entered a new world of retirement income security in America, with older individuals more exposed to market risk and more vulnerable to financial insecurity than prior generations. This reflects an evolution that has altered the historical vision of a financially secure retirement supported by Social Security, a defined-benefit pension plan, and individual savings. Today, 2 of these 3 retirement income sources-pensions and savings-are absent or of modest importance for many older Americans. Retirement income security now often requires earnings from continued work later in life, which exacerbates the economic vulnerability of certain segments of the population, including persons with disabilities, the oldest-old, single women, and individuals with intermittent work histories. Because of the unprecedented aging of our society, further changes to the retirement income landscape are inevitable, but policymakers do have options to help protect the financial stability of older Americans. We can begin by promoting savings at all (especially younger) ages and by removing barriers that discourage work later in life. For individuals already on the cusp of retirement, more needs to be done to educate the public about the value of delaying the receipt of Social Security benefits. Inaction now could mean a return to the days when old age and poverty were closely linked. The negative repercussions of this would extend well beyond traditional economic measures, as physical and mental health outcomes are closely tied to financial security. (PsycINFO Database Record PMID:27159439

  3. The neoliberal political economy and erosion of retirement security.

    PubMed

    Polivka, Larry; Luo, Baozhen

    2015-04-01

    The origins and trajectory of the crisis in the United States retirement security system have slowly become part of the discussion about the social, political, and economic impacts of population aging. Private sources of retirement security have weakened significantly since 1980 as employers have converted defined benefits precisions to defined contribution plans. The Center for Retirement Research (CRR) now estimates that over half of boomer generation retirees will not receive 70-80% of their wages while working. This erosion of the private retirement security system will likely increase reliance on the public system, mainly Social Security and Medicare. These programs, however, have increasingly become the targets of critics who claim that they are not financially sustainable in their current form and must be significantly modified. This article will focus on an analysis of these trends in the erosion of the United States retirement security system and their connection to changes in the United States political economy as neoliberal, promarket ideology, and policies (low taxes, reduced spending, and deregulation) have become dominant in the private and public sectors. The neoliberal priority on reducing labor costs and achieving maximum shareholder value has created an environment inimical to maintain the traditional system of pension and health care benefits in both the private and public sectors. This article explores the implications of these neoliberal trends in the United States economy for the future of retirement security. PMID:26035594

  4. Memoirs of an armchair astronaut (retired)

    NASA Astrophysics Data System (ADS)

    Clarke, Arthur C.

    1993-11-01

    According to my biographer Neil McAleer, who now knows far more about me than I have any wish to, I joined the British Interplanetary Society (BIS) in the summer of 1934, when it was one year old and I was approaching seventeen. Much of the next two years was spent bombarding the Society's patient secretary, Leslie Johnson, with technical queries which he did his best to answer, and which I am sure would make embarrassing reading today. During this period I also made contact with another active BIS member, the science-fiction writer Eric Frank Russell, to whom I owe a great debt of gratitude for early encouragement. I wish I still possessed his amusing and often bawdy letters, written in the most beautiful script I have ever encountered. In 1936, escaping from the uncharted wilds of rural Somerset to the genteel environs of Whitehall (literally - my office was next door to Downing Street) I made contact with the London members of the BIS, as well as the local s.f. fans. There was a 90% overlap between the two groups, and until the outbreak of war rocketry and science fiction dominated my life, with H.M. Civil Service a very poor third. A quarter of a century later, I looked back on those days in an essay which appeared in Holiday Magazine (May, 1963) and which has since been reprinted in Voices from the Sky (1965), Astounding Days (1989) and By Space Possessed (1993). Any attempt to update it would now be both impossible and absurd: it preserves the spirit of the early Space Age like a fly in amber. Here, exactly as originally published, are 'Memoirs of an Armchair Astronaut (Retired)'.

  5. Instructor Guide for Federal Income Tax Implications of Civil Service Retirement. A Unit for Federal Employee Pre-retirement Counseling Seminar.

    ERIC Educational Resources Information Center

    Civil Service Commission, Washington, DC. Bureau of Training.

    Designed to cover the general information essential to all annuitants regarding the Federal Income Tax implications of Civil Service retirement, this guide is for the use of the Civil Service Commission in training agency retirement counselors and as an instructor's guide or instructor's reference by retirement counselors in conducting…

  6. Time to burn (calories)? The impact of retirement on physical activity among mature Americans.

    PubMed

    Kämpfen, Fabrice; Maurer, Jürgen

    2016-01-01

    Physical activity is crucial for maintaining and improving health, especially at advanced ages. While retirement increases the amount of time available for physical activity, there is only limited evidence regarding the causal effect of retirement on recommended levels of physical activity. Addressing this gap in the literature, we use data from the U.S. Health and Retirement Study to estimate the causal impact of retirement on meeting the federal government's 2008 Physical Activity Guidelines for Americans. Using official early and normal retirement ages as instruments for retirement, our causal IV analyses suggest significant positive effects of retirement on meeting the Guidelines. These effects are robust with regard to the treatment of unobserved individual-specific heterogeneity, the measurement of guideline compliance, the definition of retirement and respondents' health insurance status. We also show that the effects of retirement on physical activity are larger for persons with higher levels of education and wealth. PMID:26773282

  7. 20 CFR 255.12 - When recovery is contrary to the purpose of the Railroad Retirement Act.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... the Railroad Retirement Act. 255.12 Section 255.12 Employees' Benefits RAILROAD RETIREMENT BOARD REGULATIONS UNDER THE RAILROAD RETIREMENT ACT RECOVERY OF OVERPAYMENTS § 255.12 When recovery is contrary to the purpose of the Railroad Retirement Act. (a) The purpose of the Railroad Retirement Act is to...

  8. Musculoskeletal Health, Kidney and Liver Function in Retired Jockeys.

    PubMed

    Cullen, S; Donohoe, A; McGoldrick, A; McCaffrey, N; Davenport, C; Byrne, B; Donaghy, C; Tormey, W; Smith, D; Warrington, G

    2015-11-01

    The long-term implications of making-weight daily on musculoskeletal health and functioning of the kidney and liver remain unknown. This study aimed to investigate musculoskeletal health and kidney and liver function in a group of retired jockeys. 28 retired male jockeys (age 50-70 years) provided fasting blood samples for markers of bone metabolism and kidney and liver function. A dual-energy x-ray absorptiometry (DXA) scan was performed for the assessment of bone mineral density (BMD). Established reference ranges were used for interpretation of results. Comparisons were made between retired jockeys based on the professional racing licence held: Flat, National Hunt or Dual. Mean whole-body osteopenia was reported, with no differences between groups. Bone markers, micronutrients, electrolytes and associated hormones, and markers for kidney and liver function were within clinical normative ranges. No differences existed between groups. Results indicate the retired jockeys in this study do not demonstrate compromised bone health or kidney and liver function. However, the retired jockeys may not have undergone chronic weight cycling in the extreme manner evident in present-day jockeys, indicating the next generation of jockeys may face more of a problem. Jockeys should be tracked longitudinally throughout their racing career and beyond. PMID:26212243

  9. Work Hours, Retirement and Supportive Relations among Older Adults

    PubMed Central

    Nahum-Shani, Inbal

    2010-01-01

    While the literature widely acknowledges the importance of social support to the health, well-being and performance of older adults, little is known about the way in which occupational conditions affect older employees’ access to social support over time and whether these effects are maintained after retirement. Accordingly, in the current study we examine the degree to which work hours have longer term effects on the amount and type of support older individuals receive from intimate coworkers, family and non-work friends, and whether these effects are attenuated or intensified for those who retire. Longitudinal data were collected from a random sample of members of nine unions, 6 months prior to their retirement eligibility (T1) and approximately one year after Time 1 (T2). Our findings indicate that while retirement attenuates the positive association between Time 1 work hours and subsequent coworkers' support as well as the negative relationship between Time 1 work hours and subsequent non-work friends support, retirement fails to attenuate the negative effect of Time 1 work hours on subsequent family support. Policy implications are discussed. PMID:20485475

  10. Mortality in retired coke oven plant workers.

    PubMed Central

    Chau, N; Bertrand, J P; Mur, J M; Figueredo, A; Patris, A; Moulin, J J; Pham, Q T

    1993-01-01

    A previous study on 536 retired coke oven plant workers in Lorraine Collieries (France) reported an excess of deaths from lung cancer (standardised mortality ratio (SMR) = 251) compared with the French male population. Occupational exposures during working life were retraced for each subject, but the number of deaths during the observation period (1963-82) was small, and smoking habits were known only for dead subjects. In 1988, the cohort was re-examined (182 deaths occurred between 1963 and 1987) and smoking habits were determined for all the subjects. This study confirmed the excess of lung cancer (SMR = 238, p < 0.001). It showed an excess of mortality from all causes (SMR = 141, p < 0.001), overall cancers (SMR = 133, p < 0.05), and cardiovascular diseases (SMR = 133, p < 0.05). A significant excess of deaths was found for subjects who worked near the ovens for all causes (145, p < 0.01), lung cancer (SMR = 252, p < 0.01), colon cancer (SMR = 381, p < 0.05), and cardiovascular diseases (SMR = 155, p < 0.05). A significant excess mortality was also found from all causes (176, p < 0.05) and stomach cancer (SMR = 538, p < 0.01) in subjects who worked in byproducts, from lung cancer (SMR = 433, p < 0.001) in those in the workshops, and from cirrhosis of the liver and alcoholism (SMR = 360, p < 0.01) in those underground; but, due to small numbers, these figures were not robust. An excess of mortality from all causes (SMR = 163, p<001), lung cancer (SMR = 228, p<0.05) and cardiovascular diseases (SMR = 179, p<0.01) was shown also for non-exposed or slightly exposed subjects. The fact that, on the whole, mortality of various exposed groups was similar to that of non-exposed or slightly exposed workers may be explained in part by the selection at hiring and the healthy worker effect. As an increased risk of lung cancer was noted among subjects who worked in the old generations of plant compared with the other workers (although the relative risk was not significant

  11. To stop or not to stop: an empirical assessment of the determinants of early retirement among active and retired senior teachers.

    PubMed

    Van Droogenbroeck, Filip; Spruyt, Bram

    2014-11-01

    While the official retirement age for most Organization for Economic Co-operation and Development (OECD) countries is 65 years, the average employee in the majority of OECD countries retires considerably earlier. With the coming retirement of the baby boom generation, increasing life expectancy, and budget restrictions due to the financial crisis, most countries want to motivate employees to work longer. For these reasons, studying early retirement is highly relevant. In this article, we examine the determinants of early retirement among working and retired senior teachers between 45 and 65 years old in Flanders, Belgium. Although a widespread early exit culture exists among teachers and teacher shortages are expected in several countries, little attention has been given to the specific determinants of early retirement among teachers. Using multivariate linear regression analysis, we study the preferred retirement age of working teachers (n = 1,878) and the actual retirement age of retired teachers (n = 1,246). Financial factors, feelings of emotional exhaustion, and dissatisfaction with nonteaching-related workload (such as meetings and paperwork) have an important influence on the retirement decision. Results show that the majority of teachers make use of early exit schemes. This illustrates the existence of a widespread early exit culture among senior teachers in Flanders. PMID:25651547

  12. Plan now to make your retirement active, productive.

    PubMed

    Schlepp, S

    1989-12-01

    In his book Planning to the Years Ahead, Lester I. Tenney, PhD, professor emeritus at Arizona State University, Tempe, links Abraham Maslow's hierarchy of needs to retirement planning. According to Maslow, economic and security needs can be achieved through a family environment (eg, food clothing, shelter), and social acceptance, self-worth, and self-satisfaction can be achieved from social interaction, work, or leisure activities. After the basic needs of food, clothing, and shelter have been achieved, people are able to move to the next level of achieving safety and security. The level of dependency that people have on satisfying these needs through work will determine how well they are at adapting to retirement. The more people depend on work alone, the harder will be the adjustment; people who are less dependent on work will find retirement easier to accept. PMID:2619297

  13. Masculinities, work, and retirement among older men who experience depression.

    PubMed

    Oliffe, John L; Rasmussen, Brian; Bottorff, Joan L; Kelly, Mary T; Galdas, Paul M; Phinney, Alison; Ogrodniczuk, John S

    2013-12-01

    The high incidence of depression among older men has been linked to numerous factors. In this qualitative descriptive study of 30 older, Canadian-based men who experienced depression, we explored the connections between participants' depression, masculinities, work, and retirement. Our analyses revealed three thematic findings. The recursive relationship between depression and work was reflected in depression impeding and emerging from paid work, whereby men's careers and work achievements were negatively impacted by depression amid assertions that unfulfilling work could also invoke depression. Lost or unrealized empires highlighted the centrality of wealth accumulation and negative impact of many participants' unfulfilled paid work aspirations. Retirement as loss and the therapeutic value of work reflected how masculine ideals influenced men to continue working to avoid the losses they associated with retirement. The findings confirm the need to support men's work-related transitions by affirming a diversity of masculine identities beyond traditional workman/breadwinner roles. PMID:24177678

  14. Introduction to Special Issue: The Retirement Career Phase across Cultures

    PubMed Central

    Lytle, Megan C.

    2015-01-01

    Increasingly, older workers in the United States remain in the workforce beyond retirement age, meaning the term “retirement” might include at least some form of workforce participation. Although the proportions of women and individuals from racial and ethnic minority groups working past the age of 65 has significantly increased (Wegman & McGee, 2004); few scholars have examined the retirement career phase from a multicultural perspective. This special issue will critically review vocational literature as well as provide specific recommendations for research and practice with the aim of helping scholars and practitioners conceptualize the current concerns older adults across cultures (e.g., women and racial/ethnic minorities, among others) face during retirement planning. PMID:26101454

  15. How did the Elimination of the Earnings Test above the Normal Retirement Age affect Retirement Expectations?1

    PubMed Central

    Michaud, Pierre-Carl

    2010-01-01

    We look at the effect of the 2000 repeal of the earnings test above the normal retirement age on retirement expectations of workers in the Health and Retirement Study, aged 51 to 61 in 1992. For men, we find that those whose marginal wage rate increased when the earnings test was repealed, had the largest increase in the probability to work full-time past normal retirement age. We do not find significant evidence of effects of the repeal of the earnings test on the probability to work past age 62 or the expected claiming age. On the other hand, for those reaching the normal retirement age, deviations between the age at which Social Security benefits are actually claimed and the previously reported expected age are more negative in 2000 than in 1998. Since our calculations show that the tax introduced by the earnings test was small when accounting for actuarial benefit adjustments and differential mortality, our results suggest that although male workers form expectations in a way consistent with forward-looking behavior, they misperceive the complicated rules of the earnings test. Results for females suggest similar patterns but estimates are imprecise. PMID:21037938

  16. Projection of retirement adequacy using wealth-need ratio: A case study in Malaysia

    NASA Astrophysics Data System (ADS)

    Alaudin, Ros Idayuwati; Ismail, Noriszura; Isa, Zaidi

    2015-02-01

    Adequacy of retirement income is very important to maintain a comfortable living standard during retirement. Under a life cycle model, assets are mainly accumulated during an individual's work life to finance consumption after retirement. A generally accepted goal of retirement planning is to provide enough income during retirement to prevent the level of living from dropping much below the pre-retirement level. Retirement wealth can be defined as adequate if the total retirement income is equal or greater than the desired total retirement consumption (or needs). In this study, retirement adequacy is projected using the Malaysian Household Income Survey (HIS) 2009 data which is based on 5881 sample of households and contains information on income, demographic and socioeconomic status of each household. Besides the projection of retirement adequacy, a regression of the ratio of projected wealth to needs (or wealth-needs ratio) is performed to investigate the demographic and socioeconomic determinants of retirement adequacy in Malaysia. The results show that 69% of households in Malaysia are adequately prepared for retirement.

  17. Health experiences of Korean immigrant women in retirement.

    PubMed

    Choi, Jaeyoung; Kushner, Kaysi E; Mill, Judy; Lai, Daniel W L

    2014-01-01

    In this focused ethnographic study, we explored the health experiences of 15 Korean immigrant women after retirement in an urban center in Western Canada. Almost all women began their lives in Canada without adequate personal finances, making their employment essential for supporting their families financially. Most women lived with more than two chronic diseases, attributed to long hours and difficult work conditions. They experienced improved psychological health after retiring, irrespective of positive or negative changes in their physical health. Spiritual faith and exercise were important strategies to maintain and enhance their health and to postpone and manage chronic diseases. PMID:25186924

  18. 5 CFR 831.616 - Elections by previously retired retiree with new title to an annuity.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) RETIREMENT Survivor Annuities Elections at the... restored to earning capacity is subject to §§ 831.611 through 622 at the time that he or she retires...

  19. The $500,000 Quest. Common-Sense Retirement Planning for Educators.

    ERIC Educational Resources Information Center

    Phillips, Ione D.

    1997-01-01

    Discusses the need for retirement planning and offers suggestions for building a nest egg. Suggests that pensions are not sufficient and that other investments are crucial to ensure a comfortable retirement. Includes resources and a plan for saving. (JOW)

  20. 78 FR 4393 - Applications for New Awards; Minorities and Retirement Security Program

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-01-22

    ... SOCIAL SECURITY ADMINISTRATION Applications for New Awards; Minorities and Retirement Security Program... Policy, Social Security Administration. ACTION: Notice. Overview Information: Minorities and Retirement... Education (ED or the Department) and the United States Social Security Administration (SSA). The MRS...

  1. Vocational Behavior of the Japanese in Late Adulthood: Focusing on Those in the Retirement Process.

    ERIC Educational Resources Information Center

    Watanabe-Muraoka, A. Mieko; Kawasaki, Tomotsugu; Sato, Shin'ichi

    1998-01-01

    Having experienced traditional Japanese employment system, older Japanese adults are affected by workplace and socioeconomic changes. Two recent surveys of workers nearing retirement showed high work salience and considerable anxiety about retirement. (SK)

  2. Perceived Agency in Retirement and Retiree Drinking Behavior: Job Satisfaction as a Moderator

    PubMed Central

    BACHARACH, SAMUEL; BAMBERGER, PETER; HOROWITZ-ROZEN, MICKEY

    2008-01-01

    Based on recent findings that post-retirement adjustment may be influenced by the conditions leading up to the decision to retire, we examine the impact of individual agency in the retirement decision on problematic drinking behavior, as well as the extent to which such an effect may itself depend upon the valence of the pre-retirement work experience. Using a sample of 304 blue-collar retirees, our findings indicate that, when controlling for pre-retirement drinking behavior, perceptions of retirement as the result of a more forced or involuntary decision are associated with greater alcohol consumption, while perceptions of retirement as the result of a more volitional or voluntary process are associated with lower levels of alcohol consumption and a lower risk of problematic drinking behavior. Our results also indicate that pre-retirement job satisfaction amplifies the former relationship, while attenuating the latter one. PMID:19956364

  3. 49 CFR 1242.42 - Administration, repair and maintenance, machinery repair, equipment damaged, dismantling retired...

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 49 Transportation 9 2010-10-01 2010-10-01 false Administration, repair and maintenance, machinery repair, equipment damaged, dismantling retired property, fringe benefits, other casualties and insurance... maintenance, machinery repair, equipment damaged, dismantling retired property, fringe benefits,...

  4. [Consensual and conflictual early retirement--flexible transition to retirement within the context of different labor force strategies].

    PubMed

    Teipen, C; Zierep, E

    1996-01-01

    20 case studies were carried out in different firms in East and West Germany to analyze the process of decision-making in early retirement. The results show the embeddedness of decision making into the respective labour force strategies of the firms. In companies with "internal labour force strategies" there is a consensus-oriented process of decision-making based on negotiations of the participants. In companies that mainly employ skilled workers, however, the process of decision-making is rather conflict-oriented. So, there is evidence that companies' policies on early retirement are two-edged. The consequences of these findings are discussed. PMID:9026339

  5. Enhancing Precision in the Prediction of Voluntary Turnover and Retirement

    ERIC Educational Resources Information Center

    Smith, Daryl R.; Holtom, Brooks C.; Mitchell, Terence R.

    2011-01-01

    The present research examines the differential validity of the facets of organizational commitment and job embeddedness to predict who will reenlist or retire from a branch of the armed services. We tested hypotheses with survey data from 1839 enlisted personnel in the U.S. Air Force. For personnel facing the decision to reenlist or separate,…

  6. Work and Retirement: Options for Continued Employment of Older Workers.

    ERIC Educational Resources Information Center

    Vavrichek, Bruce

    A study analyzed the changing nature of older persons in the labor force, factors that may affect their work decisions, and policy changes that could facilitate their continuation or reentry into the work force beyond the normal retirement age. Data examined during the survey indicate that while the number of people aged 65 and older is continuing…

  7. 25 CFR 273.35 - Capital outlay or debt retirement.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 25 Indians 1 2010-04-01 2010-04-01 false Capital outlay or debt retirement. 273.35 Section 273.35 Indians BUREAU OF INDIAN AFFAIRS, DEPARTMENT OF THE INTERIOR INDIAN SELF-DETERMINATION AND EDUCATION ASSISTANCE ACT PROGRAM EDUCATION CONTRACTS UNDER JOHNSON-O'MALLEY ACT Funding Provisions § 273.35...

  8. 75 FR 65595 - Retired and Senior Volunteer Program Amendments

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-10-26

    .... SUMMARY: This proposed rule sets forth a competitive process for selecting grant recipients for the... DVSA by requiring the Corporation to develop a competitive process for selecting grant recipients for... Serve America Act establishing the competitive grantmaking process for the Retired and Senior...

  9. 76 FR 20243 - Retired and Senior Volunteer Program Amendments

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-04-12

    ...The Corporation for National and Community Service (Corporation) is issuing a final rule that sets forth a competitive process for selecting grant recipients for the Retired and Service Volunteer Program (RSVP), including performance measurement requirements, as required by the Domestic Volunteer Service Act (DVSA), as amended by the Edward M. Kennedy Serve America Act (Serve America Act)......

  10. Incorporating Employee Heterogeneity into Default Rules for Retirement Plan Selection

    ERIC Educational Resources Information Center

    Goda, Gopi Shah; Manchester, Colleen Flaherty

    2013-01-01

    We study the effect of incorporating heterogeneity into default rules by examining the choice between retirement plans at a firm that transitioned from a defined benefit (DB) to a defined contribution (DC) plan. The default plan for existing employees varied discontinuously depending on their age. Employing regression discontinuity techniques,…

  11. Creative Retirement: Survey of Older Adults' Educational Interests and Motivations

    ERIC Educational Resources Information Center

    Sloane-Seale, Atlanta; Kops, Bill

    2004-01-01

    The University of Manitoba's Continuing Education Division (CED) and Creative Retirement Manitoba (CRM) formed a partnership to promote applied research on lifelong learning and older adults, to develop new and to complement existing educational activities, and to explore new program models and instructional methods to meet the educational needs…

  12. Employment, Social Networks, and Health in the Retirement Years.

    ERIC Educational Resources Information Center

    Mor-Barak, Michal E.; And Others

    1992-01-01

    Examined impact of employment on health of retirees (n=175). Results indicated that employment in retirement years was related to larger social networks and indirectly to better perceived health. Of three social network factors identified (family, friends, confidants), employment was significantly related only to friendship component. (Author/NB)

  13. 42 CFR 31.16 - Retired personnel; extent of treatment.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 42 Public Health 1 2010-10-01 2010-10-01 false Retired personnel; extent of treatment. 31.16 Section 31.16 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES MEDICAL CARE AND EXAMINATIONS MEDICAL CARE FOR CERTAIN PERSONNEL OF THE COAST GUARD, NATIONAL OCEAN SURVEY,...

  14. 42 CFR 31.8 - Retired personnel; extent of treatment.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... EXAMINATIONS MEDICAL CARE FOR CERTAIN PERSONNEL OF THE COAST GUARD, NATIONAL OCEAN SURVEY, PUBLIC HEALTH... Guard, National Ocean Survey, or Public Health Service specified in § 31.2 shall be entitled to medical... 42 Public Health 1 2010-10-01 2010-10-01 false Retired personnel; extent of treatment....

  15. Pre-Retirement Planning: A Necessary Dress Rehearsal.

    ERIC Educational Resources Information Center

    Newman, Mary Elizabeth

    Studies seem to indicate that preparation for retirement is the key to its success. Planning includes these basic ingredients: (1) maintaining regular health habits; (2) role flexibility--the retiree needs a healthy self image not bound to the self-as-worker; (3) activity that is constructive and personally meaningful; and (4) continuance of…

  16. 5 CFR 1653.2 - Qualifying retirement benefits court orders.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... ORDERS AND LEGAL PROCESSES AFFECTING THRIFT SAVINGS PLAN ACCOUNTS Retirement Benefits Court Orders § 1653... or conflicting language used elsewhere could cause the order to be rejected. Example (1). ORDERED: is... account of as of . Note: The following optional language can be used in conjunction with any of the...

  17. Perceptions of Sport Retirement by Current Student-Athletes

    ERIC Educational Resources Information Center

    Leffler, Brandy Sue

    2012-01-01

    This study focused on the problem of college student-athletes retiring from their sports unprepared for life outside of sanctioned athletics. The purpose was to identify if a current student-athlete believes he/she is prepared for a career life after competitive college athletics and who the student-athlete feels should provide guidance into the…

  18. An Experimental Comparison of Retirement Planning Intervention Seminars.

    ERIC Educational Resources Information Center

    Hershey, Douglas A.; Mowen, John C.; Jacobs-Lawson, Joy M.

    2003-01-01

    After 1 year, the efficacy of three retirement seminars (financial planning information, n=30; financial goal-setting, n=25; combined information and goal-setting, n=25) was measured. Compared to those of 26 controls, goal clarity, planning, and savings practices of seminar participants were most changed. Strongest impact was on those in combined…

  19. Social Interaction and Alcohol Use in Retirement Communities.

    ERIC Educational Resources Information Center

    Alexander, Francesca; Duff, Robert W.

    1988-01-01

    Surveyed 260 residents of three retirement communities. Found regular drinking more common in these communities than in general population of older adults. Drinking was associated with social activity rather than with isolation or stresses of aging. Concluded that drinking was integral part of communities' leisure subculture and that social and…

  20. Nancy Colburn Retires after 36 Years, Becomes Scientist Emeritus | Poster

    Cancer.gov

    By Ashley DeVine, Staff Writer Although Nancy Colburn, Ph.D., retired in January after 36 years at NCI, she won’t be disappearing from the NCI campus at Frederick anytime soon; she’s been appointed scientist emeritus in the Laboratory of Cancer Prevention (LCP), Center for Cancer Research (CCR).

  1. When University Faculty Retire: A Study of the Transition Process.

    ERIC Educational Resources Information Center

    Pappas, John G.; Goodman, Jane

    This study examined the retirement transitions of college faculty based on the Schlossberg (1984) model, which suggests that successful coping depends on an evaluation of the retiree's unique situation, the qualities of the individual, the support available, and the strategies employed. A total of 55 emeritus faculty from the College of Education…

  2. Asset retirement obligations: a reporting concern for healthcare facilities.

    PubMed

    Berg, Gary G; Bayes, Paul E; Morgan, Robert G

    2008-11-01

    FASB statements and SEC guidelines give direction as to how healthcare organizations should account for their asset retirement obligations (AROs) where environmental issues are concerned. A key consideration is that current costs associated with environmental problems, such as encapsulating asbestos, are to be accounted for as part of an asset's cost and depreciated over the asset's remaining life. PMID:18990844

  3. 18 CFR 367.22 - Accounting for asset retirement obligations.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... that result from the passage of time due to the accretion of the liability and any subsequent... retirement obligations (§ 367.2300), as follows: (1) The service company must record the accretion of the liability by debiting account 411.10, Accretion expense (§ 367.4118); and (2) The service company...

  4. 77 FR 3172 - Compensation, Retirement Programs, and Related Benefits

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-01-23

    ...The Farm Credit Administration (FCA, us, we, or our) proposes to amend our regulations related to Farm Credit System (System) bank and association disclosures to shareholders and investors. The proposed rule would require reporting of supplemental retirement plans, a discussion of the link between senior officer compensation and performance, and timely and transparent reporting to shareholders......

  5. 25 CFR 273.35 - Capital outlay or debt retirement.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 25 Indians 1 2011-04-01 2011-04-01 false Capital outlay or debt retirement. 273.35 Section 273.35 Indians BUREAU OF INDIAN AFFAIRS, DEPARTMENT OF THE INTERIOR INDIAN SELF-DETERMINATION AND EDUCATION ASSISTANCE ACT PROGRAM EDUCATION CONTRACTS UNDER JOHNSON-O'MALLEY ACT Funding Provisions § 273.35...

  6. 5 CFR 831.503 - Retirement based on involuntary separation.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... separation. 831.503 Section 831.503 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL... involuntary separation. (a) General. An employee who would otherwise be eligible for retirement based on involuntary separation from the service is not entitled to an annuity under section 8336(d)(1) of title...

  7. 5 CFR 831.503 - Retirement based on involuntary separation.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... separation. 831.503 Section 831.503 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL... involuntary separation. (a) General. An employee who would otherwise be eligible for retirement based on involuntary separation from the service is not entitled to an annuity under section 8336(d)(1) of title...

  8. 5 CFR 831.503 - Retirement based on involuntary separation.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... separation. 831.503 Section 831.503 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL... involuntary separation. (a) General. An employee who would otherwise be eligible for retirement based on involuntary separation from the service is not entitled to an annuity under section 8336(d)(1) of title...

  9. 5 CFR 831.503 - Retirement based on involuntary separation.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... separation. 831.503 Section 831.503 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL... involuntary separation. (a) General. An employee who would otherwise be eligible for retirement based on involuntary separation from the service is not entitled to an annuity under section 8336(d)(1) of title...

  10. 5 CFR 831.503 - Retirement based on involuntary separation.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... separation. 831.503 Section 831.503 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL... involuntary separation. (a) General. An employee who would otherwise be eligible for retirement based on involuntary separation from the service is not entitled to an annuity under section 8336(d)(1) of title...

  11. 26 CFR 1.405-3 - Taxation of retirement bonds.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... face amounts and the lesser of: (A)1 One-half the aggregate of their face amounts, or (B) The aggregate... individual which is redeemed after his death is the amount determined by multiplying the face amount of such retirement bond by a fraction— (A) The numerator of which is the aggregate of the face amounts of all...

  12. Probing the Future of Mandatory Retirement in Canada

    ERIC Educational Resources Information Center

    Ibbott, Peter; Kerr, Don; Beaujot, Roderic

    2006-01-01

    The future of mandatory retirement is at least partly driven by changing demographics. In Canada, these demographics include slowing population growth, rapid aging, declining rates of labour force participation, and slowing labour force growth. After reviewing the demographic trends and considering alternate scenarios in labour force…

  13. Factors Affecting Retirement Attitude among Elementary School Teachers

    ERIC Educational Resources Information Center

    Hsu, Wan-Chen; Chiang, Chia-Hsun; Chuang, Hsueh-Hua

    2015-01-01

    This study investigated the relationships of teacher efficacy, perceived organizational control, and the teacher-student age gap with teachers' retirement attitudes. Stratified random sampling was adopted to collect survey responses. A total of 498 valid surveys from 33 elementary schools were collected. Correlational analyses revealed significant…

  14. The Impact of Uncapping of Mandatory Retirement on Postsecondary Institutions

    ERIC Educational Resources Information Center

    Weinberg, Sharon L.; Scott, Marc A.

    2013-01-01

    The Federal Age Discrimination in Employment Act passed by Congress in 1986 eliminated mandatory age-related retirement at age 70. Initially, all postsecondary institutions were exempt from the Act. Based on a report by the National Research Council (NRC), which forecast only a minimal impact of this Act on higher education, the federal government…

  15. 75 FR 81543 - Additional Rules Regarding Hybrid Retirement Plans; Correction

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-12-28

    ...) that was published in the Federal Register on Tuesday, October 19, 2010 (75 FR 64197) providing... publication of the notice of proposed rulemaking (REG-132554-08), which was the subject of FR Doc. 2010-25942... Internal Revenue Service 26 CFR Part 1 RIN 1545-BI16 Additional Rules Regarding Hybrid Retirement...

  16. Baby Boomers in an Active Adult Retirement Community: Comity Interrupted

    ERIC Educational Resources Information Center

    Roth, Erin G.; Keimig, Lynn; Rubinstein, Robert L.; Morgan, Leslie; Eckert, J. Kevin; Goldman, Susan; Peeples, Amanda D.

    2012-01-01

    Purpose of the Study: This article explores a clash between incoming Baby Boomers and older residents in an active adult retirement community (AARC). We examine issues of social identity and attitudes as these groups encounter each other. Design and Methods: Data are drawn from a multiyear ethnographic study of social relations in senior housing.…

  17. Teaching Time Value of Money Using an Excel Retirement Model

    ERIC Educational Resources Information Center

    Arellano, Fernando; Mulig, Liz; Rhame, Susan

    2012-01-01

    The time value of money (TVM) is required knowledge for all business students. It is traditionally taught in finance and accounting classes for use in various applications in the business curriculum. These concepts are also very useful in real life situations such as calculating the amount to save for retirement. This paper details a retirement…

  18. 18 CFR 367.2300 - Account 230, Asset retirement obligations.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... retirement obligations. 367.2300 Section 367.2300 Conservation of Power and Water Resources FEDERAL ENERGY REGULATORY COMMISSION, DEPARTMENT OF ENERGY REGULATIONS UNDER THE PUBLIC UTILITY HOLDING COMPANY ACT OF 2005... GAS ACT Balance Sheet Chart of Accounts Other Noncurrent Liabilities § 367.2300 Account 230,...

  19. 18 CFR 367.2300 - Account 230, Asset retirement obligations.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... retirement obligations. 367.2300 Section 367.2300 Conservation of Power and Water Resources FEDERAL ENERGY REGULATORY COMMISSION, DEPARTMENT OF ENERGY REGULATIONS UNDER THE PUBLIC UTILITY HOLDING COMPANY ACT OF 2005... GAS ACT Balance Sheet Chart of Accounts Other Noncurrent Liabilities § 367.2300 Account 230,...

  20. 18 CFR 367.2300 - Account 230, Asset retirement obligations.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... retirement obligations. 367.2300 Section 367.2300 Conservation of Power and Water Resources FEDERAL ENERGY REGULATORY COMMISSION, DEPARTMENT OF ENERGY REGULATIONS UNDER THE PUBLIC UTILITY HOLDING COMPANY ACT OF 2005... GAS ACT Balance Sheet Chart of Accounts Other Noncurrent Liabilities § 367.2300 Account 230,...

  1. 5 CFR 352.404 - Retirement and insurance.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 5 Administrative Personnel 1 2011-01-01 2011-01-01 false Retirement and insurance. 352.404 Section 352.404 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT CIVIL SERVICE REGULATIONS REEMPLOYMENT RIGHTS Employment of Presidential Appointees and Elected Officers by the International Atomic...

  2. 5 CFR 352.404 - Retirement and insurance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 5 Administrative Personnel 1 2010-01-01 2010-01-01 false Retirement and insurance. 352.404 Section 352.404 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT CIVIL SERVICE REGULATIONS REEMPLOYMENT RIGHTS Employment of Presidential Appointees and Elected Officers by the International Atomic...

  3. 18 CFR 367.59 - Additions and retirements of property.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 18 Conservation of Power and Water Resources 1 2010-04-01 2010-04-01 false Additions and retirements of property. 367.59 Section 367.59 Conservation of Power and Water Resources FEDERAL ENERGY REGULATORY COMMISSION, DEPARTMENT OF ENERGY REGULATIONS UNDER THE PUBLIC UTILITY HOLDING COMPANY ACT OF 2005, FEDERAL POWER ACT AND NATURAL GAS ACT...

  4. Teacher Retirement Ponzi Schemes. Conference Paper 2009-02

    ERIC Educational Resources Information Center

    Kotlikoff, Laurence J.

    2009-01-01

    This paper is about the funding status of teachers' retirement pension schemes. Its goal is to relate the accounting for the funding of these pension obligations to the endemic, systematic, and fundamentally fraudulent system of accounting our country uses to assess the financial positions of federal, state, and local government as well as many…

  5. Another Challenge. Age 70 Retirement in Higher Education.

    ERIC Educational Resources Information Center

    Jenny, Hans H.; And Others

    Changes in higher education employee benefit plans brought about by the extension of the mandatory retirement age to 70 are the focus of the monograph. Chapter one summarizes the volume and presents some major recommendations that institutions may find helpful in benefit and personnel planning. Chapter two sketches the meaning of the new law (1978…

  6. Retirement In-Migration Study: Attractive Features, Economic & Social Impacts.

    ERIC Educational Resources Information Center

    Miller, Wayne; And Others

    This study helps local leaders to identify attractions that entice people to relocate upon retirement, and to estimate the potential economic and social impact of in-migrating retirees. A group of 249 retirees from communities in Arkansas, Oklahoma, and eastern Texas completed questionnaires between June 1992 and February 1993. Although income and…

  7. Emotional Problems in Retirement and What Can Be Done.

    ERIC Educational Resources Information Center

    Bradford, Leland P.

    1979-01-01

    Gives recommendations for both long-range preparation and last-minute preretirement planning. Methods are being developed that can alert those facing retirement to the emotional difficulties they may face and help them plan ways of coping with problems. Difficulties include sense of belonging, socialization problems, achievement problems and…

  8. The Quality of Life of Retired Reengaged Academics in Nigeria

    ERIC Educational Resources Information Center

    Ejechi, Eucharia Onyema

    2012-01-01

    The quality of life (QL) of retired academics reengaged in some Nigerian Universities was studied using physical health, subjective happiness, life satisfaction and psychological well-being domains and a measure based on control, autonomy, self-realization and pleasure (CASP) as indicators. Satisfactory QL was indicated all respondents (greater…

  9. 18 CFR 367.2300 - Account 230, Asset retirement obligations.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 18 Conservation of Power and Water Resources 1 2011-04-01 2011-04-01 false Account 230, Asset... GAS ACT Balance Sheet Chart of Accounts Other Noncurrent Liabilities § 367.2300 Account 230, Asset retirement obligations. (a) This account must include the amount of liabilities for the recognition of...

  10. 18 CFR 367.2300 - Account 230, Asset retirement obligations.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 18 Conservation of Power and Water Resources 1 2010-04-01 2010-04-01 false Account 230, Asset... GAS ACT Balance Sheet Chart of Accounts Other Noncurrent Liabilities § 367.2300 Account 230, Asset retirement obligations. (a) This account must include the amount of liabilities for the recognition of...

  11. Passing the Torch: Retired Teachers as Mentors for New Teachers.

    ERIC Educational Resources Information Center

    Gold, Milton J.; Pepin, Bernadette

    Using retired teachers as mentors for beginning teachers in New York City has made real differences in the lives of the new teachers, their mentors, the students, and the supervisors in approximately 100 schools. In these schools more than 100 mentors have worked with 500 teachers over a three-year period. The New York City Mentor/New Teacher…

  12. Colleges and Employees Explore Ways to Provide for Healthy Retirements

    ERIC Educational Resources Information Center

    Dotinga, Randy

    2008-01-01

    Faculty members and administrators should not assume that their colleges will pick up their medical bills during their retirement. Medicare benefits are not guaranteed that they will remain the same. Experts believe that the Medicare trust fund that pays for retiree hospital care will go bankrupt by 2019. As such, insurance experts are now urging…

  13. Training. Teach Employees to Approach Retirement as a New Career.

    ERIC Educational Resources Information Center

    Comrie, Sandra M.

    1985-01-01

    Describes a corporate retirement education program that involves seven two-hour sessions covering the following topics: adjustments needed to adapt to an unstructured life-style, problems facing single retirees, housing, part-time employment, health, leisure activities, and financial considerations. The article also examines relocation and retiree…

  14. Will the Retiring Baby Boomers Return to Rural Periphery?

    ERIC Educational Resources Information Center

    Jauhiainen, Jussi S.

    2009-01-01

    Many belonging to large post-war age cohorts in the western countries moved from rural areas to larger industrializing cities. They retire soon and can consider moving back to the childhood places. This article studies these baby boomers and the issues about their return to peripheral rural areas. The case regards one rural municipality,…

  15. Considering Jumping Ship? A Pirate Looks at Retirement

    ERIC Educational Resources Information Center

    Kilpatrick, Bob G.

    2011-01-01

    If you're like me, a "senior" faculty member at a public state university facing significant budget cuts, recently you've probably thought about leaving your current position for another faculty position in a different state. A possible reason for considering jumping ship is envisioning a clearer picture of your retirement as it nears on…

  16. 41 CFR 109-1.5111 - Retirement of property.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 41 Public Contracts and Property Management 3 2013-07-01 2013-07-01 false Retirement of property. 109-1.5111 Section 109-1.5111 Public Contracts and Property Management Federal Property Management Regulations System (Continued) DEPARTMENT OF ENERGY PROPERTY MANAGEMENT REGULATIONS GENERAL 1-INTRODUCTION...

  17. 41 CFR 109-1.5111 - Retirement of property.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 41 Public Contracts and Property Management 3 2012-01-01 2012-01-01 false Retirement of property. 109-1.5111 Section 109-1.5111 Public Contracts and Property Management Federal Property Management Regulations System (Continued) DEPARTMENT OF ENERGY PROPERTY MANAGEMENT REGULATIONS GENERAL 1-INTRODUCTION...

  18. 20 CFR 404.1206 - Retirement system coverage groups.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 20 Employees' Benefits 2 2010-04-01 2010-04-01 false Retirement system coverage groups. 404.1206 Section 404.1206 Employees' Benefits SOCIAL SECURITY ADMINISTRATION FEDERAL OLD-AGE, SURVIVORS AND DISABILITY INSURANCE (1950- ) Coverage of Employees of State and Local Governments What Groups of...

  19. 32 CFR 161.21 - Benefits for retired civilian personnel.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... IDENTIFICATION (ID) CARDS FOR MEMBERS OF THE UNIFORMED SERVICES, THEIR DEPENDENTS, AND OTHER ELIGIBLE INDIVIDUALS DoD Identification (ID) Cards: Benefits for Members of the Uniformed Services, Their Dependents, and... Identification Cards” authorized the issuance of a DoD ID card to this population. (b) Retired NOAA Wage...

  20. The Critical Impact of Impending Retirements on Community College Leadership.

    ERIC Educational Resources Information Center

    Shults, Christopher

    A synthesis of recent research efforts, including the 2001 American Association of Community Colleges (AACC) Leadership Survey, this paper highlights trends that have placed community college leadership in peril. Two major issues have combined to create a crisis: (1) community college presidents have been retiring at a high rate--a trend that is…

  1. Preretirement Counseling, Retirement Adjustment, and the Older Employee.

    ERIC Educational Resources Information Center

    Greene, Mark R.; And Others

    This study analyzed relationships between successful adjustment to retirement, preretirement counseling, and the psychological, economic, and other background characteristics of individual employees. A preliminary study in the western states showed no small companies, and relatively few other, with preretirement counseling programs of any…

  2. National Retired Senior Volunteer Program Participant Impact Evaluation. Final Report.

    ERIC Educational Resources Information Center

    Booz Allen and Hamilton, Inc., Washington, DC.

    A study examined the long-term effects of participation in the Retired Senior Volunteer Program (RSVP) on participants from 20 RSVP projects nationwide. Three rounds of interviews were conducted. In Round 1, 750 volunteers were interviewed: 595 veteran volunteers and 155 new volunteers. In Round 2, 792 volunteers were intereviewed: 175 new…

  3. 26 CFR 1.167(a)-8 - Retirements.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... normally will be retired after expiration of the average life. Accordingly, if instead of accounting for a... taxpayer chooses to account separately for such assets instead of accounting for them in multiple asset... with the regulation stated in paragraph (e)(1)(ii) of this section. (e) Accounting treatment of...

  4. How Many Struggle to Get By in Retirement?

    ERIC Educational Resources Information Center

    Butrica, Barbara A.; Murphy, Daniel P.; Zedlewski, Sheila R.

    2010-01-01

    Purpose: This study compared the official poverty rate for adults aged 65 years and older with alternative measures that portray the true resources and needs of older adults. Design and Methods: The analysis used data from the 2004 Health and Retirement Study on income, assets, in-kind transfers, and out-of-pocket medical expenses. It also…

  5. Don't Let College Costs Rain on Your Retirement.

    ERIC Educational Resources Information Center

    Spiers, Joseph

    1995-01-01

    Discusses strategies to keep down the cost of sending children to college and increase retirement savings. Suggestions include looking for any kind of scholarship funds such as academic, athletic, or music; staying in one's own state; joining the Reserve Officer Training Corps (ROTC); haggling; and requiring student employment to defray expenses.…

  6. 26 CFR 1.219-1 - Deduction for retirement savings.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ..., at age 65, with a minimum death benefit of $10,000, and an annual premium of $220. The cash value at... paid salesmen, compensation for services on the basis of a percentage of profits, commissions on... Deduction for retirement savings. (a) In general. Subject to the limitations and restrictions of...

  7. 26 CFR 1.219-1 - Deduction for retirement savings.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ..., at age 65, with a minimum death benefit of $10,000, and an annual premium of $220. The cash value at... paid salesmen, compensation for services on the basis of a percentage of profits, commissions on... Deduction for retirement savings. (a) In general. Subject to the limitations and restrictions of...

  8. 26 CFR 1.219-1 - Deduction for retirement savings.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ..., at age 65, with a minimum death benefit of $10,000, and an annual premium of $220. The cash value at... paid salesmen, compensation for services on the basis of a percentage of profits, commissions on... Deduction for retirement savings. (a) In general. Subject to the limitations and restrictions of...

  9. Work after Early Retirement: An Increasing Trend among Men.

    ERIC Educational Resources Information Center

    Herz, Diane E.

    1995-01-01

    Between 1984 and 1993, work activity increased among men under 65 who had retired early. Factors influencing this trend include changes in pensions, increased health care costs, longer life expectancy, more layoffs, and more opportunities for flexible schedules and less physically demanding work. (SK)

  10. Teaching after Retirement: The Pros and the Cons

    ERIC Educational Resources Information Center

    Sommer, Robert

    2014-01-01

    Having enjoyed teaching during my active career, I continued to teach summer school following retirement. Self-observed sensory and cognitive impairments, although not mentioned by students in their evaluations, induced me to consider the pros and cons of continuing to teach. My hope is that this list of benefits and problems will be of assistance…

  11. Attitudinal Development toward Retirement in a Religious Community.

    ERIC Educational Resources Information Center

    Mason, W. Dean

    The approach to retirement in the Religious Community is discussed as related to the Sister derived from her work as a teacher, nurse, homemaker, or administrator. The problem of aging and philosophies of many who are involved in the field of gerontology are presented. (DB)

  12. 40 CFR 75.67 - Retired units petitions.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 40 Protection of Environment 16 2010-07-01 2010-07-01 false Retired units petitions. 75.67 Section 75.67 Protection of Environment ENVIRONMENTAL PROTECTION AGENCY (CONTINUED) AIR PROGRAMS (CONTINUED... requirement to install and certify a continuous emissions monitoring system, may be obtained from...

  13. Transition from the labor market: older workers and retirement.

    PubMed

    Peterson, Chris L; Murphy, Greg

    2010-01-01

    The new millennium has seen the projected growth of older populations as a source of many problems, not the least of which is how to sustain this increasingly aging population. Some decades ago, early retirement from work posed few problems for governments, but most nations are now trying to ensure that workers remain in the workforce longer. In this context, the role played by older employees can be affected by at least two factors: their productivity (or perceived productivity) and their acceptance by younger workers and management. If the goal of maintaining employees into older age is to be achieved and sustained, opportunities must be provided, for example, for more flexible work arrangements and more possibilities to pursue bridge employment (work after formal retirement). The retirement experience varies, depending on people's circumstances. Some people, for example, have retirement forced upon them by illness or injury at work, by ill-health (such as chronic illnesses), or by downsizing and associated redundancies. This article focuses on the problems and opportunities associated with working to an older age or leaving the workforce early, particularly due to factors beyond one's control. PMID:21058534

  14. 5 CFR 831.201 - Exclusions from retirement coverage.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... under 35 CFR chapter I, subchapter E; (5) The appointment meets the definition of a provisional... chapter 83 of title 5, United States Code, are excluded from such subchapter, except: (1) Employees of St... 5 Administrative Personnel 2 2014-01-01 2014-01-01 false Exclusions from retirement coverage....

  15. 5 CFR 831.201 - Exclusions from retirement coverage.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... under 35 CFR chapter I, subchapter E; (5) The appointment meets the definition of a provisional... chapter 83 of title 5, United States Code, are excluded from such subchapter, except: (1) Employees of St... 5 Administrative Personnel 2 2013-01-01 2013-01-01 false Exclusions from retirement coverage....

  16. 5 CFR 831.201 - Exclusions from retirement coverage.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... under 35 CFR chapter I, subchapter E; (5) The appointment meets the definition of a provisional... chapter 83 of title 5, United States Code, are excluded from such subchapter, except: (1) Employees of St... 5 Administrative Personnel 2 2011-01-01 2011-01-01 false Exclusions from retirement coverage....

  17. 5 CFR 831.201 - Exclusions from retirement coverage.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... under 35 CFR chapter I, subchapter E; (5) The appointment meets the definition of a provisional... chapter 83 of title 5, United States Code, are excluded from such subchapter, except: (1) Employees of St... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Exclusions from retirement coverage....

  18. 5 CFR 831.201 - Exclusions from retirement coverage.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... under 35 CFR chapter I, subchapter E; (5) The appointment meets the definition of a provisional... chapter 83 of title 5, United States Code, are excluded from such subchapter, except: (1) Employees of St... 5 Administrative Personnel 2 2012-01-01 2012-01-01 false Exclusions from retirement coverage....

  19. 5 CFR 352.404 - Retirement and insurance.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 5 Administrative Personnel 1 2012-01-01 2012-01-01 false Retirement and insurance. 352.404 Section 352.404 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT CIVIL SERVICE REGULATIONS REEMPLOYMENT RIGHTS Employment of Presidential Appointees and Elected Officers by the International Atomic...

  20. 5 CFR 352.404 - Retirement and insurance.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 5 Administrative Personnel 1 2014-01-01 2014-01-01 false Retirement and insurance. 352.404 Section 352.404 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT CIVIL SERVICE REGULATIONS REEMPLOYMENT RIGHTS Employment of Presidential Appointees and Elected Officers by the International Atomic...

  1. 5 CFR 352.404 - Retirement and insurance.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 5 Administrative Personnel 1 2013-01-01 2013-01-01 false Retirement and insurance. 352.404 Section 352.404 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT CIVIL SERVICE REGULATIONS REEMPLOYMENT RIGHTS Employment of Presidential Appointees and Elected Officers by the International Atomic...

  2. Whole-Person Impairment in Younger Retired NFL Players

    PubMed Central

    Domb, Benjamin G.; Carter, Chris; Finch, Nathan A.; Hammarstedt, Jon E.; Dunne, Kevin F.; Stake, Christine E.

    2014-01-01

    Background: Professional American football is a physically demanding, high-impact sport with an elevated risk of injury. Orthopaedic injuries may impose acute, short-term or cumulative consequences throughout a player’s lifetime. Several studies have addressed health and psychosocial concerns of an older, retired population of players in the National Football League (NFL); however, minimal research has examined the orthopaedic toll on younger, retired players. Purpose: This study reports total whole-person impairment (WPI) percentages in a cohort of younger, retired NFL players who presented for disability evaluations based on the use of standardized American Medical Association (AMA) impairment guidelines. Study Design: Case series; Level of evidence, 4. Methods: During the study period of February 2011 to August 2013, 65 younger retired NFL players presented for impairment evaluations. The mean time between retirement and impairment evaluation was 3.1 years (range, 0.3-16.4 years). A complete history and physical examination was performed on all symptomatic joints. A retrospective chart review was conducted on 100% of presenting players to assess orthopaedic burden. Body-part impairment (BPI) percentage for each affected joint was generated. The impairment data for each extremity were then combined with spine impairment data to create WPI percentage. Player demographics, including age, position, and playing time, were also recorded. Results: The average WPI percentage was 37% (range, 19%-53%). Players participating in >30 games (n = 54) had a higher mean WPI percentage (38%) than those playing in <30 games (31%; n = 11) (P = .004). Players competing in >5 seasons (n = 46) were 2.4 times more likely to have a WPI of at least 37% (P = .007). The most common joints players reported as symptomatic were lumbar (n = 63; 97%) and cervical spine (n = 58; 89%). The mean age at evaluation was 33.5 years (range, 27-42 years), and the mean number of seasons played was 7

  3. Faculty Retirement Projections beyond 1994: Effects of Policy on Individual Choice.

    ERIC Educational Resources Information Center

    Lozier, G. Gregory; Dooris, Michael J.

    This study examines the age distribution of faculty retirements at 101 colleges and universities offering at least the baccalaureate degree, representing 35,000 faculty. It examines both historical retirement patterns and distributions of faculty by age and discipline. The study also examines data from a survey of 518 retired faculty members…

  4. 5 CFR 352.309 - Retirement, health benefits, and group life insurance.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 5 Administrative Personnel 1 2011-01-01 2011-01-01 false Retirement, health benefits, and group... Organizations § 352.309 Retirement, health benefits, and group life insurance. (a) Agency action. An employee... entitled to retain coverage for retirement, health benefits, and group life insurance purposes if he or...

  5. 12 CFR 303.241 - Reduce or retire capital stock or capital debt instruments.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 12 Banks and Banking 5 2013-01-01 2013-01-01 false Reduce or retire capital stock or capital debt... RULES OF PRACTICE FILING PROCEDURES Other Filings § 303.241 Reduce or retire capital stock or capital... nonmember bank to seek the prior approval of the FDIC to reduce the amount or retire any part of its...

  6. Change and Persistence of Personal Identities after the Transition to Retirement

    ERIC Educational Resources Information Center

    Teuscher, Ursina

    2010-01-01

    This study addresses the question of how retired people's self-image differs from that of working people, and what factors predict people's self-definition as professionals or retirees. Seven hundred ninety-two Swiss persons aged 58-70 (386 men, 406 women; 349 not retired, 443 retired) were asked to rate the importance of different…

  7. 5 CFR 352.309 - Retirement, health benefits, and group life insurance.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 5 Administrative Personnel 1 2010-01-01 2010-01-01 false Retirement, health benefits, and group... Organizations § 352.309 Retirement, health benefits, and group life insurance. (a) Agency action. An employee... entitled to retain coverage for retirement, health benefits, and group life insurance purposes if he or...

  8. Factors Associated with Seeking and Using Professional Retirement-Planning Help.

    ERIC Educational Resources Information Center

    Joo, So-hyun; Grable, John E.

    2001-01-01

    Results of an analysis of the 1998 Retirement Confidence Survey (n=711) showed that women who had higher incomes, exhibited better financial behaviors, had more positive attitudes toward retirement, and exhibited a higher level of risk tolerance were more likely to seek professional help when making retirement decisions. (Contains 49 references.)…

  9. University of North Carolina Lets Professors Ease Their Way into Retirement

    ERIC Educational Resources Information Center

    June, Audrey Williams

    2008-01-01

    This article reports on the University of North Carolina's "phased-retirement" plan, which lets professors formally ease their way into retirement. The challenges of personnel planning in the North Carolina system, made tougher when higher education was stripped of a mandatory retirement age 14 years ago, have lessened because the program has…

  10. The Process of Retirement Planning Scale (PRePS): Development and Validation

    ERIC Educational Resources Information Center

    Noone, Jack H.; Stephens, Christine; Alpass, Fiona

    2010-01-01

    Although a substantial proportion of the western population is approaching retirement age, little is known about how they are preparing for the future. Much attention has been paid to the consumption of educational material and retirement wealth in the present literature, but the process of retirement planning has been ignored. S. L. Friedman and…

  11. Reflections upon University Retirement: With Thanks and Apologies to James Joyce

    ERIC Educational Resources Information Center

    Euster, Gerald L.

    2004-01-01

    This article examines (1) the elimination of mandatory retirement in American higher education, (2) research related to retirement decisions of university faculty, and (3) the author's thoughts and feelings before and following retirement from academia. An interior monologue, stream-of-consciousness method is used to reflect the author's movement…

  12. An Introduction to Cost-of-Living Adjustments in Public Retirement Plans: Details Matter

    ERIC Educational Resources Information Center

    Jennings, Penelope R.; Jennings, William P.; Phillips, G. Michael

    2016-01-01

    While financial planning students are expected to be able to understand client retirement plans, subtle differences in cost-of-living adjustments can have major impact on the success of client retirement plans. This teaching note compares the cost-of-living adjustments in the largest government sponsored retirement systems and a hypothetical…

  13. Conflict, Pre-Retirement Planning, and Mental and Physical Health Status.

    ERIC Educational Resources Information Center

    Benner, Larry; And Others

    In both industry and government, the current response to the problems of retirement is the development of programs for pre-retirement counseling and planning. A group of older workers who were offered a comprehensive retirement planning program by their company was examined to determine reasons for both attendance and non-attendance in the…

  14. Employees' Intentions to Retire Early: A Case of Planned Behavior and Anticipated Work Conditions

    ERIC Educational Resources Information Center

    van Dam, Karen; van der Vorst, Janine D. M.; van der Heijden, Beatrice I. J. M.

    2009-01-01

    This study investigated the early retirement intentions of 346 older Dutch employees by extending the theory of planned behavior with anticipated work conditions. The results showed that employees who felt a pressure from their spouse to retire early had a strong intention to leave the work force before the official retirement age, that is 65.…

  15. Retirement Patterns of California Prekindergarten--Grade 12 Educators. Summary. Issues & Answers. REL 2012-No. 130

    ERIC Educational Resources Information Center

    Fong, Anthony B.; Makkonen, Reino

    2012-01-01

    This study examines retirement patterns of California educators from 1995/96 to 2009/10. It finds that the percentage of educators over age 60 doubled, educators were more likely to retire when a school district's local revenue decreased, and the percentage of retired educators returning to work increased. Study findings revealed that: (1) The age…

  16. 26 CFR 1.122-1 - Applicable rules relating to certain reduced uniformed services retirement pay.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ..., section 122(a). Assume further that A attains retirement age on December 31, 1966, dies on January 1, 1967..., if A had not attained retirement age at the time of his death, his widow would, under section 101 and... like amount under laws administered by the Veterans Administration. C has not reached retirement...

  17. I Do... Want to Save: Marriage and Retirement Savings in Young Households

    ERIC Educational Resources Information Center

    Knoll, Melissa A. Z.; Tamborini, Christopher R.; Whitman, Kevin

    2012-01-01

    Increased policy and academic attention has been placed on promoting retirement savings early in the life course. This study investigates the extent to which retirement savings behavior among young persons, a population for which retirement savings is important but typically low, differs by marital status. We draw national survey data on young…

  18. Retirement Patterns of California Prekindergarten--Grade 12 Educators. Issues & Answers. REL 2012-No. 130

    ERIC Educational Resources Information Center

    Fong, Anthony B.; Makkonen, Reino

    2012-01-01

    This study examines retirement patterns of California educators from 1995/96 to 2009/10. It finds that the percentage of educators over age 60 doubled, educators were more likely to retire when a school district's local revenue decreased, and the percentage of retired educators returning to work increased. Study findings revealed that: (1) The age…

  19. NEA Retirement and Benefits Forum: Selected Proceedings (Clearwater Beach, Florida, October 18-21, 1990).

    ERIC Educational Resources Information Center

    National Education Association, Washington, DC. Research Div.

    The National Education Association (NEA) Retirement and Benefits Forum is an annual event where leaders, lobbyists, researchers, and trustees of retirement and health and welfare plans meet to learn about and discuss current and future retirement and benefits issues. This report of the 1990 forum contains 10 selected papers and a welcoming speech…

  20. 20 CFR 369.1 - Unofficial use of the seal of the Railroad Retirement Board.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 20 Employees' Benefits 1 2011-04-01 2011-04-01 false Unofficial use of the seal of the Railroad..., POLICY AND PROCEDURES USE OF THE SEAL OF THE RAILROAD RETIREMENT BOARD § 369.1 Unofficial use of the seal of the Railroad Retirement Board. Use of the seal of the Railroad Retirement Board for...