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Women’s Timing of Receipt of Social Security Retirement Benefits

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  • Martie Gillen
  • Claudia Heath

Abstract

The 2000–2006 waves of Health and Retirement Study data were used to estimate the effects of human capital characteristics and income sources on women’s timing of receipt of Social Security retirement benefits. Using logistic regression, the likelihood of early election of benefits was increased by earnings regardless of marital status; and, for married women, by husband’s age being greater than wife’s, and by other income. For married women, education decreased the likelihood of electing early benefits. For unmarried women, IRA/annuity income reduced the likelihood of early receipt of benefits. Using multinomial logistic regression, the likelihood of combinations of expected and actual benefit receipt options were estimated. A greater percentage of married, compared to unmarried, women expected and elected early benefits. Copyright Springer Science+Business Media New York 2014

Suggested Citation

  • Martie Gillen & Claudia Heath, 2014. "Women’s Timing of Receipt of Social Security Retirement Benefits," Journal of Family and Economic Issues, Springer, vol. 35(3), pages 362-375, September.
    • Handle: RePEc:kap:jfamec:v:35:y:2014:i:3:p:362-375
    DOI: 10.1007/s10834-013-9374-z
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    References listed on IDEAS

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    Cited by:

    1. Deanna L. Sharpe, 2021. "Reinventing Retirement," Journal of Family and Economic Issues, Springer, vol. 42(1), pages 11-19, July.
    2. Hernik Joanna & Sagan Adam, 2023. "An Attempt to Measure and Model Women’s Attitudes to Saving for Retirement," Folia Oeconomica Stetinensia, Sciendo, vol. 23(1), pages 84-106, June.
    3. Elizabeth Ann Whitaker & Janet L. Bokemeier, 2018. "Spousal, Family and Gender Effects on Expected Retirement Age for Married Pre-retirees," Journal of Family and Economic Issues, Springer, vol. 39(3), pages 371-385, September.
    4. Lu Fan & Richard Stebbins & Kyoung Tae Kim, 2022. "Skint: Retirement? Financial Hardship and Retirement Planning Behaviors," Journal of Family and Economic Issues, Springer, vol. 43(2), pages 354-367, June.

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