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Sample records for demantelement enseignements retires

  1. 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)

  2. 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.

  3. 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…

  4. Mental Retirement*

    PubMed Central

    Rohwedder, Susann; Willis, Robert J.

    2010-01-01

    Some studies suggest that people can maintain their cognitive abilities through “mental exercise.” This has not been unequivocally proven. Retirement is associated with a large change in a person’s daily routine and environment. In this paper, we propose two mechanisms how retirement may lead to cognitive decline. For many people retirement leads to a less stimulating daily environment. In addition, the prospect of retirement reduces the incentive to engage in mentally stimulating activities on the job. We investigate the effect of retirement on cognition empirically using cross-nationally comparable surveys of older persons in the United States, England, and 11 European countries in 2004. We find that early retirement has a significant negative impact on the cognitive ability of people in their early 60s that is both quantitatively important and causal. Identification is achieved using national pension policies as instruments for endogenous retirement. PMID:20975927

  5. Work and Retirement.

    ERIC Educational Resources Information Center

    Foner, Anne; Schwab, Karen

    Much research data are available on work and retirement which discounts the image of retirement as an affliction imposed on older workers. These findings indicate that increasing numbers of workers choose to retire before any mandatory age, few wish to return to work, and most are content with their retirement lives; however, negative views about…

  6. 78 FR 33911 - Phased Retirement

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-06-05

    ... is computed during and after phased retirement, and how employees fully retire from phased retirement... compute phased retirement annuities under 5 U.S.C. 8336a. Sections 831.1701 through 831.1703 explain the... hours beyond the working percentage used to compute the phased retirement annuity. In promulgating...

  7. 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.

  8. 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…

  9. 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…

  10. Sheltering Retirement Income.

    ERIC Educational Resources Information Center

    Bryan, E. Lewis; Cash, L. Stephen

    1987-01-01

    Eligibility for an IRA has been severely changed by the Tax Reform Act of 1986. In 1987 educators who have a retirement plan administered by their employer will face new eligibility rules. For self-employment income, a Keogh plan is an excellent way to shelter income and provide retirement income. (MLW)

  11. 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.…

  12. 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.…

  13. 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…

  14. 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)

  15. 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…

  16. Safeguarding Your Retirement Fund.

    ERIC Educational Resources Information Center

    Morrell, Louis R.

    1989-01-01

    Faculty members should consider becoming more involved in the oversight of their personal retirement funds. Both price and inflation risks are best controlled by taking a balanced or diversified approach to investing, with a portfolio based on a predetermined percentage of each type of investment. (MSE)

  17. There Is Life After Retirement!

    ERIC Educational Resources Information Center

    Johnson, Donald R.

    1998-01-01

    School business officials should attend workshops and seminars to help them plan for retirement. When approaching retirement, SBOs should invest for low-risk growth, determine retirement goals, match insurance with needs, and decide when to stop full-time work. Retirees should invest for growth and income, withdraw assets at the right time, and…

  18. 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…

  19. 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

  20. 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

  1. The impact of deferring retirement age on retirement income adequacy.

    PubMed

    VanDerhei, Jack; Copeland, Craig

    2011-06-01

    UPDATE OF RSPM-POST-65 RETIREMENT AGES: The EBRI Retirement Security Projection Model (RSPM) was developed in 2003 to provide an assessment of national retirement income prospects. The 2011 version of RSPM adds a new feature that allows households to defer retirement age past age 65 in an attempt to determine whether retirement age deferral is indeed sufficiently valuable to mitigate retirement income adequacy problems for most households (assuming the worker is physically able to continue working and that there continues to be a suitable demand for his or her skills). The answer, unfortunately, is not always "yes," even if retirement age is deferred into the 80s. LOWEST-INCOME LEVELS, 50-50 CHANCE OF ADEQUACY: RSPM baseline results indicate that the lowest preretirement income quartile would need to defer retirement age to 84 before 90 percent of the households would have a 50 percent probability of success. Although a significant portion of the improvement takes place in the first four years after age 65, the improvement tends to level off in the early 70s before picking up in the late 70s and early 80s. Households in higher preretirement income quartiles start at a much higher level, and therefore have less improvement in terms of additional households reaching a 50 percent success rate as retirement age is deferred for these households. LOWEST-INCOME LEVELS, HIGHER CHANCES OF ADEQUACY: If the success rate is moved to a threshold of 70 percent, only 2 out of 5 households in the lowest-income quartile will attain retirement income adequacy even if they defer retirement age to 84. Increasing the threshold to 80 percent reduces the number of lowest preretirement income quartile households that can satisfy this standard at a retirement age of 84 to approximately 1 out of 7. IMPORTANCE OF DEFINED CONTRIBUTION RETIREMENT PLANS: One of the factors that makes a major difference in the percentage of households satisfying the retirement income adequacy thresholds at any

  2. 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)

  3. 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…

  4. 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…

  5. 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…

  6. 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

  7. 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…

  8. 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…

  9. 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…

  10. 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…

  11. Retirement and Tax Shelter Plans for Educators.

    ERIC Educational Resources Information Center

    Bryan, E. Lewis; Cash, L. Stephen

    1986-01-01

    Congress' proposed revision of the Internal Revenue Code could have a significant impact on the retirement options available to educators. Some retirement and tax shelter plans are reviewed including: Individual Retirement Accounts, Keogh plans, Section 403(b) of the Code, and retirement and estate planning. (MLW)

  12. 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)

  13. 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)

  14. Retired RNs: perceptions of volunteering.

    PubMed

    Cocca-Bates, Katherine C; Neal-Boylan, Leslie

    2011-01-01

    A qualitative study was done to explore the perceptions of volunteering among retired registered nurses (RNs) in Kansas. Participants were volunteers in formal nursing roles or were using their nursing knowledge and experience in non-nursing roles, such as church work. Regardless of the type of volunteer position, retired RNs reported that they use what they have learned as nurses when they volunteer. Volunteering benefits include enhanced self-worth, intellectual stimulation, reduced social isolation, and opportunities to help others. Increased paperwork, new technology, difficulty finding nursing-specific volunteer opportunities, resistance from health care organizations, and a lack of respect for what these nurses know are challenges and barriers to volunteering. Retired RNs have accumulated years of clinical nursing experience and can be helpful to employed nurses. Health care organizations should launch targeted efforts to recruit and utilize retired RN volunteers. Health care professionals who care for older adults should recommend volunteering as a healthful endeavor.

  15. 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.

  16. 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

  17. GRADUAL RETIREMENT: PREFERENCES AND LIMITATIONS1

    PubMed Central

    KANTARCI, TUNGA; VAN SOEST, ARTHUR

    2010-01-01

    Summary In the traditional retirement scenario, individuals work full-time or part-time until a given age, and then stop working abruptly. From the individual’s point of view, it seems more attractive to have a smooth transition, with gradual retirement. In Sweden and other European countries, specific gradual retirement programs have been created in the past 20 years, first in combination with early retirement programs and later to increase labour market participation of older workers. This paper surveys the existing literature on gradual retirement in the US and Europe and analyzes the relevance of gradual retirement in the Netherlands as a tool to keep people employed longer. PMID:20442794

  18. Le recours aux modeles dans l'enseignement de la biologie au secondaire : Conceptions d'enseignantes et d'enseignants et modes d'utilisation

    NASA Astrophysics Data System (ADS)

    Varlet, Madeleine

    Le recours aux modeles et a la modelisation est mentionne dans la documentation scientifique comme un moyen de favoriser la mise en oeuvre de pratiques d'enseignement-apprentissage constructivistes pour pallier les difficultes d'apprentissage en sciences. L'etude prealable du rapport des enseignantes et des enseignants aux modeles et a la modelisation est alors pertinente pour comprendre leurs pratiques d'enseignement et identifier des elements dont la prise en compte dans les formations initiale et disciplinaire peut contribuer au developpement d'un enseignement constructiviste des sciences. Plusieurs recherches ont porte sur ces conceptions sans faire de distinction selon les matieres enseignees, telles la physique, la chimie ou la biologie, alors que les modeles ne sont pas forcement utilises ou compris de la meme maniere dans ces differentes disciplines. Notre recherche s'est interessee aux conceptions d'enseignantes et d'enseignants de biologie au secondaire au sujet des modeles scientifiques, de quelques formes de representations de ces modeles ainsi que de leurs modes d'utilisation en classe. Les resultats, que nous avons obtenus au moyen d'une serie d'entrevues semi-dirigees, indiquent que globalement leurs conceptions au sujet des modeles sont compatibles avec celle scientifiquement admise, mais varient quant aux formes de representations des modeles. L'examen de ces conceptions temoigne d'une connaissance limitee des modeles et variable selon la matiere enseignee. Le niveau d'etudes, la formation prealable, l'experience en enseignement et un possible cloisonnement des matieres pourraient expliquer les differentes conceptions identifiees. En outre, des difficultes temporelles, conceptuelles et techniques peuvent freiner leurs tentatives de modelisation avec les eleves. Toutefois, nos resultats accreditent l'hypothese que les conceptions des enseignantes et des enseignants eux-memes au sujet des modeles, de leurs formes de representation et de leur approche

  19. Pre-Retirement Education: A Community Responsibility

    ERIC Educational Resources Information Center

    Morkert, Carpenter E.

    1974-01-01

    Organizational pre-retirement planning increases stress in middle-aged employees, but programs in pre-retirement education initiated by community colleges in cooperation with local companies can be very successful. (MS)

  20. Using retirement planning software to assess Americans' preparedness for retirement: an update.

    PubMed

    Ameriks, J

    2000-01-01

    This article is an update of a previous analysis of retirement planning software. In this updated analysis, the author uses data from the 1995 Survey of Consumer Finances along with statistical analysis of retirement software to examine whether consumers who follow the software retirement saving parameters are saving enough for retirement.

  1. 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…

  2. 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…

  3. 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…

  4. 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)

  5. 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)

  6. 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)

  7. Shelved: The Retired Librarian's Guidebook.

    ERIC Educational Resources Information Center

    Elder, Jane D.

    Free-lance librarianship is discussed, and retired librarians are urged to start their own information service as a business. Because computer based storage and retrieval systems are not socially, politically, or economically integrated, and one library cannot hold all information, new needs are emerging for information services. For example, a…

  8. Financial planning considerations at retirement.

    PubMed

    Cole, R J

    1998-03-01

    The process of retirement planning is a difficult one for a physician. The Planning process should address the areas of Investment Planning, Estate Planning, and Risk Management. This article examines each of these dimensions with special emphasis on Modern Portfolio Theory as the basis for investment planning.

  9. Adjusting to Retirement: Considerations for Counselors.

    ERIC Educational Resources Information Center

    LaBauve, Bill J.; Robinson, Chester R.

    1999-01-01

    Examines retirement, while focusing on issues older adults face in adjusting to retirement, and suggests implications for counseling people who are making this transition. Discusses adjustment to retirement in terms of role, disengagement, activity, continuity, crisis, and compromise/negotiation theories. (Author/MKA)

  10. 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…

  11. Born to Retire: The Foreshortened Life Course

    ERIC Educational Resources Information Center

    Ekerdt, David J.

    2004-01-01

    Retirement is no longer a concern solely for the second half of life. Rather, the idea that we will someday retire is increasingly present to all adults and it is even urged on adolescents. The earliest reaches of adulthood are being colonized by frequent reminders that it takes individual effort to achieve retirement. The changing nature of…

  12. Dimensions of Marital Quality and Retirement

    ERIC Educational Resources Information Center

    Davey, Adam; Szinovacz, Maximiliane E.

    2004-01-01

    This study examines whether the meaning of marital conflict and marital solidarity are affected by the transition to retirement, whether the retirement transition alters stability and variability of, and cross-spouse influences on, marital quality, and whether retirement influences latent means of marital quality. Data from both waves of the…

  13. Women's Retirement: Beyond Issues of Financial Security.

    ERIC Educational Resources Information Center

    Price, Christine A.

    2003-01-01

    Interviews with a sample of 31 professional and nonprofessional retired women identified the following as issues of significance for women planning to retire: setting goals, avoiding retiring too early, getting involved, managing time, and being self-sufficient. These can serve as a foundation for future program development in the area of women's…

  14. 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…

  15. 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…

  16. Personal Values: Psychological Determinants of Retirement Preparation.

    ERIC Educational Resources Information Center

    Price, William F.

    With the trend toward early retirement and the fact that people are living to an older average age, more years of an individual's life will be spent in retirement. To examine personal values as psychological determinants of the retirement preparation process, 206 classified university employees, between the ages of 50 and 65 years of age,…

  17. 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

  18. Truly satisfied with your retirement or just resigned? Pathways toward different patterns of retirement satisfaction.

    PubMed

    Potočnik, Kristina; Tordera, Núria; Peiró, José María

    2013-03-01

    The main aim of the present study was to explore different patterns of retirement satisfaction. Following the dynamic model of job satisfaction, we identify different retirement satisfaction forms. We also examined a set of antecedents of observed retirement satisfaction forms and their impact on psychological well-being. Using a sample of 270 Spanish retirees, cluster analytical results showed four retirement satisfaction forms. These were stabilized-progressive, resigned-stabilized, and resigned retirement satisfaction and constructive-fixated retirement dissatisfaction. Gender, retirement intentions, and voluntariness of retirement transition predicted retirement satisfaction forms. Finally, our findings showed that participants experiencing constructive-fixated retirement dissatisfaction reported lower psychological well-being compared with participants from stabilized-progressive and resigned-stabilized retirement satisfaction forms. These findings provide preliminary support for the study of retirement satisfaction from the dynamic perspective and call for more research on this issue. The findings could also imply the potential value of attending to retirement transition factors to achieve better adjustment to retirement. PMID:25474215

  19. Is retirement beneficial for mental health? Antidepressant use before and after retirement

    PubMed Central

    Oksanen, Tuula; Vahtera, Jussi; Westerlund, Hugo; Pentti, Jaana; Sjösten, Noora; Virtanen, Marianna; Kawachi, Ichiro; Kivimäki, Mika

    2011-01-01

    Background Recent studies based on self-reported data suggest that retirement may have beneficial effects on mental health, but studies using objective endpoints remain scarce. This study examines longitudinally the changes in antidepressant medication use across the 9 years spanning the transition to retirement. Methods Participants were Finnish public-sector employees: 7138 retired at statutory retirement age (76% women, mean age 61.2 years), 1238 retired early due to mental health issues (78% women, mean age 52.0 years), and 2643 retired due to physical health issues(72% women, mean age 55.4 years). Purchase of antidepressant medication four years prior to and four years after retirement year were based on comprehensive national pharmacy records in 1994-2005. Results One year before retirement, the use of antidepressants was 4% among those who would retire at statutory age, 61% among those who would retire due to mental health issues, and 14% among those who would retire due to physical health issues. Retirement-related changes in antidepressant use depended on the reason for retirement. Among old-age retirees, antidepressant medication use decreased during the transition period (age- and calendar-year-adjusted prevalence ratio for antidepressant use 1 year after vs. 1 year before retirement = 0.77 [95% confidence interval = 0.68 – 0.88]). Among those whose main reason for disability pension was mental health issues or physical health issues, there was an increasing trend in antidepressant use prior to retirement and, for mental health retirements, a decrease after retirement. Conclusions Trajectories of recorded purchases of antidepressant medication are consistent with the hypothesis that retirement is beneficial for mental health. PMID:21502864

  20. Caring and retirement: crossroads and consequences.

    PubMed

    Dow, Briony; Meyer, Claudia

    2010-01-01

    As older workers move closer to retirement, they are more likely to take on caring roles. This may affect their health, retirement plans, and income security. Retired men and women experience the caring role differently, with men less likely to be adversely affected and more likely to accept services and to derive satisfaction from caring. Carers make an important contribution to the lives of the people they care for and to the community. Caring is a productive role that can be sustained into older age, as long as the carer's health and well-being are maintained. More research is needed on the relationship between retirement and caring, to explore the extent of caring and its impact on retirement plans, income, and the physical and mental health of retired carers. This information could then be built into retirement planning to better prepare older workers for this important role. Caring roles and retirement intersect in several ways. About 6 million Americans, 2.6 million Australians, and 6 million people in the United Kingdom are informal carers. People (especially men) are more likely to take on caring roles as they get older and leave the paid workforce. The need to care for a spouse or older relative can be an unanticipated outcome or a precipitator of retirement. Retirement may coincide with illness or disability of a parent or spouse, or may be forced by the demands of caring. Caring may bring about major changes to retirement plans. The financial impact of having been a carer during one's working life may also be felt most keenly on retirement, through the lack of opportunities for savings and retirement fund co-contributions.

  1. 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).

  2. 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.

  3. 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.

  4. Retirement income adequacy: good news or bad?

    PubMed

    Schieber, Sylvester J

    2004-01-01

    Estimating replacement rate targets, and using them to assess the current state of retirement savings adequacy, has been the focus of much attention and analysis. Building on his earlier work published in Benefits Quarterly, the author conceptually defines retirement income adequacy, estimates replacement rate targets and reviews research on the current state of baby boomers' retirement savings. He concludes that, despite existing data limitations, researchers have made considerable strides in recent years in thinking about saving for retirement and the adequacy of workers' preparation for it. These advances suggest that singular rules of thumb for replacement rates are naive and that estimates should take into account the unforeseen risks that individuals face.

  5. 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…

  6. 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…

  7. Measuring years of inactivity, years in retirement, time to retirement, and age at retirement within the Markov model.

    PubMed

    Skoog, Gary R; Ciecka, James E

    2010-08-01

    Retirement-related concepts are treated as random variables within Markov process models that capture multiple labor force entries and exits. The expected number of years spent outside of the labor force, expected years in retirement, and expected age at retirement are computed-all of which are of immense policy interest but have been heretofore reported with less precisely measured proxies. Expected age at retirement varies directly with a person s age; but even younger people can expect to retire at ages substantially older than those commonly associated with retirement, such as age 60, 62, or 65. Between 1970 and 2003, men allocated most of their increase in life expectancy to increased time in retirement, but women allocated most of their increased life expectancy to labor force activity. Although people can exit and reenter the labor force at older ages, most 65-year-old men who are active in the labor force will not reenter after they eventually exit. At age 65, the probability that those who are inactive will reenter the labor force at some future time is .38for men and .27 for women. Life expectancy at exact ages is decomposed into the sum of the expected time spent active and inactive in the labor force, and also as the sum of the expected time to labor force separation and time in retirement.

  8. The Role Social Pressures Play in Early Retirement Propensities.

    ERIC Educational Resources Information Center

    Hwalek, Melanie; And Others

    1982-01-01

    One hundred male industrial workers within five years of retirement eligibility were asked their retirement intentions. Using Fishbein and Ajzen's behavior intention model, the authors suggest that significant others may be the most important component of retirement decisions. (SK)

  9. 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)

  10. The evolution of retirement: results of the 1999 Retirement Confidence Survey.

    PubMed

    Ostuw, P; Pierron, B; Yakoboski, P

    1999-12-01

    The ninth annual Retirement Confidence Survey (RCS) shows continued evidence of progress in the drive for retirement income security for American workers. However, there are still hurdles to overcome. The RCS tracks Americans' retirement planning and saving behavior and their confidence regarding various aspects of their retirement. It also categorizes workers and retirees into distinct groups based on their individual views on retirement, retirement planning, and saving. The retirement envisioned by today's workers looks different in many respects from that now experienced by current retirees. Today's workers expect to work longer than current retirees actually worked before retiring--and many say they plan to work for pay after they retire. Twenty-four percent of workers reported that they are very confident they will have enough money to live comfortably in retirement, and 45 percent reported that they are somewhat confident. However, there are indications that many may be falsely confident. The good news is that 70 percent of Americans are saving for retirement, and a growing percentage (49 percent) are going further and determining how much they need to save to fund their retirement. The bad news is that 30 percent of Americans have not begun to save for their retirement, and 51 percent have never tried to determine how much they need to save. Employers play a major role in ensuring adequate retirement preparation. Forty percent of all workers said they expect that money provided by their employer will be a major source of retirement income. Forty-six percent expect the money they put into a retirement plan at work to be a major source of income. The availability of a retirement plan at work is credited by 48 percent of savers as motivation to save. While worker education is a point of emphasis among both employers and policymakers, more remains to be done. For example, 59 percent of workers expect to be eligible for full Social Security benefits sooner than

  11. 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…

  12. There's More to Retirement than Financial Security.

    ERIC Educational Resources Information Center

    Fetridge, Guild A.

    1990-01-01

    Since hobbies and recreational activities don't generate the intellectual satisfaction and adrenaline flow of a successful and challenging career, principals need to develop new midlife careers to replace some of the emotional supports that slip away after retirement. This article offers helpful advice on avoiding retirement pitfalls and pursuing…

  13. 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)

  14. 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…

  15. 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…

  16. 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…

  17. Policy Issues in Work and Retirement.

    ERIC Educational Resources Information Center

    Parnes, Herbert S., Ed.

    This collection consists of papers presented at a 1982 conference on policy issues in work and retirement. Presented first is an introductory overview of the problems of retirement and aging by Herbert S. Parnes. The following conference reports are included in the volume: "Life without Work: Does It Make Sense?" by Eli Ginzberg; "Aging, Health,…

  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. The "Revolution" in Australian Retirement Income Policy.

    ERIC Educational Resources Information Center

    Borowski, Allan

    1987-01-01

    Describes Australia's retirement income arrangements, including age pension, private pensions, changes in provisions by the federal government, and factors that shaped changes. Notes that difficulties experienced by the government in introducing changes underscore political sensitivity of retirement income policy in Australia. (Author/NB)

  20. NACUBO Report: Early and Phased Retirement.

    ERIC Educational Resources Information Center

    Covert-McGrath, Debra

    1984-01-01

    Information is provided on early and phased retirement plans of about 20 academic institutions. Eligibility requirements for participation in early retirement plans vary from campus to campus. Most plans have a requirement ranging from a minimum of 10 to 20 years of full-time (or part-time equivalent) service. There are basically two types of…

  1. Goal Expectations as Predictors of Retirement Intentions

    ERIC Educational Resources Information Center

    Brougham, Ruby R.; Walsh, David A.

    2005-01-01

    The current study explored the contribution of personal goals to retirement decisions. A SMARTER methodology (to assess multiattribute utility) and taxonomy of human goals were used to investigate the relationship between older workers' personal goals and their retirement intentions. Two hundred and fifty-one employees of a large university,…

  2. 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…

  3. 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...

  4. 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…

  5. 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

  6. 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.

  7. 5 CFR 839.801 - Do I owe more money if I had a qualifying retirement coverage error and the employee retirement...

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... retirement coverage error and the employee retirement deductions for the new retirement plan are more than... employee retirement deductions for the new retirement plan are more than what I already paid? (a) No, your... ERRONEOUS RETIREMENT COVERAGE CORRECTIONS ACT Adjusting Retirement Deductions and Contributions...

  8. 5 CFR 839.801 - Do I owe more money if I had a qualifying retirement coverage error and the employee retirement...

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... retirement coverage error and the employee retirement deductions for the new retirement plan are more than... employee retirement deductions for the new retirement plan are more than what I already paid? (a) No, your... ERRONEOUS RETIREMENT COVERAGE CORRECTIONS ACT Adjusting Retirement Deductions and Contributions...

  9. L'influence d'un stage d'enseignement dans un musee de sciences naturelles sur le sentiment d'autoefficacite en sciences de futurs enseignants

    NASA Astrophysics Data System (ADS)

    Deblois, Annick

    Cette etude qualitative multicas est ancree dans l'approche sociale-cognitive de la theorie de l'autoefficacite de Bandura (1977). Elle s'interesse a quatre stages a l'enseignement qui se sont deroules au Musee canadien de la nature a Ottawa, Canada, en 2009. L'utilisation de donnees secondaires issues du questionnaire STEBI-B traduit et modifie (Dionne et Couture, 2010) ainsi que des entrevues semi-dirigees ont permis une analyse du changement du sentiment d'autoefficacite en sciences chez les stagiaires. Les elements les plus interessants de cette recherche sont l'apprentissage vicariant et la possibilite de repetition qui favorise une meilleure connaissance de soi et une pratique reflexive. Les resultats, dans l'ensemble positifs, illustrent bien le potentiel d'un tel stage afin de rehausser le sentiment d'autoefficacite en sciences chez des stagiaires en enseignement, particulierement chez ceux qui se destinent a enseigner a l'elementaire puisque ceux-ci ont souvent une formation academique dans un domaine autre que les sciences.

  10. 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...

  11. 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...

  12. 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...

  13. 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...

  14. 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...

  15. 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...

  16. 29 CFR 4022.10 - Earliest PBGC Retirement Date.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 29 Labor 9 2010-07-01 2010-07-01 false Earliest PBGC Retirement Date. 4022.10 Section 4022.10... § 4022.10 Earliest PBGC Retirement Date. The Earliest PBGC Retirement Date for a participant is the...)(B) of ERISA. The Earliest PBGC Retirement Date is determined in accordance with this § 4022.10....

  17. 29 CFR 4022.10 - Earliest PBGC Retirement Date.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 29 Labor 9 2013-07-01 2013-07-01 false Earliest PBGC Retirement Date. 4022.10 Section 4022.10... § 4022.10 Earliest PBGC Retirement Date. The Earliest PBGC Retirement Date for a participant is the...)(B) of ERISA. The Earliest PBGC Retirement Date is determined in accordance with this § 4022.10....

  18. 29 CFR 4022.10 - Earliest PBGC Retirement Date.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 29 Labor 9 2012-07-01 2012-07-01 false Earliest PBGC Retirement Date. 4022.10 Section 4022.10... § 4022.10 Earliest PBGC Retirement Date. The Earliest PBGC Retirement Date for a participant is the...)(B) of ERISA. The Earliest PBGC Retirement Date is determined in accordance with this § 4022.10....

  19. 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...

  20. 38 CFR 3.754 - Emergency officers' retirement pay.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ...' retirement pay. 3.754 Section 3.754 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS ADJUDICATION Pension, Compensation, and Dependency and Indemnity Compensation Retirement § 3.754 Emergency officers' retirement pay. A retired emergency officer of World War I has basic eligibility to...

  1. 38 CFR 3.754 - Emergency officers' retirement pay.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ...' retirement pay. 3.754 Section 3.754 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS ADJUDICATION Pension, Compensation, and Dependency and Indemnity Compensation Retirement § 3.754 Emergency officers' retirement pay. A retired emergency officer of World War I has basic eligibility to...

  2. 38 CFR 3.754 - Emergency officers' retirement pay.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ...' retirement pay. 3.754 Section 3.754 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS ADJUDICATION Pension, Compensation, and Dependency and Indemnity Compensation Retirement § 3.754 Emergency officers' retirement pay. A retired emergency officer of World War I has basic eligibility to...

  3. 38 CFR 3.754 - Emergency officers' retirement pay.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ...' retirement pay. 3.754 Section 3.754 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS ADJUDICATION Pension, Compensation, and Dependency and Indemnity Compensation Retirement § 3.754 Emergency officers' retirement pay. A retired emergency officer of World War I has basic eligibility to...

  4. 26 CFR 1.167(a)-8 - Retirements.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... timing of the retirement, the estimated useful life used in computing depreciation, and whether the asset... retirement is a normal retirement from a multiple asset account in which the depreciation rate was based on... in setting the applicable depreciation rate. For example, a retirement is considered normal if...

  5. 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…

  6. 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…

  7. Retired Executives: The New Educational Consultants.

    ERIC Educational Resources Information Center

    Scherman, William H.

    1985-01-01

    Retired business executives are providing colleges and universities with expertise by consulting in such areas as image strengthening, board revitalization, reviewing program directions, forging business partnerships, improving multicampus institutions' communication and cooperation, systematizing computers, and examining the scope and direction…

  8. 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.

  9. 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.

  10. Retirement responses to social security changes.

    PubMed

    Gohmann, S F; Clark, R L

    1989-11-01

    Workers often retire at an age later than the age at which they accept Social Security benefits. This study employed a life-cycle model of individual utility to examine the effects of Social Security provisions on the timing of benefit acceptance and retirement. The behavioral responses of older workers are estimated with a two-equation logit model using data from the Retirement History Study. The results indicate that the legislated increase in the age of eligibility for full Social Security benefits beginning in the 21st century will have relatively small effects on the ages of retirement and benefit acceptance. The mandated decrease in the earnings test tax also is predicted to have only a small effect on the behavior of older persons.

  11. 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)

  12. 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

  13. Mortality Change, the Uncertainty Effect, and Retirement *

    PubMed Central

    Kalemli-Ozcan, Sebnem; Weil, David N.

    2013-01-01

    We examine the role of declining mortality in explaining the rise of retirement over the course of the 20th century. We construct a model in which individuals make labor/leisure choices over their lifetimes subject to uncertainty about their dates of death. In an environment with high mortality, an individual who saves for retirement faces a high risk of dying before he can enjoy his planned leisure. In this case, the optimal plan is for people to work until they die. As mortality falls, however, it becomes optimal to plan, and save for, retirement. We analyze our model using two mathematical formulations of the survival function as well as data on actual changes in the US life table over the last century, and show that this “uncertainty effect” of declining mortality would have more than outweighed the “horizon effect” by which rising life expectancy would have led to later retirement. PMID:24363604

  14. 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.

  15. Australian baby boomers retiring 'early': understanding the benefits of retirement preparation for involuntary and voluntary retirees.

    PubMed

    Noone, Jack; O'Loughlin, Kate; Kendig, Hal

    2013-08-01

    The first of the baby boomers have reached retirement age, but some have retired 'early' with varying degrees of personal choice. Preparation for retirement can lead to well-being in later life, but few studies have considered the preparations of involuntary retirees or the pathways that link their preparations with retirement outcomes. This research draws on a sample of 304 retirees from the Ageing Baby Boomers in Australia Study (2009) to examine how preparedness for retirement relates to voluntary and involuntary retirees' life satisfaction and how this relationship is explained by psychological, activity-based, and economic theories. Preparedness predicted life satisfaction for voluntary and involuntary retirees and each of theoretical pathways was supported. Although those retiring involuntarily were less prepared than voluntary retirees, their preparatory behaviours were still associated with life satisfaction. These results suggest that retirement policy and planning initiatives should aim to facilitate a holistic approach to retirement planning for future retirees, particularly those facing an early and unexpected retirement. PMID:23849418

  16. The effect of retirement on mental health and health behaviors: the Kaiser Permanente Retirement Study.

    PubMed

    Midanik, L T; Soghikian, K; Ransom, L J; Tekawa, I S

    1995-01-01

    To assess the short-term effect of retirement on mental health and health behaviors of members of a health maintenance organization aged 60-66, questionnaires were completed in 1985 and 1987 by employed members planning to retire during the study period and those not planning to retire. Mental health and health behaviors of members who actually retired (n = 320) were compared with those members who did not retire (n = 275). Using logistic regression controlling for age, gender, marital status, and education, we found that retired members were more likely to have lower stress levels and to engage in regular exercise more often as compared to those who did not retire during the study period. Retired women were more likely to report no alcohol problems as compared to nonretired women. There were no differences between the groups on self-reported mental health status, coping, depression, smoking, alcohol consumption, and frequency of drunkenness. These findings underscore the importance of assessing positive benefits associated with retirement and call for further evaluation of whether these benefits persist over time.

  17. [The meaning of work during early retirement].

    PubMed

    Aleksandrowicz, P; Fasang, A; Schömann, K; Staudinger, U M

    2010-10-01

    Since the mid-1990s, many German companies have used the part-time retirement scheme (Altersteilzeit) as an opportunity to release older workers. This was often consistent with the interests of the workers themselves. This paper explores whether workers who participate in this early retirement scheme would like to continue to work. A survey of all the workers in one company who participated in the part-time retirement scheme revealed that those already retired would more often like to continue working than employees who are still awaiting retirement. To a greater extent, early retirees would also like to return to work with shorter working hours or for a time-limited project. Results are explained with the affective forecasting bias that is based on the psychological decision theory and economic utility theory - the future utility of an action cannot be anticipated. The "reflective thinking" approach moreover invites the conclusion that the diverging interest of the two groups in continued employment may be due to the different stage of practical knowledge about the situation in (pre-)retirement.

  18. 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

  19. Planning For Retirement: Using Income Replacement Ratios in Setting Retirement Income Objectives.

    ERIC Educational Resources Information Center

    Palmer, Bruce A.

    1993-01-01

    This paper presents a method for higher education faculty and staff to assess pension plan objectives by determining a retirement income replacement ratio to maintain the salary-based preretirement standard of living. The paper describes the RETIRE Project which researches income replacement using the federal government's annual "Consumer…

  20. 26 CFR 1.1402(a)-17 - Retirement payments to retired partners.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES Tax on Self-Employment Income § 1.1402(a)-17 Retirement...-employment for taxable years ending on or after December 31, 1967, certain payments made on a periodic basis... earnings from self-employment, only if: (i) The retired partner to whom the payment is made rendered...

  1. 5 CFR 831.1612 - Elections of Retirement Coverage, exclusions from retirement coverage, and proportional annuity...

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ...) RETIREMENT Customs and Border Protection Officers § 831.1612 Elections of Retirement Coverage, exclusions... Department of Homeland Security must provide an employee who is a customs and border protection officer on December 26, 2007, the opportunity to elect not to be treated as a customs and border protection...

  2. 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…

  3. 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.

  4. When will faculty retire?: Factors influencing retirement decisions of nurse educators.

    PubMed

    Kowalski, Susan D; Dalley, Karla; Weigand, Tammy

    2006-09-01

    This cross-sectional study surveyed a random sample of 129 nurse educators teaching in 61 U.S. schools of nursing. After the educators indicated their desire to participate, the survey instrument was e-mailed to them for completion; a 37.6% response rate was obtained. Demographically, the typical respondent was a healthy, 52-year-old, Caucasian female with a PhD in nursing. Outcomes reflected that respondents' mean anticipated age of retirement was 64.4; however, the optimal age of retirement desired by respondents was younger (62.4). The most influential factor affecting the timing of retirement was financial status. Workplace issues, personal and family health, and attitudes about retirement were other factors that affected participants' retirement decisions. The study findings indicate that nurse educators, as a group, do not plan to work beyond age 65.

  5. A three-phase model of retirement decision making.

    PubMed

    Feldman, Daniel C; Beehr, Terry A

    2011-04-01

    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 future research on retirement decision making, including perceptions of declining person-environment fit, the role of personality traits, occupational norms regarding retirement, broader criteria for assessing older workers' job performance, couples' joint decision making about retirement, the impact of self-funded and self-guided pension plans on retirement decisions, bridge employment before total withdrawal from the work force, and retirement decisions that are neither entirely forced nor voluntary in nature. PMID:21341883

  6. 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

  7. 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

  8. Early retirement in an international perspective.

    PubMed

    Olson-Frick, H

    1980-01-01

    Early retirement and sick pension in Sweden have almost doubled during the last two decades. Today more than 5 percent are pensioned. The situation in Sweden must be seen connection with the international development of early retirement and therefore the following study has been made in the industrialized countries (the OECD-countries plus the industrialized states in East Europe). Assistance at the data collection was given by the ministries of social affairs in respective countries. The study shows that in all countries there is an increase of sick pension and early retirement. Exceptions are England and West Germany where the development is more even. A plausible explanation might be that both countries were involved in the world war II and that among the early retirees is a large group of war invalids. Today, 35 years after the war, this group should be refound in ages over 55, i.e. the ages when early retirement passes over to age retirement. If the outflow from the group is large it could hide the inflow of a large number of normal early retirees. PMID:7450977

  9. 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

  10. Age differences in expected satisfaction with life in retirement.

    PubMed

    Gutierrez, Helen C; Hershey, Douglas A

    2014-01-01

    Research on expected quality of life in retirement has focused on the perceptions of individuals either living in retirement or nearing retirement age. In this article, data are reported that examine expectations of (future) retirement quality of life among younger and middle-aged adults. Toward this end, a new scale--the Satisfaction with Life in Retirement Scale--is introduced. As part of the study, a pair of age-specific, theoretically-driven, hierarchically-structured path models were tested in which individuals' perceptions of future retirement satisfaction were regressed on indicators of financial knowledge, future time perspective, financial risk tolerance, and parental financial values. Models from both age groups were successful in accounting for variability in perceptions of future retirement satisfaction; however, age differences in the model were observed. The results of this investigation have implications for retirement counselors and intervention specialists who seek to cultivate positive perceptions of late life among individuals of different ages.

  11. 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

  12. Early Retirement Incentive Programs: Trends and Implications.

    ERIC Educational Resources Information Center

    Meier, Elizabeth L.

    Despite many employers' opinions that incentive programs for early retirement are humane and desirable, such programs have several undesirable aspects for the retirees and the U.S. economy. The programs are actually termination programs because they function as a way employers can reduce their work force. (In fact, it was the 1973-75 and 1981-82…

  13. 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...

  14. 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... Internal Revenue Service 26 CFR Part 1 RIN 1545-BG36 Hybrid Retirement Plans; Correction AGENCY: Internal... plans. DATES: This correcting amendment is effective on December 28, 2010, and is applicable on...

  15. 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...

  16. Retirees' Social Identity and Satisfaction with Retirement

    ERIC Educational Resources Information Center

    Michinov, Estelle; Fouquereau, Evelyne; Fernandez, Anne

    2008-01-01

    The purpose of this study was to examine the structure of retirees' social identity and its impact on satisfaction with retirement. From social identity theory formulations, we assumed that (1) retiree-identity was comprised of three distinct components (cognitive, evaluative, and affective), and (2) only the affective component would play a role…

  17. 30 CFR 77.1434 - Retirement criteria.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 30 Mineral Resources 1 2011-07-01 2011-07-01 false Retirement criteria. 77.1434 Section 77.1434 Mineral Resources MINE SAFETY AND HEALTH ADMINISTRATION, DEPARTMENT OF LABOR COAL MINE SAFETY AND HEALTH MANDATORY SAFETY STANDARDS, SURFACE COAL MINES AND SURFACE WORK AREAS OF UNDERGROUND COAL MINES...

  18. 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

  19. [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

  20. 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…

  1. 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)

  2. 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…

  3. Toward Explaining Earlier Retirement after 1970.

    ERIC Educational Resources Information Center

    Ippolito, Richard A.

    1990-01-01

    Rule changes in the social security system and pension plans suggest that labor force participation rates for men aged 55 to 64 fell by 20 percent from 1970 through 1986 because of the increase in social security benefits and a change in private pension rules encouraging earlier retirement. (Author/JOW)

  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. 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…

  6. 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…

  7. 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…

  8. A fiduciary's guide to retirement plan management.

    PubMed

    Dingler, F J

    1991-01-01

    Most group practices have a retirement plan as part of their benefit package. However, groups have responsibilities well beyond funding to keep the plan qualified and in good standing with regulatory agencies. An additional complication is the federal government's frequent changes in the qualified pension laws. With these changes, compliance has become more complex and confusing.

  9. 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…

  10. The Affluent Society Versus Early Retirement

    ERIC Educational Resources Information Center

    Stagner, Ross

    1978-01-01

    After noting the need for compromise between the economic and psychological considerations relevant to public policy on mandatory or early retirement, the author suggests policy modifications that may be beneficial to individual workers and the total American society (e.g., artisan production as self-expression, social services as a second career,…

  11. 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…

  12. 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…

  13. The physician in retirement: transition and opportunity.

    PubMed

    Weisman, A D

    1996-01-01

    Physicians have been known to procrastinate and deny problems about retirement and the inevitability of aging beyond employability. The transition from what they have devoted their life to practicing, coupled with anxiety about just getting old and older than most people is enough to precipitate sadness, if not sober bereavement.

  14. 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…

  15. The new retirement reality: calculating the true cost of retirement income adequacy.

    PubMed

    Lucas, Lori; Steinberg, Allen

    2006-01-01

    Recognizing that 401(k) plans are emerging as many employees' sole source of employer-sponsored retirement income, plan sponsors are increasingly adding paternalistic plan features to increase the amount--and effectiveness--of dollars invested in 401(k) accounts. The authors describe the results of a study they prepared for Hewitt Associates that assesses retirement income adequacy for individuals represented in a plan participant database of 1.8 million individuals. The study includes analysis of retirement income adequacy for the aggregate population as well as the results for different subgroups, reflecting factors such as whether individuals actively contribute; the impact of different levels of retiree medical coverage; and the presence of a defined benefit pension. Finally, the authors discuss how plan sponsors can bolster the adequacy of retirement income from 401(k) plans, depending on employer objectives.

  16. 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...

  17. 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...

  18. 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...

  19. 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...

  20. 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...

  1. 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...

  2. 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...

  3. 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...

  4. 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...

  5. 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...

  6. 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...

  7. 76 FR 32241 - Civil Service Retirement System; Present Value Factors

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-06-03

    ... present value factors currently in effect were published by OPM (75 FR 35093) on June 21, 2010. Elsewhere... provide survivor annuity benefits to a spouse based on post-retirement marriage and to retiring employees...- retirement marriage under section 8339(j)(5)(C) or (k)(2) of title 5, United States Code. Under section...

  8. 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...

  9. 75 FR 35093 - Civil Service Retirement System; Present Value Factors

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-06-21

    ... present value factors currently in effect were published by OPM (72 FR 31628) on June 7, 2007. Elsewhere... provide survivor annuity benefits to a spouse based on post-retirement marriage and to retiring employees...- retirement marriage under section 8339(j)(5)(C) or (k)(2) of title 5, United States Code. Under section...

  10. 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...

  11. 75 FR 35098 - Federal Employees' Retirement System; Normal Cost Percentages

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-06-21

    ... Officers, and employees under section 302 of the Central Intelligence Agency Retirement Act of 1964 for... 303 of the Central Intelligence 17.6% Agency Retirement Act of 1964 for Certain Employees (when... MANAGEMENT Federal Employees' Retirement System; Normal Cost Percentages AGENCY: Office of...

  12. 12 CFR 615.5270 - Retirement of other equities.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 12 Banks and Banking 6 2011-01-01 2011-01-01 false Retirement of other equities. 615.5270 Section..., LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS Retirement of Equities and Payment of Dividends § 615.5270 Retirement of other equities. (a) Equities other than eligible borrower stock shall...

  13. 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…

  14. Retirement financial planning and the RN: an integrative literature review.

    PubMed

    Keele, Shanna; Alpert, Patricia T

    2013-11-01

    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.

  15. 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.

  16. 32 CFR 199.25 - TRICARE Retired Reserve.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 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. These.... TRICARE Retired Reserve is geographically applicable to the same extent as specified in 32 CFR...

  17. 32 CFR 199.25 - TRICARE Retired Reserve.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 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. These.... TRICARE Retired Reserve is geographically applicable to the same extent as specified in 32 CFR...

  18. Partial Retirement and Pension Policy in Industrialized Countries.

    ERIC Educational Resources Information Center

    Latulippe, Denis; Turner, John

    2000-01-01

    Examines the advantages and disadvantages of partial retirement--the transitional period between full-time employment and complete retirement--including easing the transition, labor market effects, and financial implications for social security systems and employers. Reviews partial retirement policies in eight countries and concludes that there…

  19. 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…

  20. 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…

  1. 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... outlay or debt retirement. In no instance shall contract funds provided under this part be used as payment for capital outlay or debt retirement expenses; except that, such costs are allowable if they...

  2. 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... outlay or debt retirement. In no instance shall contract funds provided under this part be used as payment for capital outlay or debt retirement expenses; except that, such costs are allowable if they...

  3. 5 CFR 1653.3 - Processing retirement benefits court orders.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 5 Administrative Personnel 3 2014-01-01 2014-01-01 false Processing retirement benefits court orders. 1653.3 Section 1653.3 Administrative Personnel FEDERAL RETIREMENT THRIFT INVESTMENT BOARD COURT ORDERS AND LEGAL PROCESSES AFFECTING THRIFT SAVINGS PLAN ACCOUNTS Retirement Benefits Court Orders §...

  4. 5 CFR 1653.2 - Qualifying retirement benefits court orders.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 5 Administrative Personnel 3 2011-01-01 2011-01-01 false Qualifying retirement benefits court orders. 1653.2 Section 1653.2 Administrative Personnel FEDERAL RETIREMENT THRIFT INVESTMENT BOARD COURT ORDERS AND LEGAL PROCESSES AFFECTING THRIFT SAVINGS PLAN ACCOUNTS Retirement Benefits Court Orders §...

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

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 5 Administrative Personnel 3 2014-01-01 2014-01-01 false Qualifying retirement benefits court orders. 1653.2 Section 1653.2 Administrative Personnel FEDERAL RETIREMENT THRIFT INVESTMENT BOARD COURT ORDERS AND LEGAL PROCESSES AFFECTING THRIFT SAVINGS PLAN ACCOUNTS Retirement Benefits Court Orders §...

  6. 5 CFR 1653.3 - Processing retirement benefits court orders.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 5 Administrative Personnel 3 2011-01-01 2011-01-01 false Processing retirement benefits court orders. 1653.3 Section 1653.3 Administrative Personnel FEDERAL RETIREMENT THRIFT INVESTMENT BOARD COURT ORDERS AND LEGAL PROCESSES AFFECTING THRIFT SAVINGS PLAN ACCOUNTS Retirement Benefits Court Orders §...

  7. 5 CFR 1653.2 - Qualifying retirement benefits court orders.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Qualifying retirement benefits court orders. 1653.2 Section 1653.2 Administrative Personnel FEDERAL RETIREMENT THRIFT INVESTMENT BOARD COURT ORDERS AND LEGAL PROCESSES AFFECTING THRIFT SAVINGS PLAN ACCOUNTS Retirement Benefits Court Orders §...

  8. 5 CFR 1653.2 - Qualifying retirement benefits court orders.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 5 Administrative Personnel 3 2013-01-01 2013-01-01 false Qualifying retirement benefits court orders. 1653.2 Section 1653.2 Administrative Personnel FEDERAL RETIREMENT THRIFT INVESTMENT BOARD COURT ORDERS AND LEGAL PROCESSES AFFECTING THRIFT SAVINGS PLAN ACCOUNTS Retirement Benefits Court Orders §...

  9. 5 CFR 1653.2 - Qualifying retirement benefits court orders.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 5 Administrative Personnel 3 2012-01-01 2012-01-01 false Qualifying retirement benefits court orders. 1653.2 Section 1653.2 Administrative Personnel FEDERAL RETIREMENT THRIFT INVESTMENT BOARD COURT ORDERS AND LEGAL PROCESSES AFFECTING THRIFT SAVINGS PLAN ACCOUNTS Retirement Benefits Court Orders §...

  10. 5 CFR 1653.3 - Processing retirement benefits court orders.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 5 Administrative Personnel 3 2013-01-01 2013-01-01 false Processing retirement benefits court orders. 1653.3 Section 1653.3 Administrative Personnel FEDERAL RETIREMENT THRIFT INVESTMENT BOARD COURT ORDERS AND LEGAL PROCESSES AFFECTING THRIFT SAVINGS PLAN ACCOUNTS Retirement Benefits Court Orders §...

  11. 5 CFR 1653.3 - Processing retirement benefits court orders.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 5 Administrative Personnel 3 2012-01-01 2012-01-01 false Processing retirement benefits court orders. 1653.3 Section 1653.3 Administrative Personnel FEDERAL RETIREMENT THRIFT INVESTMENT BOARD COURT ORDERS AND LEGAL PROCESSES AFFECTING THRIFT SAVINGS PLAN ACCOUNTS Retirement Benefits Court Orders §...

  12. 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...

  13. 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...

  14. 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....

  15. 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....

  16. 38 CFR 3.754 - Emergency officers' retirement pay.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 1 2010-07-01 2010-07-01 false Emergency officers' retirement pay. 3.754 Section 3.754 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF VETERANS AFFAIRS ADJUDICATION Pension, Compensation, and Dependency and Indemnity Compensation Retirement § 3.754 Emergency officers' retirement pay. A...

  17. 40 CFR 96.305 - Retired unit exemption.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... shall become effective the day on which the CAIR NOX Ozone Season unit is permanently retired. Within 30... 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...

  18. 40 CFR 96.305 - Retired unit exemption.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... shall become effective the day on which the CAIR NOX Ozone Season unit is permanently retired. Within 30... 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...

  19. 40 CFR 96.305 - Retired unit exemption.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... shall become effective the day on which the CAIR NOX Ozone Season unit is permanently retired. Within 30... 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...

  20. 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.…

  1. We Never Had It So Good! Strategies for Retirement.

    ERIC Educational Resources Information Center

    Arden, Eugene

    1996-01-01

    Variations on the traditional methods of planning for retirement are offered to college faculty, focusing on use of Teachers Insurance and Annuities Association (TIAA) and College Retirement Equities Fund (CREF) investments, and other pension options. It is concluded that with careful planning, faculty can retire with close to full preretirement…

  2. 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...

  3. 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...

  4. 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...

  5. 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...

  6. 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 applications. 831.1207 Section 831.1207 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) RETIREMENT Disability Retirement § 831.1207 Withdrawal...

  7. 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 applications. 831.1207 Section 831.1207 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) RETIREMENT Disability Retirement § 831.1207 Withdrawal...

  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 applications. 831.1207 Section 831.1207 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) RETIREMENT Disability Retirement § 831.1207 Withdrawal...

  9. 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 applications. 831.1207 Section 831.1207 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) RETIREMENT Disability Retirement § 831.1207 Withdrawal...

  10. 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)

  11. 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…

  12. 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…

  13. 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.…

  14. Retirement Equity Act of 1984: Its Impact on Women.

    ERIC Educational Resources Information Center

    Women's Bureau (DOL), Washington, DC.

    This booklet was written to help readers understand how the Retirement Equity Act of 1984 makes it easier for both women and men to collect retirement benefits under private pension plans. Since women have had special problems in the pension area, it emphasizes how the retirement law works to their advantage by preventing loss of coverage during…

  15. Exploring the Relationship between Marital Status and Women's Retirement Satisfaction

    ERIC Educational Resources Information Center

    Price, Christine A.; Joo, Eunjee

    2005-01-01

    Increased divorce rates, declining marriage rates, and a predisposition to widowhood in later life all contribute to the heterogeneous marital histories of women approaching retirement. Existing research on retirement, however, has not considered the diversity in marital status that exists among retired women. The purpose of the present study was…

  16. 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…

  17. Retirement in Illinois Community Colleges, 1985-1986.

    ERIC Educational Resources Information Center

    Peterson, David L.

    This analysis of retirement planning and early retirement incentive plans in Illinois community colleges was drawn from a study of early retirement plans at each of the state's 39 community colleges, and a follow-up survey to clarify information in the documents and determine colleges' plans for the future. After introductory comments on the issue…

  18. The Taboo of Retirement for Diocesan Catholic Priests.

    PubMed

    Kane, Michael N

    2016-06-01

    This paper considers Catholic priests in the USA and their freedom to retire, the constraints that may restrain them from retirement, and the financial and psychological variables that impact them in ministry and in future retirement. Implications for pastoral care and counseling are considered.

  19. 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

  20. 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

  1. 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

  2. Effects of retirement and grandchild care on depressive symptoms.

    PubMed

    Szinovacz, Maximiliane E; Davey, Adam

    2006-01-01

    This study explores how grandchild care in conjunction with grandparents' retirement affects depressive symptoms, using data from the Health and Retirement Survey. The findings demonstrate that retirement moderates the influence of grandchild care obligations on well-being, measured by depressive symptoms. For retired men, freedom from grandchild care obligations is associated with heightened well-being. Among women, continued employment seems to protect against potential negative effects of extensive grandchild care obligations on well-being. The results for men seem most in line with the argument that family care obligations spoil retirement, whereas the results for women suggest a scenario that is most compatible with the role enhancement thesis. PMID:16454480

  3. 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

  4. 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

  5. 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

  6. Physical workload and thoughts of retirement.

    PubMed

    Perkiö-Mäkelä, Merja; Hirvonen, Maria

    2012-01-01

    The aim of this paper is to present Finnish employees' opinions on continuing work until retirement pension and after the age of 63, and to find out if physical workload is related to these opinions. Altogether 39% of men and 40% of women had never had thoughts of early retirement, and 59% claimed (both men and women) that they would consider working beyond the age of 63. Own health (20%); financial gain such as salary and better pension (19%); meaningful, interesting and challenging work (15%); flexible working hours or part-time work (13%); lighter work load (13%); good work community (8%); and good work environment (6%) were stated as factors affecting the decision to continue working after the age of 63. Employees whose work involved low physical workload had less thoughts of early retirement and had considered continuing work after the age of 63 more often than those whose work involved high physical loads. Own health in particular was stated as a reason to consider continuing work by employees whose work was physically demanding.

  7. Missing Work After Retirement: The Role of Life Histories in the Retirement Adjustment Process

    PubMed Central

    Damman, Marleen; Henkens, Kène; Kalmijn, Matthijs

    2015-01-01

    Purpose of the Study: Although the process of adjustment to retirement is often assumed to be related to experiences earlier in life, quantitative empirical insights regarding these relationships are limited. This study aims to improve our understanding of adjustment to the loss of the work role, by conceptualizing retirement as a multidimensional process embedded in the individual life course. Design and Methods: Analyses are based on panel data collected in 2001, 2006–2007, and 2011 among Dutch retirees (N = 1,004). The extent to which retirees miss aspects of the work role (money/income, social contacts, status) is regressed on information about earlier life experiences, resources, and retirement transition characteristics. Results: The incidence of adjustment difficulties varies across dimensions. Predictors differ as well. A steep upward career path is associated with fewer financial adjustment difficulties but with more difficulties adjusting to the loss of status. Compared with continuously married retirees, divorced retirees without a partner are more likely to miss the social dimensions of work and those who repartnered are more likely to miss financial resources. The longer individuals are retired, the less likely they are to miss work-related social contacts. Implications: Changing life course experiences might have important consequences for retirement processes of future retirees. PMID:24381175

  8. 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

  9. A survey of retirement planning by Texas psychiatrists.

    PubMed

    Baker, F M; Warren, B H; Muraida, J; Muraida, G

    1993-01-01

    Forty-six percent (274 of 600) of the members of the Texas Society of Psychiatric Physicians responded to a mailed survey that addressed retirement issues. Forty-seven percent of respondents were 60 to 69 years of age. Only 12% were female. Ninety-one percent were white, with 86% of respondents married. Only 24% of the sample (66 of 274) were retired at the time of the survey. Although engaged in more than one area of professional activity, 71% were involved in private practice, with 51% practicing in a private office. The major reasons for retiring were "a full life and ready to change pace" (52%) and "retired to pursue other interests" (25%). Twenty percent retired because of physical illness. A mixed financial package formed their retirement package, which included social security (80%), personal savings (73%), Keogh (64%), and state/US government monies (39%). Retired psychiatrists were interested in receiving additional information on successful patterns of retirement (21%), maintaining emotional and physical health (17%), and material on the problems and trials of retirement (15%). Leisure-time activities were varied, and most psychiatrists reported two to four activities. According to 39% of the sample, retirement should be discussed during medical school, 46% indicated that it should be discussed during residency training, and 80% selected Continuing Medical Education courses.

  10. 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

  11. Income replacement ratios in the Health and Retirement Study.

    PubMed

    Purcell, Patrick J

    2012-01-01

    This article describes the income replacement ratio as a measure of retirement income adequacy and identifies several issues analysts must consider when calculating a replacement ratio. The article presents the income replacement ratios experienced by participants in the original sample cohort of the Health and Retirement Study (HRS), who were born between 1931 and 1941. Replacement ratios are shown by the respondent's birth cohort, age when first classified as retired in the HRS, and preretirement income quartile. Median replacement ratios fall as the retirement period grows longer.

  12. Pathways through which health influences early retirement: a qualitative study

    PubMed Central

    2013-01-01

    Background Due to the aeging of the population, there is a societal need for workers to prolong their working lives. In the Netherlands, many employees still leave the workforce before the official retirement age of 65. Previous quantitative research showed that poor self-perceived health is a risk factor of (non-disability) early retirement. However, little is known on how poor health may lead to early retirement, and why poor health leads to early retirement in some employees, but not in others. Therefore, the present qualitative study aims to identify in which ways health influences early retirement. Methods Face-to-face semi-structured interviews were conducted with 30 employees (60–64 years) who retired before the official retirement age of 65. Participants were selected from the Study on Transitions in Employment, Ability and Motivation. The interviews were transcribed verbatim, a summary was made including a timeline, and the interviews were open coded. Results In 15 of the 30 persons, health played a role in early retirement. Both poor and good health influenced early retirement. For poor health, four pathways were identified. First, employees felt unable to work at all due to health problems. Second, health problems resulted in a self-perceived (future) decline in the ability to work, and employees chose to retire early. Third, employees with health problems were afraid of a further decline in health, and chose to retire early. Fourth, employees with poor health retired early because they felt pushed out by their employer, although they themselves did not experience a reduced work ability. A good health influenced early retirement, since persons wanted to enjoy life while their health still allowed to do so. The financial opportunity to retire sometimes triggered the influence of poor health on early retirement, and often triggered the influence of good health. Employees and employers barely discussed opportunities to prolong working life. Conclusions

  13. Considerations about retirement from clinical practice by obstetrician-gynecologists.

    PubMed

    Rayburn, William F; Strunk, Albert L; Petterson, Stephen M

    2015-09-01

    Retirement of obstetrician-gynecologists is becoming a matter of increasing concern in light of an expected shortage of practicing physicians. Determining a retirement age is often complex. We address what constitutes a usual retirement age range from general clinical practice for an obstetrician-gynecologist, compare this with practitioners in other specialties, and suggest factors of importance to obstetrician-gynecologists before retirement. Although the proportion of obstetrician-gynecologists ≥55 years old is similar to other specialists, obstetrician-gynecologists retire at younger ages than male or female physicians in other specialties. A customary age range of retirement from obstetrician-gynecologist practice would be 59-69 years (median, 64 years). Women, who constitute a growing proportion of obstetrician-gynecologists in practice, retire earlier than men. The large cohort of "baby boomer" physicians who are approaching retirement (approximately 15,000 obstetrician-gynecologists) deserves tracking while an investigation of integrated women's health care delivery models is conducted. Relevant considerations would include strategies to extend the work longevity of those who are considering early retirement or desiring part-time employment. Likewise volunteer work in underserved community clinics or teaching medical students and residents offers continuing personal satisfaction for many retirees and preservation of self-esteem and medical knowledge. PMID:25794630

  14. 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...

  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, 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...

  17. 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...

  18. Retirement financial preparation:implications for policy.

    PubMed

    Morgan, Leslie A; Eckert, J Kevin

    2004-01-01

    Financial preparation for retirement is key to positive outcomes for future cohorts. Studies suggest that insufficient preparation is occurring among Baby Boomers. Data from community-dwelling adults (N = 1508, ages 40-70) show that most respondents (22-75%) had taken four specific preparation steps, and few reported negative attitudes toward planning. Five correlates (gathering information, locus of control, self-definition as household planner, financial worries, and negative attitudes) and demographic variables tested in bivariate analyses showed most having associations with preparation. In multivariate analyses, however, only two correlates (gathering information and negative planning attitudes) and demographics (race/ethnicity, education, income, health, age, and education) explained planning behavior.

  19. 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…

  20. 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…

  1. 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

  2. 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

  3. 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...

  4. 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...

  5. 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...

  6. Retirement Function and Community Growth in Michigan Nonmetropolitan Areas.

    ERIC Educational Resources Information Center

    Wang, Ching-li; Beegle, J. Allan

    In an effort to determine the extent to which the development of the retirement function can contribute to growth and development of rural communities, 42 counties not adjacent to Standard Metropolitan Statistical Areas in Michigan were studied. The retirement function was treated as a specialized community function, parallel to specialization…

  7. 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…

  8. 23 CFR 140.611 - Determination of bond retirement.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 23 Highways 1 2011-04-01 2011-04-01 false Determination of bond retirement. 140.611 Section 140.611 Highways FEDERAL HIGHWAY ADMINISTRATION, DEPARTMENT OF TRANSPORTATION PAYMENT PROCEDURES REIMBURSEMENT Reimbursement for Bond Issue Projects § 140.611 Determination of bond retirement....

  9. 23 CFR 140.611 - Determination of bond retirement.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 23 Highways 1 2014-04-01 2014-04-01 false Determination of bond retirement. 140.611 Section 140.611 Highways FEDERAL HIGHWAY ADMINISTRATION, DEPARTMENT OF TRANSPORTATION PAYMENT PROCEDURES REIMBURSEMENT Reimbursement for Bond Issue Projects § 140.611 Determination of bond retirement....

  10. 23 CFR 140.611 - Determination of bond retirement.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 23 Highways 1 2010-04-01 2010-04-01 false Determination of bond retirement. 140.611 Section 140.611 Highways FEDERAL HIGHWAY ADMINISTRATION, DEPARTMENT OF TRANSPORTATION PAYMENT PROCEDURES REIMBURSEMENT Reimbursement for Bond Issue Projects § 140.611 Determination of bond retirement....

  11. 23 CFR 140.611 - Determination of bond retirement.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 23 Highways 1 2012-04-01 2012-04-01 false Determination of bond retirement. 140.611 Section 140.611 Highways FEDERAL HIGHWAY ADMINISTRATION, DEPARTMENT OF TRANSPORTATION PAYMENT PROCEDURES REIMBURSEMENT Reimbursement for Bond Issue Projects § 140.611 Determination of bond retirement....

  12. 23 CFR 140.611 - Determination of bond retirement.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 23 Highways 1 2013-04-01 2013-04-01 false Determination of bond retirement. 140.611 Section 140.611 Highways FEDERAL HIGHWAY ADMINISTRATION, DEPARTMENT OF TRANSPORTATION PAYMENT PROCEDURES REIMBURSEMENT Reimbursement for Bond Issue Projects § 140.611 Determination of bond retirement....

  13. 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…

  14. Ecstasy of Emptiness? Reflections of a Retired School Principal.

    ERIC Educational Resources Information Center

    Azzara, Judith R.

    2001-01-01

    A retired elementary principal who was actively tied to her community for decades explains how to put a positive spin on retirement. New retirees should treasure their gifts and talents, develop new ones, take advantage of travel opportunities, mentor a new principal, and/or go back to college. (MLH)

  15. 76 FR 32242 - Federal Employees' Retirement System; Normal Cost Percentages

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-06-03

    ... Intelligence Agency Retirement Act of 1964 for Certain Employees--27.6%; Air traffic controllers--27.3%; Military reserve technicians--15.7%; Employees under section 303 of the Central Intelligence Agency... MANAGEMENT Federal Employees' Retirement System; Normal Cost Percentages AGENCY: Office of...

  16. [Are the retired threatened by the decline in fertility?].

    PubMed

    Blanchet, D

    1985-01-01

    The implications of current fertility trends in France for the funding of retirement costs are reviewed. Consideration is given to changes in the capital aspects of the current system, changes in the retirement age, and more efficient use of the existing labor force.

  17. 12 CFR 615.5280 - Retirement in event of default.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS Retirement of Equities and Payment of... certificates or other equities issued by a production credit association, Federal land bank association..., but shall not be required to, retire at book value not to exceed par all or part of such...

  18. Support for Retired Academic Staff: University Policies and Practices

    ERIC Educational Resources Information Center

    Tizard, Barbara

    2004-01-01

    Following an earlier survey of the attitudes and activities of academic staff who had retired three to five years earlier, a survey was undertaken of the policies and practices of university authorities in relation to supporting the academic activities of their retired staff. The sample included 21 universities in England and Scotland, and 28…

  19. The Top 13 Warning Signs that it's Time to Retire

    ERIC Educational Resources Information Center

    Forsten, Char; Grant, Jim; Hollas, Betty: Whyte, Donna

    2006-01-01

    Switching from humor to sentiment at the turn of a page, this is a great gift book for retiring teachers or any teacher having a rough day. It deals humorously with situations every teacher can relate to. An added bonus is a Donna Whyte poem that's perfect for reading at retirement celebrations.

  20. 5 CFR 843.210 - Transfers between retirement systems.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 5 Administrative Personnel 2 2012-01-01 2012-01-01 false Transfers between retirement systems. 843.210 Section 843.210 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES RETIREMENT SYSTEM-DEATH BENEFITS AND EMPLOYEE REFUNDS...

  1. 5 CFR 843.210 - Transfers between retirement systems.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 5 Administrative Personnel 2 2014-01-01 2014-01-01 false Transfers between retirement systems. 843.210 Section 843.210 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES RETIREMENT SYSTEM-DEATH BENEFITS AND EMPLOYEE REFUNDS...

  2. 5 CFR 843.210 - Transfers between retirement systems.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 5 Administrative Personnel 2 2013-01-01 2013-01-01 false Transfers between retirement systems. 843.210 Section 843.210 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES RETIREMENT SYSTEM-DEATH BENEFITS AND EMPLOYEE REFUNDS...

  3. A Self-Report Measure of Life Satisfaction in Retirement.

    ERIC Educational Resources Information Center

    Heflin, Thomas L.

    This research report had as its main purpose the derivation of a self-report measure of life satisfaction in retirement through the use of a mathematical technique known as factor analysis. Data on questions which have been used to measure moral, life satisfaction, and preretirement attitudes were collected from 123 retired male workers from a…

  4. 40 CFR 97.205 - Retired unit exemption.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ...) FEDERAL NOX BUDGET TRADING PROGRAM AND CAIR NOX AND SO2 TRADING PROGRAMS CAIR SO2 Trading Program General Provisions § 97.205 Retired unit exemption. (a)(1) Any CAIR SO2 unit that is permanently retired and is not a CAIR SO2 opt-in unit under subpart III of this part shall be exempt from the CAIR SO2 Trading...

  5. 40 CFR 96.205 - Retired unit exemption.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ...) NOX BUDGET TRADING PROGRAM AND CAIR NOX AND SO2 TRADING PROGRAMS FOR STATE IMPLEMENTATION PLANS CAIR SO2 Trading Program General Provisions § 96.205 Retired unit exemption. (a)(1) Any CAIR SO2 unit that is permanently retired and is not a CAIR SO2 opt-in unit under subpart III of this part shall...

  6. 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...

  7. 40 CFR 97.205 - Retired unit exemption.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ...) FEDERAL NOX BUDGET TRADING PROGRAM AND CAIR NOX AND SO2 TRADING PROGRAMS CAIR SO2 Trading Program General Provisions § 97.205 Retired unit exemption. (a)(1) Any CAIR SO2 unit that is permanently retired and is not a CAIR SO2 opt-in unit under subpart III of this part shall be exempt from the CAIR SO2 Trading...

  8. 40 CFR 97.205 - Retired unit exemption.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ...) FEDERAL NOX BUDGET TRADING PROGRAM AND CAIR NOX AND SO2 TRADING PROGRAMS CAIR SO2 Trading Program General Provisions § 97.205 Retired unit exemption. (a)(1) Any CAIR SO2 unit that is permanently retired and is not a CAIR SO2 opt-in unit under subpart III of this part shall be exempt from the CAIR SO2 Trading...

  9. 40 CFR 97.205 - Retired unit exemption.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ...) FEDERAL NOX BUDGET TRADING PROGRAM AND CAIR NOX AND SO2 TRADING PROGRAMS CAIR SO2 Trading Program General Provisions § 97.205 Retired unit exemption. (a)(1) Any CAIR SO2 unit that is permanently retired and is not a CAIR SO2 opt-in unit under subpart III of this part shall be exempt from the CAIR SO2 Trading...

  10. 40 CFR 96.205 - Retired unit exemption.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ...) NOX BUDGET TRADING PROGRAM AND CAIR NOX AND SO2 TRADING PROGRAMS FOR STATE IMPLEMENTATION PLANS CAIR SO2 Trading Program General Provisions § 96.205 Retired unit exemption. (a)(1) Any CAIR SO2 unit that is permanently retired and is not a CAIR SO2 opt-in unit under subpart III of this part shall...

  11. 40 CFR 96.205 - Retired unit exemption.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ...) NOX BUDGET TRADING PROGRAM AND CAIR NOX AND SO2 TRADING PROGRAMS FOR STATE IMPLEMENTATION PLANS CAIR SO2 Trading Program General Provisions § 96.205 Retired unit exemption. (a)(1) Any CAIR SO2 unit that is permanently retired and is not a CAIR SO2 opt-in unit under subpart III of this part shall...

  12. 40 CFR 97.205 - 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 SO2 Trading Program General Provisions § 97.205 Retired unit exemption. (a)(1) Any CAIR SO2 unit that is permanently retired and is not a CAIR SO2 opt-in unit under subpart III of this part shall be exempt from the CAIR SO2 Trading...

  13. 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...

  14. 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…

  15. 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…

  16. 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…

  17. 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...

  18. 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...

  19. 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...

  20. 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...

  1. 40 CFR 72.8 - Retired units exemption.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ...) 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...

  2. 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.

  3. 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)...

  4. Trends in Retirement Age in Four Countries, 1965-95.

    ERIC Educational Resources Information Center

    Gendell, Murray

    1998-01-01

    From 1965 to 1995, the United States, Germany, Japan, and Sweden all experienced a decline in the average age at which workers retire and an increase in the duration of retirement. Sweden and Germany particularly face elder dependency burdens, which may increase in the United States in the coming decade. (JOW)

  5. 5 CFR 891.104 - Responsibilities of retirement offices.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... years of age or older who is incapable of self-support because of mental or physical disability which... SERVICE REGULATIONS (CONTINUED) RETIRED FEDERAL EMPLOYEES HEALTH BENEFITS Administration and General... amount withheld to the Retired Federal Employees Health Benefits Fund, and for reporting to OPM...

  6. Gaining weight through retirement? Results from the SHARE survey.

    PubMed

    Godard, Mathilde

    2016-01-01

    This paper estimates the causal impact of retirement on the Body Mass Index (BMI) of adults aged 50-69 years old, on the probability of being either overweight or obese and on the probability of being obese. Based on the 2004, 2006 and 2010-2011 waves of the Survey of Health, Ageing and Retirement in Europe (SHARE), our identification strategy exploits variation in European Early Retirement Ages (ERAs) and stepwise increases in ERAs in Austria and Italy between 2004 and 2011 to examine an exogenous shock to retirement behavior. Our results show that retirement induced by discontinuous incentives in early retirement schemes causes a 12-percentage point increase in the probability of being obese among men within a two- to four-year period. We find that the impact of retirement is highly non-linear and mostly affects the right-hand side of the male BMI distribution. Additional results show that this pattern is driven by men retiring from strenuous jobs and by those who were already at risk of obesity. In contrast, no significant results are found among women. PMID:26708674

  7. 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…

  8. 29 CFR 1625.9 - Prohibition of involuntary retirement.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 29 Labor 4 2010-07-01 2010-07-01 false Prohibition of involuntary retirement. 1625.9 Section 1625.9 Labor Regulations Relating to Labor (Continued) EQUAL EMPLOYMENT OPPORTUNITY COMMISSION AGE... Labor interpreted the provision as “Authoriz involuntary retirement irrespective of age: Provided,...

  9. 20 CFR 404.409 - What is full retirement age?

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 20 Employees' Benefits 2 2013-04-01 2013-04-01 false What is full retirement age? 404.409 Section 404.409 Employees' Benefits SOCIAL SECURITY ADMINISTRATION FEDERAL OLD-AGE, SURVIVORS AND DISABILITY INSURANCE (1950- ) Deductions; Reductions; and Nonpayments of Benefits § 404.409 What is full retirement...

  10. 20 CFR 404.409 - What is full retirement age?

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 20 Employees' Benefits 2 2014-04-01 2014-04-01 false What is full retirement age? 404.409 Section 404.409 Employees' Benefits SOCIAL SECURITY ADMINISTRATION FEDERAL OLD-AGE, SURVIVORS AND DISABILITY INSURANCE (1950- ) Deductions; Reductions; and Nonpayments of Benefits § 404.409 What is full retirement...

  11. 20 CFR 404.409 - What is full retirement age?

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 20 Employees' Benefits 2 2012-04-01 2012-04-01 false What is full retirement age? 404.409 Section 404.409 Employees' Benefits SOCIAL SECURITY ADMINISTRATION FEDERAL OLD-AGE, SURVIVORS AND DISABILITY INSURANCE (1950- ) Deductions; Reductions; and Nonpayments of Benefits § 404.409 What is full retirement...

  12. 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 404.409 Employees' Benefits SOCIAL SECURITY ADMINISTRATION FEDERAL OLD-AGE, SURVIVORS AND DISABILITY INSURANCE (1950- ) Deductions; Reductions; and Nonpayments of Benefits § 404.409 What is full retirement...

  13. 20 CFR 404.409 - What is full retirement age?

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 20 Employees' Benefits 2 2011-04-01 2011-04-01 false What is full retirement age? 404.409 Section 404.409 Employees' Benefits SOCIAL SECURITY ADMINISTRATION FEDERAL OLD-AGE, SURVIVORS AND DISABILITY INSURANCE (1950- ) Deductions; Reductions; and Nonpayments of Benefits § 404.409 What is full retirement...

  14. 40 CFR 96.5 - Retired unit exemption.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ...) NOX BUDGET TRADING PROGRAM AND CAIR NOX AND SO2 TRADING PROGRAMS FOR STATE IMPLEMENTATION PLANS NOX Budget Trading Program General Provisions § 96.5 Retired unit exemption. (a) This section applies to any NOX Budget unit, other than a NOX Budget opt-in source, that is permanently retired. (b)(1) Any...

  15. 5 CFR 843.210 - Transfers between retirement systems.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 5 Administrative Personnel 2 2011-01-01 2011-01-01 false Transfers between retirement systems. 843.210 Section 843.210 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES RETIREMENT SYSTEM-DEATH BENEFITS AND EMPLOYEE REFUNDS...

  16. 5 CFR 843.210 - Transfers between retirement systems.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Transfers between retirement systems. 843.210 Section 843.210 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES RETIREMENT SYSTEM-DEATH BENEFITS AND EMPLOYEE REFUNDS...

  17. 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…

  18. A Longitudinal Study of Retirement in Older Male Veterans

    ERIC Educational Resources Information Center

    Schnurr, Paula P.; Lunney, Carole A.; Sengupta, Anjana; Spiro, Avron

    2005-01-01

    In this study, the authors examined the effect of retirement on psychological and physical symptoms in 404 older male veterans who were taking part in an ongoing longitudinal study. Hierarchical linear modeling was used to analyze symptom trajectories from preretirement, peri-retirement, and postretirement periods in veterans with either lifetime…

  19. 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...

  20. 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...

  1. 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...

  2. 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...

  3. 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...

  4. 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)

  5. 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...

  6. 40 CFR 97.305 - Retired unit exemption.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... on which the CAIR NOX Ozone Season unit is permanently retired. Within 30 days of the unit's...) 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...

  7. 40 CFR 97.305 - Retired unit exemption.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... on which the CAIR NOX Ozone Season unit is permanently retired. Within 30 days of the unit's...) 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...

  8. 40 CFR 97.305 - Retired unit exemption.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... on which the CAIR NOX Ozone Season unit is permanently retired. Within 30 days of the unit's...) 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...

  9. 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...

  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 Section 408.42 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES, DEPARTMENT OF HEALTH AND HUMAN... § 408.42 Deduction from railroad retirement benefits. (a) Responsibility for deductions. If an...

  11. 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…

  12. 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...

  13. 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...

  14. 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...

  15. 76 FR 41993 - Customs and Border Protection Officer Retirement

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-07-18

    ... and 842 RIN 3206-AL69 Customs and Border Protection Officer Retirement AGENCY: Office of Personnel..., to reflect changes in the retirement benefits available to customs and border protection officers... annuity benefits for customs and border protection officers employed by the United States Department...

  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. 48.508 Section 48.508 National Defense Department of Defense OFFICE OF THE SECRETARY OF DEFENSE PERSONNEL, MILITARY AND CIVILIAN RETIRED SERVICEMAN'S FAMILY PROTECTION PLAN Annuity § 48.508 Certain 100...

  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. 48.508 Section 48.508 National Defense Department of Defense OFFICE OF THE SECRETARY OF DEFENSE PERSONNEL, MILITARY AND CIVILIAN RETIRED SERVICEMAN'S FAMILY PROTECTION PLAN Annuity § 48.508 Certain 100...

  18. 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. 48.508 Section 48.508 National Defense Department of Defense OFFICE OF THE SECRETARY OF DEFENSE PERSONNEL, MILITARY AND CIVILIAN RETIRED SERVICEMAN'S FAMILY PROTECTION PLAN Annuity § 48.508 Certain 100...

  19. 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. 48.508 Section 48.508 National Defense Department of Defense OFFICE OF THE SECRETARY OF DEFENSE PERSONNEL, MILITARY AND CIVILIAN RETIRED SERVICEMAN'S FAMILY PROTECTION PLAN Annuity § 48.508 Certain 100...

  20. 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…

  1. 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: General. 831.1204 Section 831.1204 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED... personnel actions. An employee's filing for disability retirement does not require the agency to delay...

  2. 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: General. 831.1204 Section 831.1204 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED... personnel actions. An employee's filing for disability retirement does not require the agency to delay...

  3. 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: General. 831.1204 Section 831.1204 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED... personnel actions. An employee's filing for disability retirement does not require the agency to delay...

  4. [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

  5. 18 CFR 35.18 - Asset retirement obligations.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 18 Conservation of Power and Water Resources 1 2013-04-01 2013-04-01 false Asset retirement obligations. 35.18 Section 35.18 Conservation of Power and Water Resources FEDERAL ENERGY REGULATORY... Other Filing Requirements § 35.18 Asset retirement obligations. (a) A public utility that files a...

  6. 18 CFR 35.18 - Asset retirement obligations.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 18 Conservation of Power and Water Resources 1 2012-04-01 2012-04-01 false Asset retirement obligations. 35.18 Section 35.18 Conservation of Power and Water Resources FEDERAL ENERGY REGULATORY... Other Filing Requirements § 35.18 Asset retirement obligations. (a) A public utility that files a...

  7. 18 CFR 35.18 - Asset retirement obligations.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 18 Conservation of Power and Water Resources 1 2014-04-01 2014-04-01 false Asset retirement obligations. 35.18 Section 35.18 Conservation of Power and Water Resources FEDERAL ENERGY REGULATORY... Other Filing Requirements § 35.18 Asset retirement obligations. (a) A public utility that files a...

  8. 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... Other Filing Requirements § 35.18 Asset retirement obligations. (a) A public utility that files a...

  9. 18 CFR 35.18 - 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 Asset retirement obligations. 35.18 Section 35.18 Conservation of Power and Water Resources FEDERAL ENERGY REGULATORY... Other Filing Requirements § 35.18 Asset retirement obligations. (a) A public utility that files a...

  10. 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…

  11. 18 CFR 367.22 - Accounting for asset retirement obligations.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... GAS ACT General Instructions § 367.22 Accounting for asset retirement obligations. (a) An asset... 18 Conservation of Power and Water Resources 1 2010-04-01 2010-04-01 false Accounting for asset retirement obligations. 367.22 Section 367.22 Conservation of Power and Water Resources FEDERAL...

  12. 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…

  13. A Media Approach to Pre-Retirement Education

    ERIC Educational Resources Information Center

    Thorson, James A.

    1976-01-01

    The development and implementation of the Georgia Center for Continuing Education's pre-retirement planning program is described. The program (available statewide) consists of eight educational television programs dealing with various aspects of retirement planning and seminar's using team teaching to reinforce the televised programs. (MS)

  14. 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.…

  15. 32 CFR 48.508 - Certain 100 percent disability retirement.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ..., MILITARY AND CIVILIAN RETIRED SERVICEMAN'S FAMILY PROTECTION PLAN Annuity § 48.508 Certain 100 percent disability retirement. An election filed on or after August 13, 1968 is not effective if the member dies... and indemnity compensation under chapter 13, title 38 U.S. Code....

  16. 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…

  17. 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

  18. 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

  19. 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

  20. Career Influences in Bridge Employment Among Retired Police Officers.

    PubMed

    Hill, Stephen C; Snell, Andrea F; Sterns, Harvey L

    2015-07-01

    The careful examination of factors influencing bridge employment among retired police officers is largely absent in the literature. Two hundred and eleven retired police officers participated in a survey exploring factors that contributed to the participation in bridge employment or employment upon retiring from primary careers in law enforcement. The results indicate that retired officers who held part-time positions while fully employed as police officers were more likely to participate in bridge employment when compared with individuals who did not hold additional part-time employment while fully employed as police officers. Opportunities for training and interventions exist to help retired police officers navigate the working transition at this later-life juncture.

  1. 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

  2. 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

  3. 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…

  4. 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…

  5. 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.

  6. 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

  7. Understanding the effect of retirement on health: Mechanisms and heterogeneity.

    PubMed

    Eibich, Peter

    2015-09-01

    This paper investigates the mechanisms behind the health effects of retirement. Using a Regression Discontinuity Design to exploit financial incentives in the German pension system for identification, I find that retirement improves subjective health status and mental health, while also reducing outpatient care utilization. I explore a wide range of health behaviors, time use, and effect heterogeneity as potential mechanisms. Relief from work-related stress and strain, increased sleep duration as well as more frequent physical exercise seem to be key mechanisms through which retirement affects health. PMID:26079117

  8. 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....

  9. 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....

  10. 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....

  11. 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...

  12. 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)...

  13. 45 CFR 2553.11 - What is the Retired and Senior Volunteer Program?

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 45 Public Welfare 4 2010-10-01 2010-10-01 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)...

  14. 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...

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

    ERIC Educational Resources Information Center

    Bacharach, Samuel; Bamberger, Peter; Biron, Michal; 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…

  16. 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…

  17. 29 CFR Appendix D to Part 4044 - Tables Used To Determine Expected Retirement Age

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 29 Labor 9 2013-07-01 2013-07-01 false Tables Used To Determine Expected Retirement Age D Appendix... 4044—Tables Used To Determine Expected Retirement Age Table I-13—Selection of Retirement Rate Category... II-B. 3 Table II-C. Table II-A—Expected Retirement Ages for Individuals in the Low...

  18. 29 CFR Appendix D to Part 4044 - Tables Used To Determine Expected Retirement Age

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 29 Labor 9 2010-07-01 2010-07-01 false Tables Used To Determine Expected Retirement Age D Appendix... 4044—Tables Used To Determine Expected Retirement Age TABLE I-10—Selection of Retirement Rate Category... II-B. 3 Table II-C. Table II-A—Expected Retirement Ages for Individuals in the Low...

  19. 29 CFR Appendix D to Part 4044 - Tables Used To Determine Expected Retirement Age

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 29 Labor 9 2012-07-01 2012-07-01 false Tables Used To Determine Expected Retirement Age D Appendix... 4044—Tables Used To Determine Expected Retirement Age Table I-12— Selection of Retirement Rate Category... II-B. 3 Table II-C. Table II-A—Expected Retirement Ages for Individuals in the Low...

  20. 29 CFR Appendix D to Part 4044 - Tables Used To Determine Expected Retirement Age

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 29 Labor 9 2014-07-01 2014-07-01 false Tables Used To Determine Expected Retirement Age D Appendix... 4044—Tables Used To Determine Expected Retirement Age Table I-14—Selection of Retirement Rate Category... II-B. 3 Table II-C. Table II-A—Expected Retirement Ages for Individuals in the Low...

  1. 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…

  2. 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... 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...

  3. 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.…

  4. 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…

  5. 5 CFR 890.906 - Retired enrolled individuals coinsurance payments.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... payments. 890.906 Section 890.906 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES HEALTH BENEFITS PROGRAM Limit on Inpatient Hospital... payments. (a) A retired enrolled individual's coinsurance responsibility for inpatient hospital services...

  6. 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...

  7. Retirement with Protection: Survey Traces Trends in Faculty Benefit Plans.

    ERIC Educational Resources Information Center

    King, Francis P.

    1980-01-01

    Highlights current trends revealed in a survey of major community and junior college retirement, life insurance, health insurance, sick pay and sick leave, and long-term disability insurance plans. Compares benefit coverage of private and public community colleges. (CAM)

  8. What the 2008 stock market crash means for retirement security.

    PubMed

    Butrica, Barbara A; Smith, Karen E; Toder, Eric J

    2010-10-01

    The 2008 stock market crash raises concerns about retirement security, especially since the increased prevalence of 401(k) and similar retirement saving plans means that more Americans are now stakeholders in the equity market than in the past. Using a dynamic microsimulation model, this paper explores the ability of alternate future stock market scenarios to restore retirement assets. The authors find that those near retirement could fare the worst because they have no time to recoup their losses. Mid-career workers could fare better because they have more time to rebuild their wealth. They may even gain income if they buy stocks at low prices and get above-average rates of return. High-income groups will be the most affected because they are most likely to have financial assets and to be invested in the stock market.

  9. 26 CFR 1.408-2 - Individual retirement accounts.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... the interests of a large number of variable annuity contract holders. (4) Fitness to handle funds—(i... Employee Retirement Income Security Act of 1974, 29 U.S.C. 1023(a)(3)(D), who is independent of...

  10. Restructuring Employee Benefits to Meet Health Care Needs in Retirement.

    PubMed

    Ward, Richard M; Weinman, Robert B

    2015-01-01

    Health care expenses in retirement are the proverbial elephant in the room. Most employees don't know how big the elephant is. As Medicare solvency and retiree health care issues receive increasing attention, it is time to rethink overall benefit approaches and assess what is appropriate and affordable for an organization to help achieve workforce renewal goals and solve delayed retirement challenges. Just as Medicare was never designed to cover all of the post-65 retiree health care costs, neither is a workplace retirement plan designed to cover 100% of preretiree income. Now employers can consider strategies that may better equip retirees to meet both income needs and health care expenses in the most tax-efficient way. By combining defined contribution retirement and health care plans, employers have the power to increase benefits for employees while maintaining total benefits cost. PMID:26666088

  11. Retirement preparation programs: differentials in opportunity and use.

    PubMed

    Beck, S H

    1984-09-01

    Two issues rarely addressed in the retirement planning field are (a) the proportion of older workers who participate, or have the opportunity to participate, in retirement preparation programs; and (b) socioeconomic differentials in access to such programs. Data from the National Longitudinal Surveys of older men were used to investigate these two issues. The data indicate that fewer than 4% of this sample of men aged 60 to 74 in 1981 had participated in a retirement preparation program. Logistic multiple regression analysis indicated that level of education, occupational status, government employment, and private pension coverage were positively related to the likelihood of participation as well as the likelihood of opportunity to participate. Conclusions from this analysis are (a) very few older men are ever exposed to retirement preparation programs and (b) those who would seem to benefit most from preparation programs, low status and low income workers, are the least likely to have access to these programs.

  12. 47 CFR 32.1438 - Deferred maintenance and retirements.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... Section 32.1438 Telecommunication FEDERAL COMMUNICATIONS COMMISSION (CONTINUED) COMMON CARRIER SERVICES... unprovided-for loss in service value of telecommunications plant for extraordinary nonrecurring retirement not considered in depreciation and the cost of extensive replacements of plant normally chargeable...

  13. 47 CFR 32.1438 - Deferred maintenance and retirements.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... Section 32.1438 Telecommunication FEDERAL COMMUNICATIONS COMMISSION (CONTINUED) COMMON CARRIER SERVICES... unprovided-for loss in service value of telecommunications plant for extraordinary nonrecurring retirement not considered in depreciation and the cost of extensive replacements of plant normally chargeable...

  14. 47 CFR 32.1438 - Deferred maintenance and retirements.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... Section 32.1438 Telecommunication FEDERAL COMMUNICATIONS COMMISSION (CONTINUED) COMMON CARRIER SERVICES... unprovided-for loss in service value of telecommunications plant for extraordinary nonrecurring retirement not considered in depreciation and the cost of extensive replacements of plant normally chargeable...

  15. Women's receipt of Social Security retirement benefits: expectations compared to elections.

    PubMed

    Gillen, Martie; Heath, Claudia J

    2013-01-01

    This research contributes knowledge regarding the options of early, normal, or delayed receipt of Social Security retirement benefits and research-based findings regarding women's expected and actual timing of election of Social Security retirement benefits. First, descriptive analyses of alternative retirement options, based on Social Security retirement benefit rules, are provided. Second, the 2000, 2002, 2004, and 2006 waves of Health and Retirement Study (HRS) data are used to analyze women's anticipated and actual election of Social Security retirement benefits. Third, based on these considerations, recommendations are made regarding Social Security retirement benefit receipt alternatives.

  16. State and local retirement plans: innovation and renovation.

    PubMed

    Rajnes, D

    2001-07-01

    This Special Report/Issue Brief examines the universe of state and local retirement plans. It describes how these plans have developed and continue to evolve in a number of areas, including plan features, regulatory framework, governance, and asset management. While these retirement programs differ in many respects from private-sector plans, the disparity in some areas has narrowed. This report also includes a discussion of trends and the underlying forces for change. Public-sector retirement programs provide an important source of pension coverage in the United States, and are a significant part of the total retirement market: Combined public-sector retirement assets (state, local, and federal governments) comprised 29 percent of the $11.2 trillion U.S. retirement market in 1998. State and local plans are dominant in the public-sector retirement market, holding $2.7 trillion in assets, compared with $696 billion held by federal plans (both military and civilian). More than 16 million individuals are employed by state and local jurisdictions in the United States. State and local retirement plans share certain common features because of the environment in which they operate. Legal statutes, governance, and tradition all play a role in defining what is sometimes referred to as a "public-sector culture." Despite common features, there is considerable diversity among public-sector retirement plans. To attract and retain a skilled work force, public-sector employers have increased their use of defined contribution (DC) plans to supplement defined benefit (DB) plans (or, to a lesser extent, replace or serve as an alternative to them) and improve cost-of-living adjustments. At the same time, a combined federal-state regulatory framework has encouraged certain plan design features, unavailable in the private sector, which include multiple tiers for successive generations of employees in a single plan and different strategies to increase portability. State and local

  17. Retired and former asbestos workers in Hawaii

    SciTech Connect

    Fournier-Massey, G.; Wong, G.; Hall, T.C.

    1984-01-01

    In 1979, a pilot survey defined respiratory status and unmet health care needs of retired and former male asbestos workers in Hawaii. Of 1,401 identified subjects, 741 were contacted and 411 were interviewed. Forty-five subjects were between 39 and 54 years of age; 208, between 55 and 64; and 158, age 65 or more. They represented the main ethnic groups--Caucasian, Chinese, Filipino, Hawaiian and part-Hawaiian, and Japanese--on Oahu. Most subjects had had significant exposure to asbestos in a shipyard, and 83% were current nonsmokers (160 had never smoked, and 111 were ex-smokers for ten years or more). Taking age and ethnicity into account, our group had more chronic respiratory and gastrointestinal problems than the comparable male population of Oahu in 1979, but fewer such problems than active shipyard workers elsewhere. These problems related primarily to current smoking status and secondarily to the length of asbestos exposure. Health care was available, but former workers used it less than retirees, despite having more symptoms. Very few abnormalities were reported by the subjects on their chest X-rays, pulmonary function tests, and sputum cytology performed elsewhere. These findings are compared to those of other shipyards, and support the hypothesis that the biological effects of asbestos exposure are generally mild in Hawaii.

  18. Preparation à la retraite - Preparing for retirement

    ScienceCinema

    None

    2016-07-12

    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.

  19. The role of job-related rewards in retirement planning.

    PubMed

    Kosloski, K; Ekerdt, D; DeViney, S

    2001-05-01

    The authors used data from the first wave of the Health and Retirement Study ( F. Juster and R. Suzman 1995) to evaluate whether certain job-related gratifications might reduce retirement planning. Three definitions of retirement planning were evaluated and then regressed separately on a set of variables that included 3 types of job-related satisfactions (intrinsic gratification, positive social relations, and ascendance in the workplace) and 7 covariates: education, age, sex, health, marital status, race, and pension eligibility. Findings indicated that jobs high in ascendance were related to an increase in certain types of retirement planning, but jobs high in intrinsic rewards and positive social relations were related to less planning, regardless of how planning was defined. The findings suggest that information about work-related rewards may be useful in targeting individuals who might benefit from retirement planning programs, in developing planning programs to help workers realize more complex retirement plans, and in assisting employers who hope to retain older workers. PMID:11316834

  20. 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.

  1. 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

  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 role of job-related rewards in retirement planning.

    PubMed

    Kosloski, K; Ekerdt, D; DeViney, S

    2001-05-01

    The authors used data from the first wave of the Health and Retirement Study ( F. Juster and R. Suzman 1995) to evaluate whether certain job-related gratifications might reduce retirement planning. Three definitions of retirement planning were evaluated and then regressed separately on a set of variables that included 3 types of job-related satisfactions (intrinsic gratification, positive social relations, and ascendance in the workplace) and 7 covariates: education, age, sex, health, marital status, race, and pension eligibility. Findings indicated that jobs high in ascendance were related to an increase in certain types of retirement planning, but jobs high in intrinsic rewards and positive social relations were related to less planning, regardless of how planning was defined. The findings suggest that information about work-related rewards may be useful in targeting individuals who might benefit from retirement planning programs, in developing planning programs to help workers realize more complex retirement plans, and in assisting employers who hope to retain older workers.

  4. Social security, age of retirement, and economic well-being: intertemporal and demographic patterns among retired-worker beneficiaries.

    PubMed

    Haveman, Robert; Holden, Karen; Wilson, Kathryn; Wolfe, Barbara

    2003-05-01

    We examine the economic status of a sample of new recipients of social security retired-worker benefits shortly after their first receipt of benefits (1982) and 10 years later (1991). The probability that these retired-worker beneficiaries were poor or near-poor is positively and strongly associated with their acceptance of early retired-worker benefits. Early retirees, women who remained single, and women who lost their spouses experienced large declines in economic status over the decade following their first receipt of benefits. Although both women and men who first received benefits at younger ages had lower economic status than did those who became beneficiaries at older ages, this retirement age-related disadvantage increased over the decade for women but not for men. PMID:12846137

  5. A Comparative Study on Retirement Process in Korea, Germany, and the United States: Identifying Determinants of Retirement Process.

    PubMed

    Cho, Joonmo; Lee, Ayoung; Woo, Kwangho

    2016-10-01

    This study classifies the retirement process and empirically identifies the individual and institutional characteristics determining the retirement process of the aged in South Korea, Germany, and the United States. Using data from the Cross-National Equivalent File, we use a multinomial logistic regression with individual factors, public pension, and an interaction term between an occupation and an education level. We found that in Germany, the elderly with a higher education level were more likely to continue work after retirement with a relatively well-developed social support system, while in Korea, the elderly, with a lower education level in almost all occupation sectors, tended to work off and on after retirement. In the United States, the public pension and the interaction terms have no statistically significant impact on work after retirement. In both Germany and Korea, receiving a higher pension decreased the probability of working after retirement, but the influence of a pension in Korea was much greater than that of Germany. In South Korea, the elderly workers, with lower education levels, tended to work off and on repeatedly because there is no proper security in both the labor market and pension system.

  6. A Comparative Study on Retirement Process in Korea, Germany, and the United States: Identifying Determinants of Retirement Process.

    PubMed

    Cho, Joonmo; Lee, Ayoung; Woo, Kwangho

    2016-10-01

    This study classifies the retirement process and empirically identifies the individual and institutional characteristics determining the retirement process of the aged in South Korea, Germany, and the United States. Using data from the Cross-National Equivalent File, we use a multinomial logistic regression with individual factors, public pension, and an interaction term between an occupation and an education level. We found that in Germany, the elderly with a higher education level were more likely to continue work after retirement with a relatively well-developed social support system, while in Korea, the elderly, with a lower education level in almost all occupation sectors, tended to work off and on after retirement. In the United States, the public pension and the interaction terms have no statistically significant impact on work after retirement. In both Germany and Korea, receiving a higher pension decreased the probability of working after retirement, but the influence of a pension in Korea was much greater than that of Germany. In South Korea, the elderly workers, with lower education levels, tended to work off and on repeatedly because there is no proper security in both the labor market and pension system. PMID:27388889

  7. Evaluating the initial impact of eliminating the retirement earnings test.

    PubMed

    Song, Jae G

    Under the retirement earnings test, Social Security benefits are reduced if earnings exceed specified amounts, although the benefit reduction is partly offset by future benefit increases. By imposing a tax on the earnings of beneficiaries, the earnings test provided a disincentive for them to supplement retirement income by working. The Senior Citizens Freedom to Work Act of 2000 eliminated the earnings test for Social Security beneficiaries who have reached the full retirement age. This article presents the first study of labor force activity (earnings and employment) among individuals aged 65-69 before and immediately after this sudden rule change. Drawing on Social Security administrative data, the author examines three widely expected reactions: increased return to work, increased hours worked, and accelerated applications for old-age benefits. The analysis finds that removing the retirement earnings test: Encouraged some workers to increase their earnings. The increases in earnings are large and significant among higher earners but are not statistically significant among lower earners. Had little effect on employment. Removing the earnings test appears to have had no immediate, significant effect on the employment rate of older workers. Employment of older people may be affected in the longer run, however. Slightly increased the pace of applications for benefits. Applications rose about 2 percent in the 65-69 age group in 2000. The overall acceleration will probably be small, however, because most individuals in this age group apply for benefits before reaching the full retirement age. Although the current analysis captures the effects of retaining older workers in the labor force, these initial results may not capture all the effects of eliminating the retirement earnings test, however, for two reasons. First, the analysis covers only a single year--the year the earnings test was eliminated. Since eliminating the earnings test may have had little effect on

  8. 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)'.

  9. 5 CFR 839.212 - May I make a retirement coverage election if I received a refund of my retirement deductions...

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false May I make a retirement coverage election if I received a refund of my retirement deductions after I was corrected to FERS? 839.212 Section 839.212 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) CORRECTION OF RETIREMENT...

  10. 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...

  11. 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

  12. 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

  13. 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

  14. 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.

  15. 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

  16. 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

  17. 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.

  18. L'enseignement de la langue maternelle dans les ecoles francaise aujourd'hui (The Teaching of the Native Language in French Schools Today).

    ERIC Educational Resources Information Center

    Marchand, Frank

    1979-01-01

    Describes the three methods of teaching French in elementary schools in France: the traditional, the Freinet, and the "Plan de renovation pour l'enseignement du francais." A description of a model for the l980s is given. Techniques influenced by sociolinguistics seem most suited to replace traditional methodology. (AMH)

  19. Caresharing: hiding frailty in a Florida retirement community.

    PubMed

    Covan, E K

    1998-01-01

    This paper presents research findings generated from a study of the structure of a "caresharing system" for the elderly who reside in a Florida retirement community during the last decade of the twentieth century. A caresharing system is a combination of strategies employed in order to maximize pleasure and minimize losses that might otherwise be associated with communal and individual aging processes. In this instance, the caresharing system entailed a series of conscious efforts to hide frailty in the community. Consequences of such caresharing systems and implications for future retirement communities are discussed. PMID:9849190

  20. The adoption and diffusion of ambulatory care retirement housing communities.

    PubMed

    Monoky, F J; Hamway, T A; Cohen, J L

    1987-01-01

    This article is the result of an exploratory study into the factors slowing the adoption of a retirement housing community. Through research, we have identified a list of primary issues which are impeding the movement of the retirement housing community concept from the introductory stage of the product life cycle into its growth stage. We have then related each of the issues to the general factors which serve to accelerate the adoption rate and provided suggestions concerning specific strategies that will overcome each of the factors slowing the adoption rate.

  1. [Preparing for retirement. Aspects of didactic adult education].

    PubMed

    Tschentscher, G

    1989-01-01

    The beginning of the post-professional lifetime is one of the most significant transition points in human biography. Adult education is a central institution which prepares people for important changes of their living conditions after retirement. This article gives a description of motivations for an institutional preparation for retirement and shows its possible limitations. It introduces the elementary didactic categories of a differential pedagogical concept as participant-orientation and experience-orientation and shows their effects on planning, arrangement, and practice of special educational offers.

  2. Determinants of retirement timing expectations in the United States and Australia: a cross-national comparison of the effects of health and retirement benefit policies on retirement timing decisions.

    PubMed

    Sargent-Cox, Kerry A; Anstey, Kaarin J; Kendig, Hal; Skladzien, Ellen

    2012-01-01

    Data from the U.S. Health and Retirement Study (N = 2,589) and the Australian Household Income and Labour Dynamics survey (N = 1,760) were used to compare the macro-level policy frameworks on individual retirement timing expectations for pre-baby boomers (61+ years) and early baby boomers (45 to 60 years). Australian workers reported younger expected age of retirement compared to the U.S. sample. Reporting poor health was more strongly associated with younger expected retirement age in the United States than in Australia. Cohort and gender differences in the United States were found for the effect of private health insurance on younger expected age at retirement. Our results draw attention to how cross-national comparisons can inform us on the effects of policies on retirement expectations among older workers. PMID:22720888

  3. Determinants of retirement timing expectations in the United States and Australia: a cross-national comparison of the effects of health and retirement benefit policies on retirement timing decisions.

    PubMed

    Sargent-Cox, Kerry A; Anstey, Kaarin J; Kendig, Hal; Skladzien, Ellen

    2012-01-01

    Data from the U.S. Health and Retirement Study (N = 2,589) and the Australian Household Income and Labour Dynamics survey (N = 1,760) were used to compare the macro-level policy frameworks on individual retirement timing expectations for pre-baby boomers (61+ years) and early baby boomers (45 to 60 years). Australian workers reported younger expected age of retirement compared to the U.S. sample. Reporting poor health was more strongly associated with younger expected retirement age in the United States than in Australia. Cohort and gender differences in the United States were found for the effect of private health insurance on younger expected age at retirement. Our results draw attention to how cross-national comparisons can inform us on the effects of policies on retirement expectations among older workers.

  4. 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...

  5. 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...

  6. 26 CFR 11.408(a)(2)-1 - Trustee of individual retirement accounts.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... TREASURY (CONTINUED) INCOME TAX (CONTINUED) TEMPORARY INCOME TAX REGULATIONS UNDER THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974 § 11.408(a)(2)-1 Trustee of individual retirement accounts. A person...

  7. 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)

  8. [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

  9. 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...

  10. 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...

  11. 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...

  12. 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...

  13. 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...

  14. 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,…

  15. 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...

  16. 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...

  17. 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...

  18. 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...

  19. 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...

  20. 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…

  1. 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,…

  2. 12 CFR 615.5260 - Retirement of eligible borrower stock.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... AFFAIRS, LOAN POLICIES AND OPERATIONS, AND FUNDING OPERATIONS Retirement of Equities and Payment of..., participation certificates or allocated equities outstanding on January 6, 1988, or purchased as a condition of... equities for which such eligible borrower stock is exchanged in connection with a merger, consolidation,...

  3. 12 CFR 615.5270 - Retirement of other equities.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... capital position is adequate; (2) All retirements are in accordance with the institution's capital adequacy plan or capital restoration plan; (3) The institution's permanent capital ratio will be in excess... would continue to meet the minimum permanent capital standards established under subpart H of this...

  4. The afterlife for retiring deans and other senior medical administrators.

    PubMed

    Tannen, Richard L

    2008-11-01

    Career options for individuals leaving the administrative role as dean of a school of medicine or other senior administrative positions are considered. Options discussed include retirement and a variety of other positions both within schools of medicines and in other venues. Many opportunities exist for a challenging and fulfilling career path after leaving the role as a senior administrator in an academic medical center.

  5. 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…

  6. 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…

  7. 18 CFR 346.3 - Asset retirement obligations.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 18 Conservation of Power and Water Resources 1 2014-04-01 2014-04-01 false Asset retirement obligations. 346.3 Section 346.3 Conservation of Power and Water Resources FEDERAL ENERGY REGULATORY COMMISSION, DEPARTMENT OF ENERGY REGULATIONS UNDER THE INTERSTATE COMMERCE ACT OIL PIPELINE...

  8. 18 CFR 346.3 - Asset retirement obligations.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 18 Conservation of Power and Water Resources 1 2012-04-01 2012-04-01 false Asset retirement obligations. 346.3 Section 346.3 Conservation of Power and Water Resources FEDERAL ENERGY REGULATORY COMMISSION, DEPARTMENT OF ENERGY REGULATIONS UNDER THE INTERSTATE COMMERCE ACT OIL PIPELINE...

  9. 18 CFR 346.3 - Asset retirement obligations.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 18 Conservation of Power and Water Resources 1 2013-04-01 2013-04-01 false Asset retirement obligations. 346.3 Section 346.3 Conservation of Power and Water Resources FEDERAL ENERGY REGULATORY COMMISSION, DEPARTMENT OF ENERGY REGULATIONS UNDER THE INTERSTATE COMMERCE ACT OIL PIPELINE...

  10. 18 CFR 346.3 - 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 Asset retirement obligations. 346.3 Section 346.3 Conservation of Power and Water Resources FEDERAL ENERGY REGULATORY COMMISSION, DEPARTMENT OF ENERGY REGULATIONS UNDER THE INTERSTATE COMMERCE ACT OIL PIPELINE...

  11. 76 FR 20243 - Retired and Senior Volunteer Program Amendments

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-04-12

    ... grant recipients for the Retired and Service Volunteer Program (RSVP), including performance measurement... measurement requirements; (ii) Applying published selection criteria, as stated in the applicable Notice of... What is the purpose of this subpart? 2553.101 What is the purpose of performance measurement?...

  12. The Railroad Retirement Board: An Agency Promoting Training and Education.

    ERIC Educational Resources Information Center

    Thompson, Rhodda

    A study of the Railroad Retirement Board (RRB) showed that the RRB was only a microcosm of the problem of unprepared workers being experienced by employers nationwide. Implementing basic skills programs was found to be crucial because corporations and government agencies, like the RRB, found the labor pool to be poorly educated. Research on…

  13. 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…

  14. 78 FR 11551 - Compensation, Retirement Programs, and Related Benefits

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-02-19

    ... the recently adopted Compensation Disclosure Final Rule (the ``Rule''), 77 FR 60582 (Oct. 3,2012). We.... \\1\\ See 77 FR 60582. \\2\\ See 77 FR 76215. \\3\\ 12 CFR 611.360 and 611.410. Comments received on the..., 612, 619, 620, and 630 RIN 3052-AC41 Compensation, Retirement Programs, and Related Benefits...

  15. 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...

  16. 12 CFR 615.5260 - Retirement of eligible borrower stock.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... Section 615.5260 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM FUNDING AND FISCAL... equities for which such eligible borrower stock is exchanged in connection with a merger, consolidation, or... merger, consolidation or other reorganization or a transfer of territory. (2) Retirement in the...

  17. 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).

  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 Section 421.212 Public Health CENTERS FOR MEDICARE & MEDICAID SERVICES, DEPARTMENT OF HEALTH AND HUMAN... carriers designated by CMS, as set forth in § 421.210(e)(2), for processing claims for...

  19. 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…

  20. Preferred Supportive Services for Middle to Higher Income Retirement Housing.

    ERIC Educational Resources Information Center

    Regnier, Victor; Gelwicks, Louis E.

    1981-01-01

    Reports the service and facility feature preferences for retirement housing of middle and upper income elderly. Mandatory services and activities which require physical exertion were rejected, while security, convenient retail services, public transportation, and emergency health services are preferred. Underscores the importance of supportive…

  1. 26 CFR 1.405-3 - Taxation of retirement bonds.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ..., annuity, profit-sharing, or stock bonus plan, employer contributions on behalf of his common-law employees... the time he is a common-law employee, the basis is that portion of the purchase price attributable to... bond whether the individual for whom the retirement bond is purchased is a common-law employee or...

  2. 26 CFR 1.405-3 - Taxation of retirement bonds.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ..., profit-sharing, or stock bonus plan, employer contributions on behalf of his common-law employees under a... he is a common-law employee, the basis is that portion of the purchase price attributable to employee... individual for whom the retirement bond is purchased is a common-law employee or a self-employed...

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

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ..., annuity, profit-sharing, or stock bonus plan, employer contributions on behalf of his common-law employees... the time he is a common-law employee, the basis is that portion of the purchase price attributable to... bond whether the individual for whom the retirement bond is purchased is a common-law employee or...

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

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ..., annuity, profit-sharing, or stock bonus plan, employer contributions on behalf of his common-law employees... the time he is a common-law employee, the basis is that portion of the purchase price attributable to... bond whether the individual for whom the retirement bond is purchased is a common-law employee or...

  5. 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…

  6. 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,…

  7. 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…

  8. 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…

  9. 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…

  10. 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.…

  11. 5 CFR 838.611 - Identifying the retirement system.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... order must contain language identifying the retirement system to be affected. For example, “CSRS,” “FERS... in paragraphs (b)(1) and (b)(2) of this section, language referring to benefits under another..., for employees transferring to FERS, court orders directed at CSRS benefits apply to the entire...

  12. 5 CFR 838.911 - Identifying the retirement system.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    .... (a) To satisfy the requirements of § 838.804(b)(1), a court order must contain language identifying...) and (b)(2) of this section, language referring to benefits under another retirement system, such as... the court order expressly provides otherwise, for employees transferring to FERS, court...

  13. 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…

  14. 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...

  15. 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

  16. 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

  17. 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…

  18. 40 CFR 97.505 - Retired unit exemption.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... under paragraph (a)(1) of this section shall become effective the day on which the TR NOX Ozone Season...) 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...

  19. 40 CFR 97.505 - Retired unit exemption.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... under paragraph (a)(1) of this section shall become effective the day on which the TR NOX Ozone Season...) 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...

  20. 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…

  1. College and University Employee Retirement and Insurance Benefits Cost Survey.

    ERIC Educational Resources Information Center

    Teachers Insurance and Annuity Association, New York, NY. College Retirement Equities Fund.

    Results of the ninth biennial survey of 585 colleges and universities concerning expenditures for employee retirement and insurance benefits for 1993 are reported. Data are presented primarily in tabular form, with some narrative. A summary of survey highlights is included. Sample findings included: weighted average employer expenditure for…

  2. College and University Employee Retirement and Insurance Benefits Cost Survey.

    ERIC Educational Resources Information Center

    1984

    Comparative information on expenditures by colleges and universities for employee retirement and insurance benefits is presented for 1984. Results of the survey, which was administered to 639 institutions, provide information on each benefit category on: expenditures as a percentage of total gross payroll, and expenditures as dollars per employee…

  3. Retirement Planning Handbook: Washington State Faculty Association of Community Colleges.

    ERIC Educational Resources Information Center

    Silverstein, Roberta

    Designed for faculty and exempt administrators at Washington's community colleges, this handbook explains available retirement plans, deductions, and options. First, a glossary of terms and an index to sections of the handbook dealing with the concepts are provided. The bulk of the handbook uses a question/answer format to present information on…

  4. Culture Shock--The Retirement of Veteran Faculty.

    ERIC Educational Resources Information Center

    Maguire, Peter

    2001-01-01

    Discusses the wave of retiring faculty--and the new recruits who will replace them--that is due to hit community colleges. Suggests that new teachers familiarize themselves with their "political environment," such as who wields the most influence within the department and who seems accessible for help and advice. (NB)

  5. 18 CFR 154.315 - Asset retirement obligations.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... schedule, as part of the supporting workpapers, identifying all cost components related to the asset retirement obligations that are included in the book balances of all accounts reflected in the cost of service computation supporting the proposed rates. However, all cost components related to...

  6. 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: General. 831.1204 Section 831.1204 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED... regains competency or a court appoints a fiduciary, whichever is earlier. (e) An agency may consider...

  7. 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…

  8. 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 retirement. 831.1203 Section 831.1203 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED... service, or with the former employing agency or the Office of Personnel Management (OPM) within 1...

  9. 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 retirement. 831.1203 Section 831.1203 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED... service, or with the former employing agency or the Office of Personnel Management (OPM) within 1...

  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 retirement. 831.1203 Section 831.1203 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED... service, or with the former employing agency or the Office of Personnel Management (OPM) within 1...

  11. 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...

  12. 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...

  13. 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…

  14. 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…

  15. 5 CFR 1653.3 - Processing retirement benefits court orders.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ..., a court order must be written in English or be accompanied by a certified English translation and... ORDERS AND LEGAL PROCESSES AFFECTING THRIFT SAVINGS PLAN ACCOUNTS Retirement Benefits Court Orders § 1653... terminated, and the account will be unfrozen, if both parties submit to the TSP a written request for such...

  16. 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…

  17. The Art and Science of Managing Faculty Retirements

    ERIC Educational Resources Information Center

    Wheeler, David L.

    2008-01-01

    With the average age of faculty members going up and the number of students expected to go down, many colleges are encouraging professors to retire. That is not a universal urge--in some regions of the country, like the Southwest, colleges anticipate rising enrollments, and in some disciplines, like nursing, skilled faculty members are in short…

  18. 75 FR 35096 - Federal Employees' Retirement System; Present Value Factors

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-06-21

    ... provide survivor annuity benefits based on a post- retirement marriage or divorce under 5 U.S.C. 8416(b), 8416(c), or 8417(b). Under section 11004 of the Omnibus Budget Reconciliation Act of 1993, Public Law... deposit computed under the old law and translate it into a lifetime reduction in the retiree's...

  19. 76 FR 32243 - Federal Employees' Retirement System; Present Value Factors

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-06-03

    ... benefits based on a post- retirement marriage or divorce under 5 U.S.C. 8416(b), 8416(c), or 8417(b). Under section 11004 of the Omnibus Budget Reconciliation Act of 1993, Public Law 103-66, 107 Stat. 312... the old law and translate it into a lifetime reduction in the retiree's benefit. The reduction...

  20. 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…

  1. Work and Retirement: Employees over 40 and Their Views.

    ERIC Educational Resources Information Center

    American Association of Retired Persons, Washington, DC.

    A nationwide study of more than 1,300 full-time workers aged 40 or older was conducted to determine their characteristics, activities, and attitudes toward retirement. Most of those surveyed had spouses who also worked, and most considered their health better than average. Government at all levels was the biggest single employer of workers over…

  2. Pennies on the Dollar: How Illinois Shortchanges Its Teachers' Retirement

    ERIC Educational Resources Information Center

    Kan, Leslie; Fuchs, Daniel; Aldeman, Chad

    2016-01-01

    Illinois' pension plans have sent the state on a downward spiral. One out of every four dollars that state taxpayers send to Springfield goes toward pensions, and the vast majority of these contributions go toward paying down large pension debt, not the actual retirement benefits given to state and local workers like teachers. The teacher pension…

  3. 5 CFR 831.1203 - Basic requirements for disability retirement.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... retirement. 831.1203 Section 831.1203 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED... be incompatible with either useful and efficient service or retention in the position. (3) The... service, or with the former employing agency or the Office of Personnel Management (OPM) within 1...

  4. Accommodation and relocation decision making in continuing care retirement communities.

    PubMed

    Netting, F E; Wilson, C C

    1991-11-01

    Accommodations and relocations in continuing care retirement communities (CCRCs) affect the lives of staff and residents. This article defines the CCRC concept and reviews the literature relevant to accommodation and relocation changes within CCRCs. Implications for health and human services practitioners who work with older CCRC residents, along with specific issues, are discussed.

  5. 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…

  6. 20 CFR 200.3 - Obtaining forms from the Railroad Retirement Board.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 20 Employees' Benefits 1 2011-04-01 2011-04-01 false Obtaining forms from the Railroad Retirement Board. 200.3 Section 200.3 Employees' Benefits RAILROAD RETIREMENT BOARD GENERAL ADMINISTRATION GENERAL ADMINISTRATION § 200.3 Obtaining forms from the Railroad Retirement Board. Forms used by the Board,...

  7. 26 CFR 1.1402(c)-4 - Individuals under Railroad Retirement System.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 26 Internal Revenue 12 2014-04-01 2014-04-01 false Individuals under Railroad Retirement System. 1... Individuals under Railroad Retirement System. The performance of service by an individual as an employee or... under the railroad retirement system, does not constitute a trade or business....

  8. 26 CFR 1.1402(c)-4 - Individuals under Railroad Retirement System.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 26 Internal Revenue 12 2013-04-01 2013-04-01 false Individuals under Railroad Retirement System. 1... Individuals under Railroad Retirement System. The performance of service by an individual as an employee or... under the railroad retirement system, does not constitute a trade or business....

  9. 26 CFR 31.6001-3 - Additional records under Railroad Retirement Tax Act.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 26 Internal Revenue 15 2014-04-01 2014-04-01 false Additional records under Railroad Retirement... Railroad Retirement Tax Act. (a) Records of employers. (1) Every employer liable for tax under the Railroad... settlement of taxes under the Railroad Retirement Tax Act made pursuant to the regulations in this part....

  10. 20 CFR 404.631 - Statements filed with the Railroad Retirement Board.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 20 Employees' Benefits 2 2012-04-01 2012-04-01 false Statements filed with the Railroad Retirement... Written Statement § 404.631 Statements filed with the Railroad Retirement Board. A written statement filed with the Railroad Retirement Board will be considered a written statement filed with us under the...

  11. 26 CFR 31.6001-3 - Additional records under Railroad Retirement Tax Act.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 26 Internal Revenue 15 2013-04-01 2013-04-01 false Additional records under Railroad Retirement... Railroad Retirement Tax Act. (a) Records of employers. (1) Every employer liable for tax under the Railroad... settlement of taxes under the Railroad Retirement Tax Act made pursuant to the regulations in this part....

  12. 20 CFR 404.631 - Statements filed with the Railroad Retirement Board.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 20 Employees' Benefits 2 2013-04-01 2013-04-01 false Statements filed with the Railroad Retirement... Written Statement § 404.631 Statements filed with the Railroad Retirement Board. A written statement filed with the Railroad Retirement Board will be considered a written statement filed with us under the...

  13. 20 CFR 200.3 - Obtaining forms from the Railroad Retirement Board.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 20 Employees' Benefits 1 2012-04-01 2012-04-01 false Obtaining forms from the Railroad Retirement Board. 200.3 Section 200.3 Employees' Benefits RAILROAD RETIREMENT BOARD GENERAL ADMINISTRATION GENERAL ADMINISTRATION § 200.3 Obtaining forms from the Railroad Retirement Board. Forms used by the Board,...

  14. 20 CFR 404.631 - Statements filed with the Railroad Retirement Board.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 20 Employees' Benefits 2 2014-04-01 2014-04-01 false Statements filed with the Railroad Retirement... Written Statement § 404.631 Statements filed with the Railroad Retirement Board. A written statement filed with the Railroad Retirement Board will be considered a written statement filed with us under the...

  15. 20 CFR 200.3 - Obtaining forms from the Railroad Retirement Board.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 20 Employees' Benefits 1 2013-04-01 2012-04-01 true Obtaining forms from the Railroad Retirement Board. 200.3 Section 200.3 Employees' Benefits RAILROAD RETIREMENT BOARD GENERAL ADMINISTRATION GENERAL ADMINISTRATION § 200.3 Obtaining forms from the Railroad Retirement Board. Forms used by the Board,...

  16. 26 CFR 31.6001-3 - Additional records under Railroad Retirement Tax Act.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 26 Internal Revenue 15 2012-04-01 2012-04-01 false Additional records under Railroad Retirement... Railroad Retirement Tax Act. (a) Records of employers. (1) Every employer liable for tax under the Railroad... settlement of taxes under the Railroad Retirement Tax Act made pursuant to the regulations in this part....

  17. 26 CFR 31.6001-3 - Additional records under Railroad Retirement Tax Act.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 26 Internal Revenue 15 2011-04-01 2011-04-01 false Additional records under Railroad Retirement... Railroad Retirement Tax Act. (a) Records of employers. (1) Every employer liable for tax under the Railroad... settlement of taxes under the Railroad Retirement Tax Act made pursuant to the regulations in this part....

  18. 20 CFR 404.631 - Statements filed with the Railroad Retirement Board.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 20 Employees' Benefits 2 2011-04-01 2011-04-01 false Statements filed with the Railroad Retirement... Written Statement § 404.631 Statements filed with the Railroad Retirement Board. A written statement filed with the Railroad Retirement Board will be considered a written statement filed with us under the...

  19. 20 CFR 200.3 - Obtaining forms from the Railroad Retirement Board.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 20 Employees' Benefits 1 2014-04-01 2012-04-01 true Obtaining forms from the Railroad Retirement Board. 200.3 Section 200.3 Employees' Benefits RAILROAD RETIREMENT BOARD GENERAL ADMINISTRATION GENERAL ADMINISTRATION § 200.3 Obtaining forms from the Railroad Retirement Board. Forms used by the Board,...

  20. 26 CFR 1.1402(c)-4 - Individuals under Railroad Retirement System.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 26 Internal Revenue 12 2011-04-01 2011-04-01 false Individuals under Railroad Retirement System. 1... Individuals under Railroad Retirement System. The performance of service by an individual as an employee or... under the railroad retirement system, does not constitute a trade or business....