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Income Replacement Rates among Canadian Seniors: The Effect of Widowhood and Divorce

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  • Sébastien LaRochelle-Côté
  • John Myles
  • Garnett Picot

Abstract

Using a longitudinal database and fixed-effects models, we assess the effect of the death of a spouse and divorce after age 55 on income replacement rates during the retirement years. We find that among women, separation/divorce has a larger negative effect than widowhood. The effect of divorce/separation is greatest among women from higher-income families, where there is more reliance on private pension and investment income. Reliance on public pension income reduces the effect of divorce on replacement rates for lower-income women. Among men, in contrast, separation/divorce has little effect on replacement rates and widowhood actually raises replacement rates among middle- and higher-income men.

Suggested Citation

  • Sébastien LaRochelle-Côté & John Myles & Garnett Picot, 2012. "Income Replacement Rates among Canadian Seniors: The Effect of Widowhood and Divorce," Canadian Public Policy, University of Toronto Press, vol. 38(4), pages 471-495, December.
    • Handle: RePEc:cpp:issued:v:38:y:2012:i:4:p:471-495
    DOI: 10.3138/CPP.38.4.471
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    Cited by:

    1. Céline Le Bourdais & Sung-Hee Jeon & Shelley Clark & Évelyne Lapierre-Adamcyk, 2016. "Impact of conjugal separation on women’s income in Canada: Does the type of union matter?," Demographic Research, Max Planck Institute for Demographic Research, Rostock, Germany, vol. 35(50), pages 1489-1522.
    2. Léa Cimelli, 2023. "Are the widowed too much insured? Survivor’s pensions and living standards upon widowhood in France," Working Papers 279, French Institute for Demographic Studies.
    3. Nicholas-James Clavet & Mayssun El-Attar & Raquel Fonseca, 2022. "Replacement Rates of Public Pensions in Canada: Heterogeneity across SocioEconomic Status," Cahiers de recherche / Working Papers 2202, Chaire de recherche sur les enjeux économiques intergénérationnels / Research Chair in Intergenerational Economics.
    4. Rachel Margolis & Youjin Choi & Feng Hou & Michael Haan, 2019. "Capturing trends in Canadian divorce in an era without vital statistics," Demographic Research, Max Planck Institute for Demographic Research, Rostock, Germany, vol. 41(52), pages 1453-1478.
    5. LoRiggio, Tessa & Morris, Todd, 2024. "The Gender Wealth Gap near Retirement in Canada," IZA Policy Papers 207, Institute of Labor Economics (IZA).

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