WorldWideScience

Sample records for gender-based retirement annuities

  1. Immunization and Hedging of Post Retirement Income Annuity Products

    Directory of Open Access Journals (Sweden)

    Changyu Liu

    2017-03-01

    Full Text Available Designing post retirement benefits requires access to appropriate investment instruments to manage the interest rate and longevity risks. Post retirement benefits are increasingly taken as a form of income benefit, either as a pension or an annuity. Pension funds and life insurers offer annuities generating long term liabilities linked to longevity. Risk management of life annuity portfolios for interest rate risks is well developed but the incorporation of longevity risk has received limited attention. We develop an immunization approach and a delta-gamma based hedging approach to manage the risks of adverse portfolio surplus using stochastic models for mortality and interest rates. We compare and assess the immunization and hedge effectiveness of fixed-income coupon bonds, annuity bonds, as well as longevity bonds, using simulations of the portfolio surplus for an annuity portfolio and a range of risk measures including value-at-risk. We show how fixed-income annuity bonds can more effectively match cash flows and provide additional hedge effectiveness over coupon bonds. Longevity bonds, including deferred longevity bonds, reduce risk significantly compared to coupon and annuity bonds, reflecting the long duration of the typical life annuity and the exposure to longevity risk. Longevity bonds are shown to be effective in immunizing surplus over short and long horizons. Delta gamma hedging is generally only effective over short horizons. The results of the paper have implications for how providers of post retirement income benefit streams can manage risks in demanding conditions where innovation in investment markets can support new products and increase the product range.

  2. 5 CFR 831.616 - Elections by previously retired retiree with new title to an annuity.

    Science.gov (United States)

    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...

  3. 20 CFR 225.35 - When a PIA used in computing a retirement annuity can be increased for DRC's.

    Science.gov (United States)

    2010-04-01

    ... annuity can be increased for DRC's. 225.35 Section 225.35 Employees' Benefits RAILROAD RETIREMENT BOARD... Credits § 225.35 When a PIA used in computing a retirement annuity can be increased for DRC's. Delayed... follows: DRC's earned for month in Are added to PIA Years before the year the employee annuity begins...

  4. Optimal retirement planning with a focus on single and multilife annuities

    DEFF Research Database (Denmark)

    Konicz, Agnieszka Karolina; Weissensteiner, Alex

    We optimize the asset allocation, consumption and bequest decisions of an investor with uncertain lifetime and under time-varying investment opportunities. The asset menu is given by stocks, zero coupon bonds and pure endowments with different maturities. The latter are contingent on either...... a single or a joint life, and pay fixed or variable benefits. We further include transaction costs on stocks and bonds, and surrender charges on pure endowments. We show that despite high surrender charges, annuities are the primary asset class in a portfolio, and that annuity income is never fully...... consumed, but used for rebalancing purposes. We argue that the optimal retirement product for a household is much more complex than any of those available in the market. Every household should be offered an annuity tailored to its needs, using a unique combination of assets and mortality protection levels....

  5. Optimal retirement planning with a focus on single and multilife annuities

    DEFF Research Database (Denmark)

    Konicz, Agnieszka Karolina; Pisinger, David; Weissensteiner, Alex

    We optimize the asset allocation, consumption and bequest decisions of an investor with uncertain lifetime and under time-varying investment opportunities. The asset menu is given by stocks, zero coupon bonds and pure endowments with dierent maturities. The latter are contingent on either a single...... or a joint life, and pay xed or variable benets. We further include transaction costs on stocks and bonds, and surrender charges on pure endowments. We show that despite high surrender charges, annuities are the primary asset class in a portfolio, and that annuity income is never fully consumed, but used...... for rebalancing purposes. We argue that the optimal retirement product for a household is much more complex than any of those available in the market. Every household should be oered an annuity tailored to its needs, using a unique combination of assets and mortality protection levels....

  6. Optimal retirement planning with a focus on single and joint life annuities

    DEFF Research Database (Denmark)

    Bell, Agnieszka Karolina Konicz; Pisinger, David; Weissensteiner, Alex

    2016-01-01

    We optimize the asset allocation, consumption and bequest decisions of a couple with an uncertain lifetime. The asset menu consists of zero coupon bonds and pure endowments with different maturities, whole life annuities and stocks. The pure endowments pay either fixed or variable benefits, and......, similarly to the whole life annuities, are contingent on either a single or a joint lifetime. We model the stock returns and the parameters for the term structure with a vector autoregressive model, thus considering time-varying investment opportunities. To find the optimal solution we use a multi...

  7. 45 CFR 1627.7 - Tax sheltered annuities, retirement accounts and pensions.

    Science.gov (United States)

    2010-10-01

    ... pensions. 1627.7 Section 1627.7 Public Welfare Regulations Relating to Public Welfare (Continued) LEGAL... accounts and pensions. No provision contained in this part shall be construed to affect any payment by a..., retirement account, or pension fund. ...

  8. 26 CFR 54.4974-1 - Excise tax on accumulations in individual retirement accounts or annuities.

    Science.gov (United States)

    2010-04-01

    ... retirement account decides to begin receiving distributions from the account beginning in 1986. H's wife, W... the account over the joint life and last survivor expectancy of himself and his wife. On January 1... the joint life and last survivor expectancy of H and his wife is 22.0 years (see Table II of §...

  9. 26 CFR 20.2039-5 - Annuities under individual retirement plans.

    Science.gov (United States)

    2010-04-01

    ... establishes an individual retirement plan described in section 408(a) (“IRA B”) on February 6, 1981, in order...). B dies August 14, 1981. C, an individual, is the sole beneficiary under IRA B. The amount in IRA B ($238,000) is payable to C in whole or part as C may elect. Because the amount in IRA B is payable to...

  10. 弹性退休制下退休年金的随机精算模型与模拟测算∗%The Stochastic Actuarial Models and Simulation about Retirement Annuity under Flexible Retirement System

    Institute of Scientific and Technical Information of China (English)

    孙荣

    2016-01-01

    弹性退休制是应对老龄化的社会养老保险制度改革未来选择之一,因此研究该制度下的退休年金精算问题具有重要的理论与现实意义。本文运用二项分布拟合退休年龄,带跳的非连续随机微分方程拟合利率,带跳Feller过程拟合死力强度,分析了弹性退休制下退休年金寿险精算函数,给出了生命年金、退休年金、退休年金二阶矩精算现值与均衡净保费的表达式,并利用模型对相关精算函数进行模拟测算。这些公式为弹性退休制下的保险金、均衡保险费等提供了精算分析的理论基础,从而为我国养老保险制度改革的制度设计、防控养老保险帐户风险提供了依据。%The flexible retirement system is one of the options of society endowment insurance system to deal with the aging. Therefore, the pension annuity under the system has important impact on theory and practice. This paper investigates the actuarial function of retirement annuity under the flexible retirement system. Under the hypothesis that the distribution of the retirement age is binomial distribution, the interest rate is decided by the discontinuous stochastic differential equations with jumps, and the death intensity is decided by Feller process with a jump. The formulas of the retirement annuity are proposed, including the life annuities, insurance, net premiums and insurance actuarial present value of second moment, and the sim-ulatived estimation for the relevant actuarial functions is derived. These formulas provide the basis of the actuarial analysis of insurance and balance insurance under the flexible retirement system, thus they can be applied for the old-age insurance system and control of risk pension account in China.

  11. Annuitants Added to the Annuity Roll Processing System (ARPS)

    Data.gov (United States)

    Office of Personnel Management — Small table showing the total Civil Service Retirement System (CSRS) and Federal Employees Retirement System (FERS) Annuitants added to the Annuity Roll Processing...

  12. Securing Retirement at a Young Age. Exploring the Intention to Buy Longevity Annuities through an Extended Version of the Theory of Planned Behavior

    Directory of Open Access Journals (Sweden)

    Costanza Nosi

    2017-06-01

    Full Text Available Since the early 90s, Italy has undergone radical changes in the regulations of the public pension system aimed at mending its main drawbacks and improving sustainability in the long run. The reforms were intended to recover the national economy through a significant reduction of benefits by increasing, particularly for younger people, individual responsibility for the accumulation of retirement wealth. Adopting an enhanced version of the Theory of Planned Behavior (TPB, which includes affective reactions, the present paper aims to understand the factors influencing the intention to enroll in a private pension plan through the purchase of longevity annuity coverage on the part of young adults. A purposive sample of 7480 Italian people aged 25–35 participated in the survey. Collected data were analyzed adopting an ordinal logistic regression (OLR model. The findings confirm the predictive power of the TPB in the financial field of longevity annuity buying, show that anticipated affective reactions increase the predictive power of the TPB model, and reveal that the influence of the investigated constructs varies alongside people’s willingness to purchase. The outcomes provide useful recommendations to the policy maker and private companies to favor the adoption of wide-spread desired behaviors among citizenships.

  13. 5 CFR 831.641 - Division of a survivor annuity.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Division of a survivor annuity. 831.641... REGULATIONS (CONTINUED) RETIREMENT Survivor Annuities Eligibility § 831.641 Division of a survivor annuity. (a... comply with a court order under subpart Q, a survivor annuity may be divided into a combination of...

  14. 20 CFR 227.2 - Initial supplemental annuity rate.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 1 2010-04-01 2010-04-01 false Initial supplemental annuity rate. 227.2... COMPUTING SUPPLEMENTAL ANNUITIES § 227.2 Initial supplemental annuity rate. The supplemental annuity rate, before reduction for the railroad retirement family maximum or any private pension, is $23 for...

  15. 26 CFR 1.401-14 - Inclusion of medical benefits for retired employees in qualified pension or annuity plans.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 5 2010-04-01 2010-04-01 false Inclusion of medical benefits for retired...-Sharing, Stock Bonus Plans, Etc. § 1.401-14 Inclusion of medical benefits for retired employees in... employer providing such medical benefits by reason of permanent disability. For purposes of the...

  16. 5 CFR 831.683 - Annuities for former spouses of employees or Members retired before May 7, 1985.

    Science.gov (United States)

    2010-01-01

    ... death, and was eligible to retire at the time of death), is entitled, after the death of the retiree... death, and was eligible to retire at the time of death), is entitled, after the death of the retiree... spouse to certify under the penalty provided by section 1001 of title 18, United States Code, that he...

  17. 20 CFR 228.22 - Entitlement to more than one survivor annuity.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 1 2010-04-01 2010-04-01 false Entitlement to more than one survivor annuity... RETIREMENT ACT COMPUTATION OF SURVIVOR ANNUITIES The Tier I Annuity Component § 228.22 Entitlement to more than one survivor annuity. If an individual is entitled to more than one survivor annuity, only...

  18. 20 CFR 218.16 - When a surviving divorced spouse annuity begins.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 1 2010-04-01 2010-04-01 false When a surviving divorced spouse annuity... RAILROAD RETIREMENT ACT ANNUITY BEGINNING AND ENDING DATES When an Annuity Begins § 218.16 When a surviving divorced spouse annuity begins. (a) A surviving divorced spouse annuity begins on the later of either...

  19. Retirement Options to Offer College Faculty.

    Science.gov (United States)

    Felicetti, Daniel A.

    1982-01-01

    Retirement options available to institutions are outlined, including early retirement incentives, phased retirement, facilitating consulting opportunities, travel and outplacement services, maintaining community involvement, annuities, and pensions. Suggestions are made for increasing cost-effectiveness and fitting the options to local…

  20. Retirement Options to Offer College Faculty.

    Science.gov (United States)

    Felicetti, Daniel A.

    1982-01-01

    Retirement options available to institutions are outlined, including early retirement incentives, phased retirement, facilitating consulting opportunities, travel and outplacement services, maintaining community involvement, annuities, and pensions. Suggestions are made for increasing cost-effectiveness and fitting the options to local…

  1. 5 CFR 842.504 - Amount of annuity supplement.

    Science.gov (United States)

    2010-01-01

    ... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES RETIREMENT SYSTEM-BASIC ANNUITY Annuity Supplement § 842.504 Amount..., excluding military service not performed during an absence of leave without pay from civilian service... with the year in which the annuity supplement commences; (ii) For an employee or Member who...

  2. 5 CFR 842.613 - Division of a survivor annuity.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Division of a survivor annuity. 842.613... REGULATIONS (CONTINUED) FEDERAL EMPLOYEES RETIREMENT SYSTEM-BASIC ANNUITY Survivor Elections § 842.613 Division of a survivor annuity. (a) The maximum combined total of all current and former spouse...

  3. 5 CFR 843.313 - Elections between survivor annuities.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Elections between survivor annuities. 843... Former Spouse Benefits § 843.313 Elections between survivor annuities. (a) A current spouse annuity... retirement system for Government employees” does not include Survivor Benefit Payments from a...

  4. 20 CFR 226.52 - Total annuity subject to maximum.

    Science.gov (United States)

    2010-04-01

    ... rate effective on the date the supplemental annuity begins, before any reduction for a private pension... 20 Employees' Benefits 1 2010-04-01 2010-04-01 false Total annuity subject to maximum. 226.52... COMPUTING EMPLOYEE, SPOUSE, AND DIVORCED SPOUSE ANNUITIES Railroad Retirement Family Maximum § 226.52...

  5. 5 CFR 831.651 - Commencing and terminating dates of survivor annuities.

    Science.gov (United States)

    2010-01-01

    ... survivor annuities. 831.651 Section 831.651 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) RETIREMENT Survivor Annuities Payment of Survivor Annuities § 831.651 Commencing and terminating dates of survivor annuities. (a) Except as provided in paragraph...

  6. 5 CFR 831.645 - Elections between survivor annuities.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Elections between survivor annuities. 831... REGULATIONS (CONTINUED) RETIREMENT Survivor Annuities Eligibility § 831.645 Elections between survivor...” does not include Survivor Benefit Payments from a military retirement system or social...

  7. Early Retirement from Colleges and Universities: Considerations under the Employee Retirement Income Security Act.

    Science.gov (United States)

    Shapiro, Larry E.

    1980-01-01

    Important considerations for institutions wanting to establish supplementary early retirement benefits to encourage the practice are outlined. Regulations concerning pension plans, tax-sheltered annuities, and deferred compensation are reviewed. Individually negotiated early retirement supplements are not recommended. (MSE)

  8. 2012 Retirement Choices

    Science.gov (United States)

    2012-06-01

    Military retirements come in the form of pensions . Pensions are risk-free, tax- sheltered, inflation-adjusted annuities with options for spousal...that decision. We describe the REDUX/bonus option as an early, partial cash-out of the servicemember’s retirement pension that the member pays back... pension benefits) and we calculate the implied APR or interest rate for this loan. For example, an E-7 who retires at age 38 with 20 years of service

  9. Retirement Choice 2014

    Science.gov (United States)

    2014-09-01

    military retirement will end up costing $4.5 To summarize, military pensions are risk-free, tax-sheltered, inflation- adjusted annuities with options...Ann Parcell—and from critical insights provided by Kathleen Utgoff (former Director of the Pension Benefit Guarantee Corporation), John Warner...servicemember’s retirement pension . This $30,000 cash-out will be “paid back” later in the form of reduced retirement checks. By providing

  10. Military Retirement Fund Audited Financial Statements. Fiscal Year 2011

    Science.gov (United States)

    2011-11-04

    the payment of pensions to retired military personnel, annuities to eligible survivors, and special compensation for certain disabled retirees. C...Balance not yet Disbursed represents the amount of earned and accrued pension and annuity payments. The MRF balance represents benefits payable on...to pay pensions to retired military personnel and annuities to their survivors. The Military Retirement System is a single-employer, defined benefit

  11. Health cost risk : A potential solution to the annuity puzzle

    NARCIS (Netherlands)

    Peijnenburg, J.M.J.; Nijman, Theo; Werker, Bas

    2016-01-01

    We find that health cost risk lowers optimal annuity demand at retirement. If medical expenses can be sizeable early in retirement, full annuitisation at retirement is no longer optimal because agents do not have enough time to build a liquid wealth buffer. Furthermore, large deviations from optimal

  12. 22 CFR 19.11-2 - Regular survivor annuity for a former spouse.

    Science.gov (United States)

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Regular survivor annuity for a former spouse... survivor annuity for a former spouse. (a) Divorce prior to retirement. If a participant or former... share of such a principal's maximum regular survivor annuity (based on service performed prior to...

  13. 20 CFR 216.93 - Entitlement to more than one survivor annuity.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 1 2010-04-01 2010-04-01 false Entitlement to more than one survivor annuity. 216.93 Section 216.93 Employees' Benefits RAILROAD RETIREMENT BOARD REGULATIONS UNDER THE RAILROAD... than one survivor annuity. If an individual is entitled to more than one survivor annuity, only...

  14. 20 CFR 225.25 - RR Earnings PIA used in survivor annuities.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 1 2010-04-01 2010-04-01 false RR Earnings PIA used in survivor annuities... RETIREMENT ACT PRIMARY INSURANCE AMOUNT DETERMINATIONS PIA's Used in Computing Survivor Annuities and the Amount of the Residual Lump-Sum Payable § 225.25 RR Earnings PIA used in survivor annuities. The...

  15. 20 CFR 225.24 - SS Earnings PIA used in survivor annuities.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 1 2010-04-01 2010-04-01 false SS Earnings PIA used in survivor annuities... RETIREMENT ACT PRIMARY INSURANCE AMOUNT DETERMINATIONS PIA's Used in Computing Survivor Annuities and the Amount of the Residual Lump-Sum Payable § 225.24 SS Earnings PIA used in survivor annuities. The...

  16. 78 FR 53704 - Employee Retirement Benefit Plan Returns Required on Magnetic Media

    Science.gov (United States)

    2013-08-30

    ... maintaining a pension, annuity, stock bonus, profit-sharing, or other funded plan of deferred compensation, or....'' P is required to file 40 Forms 1099-R, ``Distributions From Pensions, Annuities, Retirement, Profit... (including Forms 1099-R ``Distributions From Pensions, Annuities, Retirement, Profit-Sharing Plans,...

  17. Impact of Retirement Choices of Early Career Marines: A Choice Analysis Model

    Science.gov (United States)

    2013-03-01

    impacts on retention/retirement. 3 E. LIMITS OF RESEARCH The military’s promise of a pension after 20 years of dedicated service has always been a...a military member retires with 20 years of service the member will immediately receive a monthly annuity for the rest of his life. The annuity is...retirement compensation annuity specified by the employer. 8 slight decrease in retirement pay. This plan was popular in the 1980s, when the plan was

  18. 5 CFR Appendix A to Subpart F of... - List of Events for Which Inclusion of NAFI Service May Affect the Rate of Annuity Payable

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false List of Events for Which Inclusion of... of Part 847—List of Events for Which Inclusion of NAFI Service May Affect the Rate of Annuity Payable... of annuity. CSRS disability retirement Commencing date of annuity. 1 FERS disability retirement...

  19. The Need for Reforming the Department of Defense Retirement Program

    Science.gov (United States)

    2010-06-04

    year vestment and immediate annuity is one of the best pension program available to a non-disabled employee in America. No other governmental of civil... pension programs have the potential to provide a retirement annuity for twice as long as the employment status. Even at a portion of the employment...such a way that is fair to current and retired service members it must grandfather the basic annuity . Furthermore, failure to act now will only delay

  20. 26 CFR 1.37-3 - Credit for individuals under age 65 who have public retirement system income.

    Science.gov (United States)

    2010-04-01

    ... taxable year. They include income from pensions and annuities, interest, rents, dividends, certain bonds... close of the taxable year, retirement income consists only of income from pensions and annuities... system” means a pension, annuity, or retirement, or similar fund or system established by the...

  1. 5 CFR Appendix A to Subpart I of... - Recommended Language for Court Orders Awarding Former Spouse Survivor Annuities

    Science.gov (United States)

    2010-01-01

    ... Awarding Former Spouse Survivor Annuities A Appendix A to Subpart I of Part 838 Administrative Personnel... RETIREMENT BENEFITS Terminology Used in Court Orders Awarding Former Spouse Survivor Annuities Pt. 838, Subpt... Spouse Survivor Annuities This appendix provides recommended language for use in court orders...

  2. 5 CFR 838.932 - Court orders that permit the former spouse to elect to receive a former spouse survivor annuity.

    Science.gov (United States)

    2010-01-01

    ... spouse to elect to receive a former spouse survivor annuity. 838.932 Section 838.932 Administrative... AFFECTING RETIREMENT BENEFITS Terminology Used in Court Orders Awarding Former Spouse Survivor Annuities... spouse survivor annuity. (a) Except as provided in paragraph (b) of this section, a court order...

  3. 2014 Retirement Choices

    Science.gov (United States)

    2014-09-01

    annuities with options for spousal benefits (such as the Survivor Benefit Plan) on the death of the member. Such private pension provisions are very...the course of a Marine’s lifetime. Military retirements come in the form of pensions . Pensions are risk-free, tax- sheltered, inflation-adjusted...best way to think about this is to consider REDUX’s $30,000 Career Status Bonus as an early cash-out of part of a Marine’s retirement pension . We can

  4. 20 CFR 225.22 - Employee RIB PIA used in survivor annuities.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 1 2010-04-01 2010-04-01 false Employee RIB PIA used in survivor annuities... Amount of the Residual Lump-Sum Payable § 225.22 Employee RIB PIA used in survivor annuities. The Employee Retirement Insurance Benefit PIA (Employee RIB PIA) is used to compute the employee RIB amount...

  5. 20 CFR 225.36 - Effect of DRC's on survivor annuities.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 1 2010-04-01 2010-04-01 false Effect of DRC's on survivor annuities. 225.36... PRIMARY INSURANCE AMOUNT DETERMINATIONS Delayed Retirement Credits § 225.36 Effect of DRC's on survivor... surviving divorced spouse annuity. All DRC's, including credits earned in the year of death, can be used...

  6. 20 CFR 216.62 - Who is eligible for an annuity as a surviving divorced spouse.

    Science.gov (United States)

    2010-04-01

    ...) Is not entitled to an old-age benefit under the Social Security Act that is equal to or higher than the surviving divorced spouse's annuity before any reduction for age; and either (3) Has attained... annuity.); (5) Is less than retirement age but has in his or her care a child who either is under age...

  7. Who Foregoes Survivor Protection in Employer-Sponsored Pension Annuities? (Brief Article)

    Science.gov (United States)

    Johnson, Richard W.; Uccello, Cori E.; Goldwyn, Joshua H.

    2005-01-01

    Purpose: Retirees in traditional pension plans must generally choose between single life annuities, which provide regular payments until death, and joint and survivor annuities, which pay less each month but continue to make payments to the spouse after the death of the retired worker. This article examines the payout decision and measures the…

  8. 26 CFR 11.401(a)-11 - Qualified joint and survivor annuities.

    Science.gov (United States)

    2010-04-01

    ... (CONTINUED) INCOME TAX (CONTINUED) TEMPORARY INCOME TAX REGULATIONS UNDER THE EMPLOYEE RETIREMENT INCOME SECURITY ACT OF 1974 § 11.401(a)-11 Qualified joint and survivor annuities. (a) In general—(1) General rule...

  9. 5 CFR Appendix A to Subpart F of... - Recommended Language for Court Orders Dividing Employee Annuities

    Science.gov (United States)

    2010-01-01

    ... PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) COURT ORDERS AFFECTING RETIREMENT BENEFITS Terminology Used in Court Orders Affecting Employee Annuities or Refunds of Employee Contributions... has considered the requirements and standard terminology provided in part 838 of Title 5, Code...

  10. 22 CFR 19.10-3 - Marriage after retirement.

    Science.gov (United States)

    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...

  11. 76 FR 52539 - Federal Employees' Retirement System; Present Value Conversion Factors for Spouses of Deceased...

    Science.gov (United States)

    2011-08-23

    ... MANAGEMENT 5 CFR Part 843 RIN 3206-AM29 Federal Employees' Retirement System; Present Value Conversion... to subpart C of part 843 to make the annuity actuarially equivalent to the present value of the... Subpart C of Part 843--Present Value Conversion Factors for Earlier Commencing Date of Annuities...

  12. 26 CFR 54.4974-2 - Excise tax on accumulations in qualified retirement plans.

    Science.gov (United States)

    2010-04-01

    ... section 408(a) (including a Roth IRA described in section 408A); (e) An individual retirement annuity described in section 408(b) (including a Roth IRA described in section 408A); or (f) Any other...

  13. 76 FR 55213 - Technical Amendments to Federal Employees' Retirement System; Present Value Conversion Factors...

    Science.gov (United States)

    2011-09-07

    ... RIN 3206-AM29 Technical Amendments to Federal Employees' Retirement System; Present Value Conversion...--Present Value Conversion Factors for Earlier Commencing Date of Annuities of Current and Former Spouses...

  14. 5 CFR 831.664 - Post-retirement survivor election deposits that were partially paid before October 1, 1993.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Post-retirement survivor election... OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) RETIREMENT Survivor Annuities Survivor Election Deposits § 831.664 Post-retirement survivor election deposits that...

  15. 77 FR 49029 - Submission for Review: Annuity Supplement Earnings Report, RI 92-22

    Science.gov (United States)

    2012-08-15

    ... MANAGEMENT Submission for Review: Annuity Supplement Earnings Report, RI 92- 22 AGENCY: U.S. Office of Personnel Management. ACTION: 60-Day Notice and request for comments. SUMMARY: The Retirement Services, Office of Personnel Management (OPM) offers the general public and other federal agencies the...

  16. 77 FR 66188 - Submission for Review: Reinstatement of Disability Annuity Previously Terminated Because of...

    Science.gov (United States)

    2012-11-02

    ... MANAGEMENT Submission for Review: Reinstatement of Disability Annuity Previously Terminated Because of Restoration to Earning Capacity, RI 30-9 AGENCY: U.S. Office of Personnel Management. ACTION: 30-Day Notice and request for comments. SUMMARY: The Retirement Services, Office of Personnel Management...

  17. 77 FR 33008 - Submission for Review: Reinstatement of Disability Annuity Previously Terminated Because of...

    Science.gov (United States)

    2012-06-04

    ... MANAGEMENT Submission for Review: Reinstatement of Disability Annuity Previously Terminated Because of Restoration to Earning Capacity, RI 30-9 AGENCY: Office of Personnel Management. ACTION: 60-Day Notice and request for comments. SUMMARY: The Retirement Services, Office of Personnel Management (OPM) offers...

  18. 5 CFR 846.304 - Computing FERS annuities for persons with CSRS service.

    Science.gov (United States)

    2010-01-01

    ... (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) FEDERAL EMPLOYEES RETIREMENT SYSTEM-ELECTIONS OF COVERAGE... service. (a)(1) The basic annuity of an employee who elected FERS coverage is an amount equal to the sum... apply to accrued benefits under this paragraph. (3) Sick leave creditable under § 831.302 of...

  19. 20 CFR 225.23 - Combined Earnings PIA used in survivor annuities.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 1 2010-04-01 2010-04-01 false Combined Earnings PIA used in survivor... RAILROAD RETIREMENT ACT PRIMARY INSURANCE AMOUNT DETERMINATIONS PIA's Used in Computing Survivor Annuities and the Amount of the Residual Lump-Sum Payable § 225.23 Combined Earnings PIA used in...

  20. 20 CFR 234.33 - Survivor annuities.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 1 2010-04-01 2010-04-01 false Survivor annuities. 234.33 Section 234.33... PAYMENTS Annuities Due but Unpaid at Death § 234.33 Survivor annuities. Any survivor annuity which is unpaid at the death of the survivor is paid in the same order and amounts as described in § 234.31(a)...

  1. Office of the Secretary of Defense Retirement Options

    Science.gov (United States)

    2014-09-01

    majority of officers are male. Data for life expectancies were extrapolated from the DOD Office of the Actuary Life Expectancy Rate. This rate was...All the data for annuity payments were based on the DOD Office of the Actuary Statistical Report on the Military Retirement System Fiscal Year 2013...represent the possible payouts at a certain YOS and rank. Information on estimated age of retirement and estimated life expectancy based on DOD actuary

  2. Military Retirement and Wealth Forecasting During DOD Manpower Drawdown

    Science.gov (United States)

    2013-09-01

    merit throughout the DoD as well as other organizations with similar retirement structures and pensions . The methodological approach also...Hurd & Rohwedder, 2010) such as choosing mutual funds with high fees; selecting high-cost mortgages; and selecting high-cost pension managers (Lusardi...RETIREMENT COMPENSATION 1. Direct Compensation Since 1986, the defined benefit compensation for Marine retirees is an annuity payment computed at

  3. Military Retirement: Reform for the 21st Century Force

    Science.gov (United States)

    2011-03-24

    monthly annuity . The servicemember receives this pension , regardless of age, based on a specific percentage of their retired computation base. This...percentage is determined by multiplying 2.5 times the number of years they serve up to 30 YOS, for a maximum of 75%. The pension received by a...30 years of service, 3 this does not increase the percentage used to determine the amount of their retirement pension . To the contrary, a

  4. 42 CFR 408.42 - Deduction from railroad retirement benefits.

    Science.gov (United States)

    2010-10-01

    ... SERVICES MEDICARE PROGRAM PREMIUMS FOR SUPPLEMENTARY MEDICAL INSURANCE Deduction From Monthly Benefits § 408.42 Deduction from railroad retirement benefits. (a) Responsibility for deductions. If an enrollee... benefits or a civil service annuity, or both. (b) Action when benefits are suspended. If the...

  5. 76 FR 32241 - Civil Service Retirement System; Present Value Factors

    Science.gov (United States)

    2011-06-03

    ... MANAGEMENT Civil Service Retirement System; Present Value Factors AGENCY: Office of Personnel Management... instrumentalities. This notice is necessary to conform the present value factors to changes in the economic...: The revised present value factors apply to survivor reductions or employee annuities that commence...

  6. 75 FR 35093 - Civil Service Retirement System; Present Value Factors

    Science.gov (United States)

    2010-06-21

    ... MANAGEMENT Civil Service Retirement System; Present Value Factors AGENCY: Office of Personnel Management... instrumentalities. ] This notice is necessary to conform the present value factors to changes in demographic factors... revised present value factors apply to survivor reductions or employee annuities that commence on or...

  7. Applying a Stochastic Financial Planning System to an Individual: Immediate or Deferred Life Annuities?

    DEFF Research Database (Denmark)

    Konicz, Agnieszka Karolina; Mulvey, John M.

    2013-01-01

    Individuals are often faced with financial decisions that have long-term implications for themselves and their families, but they have few sources of unbiased assistance. The authors suggest that a stochastic financial planning system, properly constructed and calibrated, can be applied to a number...... of such financial decisions, especially in the retirement arena. They present as an example the choice to purchase a life annuity for a middle-aged person. Buyers must choose whether to purchase before retirement or at the date of retirement. The article provides some guidelines on whether or not to purchase...

  8. 5 CFR 841.703 - Increases on basic annuities and survivor annuities.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Increases on basic annuities and survivor... Adjustments § 841.703 Increases on basic annuities and survivor annuities. (a) Except as provided in §§ 841.704, 841.706, and 841.707, and paragraph (e) of this section, COLA's on basic annuities and...

  9. 78 FR 28006 - Submission for Review: 3206-0194, Annuity Supplement Earnings Report, RI 92-22

    Science.gov (United States)

    2013-05-13

    ... MANAGEMENT Submission for Review: 3206-0194, Annuity Supplement Earnings Report, RI 92-22 AGENCY: U.S. Office of Personnel Management. ACTION: 30-Day Notice and request for comments. SUMMARY: The Retirement Services, Office of Personnel Management (OPM) offers the general public and other Federal agencies...

  10. 20 CFR 216.63 - Who is eligible for an annuity as a remarried widow(er).

    Science.gov (United States)

    2010-04-01

    ...: (i) After having attained age 60 (after age 50 if disabled); or (ii) Before age 60 but the marriage terminated; (2) Is not entitled to an old-age benefit under the Social Security Act that is equal to or... reduced annuity); (5) Has not attained retirement age but has in his or her care a child who either...

  11. 26 CFR 1.408-3 - Individual retirement annuities.

    Science.gov (United States)

    2010-04-01

    ... the individual to designate a beneficiary to receive the proceeds in the event of his death, a... and over the same period as described in § 1.408-2 (b) (6). (4) Distribution upon death. If the owner...) Premature distribution tax on deemed distribution. If the individual has not attained age 591/2 before...

  12. CONSTANT ELASTICITY OF VARIANCE MODEL AND ANALYTICAL STRATEGIES FOR ANNUITY CONTRACTS

    Institute of Scientific and Technical Information of China (English)

    XIAO Jian-wu; YIN Shao-hua; QIN Cheng-lin

    2006-01-01

    The constant elasticity of variance(CEV) model was constructed to study a defined contribution pension plan where benefits were paid by annuity. It also presents the process that the Legendre transform and dual theory can be applied to find an optimal investment policy during a participant's whole life in the pension plan. Finally, two explicit solutions to exponential utility function in the two different periods (before and after retirement) are revealed. Hence, the optimal investment strategies in the two periods are obtained.

  13. Optimal Time-Consistent Investment Strategy for a DC Pension Plan with the Return of Premiums Clauses and Annuity Contracts

    Directory of Open Access Journals (Sweden)

    De-Lei Sheng

    2014-01-01

    Full Text Available Defined contribution and annuity contract are merged into one pension plan to study both accumulation phase and distribution phase, which results in such effects that both phases before and after retirement being “defined”. Under the Heston’s stochastic volatility model, this paper focuses on mean-variance insurers with the return of premiums clauses to study the optimal time-consistent investment strategy for the DC pension merged with an annuity contract. Both accumulation phase before retirement and distribution phase after retirement are studied. In the time-consistent framework, the extended Hamilton-Jacobi-Bellman equations associated with the optimization problem are established. Applying stochastic optimal control technique, the time-consistent explicit solutions of the optimal strategies and the efficient frontiers are obtained. In addition, numerical analysis illustrates our results and also deepens our knowledge or understanding of the research results.

  14. 22 CFR 19.10-2 - Reduced annuity with regular survivor annuity to spouse or former spouse.

    Science.gov (United States)

    2010-04-01

    ...'s reduced annuity would then be further reduced by this pension ($13,220-$4,957.50) to provide an... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Reduced annuity with regular survivor annuity... SYSTEM § 19.10-2 Reduced annuity with regular survivor annuity to spouse or former spouse. (a)...

  15. The Mexican Pension Annuity Market

    OpenAIRE

    Impavido, Gregorio

    2007-01-01

    This paper analyzes the performance and development of the Mexican pension annuity market established as a consequence of the 1997 pension reform. The Mexican experience displays interesting characteristics providing lessons for other countries that still need to design the decumulation phase of their newly established second pillars. At the same, time it raises some technical and policy c...

  16. Comparative Analysis of TIAA/CREF and North Dakota Public Employee Retirement System Pension Fund. North Dakota Economic Studies Number 55.

    Science.gov (United States)

    Lee, Jeong W.

    Quantitative financial measures were applied to evaluate the performance of the North Dakota Public Employee Retirement System (NDPERS) pension fund portfolios and the Teachers Insurance and Annuity Association (TIAA)/College Retirement Equities Fund (CREF) portfolios, thus providing a relative performance assessment. Ten years of data were…

  17. Reserve Retirement Equality: Treating Reserves Fairly While Saving Taxpayer Dollars

    Science.gov (United States)

    2010-06-09

    Reserves’ sacrifices are every bit as significant as their regular counterparts, their military retirement annuity is not: many Regulars draw...outlays in check while meeting the goal of treating all of our fighting men and women equally. 15. SUBJECT TERMS Pension , deferred compensation...KEY TERMS: Pension , Deferred Compensation, Budget CLASSIFICATION: Unclassified Perhaps at no time in its history has the United States asked

  18. United States Military Non-Disabled Retirement Pay: Let it Stand!

    Science.gov (United States)

    2013-04-17

    military force must be young and vibrant: Most civilian sector pension plans require employees to reach normal retirement age (typically 62-65...to be eligible for an unreduced retirement annuity . However most civilian employers do not require youth and vigor of their employees, nor are they...during the extended field service required over the period 1812- 1861. While the law provided a pension of one-half pay for disabled officers, there

  19. Optimization-based guidelines to retirement planning and pension product design

    DEFF Research Database (Denmark)

    Konicz Bell, Agnieszka Karolina

    's degree of risk aversion or time left to retirement, but also characteristics such as current wealth, expected income before and after retirement, expected pension contributions, impatience factor, lifetime expectancy, and preferences regarding portfolio composition and the level of death benefit......, how to invest the savings, which annuity to purchase, and which level of death benefit to choose. In most of the papers we follow a classical approach and maximize the expected CRRA utility of either the final wealth, or the consumption and bequest amount. Scholars refer to the aforementioned....... Consequently, pension providers should offer variable life annuities that are tailored to the individuals' needs in terms of the underlying asset allocation, the payout profile, and the level of death benefit. The next three chapters discuss the purchase of the right annuity. We start with investigating...

  20. 5 CFR 844.403 - Annuity rights after a disability annuity terminates.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Annuity rights after a disability annuity terminates. 844.403 Section 844.403 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL... disability annuity is terminated because of recovery or restoration of earning capacity and the individual...

  1. 38 CFR 3.811 - Minimum income annuity and gratuitous annuity.

    Science.gov (United States)

    2010-07-01

    ... 38 Pensions, Bonuses, and Veterans' Relief 1 2010-07-01 2010-07-01 false Minimum income annuity and gratuitous annuity. 3.811 Section 3.811 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF... minimum income annuity payment for beneficiaries entitled to improved pension by subtracting the...

  2. 26 CFR 1.408-4 - Treatment of distributions from individual retirement arrangements.

    Science.gov (United States)

    2010-04-01

    ... transfer incident to divorce), be deemed a distribution to such individual from such account or annuity of... account ceases to be an individual retirement account by reason of the application of section 408(e)(2... provisions of section 408(f) shall not apply to such amount. (g) Transfer incident to divorce—(1)...

  3. 22 CFR 19.10-4 - Death or divorce of a spouse and remarriage after retirement.

    Science.gov (United States)

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Death or divorce of a spouse and remarriage...-4 Death or divorce of a spouse and remarriage after retirement. (a) If the marriage of an annuitant... spouse is dissolved by divorce or by death of the spouse, the retiree's annuity shall be recomputed,...

  4. It's time to retire. Retirement.

    Science.gov (United States)

    Dychtwald, Ken; Erickson, Tamara; Morison, Bob

    2004-03-01

    Companies have been so focused on down-sizing to contain costs that they've largely neglected a looming threat to their competitiveness: a severe shortage of talented workers. The general population is aging and with it, the labor pool. People are living longer, healthier lives, and the birthrate is at a historical low. During the next 15 years, 80% of the native-born workforce growth in North America--and even more in much of Western Europe--is going to be in the over-50 age cohort. When these mature workers begin to retire, there won't be nearly enough young people entering the workforce to compensate. The Bureau of Labor Statistics projects a shortfall of 10 million workers in the United States in 2010, and in countries where the birthrate is well below the population replacement level (particularly in Western Europe), the shortage will hit sooner, be more severe, and remain chronic. The problem won't just be a lack of bodies. Skills, knowledge, experience, and relationships walk out the door every time somebody retires--and they take time and money to replace. And while the brain drain is beginning now, the problem is going to become much more acute in the next decade or so, when baby boomers--more than one-quarter of all Americans, amounting to 76 million people--start hitting their mid sixties. Based on the results of their yearlong research project, the authors of this article offer recommendations for gaining the loyalty of older workers and creating a more flexible approach to retirement that allows people to continue contributing well into their sixties and seventies. Companies can no longer afford to think of retirement as a onetime event, permanently dividing work life from leisure.

  5. 5 CFR Appendix B to Subpart J of... - Guidelines for Interpreting State Court Orders Awarding Survivor Annuity Benefits to Former Spouses

    Science.gov (United States)

    2010-01-01

    ... is not retiring under the disability provision of the law and who is in good health. The retiree may... entitled at the time of the divorce will be interpreted to award a former spouse annuity in the same amount as they had at the time of divorce. E. Orders that fail to state the amount of the former...

  6. 5 CFR 838.711 - Maximum former spouse survivor annuity.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Maximum former spouse survivor annuity... Orders Awarding Former Spouse Survivor Annuities Limitations on Survivor Annuities § 838.711 Maximum former spouse survivor annuity. (a) Under CSRS, payments under a court order may not exceed the...

  7. 5 CFR 837.702 - Offset from supplemental survivor annuity.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Offset from supplemental survivor annuity... survivor annuity. (a) OPM will reduce a supplemental survivor annuity (an annuity under 5 U.S.C. 8341) based on the service of an individual who performed CSRS-Offset service, if the survivor annuitant...

  8. 5 CFR 838.612 - Distinguishing between annuities and contributions.

    Science.gov (United States)

    2010-01-01

    ... Orders Affecting Employee Annuities or Refunds of Employee Contributions Identification of Benefits § 838.612 Distinguishing between annuities and contributions. (a) A court order using “annuities,” “pensions... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Distinguishing between annuities...

  9. 5 CFR 837.303 - Annuity offset.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Annuity offset. 837.303 Section 837.303...) REEMPLOYMENT OF ANNUITANTS Coverage and Contributions § 837.303 Annuity offset. (a) Applicability. When the... been waived under 5 U.S.C. 8345(d) or 8465(a)), the pay of the reemployed annuitant shall be offset...

  10. 26 CFR 1.401(a)-20 - Requirements of qualified joint and survivor annuity and qualified preretirement survivor annuity.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 5 2010-04-01 2010-04-01 false Requirements of qualified joint and survivor annuity and qualified preretirement survivor annuity. 1.401(a)-20 Section 1.401(a)-20 Internal Revenue... survivor annuity and qualified preretirement survivor annuity. Q-1: What are the survivor...

  11. Annuity Markets in Chile : Competition, Regulation - and Myopia?

    OpenAIRE

    Walker, Eduardo

    2006-01-01

    The author studies annuity rates in Chile and relates them with industry competition. He finds (1) that annuity insurance companies paying higher broker commissions paid lower annuity rates; and (2) a structural break of the long-run elasticity of annuity rates to the risk-free rate in 2001. Moreover, this structural break coincided with the submission of a new draft pension law proposing greater transparency in annuity markets and a generalized drop in broker commissions. The high commission...

  12. Children's gender-based reasoning about toys.

    Science.gov (United States)

    Martin, C L; Eisenbud, L; Rose, H

    1995-10-01

    The goal of these studies was to investigate how preschool children use gender-based reasoning in making judgments about toy preferences for themselves and for others. In Studies 1 and 2, children (n = 22, n = 71) were shown unfamiliar, non-sex-typed toys and asked to rate how much they, other girls, and other boys would like each toy. As expected, children made gender-based inferences: "What I like, children of my sex will also like, and children of the other sex will not like." Study 3 was designed to assess how children use gender-based reasoning to make decisions about attractive and unattractive toys when they are given gender labels. Children (n = 91) were shown unfamiliar toys varying in attractiveness that were given explicit gender labels (e.g., "this is a toy girls really like") or no label. With a different experimenter (to avoid demand characteristics), children rated their own and others' liking of the toys. Children used gender labels to guide their own preferences and their expectations for others. Even with very attractive toys, children liked toys less if they were labeled as being for the other sex, and expected other girls and boys to do the same. The role of gender-based reasoning in cognitive theories of gender and on children's play preferences is discussed.

  13. ERISA 4044 (Immediate and Deferred) Annuities

    Data.gov (United States)

    Pension Benefit Guaranty Corporation — The select and ultimate interest rates are issued for the specific purpose of determining the present value of annuities in involuntary and distress terminations of...

  14. DUAL RANDOM MODEL OF INCREASING ANNUITY

    Institute of Scientific and Technical Information of China (English)

    HeWenjiong; ZhangYi

    2001-01-01

    The dual random models about the life insurance and social pension insurance have received considerable attention in the recent articles on actuarial theory and applications. This paper discusses a general kind of increasing annuity based on its force of interest accumulationfunction as a general random process. The dual random model of the present value of the benefits of the increasing annuity has been set, and their moments have been calculated under certainconditions.

  15. 5 CFR 831.1210 - Annuity rights after a disability annuity terminates.

    Science.gov (United States)

    2010-01-01

    ... terminates. 831.1210 Section 831.1210 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED... annuity stops because of recovery or restoration to earning capacity if the individual is not reemployed... individual whose annuity stops because of recovery or restoration to earning capacity and who is not...

  16. Media approach to gender-based violence

    Directory of Open Access Journals (Sweden)

    Mršević Zorica

    2012-01-01

    Full Text Available The author grounds her research and the latter analysis on continually conducted daily press-clipping of seven main printed daily newspapers and two main electronic media in Serbia, within the three years period (2009 - 2011. An analysis of media reports on gender based violence, with particular focus on the most frequent domestic violence cases within the two years period, 2010 to 2011 is presented. As the best of media reports on gender based violence, the author stressed out its „whistle blower“ role - media are the main source of information on cases, dimensions and forms of gender based violence. Also the worse moments of media reporting in the mentioned period are presented - when the violence was justified or when reality is deformed by presenting these cases as romantic love stories. For example, in 2010 the worst was reporting on the „Pajčin/Kapisoda“ case, while in 2011 it was the „Ponjiger“ case. In the end, the author also warned on the worrysome fact of sudden dissapearance of media reports on partners’ murdering their wives after the last such report published in mid-october 2011, which could mean that now we have a new problem of diminished freedom of media.

  17. Help Is Available on Tax-Deferred Annuity Programs.

    Science.gov (United States)

    School Administrator, 1985

    1985-01-01

    Briefly reviews different types of tax-deferred annuities (TDA's) and describes the National Education Association's TDA Studies--comparative analyses of specific fixed, variable, and qualified mutual fund annuity packages. (PGD)

  18. Pension Demand and Utility: The Life Annuity Puzzle

    OpenAIRE

    Tomáš Cipra

    2014-01-01

    This paper shows by means of the concept of utility that annuitization through life annui-ties or a pension can be an efficient instrument for the economic assurance of seniors. Various quantitative arguments are presented supporting this statement (e.g. annuity equivalent wealth [AEW] is calculated using Czech data). In conclusion, some practical arguments are mentioned regarding why the real demand on life annuities contradicts this result so that a so-called annuity puzzle arises in pensio...

  19. How deep is the annuity market participation puzzle?

    OpenAIRE

    Inkmann, Joachim; Lopes, Paula; Michaelides, Alexander

    2007-01-01

    Using UK microeconomic data, we analyze the empirical determinants of voluntary annuity market demand. We find that annuity market participation increases with financial wealth, life expectancy and education and decreases with other pension income and a possible bequest motive for surviving spouses. We then show that these empirically-motivated determinants of annuity market participation have the same, quantitatively important, effects in a life-cycle model of annuity and life insurance dema...

  20. Early Retirement Programs.

    Science.gov (United States)

    Everett, Peter W.

    1984-01-01

    Early retirement programs offer individuals an alternative to the work ethic while allowing them to maintain job security. Examples are given of several early, partial, and phased retirement programs currently being used in universities and public school systems. (DF)

  1. 29 CFR 4044.71 - Valuation of annuity benefits.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 9 2010-07-01 2010-07-01 false Valuation of annuity benefits. 4044.71 Section 4044.71 Labor Regulations Relating to Labor (Continued) PENSION BENEFIT GUARANTY CORPORATION PLAN TERMINATIONS... Valuation of annuity benefits. The value of a benefit which is to be paid as an annuity is the cost...

  2. 26 CFR 509.114 - Private pensions and life annuities.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 19 2010-04-01 2010-04-01 false Private pensions and life annuities. 509.114...) REGULATIONS UNDER TAX CONVENTIONS SWITZERLAND General Income Tax § 509.114 Private pensions and life annuities. (a) General. Private pensions and life annuities derived from sources within the United States and...

  3. 26 CFR 521.111 - Pensions and life annuities.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 19 2010-04-01 2010-04-01 false Pensions and life annuities. 521.111 Section... Denmark and of Danish Corporations § 521.111 Pensions and life annuities. Under the provisions of Article X(2) of the convention, private pensions and life annuities derived from sources within the United...

  4. 26 CFR 514.6 - Private pensions and life annuities.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 19 2010-04-01 2010-04-01 false Private pensions and life annuities. 514.6...) REGULATIONS UNDER TAX CONVENTIONS FRANCE Withholding of Tax § 514.6 Private pensions and life annuities. (a) Exemption from tax. Private pensions and life annuities as defined in paragraph (d) of this section, derived...

  5. 5 CFR 837.701 - Offset from supplemental annuity.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Offset from supplemental annuity. 837.701... REGULATIONS (CONTINUED) REEMPLOYMENT OF ANNUITANTS CSRS Offset § 837.701 Offset from supplemental annuity. (a) OPM will reduce the supplemental annuity of an individual who has performed CSRS-Offset service,...

  6. 26 CFR 1.664-2 - Charitable remainder annuity trust.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 8 2010-04-01 2010-04-01 false Charitable remainder annuity trust. 1.664-2... TAX (CONTINUED) INCOME TAXES Estates and Trusts Which May Accumulate Income Or Which Distribute Corpus § 1.664-2 Charitable remainder annuity trust. (a) Description. A charitable remainder annuity trust...

  7. Students in Danger: Gender-Based Violence in Our Schools.

    Science.gov (United States)

    Equity Issues, 1996

    1996-01-01

    This newsletter examines the causes, consequences, and prevention of gender-based violence. First, gender-based violence is defined and common examples are presented. Discussed next are the following factors associated with gender-based violence: the culture continually reinforces the notions of male aggressiveness/power/dominance and female…

  8. Human Capital and Retirement

    NARCIS (Netherlands)

    P. Alders

    1999-01-01

    textabstractThis paper investigates the relation between human capital and retirement when the age of retirement is endogenous. This relation is examined in a life-cycle earnings model. An employee works full time until retirement. The worker accumulates human capital by training- on-the-job and by

  9. 5 CFR 831.1006 - Offset from disability or survivor annuity.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Offset from disability or survivor... survivor annuity. (a) OPM will reduce the disability annuity (an annuity under 5 U.S.C. 8337) of an... has been provided. (c) OPM will reduce a survivor annuity (an annuity under 5 U.S.C. 8341) based...

  10. Optimal annuity portfolio under inflation risk

    DEFF Research Database (Denmark)

    Konicz, Agnieszka Karolina; Pisinger, David; Weissensteiner, Alex

    2015-01-01

    functions: 1) maximization of the expected CRRA utility function, and 2) minimization of squared deviations from an in ation-adjusted target. To find the optimal decisions we apply a multi-stage stochastic programming approach. Our findings indicate that independently of the considered objective function......The paper investigates the importance of in ation-linked annuities to individuals facing in ation risk. Given the investment opportunities in nominal, real, and variable annuities, as well as cash and stocks, we investigate the consumption and investment decisions under two different objective...

  11. Gender-based violence: a crucial challenge for public health.

    Science.gov (United States)

    Sanjel, S

    2013-01-01

    This article attempts to summarize the situations of gender-based violence, a major public health issue. Due to the unequal power relations between men and women, women are violated either in family, in the community or in the State. Gender-based violence takes different forms like physical, sexual or psychological/ emotional violence. The causes of gender-based violence are multidimensional including social, economic, cultural, political and religious. The literatures written in relation to the gender-based violence are accessed using electronic databases as PubMed, Medline and Google scholar, Google and other Internet Websites between 1994 and first quarter of 2013 using an internet search from the keywords such as gender-based violence, women violence, domestic violence, wife abuse, violence during pregnancy, women sexual abuse, political gender based violence, cultural gender-based violence, economical gender-based violence, child sexual abuse and special forms of gender-based violence in Nepal. As GBVs remain one of the most rigorous challenges of women's health and well-being, it is one of the indispensable issues of equity and social justice. To create a gender-based violence free environment, a lot works has to be done. Hence, it is suggested to provide assistance to the victims of violence developing the mechanism to support them.

  12. Gender-based abuse: the global epidemic

    Directory of Open Access Journals (Sweden)

    Lori Heise

    Full Text Available Gender Based violence-including rape, domestic violence, murder and sexual abuse-is a profund health problem for women across the globe. Although a significant cause of female morbidity and mortality, violence against women has only recently begun to be recognized as an issue for public health. This paper draws together existing data on the dimensions of violence against women worldwide and reviews available literature on the health consequences of abuse. It argues that the health sector has an important role to play in combatting violence against women through increased research, screening and referral of victims, and behavioral interventions. Any strategy to confrnt violence must address the root causes of abuse in addition to meeting the immediate needs of victims. This means challenging the social attitudes and beliefs that undergird men's violence and renegotiating the balance of power between women and men at all levels of society.

  13. International Students and Gender-Based Violence.

    Science.gov (United States)

    Forbes-Mewett, Helen; McCulloch, Jude

    2016-03-01

    Headlines such as "Man Jailed for Train Station Attack on Indian Student," "Fatal Stabbing Hits Indian Student Hopes," and "Indian Student Bashings on the Rise in Sydney" highlight violent crimes against male international students by strangers in public spaces. The media reports run contrary to the perceptions of our interviewees who suggest that violence against female international students by known perpetrators in private spaces is common. We argue that intersecting inequalities relating to gender, race, and class are often compounded by the status of "international student." Discussions focus on various forms of gender-based violence and gender violence education and support programs in Australia and the United States. © The Author(s) 2015.

  14. Gender-based abuse: the global epidemic

    Directory of Open Access Journals (Sweden)

    Heise Lori

    1994-01-01

    Full Text Available Gender Based violence-including rape, domestic violence, murder and sexual abuse-is a profund health problem for women across the globe. Although a significant cause of female morbidity and mortality, violence against women has only recently begun to be recognized as an issue for public health. This paper draws together existing data on the dimensions of violence against women worldwide and reviews available literature on the health consequences of abuse. It argues that the health sector has an important role to play in combatting violence against women through increased research, screening and referral of victims, and behavioral interventions. Any strategy to confrnt violence must address the root causes of abuse in addition to meeting the immediate needs of victims. This means challenging the social attitudes and beliefs that undergird men's violence and renegotiating the balance of power between women and men at all levels of society.

  15. Optimizing Early Retirement Decisions.

    Science.gov (United States)

    2007-11-02

    the military. The U.S. Army’s early retirement program is a temporary one designed to allow some soldiers to leave the service prior to 20 years of...whether it makes financial sense for an officer to select early retirement . A spreadsheet formulation is developed and used to indicate if and when...an officer should select early retirement . The program investigates the decision that various civilian salary levels and various assumed discount rates.

  16. 5 CFR 1650.14 - Annuities.

    Science.gov (United States)

    2010-01-01

    ... first payment, based on the Federal Bureau of Labor Statistics Consumer Price Index for Urban Wage...-employment withdrawal can use all or a portion of his or her account balance to purchase a life annuity. The... index for July, August, and September over the monthly unadjusted CPI-W index for July, August,...

  17. 26 CFR 20.2039-1 - Annuities.

    Science.gov (United States)

    2010-04-01

    ... constitutes the proceeds of insurance under a policy on the decedent's life. Paragraph (b) of this section... estate would still be $8,000. (d) Insurance under policies on the life of the decedent. If an annuity or... insurance under a policy on the life of the decedent, section 2039 (a) and (b) does not apply. For...

  18. 5 CFR 847.907 - How is the monthly annuity rate used to compute the present value of the deferred annuity without...

    Science.gov (United States)

    2010-01-01

    ... compute the present value of the deferred annuity without credit for NAFI service determined? 847.907... the present value of the deferred annuity without credit for NAFI service determined? (a) The monthly annuity rate used to compute the present value of the deferred annuity under § 847.906 of this subpart...

  19. Retirement with Perfect Insurance

    NARCIS (Netherlands)

    G.J. Kula (Grzegorz)

    2003-01-01

    textabstractThis paper focuses on the relation between worker's productivity and retirement decision. Assuming that productivity follows geometric Brownian motion with drift, there exists such a level of productivity for which it is optimal to retire. The worker buys an insurance, which gives a cons

  20. Early Retirement Payoff

    Science.gov (United States)

    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…

  1. Preparing for asset retirement.

    Science.gov (United States)

    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.

  2. Mortality-Indexed Annuities. Managing Longevity Risk via Product Design

    OpenAIRE

    2009-01-01

    Longevity risk has become a major challenge for governments, individuals, and annuity providers in most countries, and especially its aggregate form, i.e. the risk of unsystematic changes to general mortality patterns, bears a large potential for accumulative losses for insurers. As obvious risk management tools such as (re)insurance or hedging are less suited to manage an annuity provider’s exposure to aggregate longevity risk, the current paper proposes a new type of life annuities with ben...

  3. UK annuity rates and pension replacement ratios 1957-2002

    OpenAIRE

    Cannon, Edmund; Tonks, Ian

    2003-01-01

    This paper constructs a time series of annuity rates in the UK for 1957-2002, and examines the pricing of UK annuities, and the relationship between the accumulation and decumulation phases of a defined contribution pension scheme by focusing on the properties of the pension replacement ratio. Using data on annuity returns and the returns on other financial assets, the paper simulates replacement ratios, to build up a frequency distribution of the pension replacement ratio for a UK individual...

  4. Retirement Applicant Satisfaction Survey Results

    Data.gov (United States)

    Social Security Administration — This dataset contains information about the Retirement Applicant Survey (RAS). The survey measured satisfaction results with the retirement application process. The...

  5. Combating gender based violence in Rwanda

    Directory of Open Access Journals (Sweden)

    Liberata Gahongayire

    2012-09-01

    Full Text Available Gender Based Violence (GBV exists in Rwanda as in many other African societies. Efforts are being made by Governments and NGOs to curb the menace and help its victims. This study examines these efforts with particular reference to the city of Kigali in Rwanda. The study reveals the prevalence and various strategies used by government and other organisations in combating the practice of GBV. According to the study effective response to the plight of GBV victims depends on the competence and expertise of various individuals and organisations involved in giving assistance to victims. The establishment of a one-stop assistance centre for GBV services in Kigali has successfully given much needed aid to victims. The study recommends that in order to eradicate GBV all the stakeholders should utilize available resources. Logistical, economic and socio-cultural constraints should be dealt with accordingly. Above all, the judiciary has a crucial role to play. An effective judicial system is needed to curb the practice.

  6. Retirement routes and economic incentives to retire

    DEFF Research Database (Denmark)

    Rasmussen, Martin

    We estimate the effect of benefit rates on individuals’ retirement behaviour. Compared to most other studies in the field, the characterising feature of this paper is to use a cross-country panel data set of individuals (the European Community Household Panel, ECHP) to estimate economic effects a...

  7. Gender-Based Violence Prevention. Issues in Prevention

    Science.gov (United States)

    Higher Education Center for Alcohol, Drug Abuse, and Violence Prevention, 2012

    2012-01-01

    This issue of "Issues in Prevention" focuses on gender-based violence prevention. This issue contains the following articles: (1) Preventing Gender-Based Violence: An Overview (Linda Langford); (2) Q&A With Amelia Cobb; (3) Denim Day at HBCUs; (4) Dear Colleague Letter; (5) ED Grants for Violence Prevention; and (6) Higher Education Center…

  8. Budget Time: A Gender-Based Negotiation Simulation

    Science.gov (United States)

    Barkacs, Linda L.; Barkacs, Craig B.

    2017-01-01

    This article presents a gender-based negotiation simulation designed to make participants aware of gender-based stereotypes and their effect on negotiation outcomes. In this simulation, the current research on gender issues is animated via three role sheets: (a) Vice president (VP), (b) advantaged department head, and (c) disadvantaged department…

  9. Does Retirement Kill You? Evidence from Early Retirement Windows

    NARCIS (Netherlands)

    Coe, N.B.; Lindeboom, M.

    2008-01-01

    The effect that health has on the retirement decision has long been studied. We examine the reverse relationship, whether retirement has a direct impact on later-life health. To identify the causal relationship, we use early retirement window offers to instrument for retirement. We find no negative

  10. Does Retirement Kill You? Evidence from Early Retirement Windows

    NARCIS (Netherlands)

    Coe, N.B.; Lindeboom, M.

    2008-01-01

    The effect that health has on the retirement decision has long been studied. We examine the reverse relationship, whether retirement has a direct impact on later-life health. To identify the causal relationship, we use early retirement window offers to instrument for retirement. We find no negative

  11. Celebrating Stephen Robertson's retirement

    NARCIS (Netherlands)

    Hiemstra, Djoerd; Tait, J.; MacFarlane, A; Belkin, N.

    2013-01-01

    Stephen Robertson retired from the Microsoft Research Lab in Cambridge during the summer of 2013 after a long career as one of the most influential, well-liked and eminent researchers in Information Retrieval throughout the world.

  12. Retirement Information Center Blog

    Data.gov (United States)

    Office of Personnel Management — A place for the U.S. Office of Personnel Management (OPM) to share information about retirement benefits for new, prospective, and current Federal employees, as well...

  13. Employment Trajectories Beyond Retirement.

    Science.gov (United States)

    Burkert, Carola; Hochfellner, Daniela

    2017-01-01

    Within the political and academic debate on working longer, post-retirement employment is discussed as an alternative to maintain older workers in the labor market. Our article enhances this discussion by studying determinants of transitions into post-retirement jobs within differing work environments of birth cohorts 1940-1942. We estimate proportional subhazard models accounting for competing risks using unique German social security data linked to pension accounts. Our findings suggest that individuals' preferences to take up post-retirement jobs are not mutually exclusive. Our study provides evidence that taking up post-retirement jobs is related to seeking financial security, continuity, and work ability, suggesting that public policy has to develop target-oriented support through a public policy mix of different measures aligned to the different peer groups in the labor market.

  14. 5 CFR 844.404 - Reinstatement of disability annuity.

    Science.gov (United States)

    2010-01-01

    ....404 Section 844.404 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE... appointment. (c) Reinstatement of annuity terminated because earning capacity was restored. (1) OPM will... military reserve technician whose annuity was awarded under 5 U.S.C. 8456); and (iii) Again loses...

  15. 42 CFR 408.44 - Deduction from civil service annuities.

    Science.gov (United States)

    2010-10-01

    ... SERVICES MEDICARE PROGRAM PREMIUMS FOR SUPPLEMENTARY MEDICAL INSURANCE Deduction From Monthly Benefits § 408.44 Deduction from civil service annuities. (a) Responsibility for deductions. If an enrollee is... 42 Public Health 2 2010-10-01 2010-10-01 false Deduction from civil service annuities....

  16. 29 CFR 4022.6 - Annuity payable for total disability.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 9 2010-07-01 2010-07-01 false Annuity payable for total disability. 4022.6 Section 4022.6... § 4022.6 Annuity payable for total disability. (a) Except as provided in paragraph (b) of this section... terms of a plan on account of the total and permanent disability of a participant which is expected to...

  17. 26 CFR 513.6 - Pensions and life annuities.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 19 2010-04-01 2010-04-01 false Pensions and life annuities. 513.6 Section 513... UNDER TAX CONVENTIONS IRELAND Withholding of Tax § 513.6 Pensions and life annuities. (a) Pensions, other than pensions paid by the Government of the United States to individuals in respect of services...

  18. The International Market Retirement Funds - Future Trends

    Directory of Open Access Journals (Sweden)

    Tudor Colomeischi

    2013-07-01

    Full Text Available The current state of the global market pension was marked by the fact that pension systems in all countries have been strongly affected by the financial and economic crisis that broke out in the world, especially in 2008-2010. Its effects were felt primarily to pension schemes with definedcontributions (DC, the participants in these plans being increasingly skeptical about the ability to afford decent pensions. Type defined contribution plans requires, on the one hand, periods and higher contribution rates, and on the other investment plans and strategies for managing longevity risk appropriate to the market in which they operate and the characteristics of the participants in this market.Currently in the world there are many types of retirement plans, the most important criteria to classify them are pension plan administrator, the connection with the employer participants, method of calculation of the benefit, the perspective of the pension plan, the way the pension plan isfund or through the multi-pillar approach.Keywords: defined benefit (DB type, defined contribution (DC type, pension system, annuity rate

  19. Prevalence and Correlates of Gender-based Violence among ...

    African Journals Online (AJOL)

    Erah

    Keywords: Gender-based violence female university students. Introduction ... The university has a total of eight faculties and two schools. The ..... same vein, those in the faculty of social and .... with mode of dressing and closer interactions with.

  20. 21. Effects of Gender Based Violence on Neurocognitive functioning ...

    African Journals Online (AJOL)

    Esem

    syndrome, depression, anxiety, and low self-esteem) of. 5 gender based ... Zambia as evidenced from Zambia Police Service Annual ... research has focused on the mental health effects of GBV. It was not clear .... Group Statistics. Gender. N.

  1. Post partum depression: is it associated to gender based violence?

    OpenAIRE

    Escobar, Juan; Médico Cirujano, Universidad Nacional Mayor de San Marcos. Lima, Perú.; Pacora, Percy; Médico Asistente del Hospital Docente Madre Niño San Bartolomé. Lima, Perú.; Custodio, Nilton; Médico Neurólogo, Universidad Nacional Mayor de San Marcos. Lima, Perú.; Villar, Walter; Médico Cirujano, Universidad Nacional Mayor de San Marcos. Lima, Perú.

    2012-01-01

    Introduction: Post partum depression and gender based violence are very common disorders in women; the importance of early diagnosis and prompt treatment is to avoid future consequences in women, newborns and the family. Objectives: To determine the association between post partum depression and gender based violence. Design: Exploratory cross-sectional. Place: Hospital Nacional Docente Madre Niño San Bartolome, Lima, Peru. Participants: Post partum women. Interventions: We applied a sociodem...

  2. Mental retirement and schooling

    DEFF Research Database (Denmark)

    Bingley, Paul; Martinello, Alessandro

    2013-01-01

    We assess the validity of differences in eligibility ages for early and old age pension benefits as instruments for estimating the effect of retirement on cognitive functioning. Because differences in eligibility ages across country and gender are correlated with differences in years of schooling...... of the “mental retirement” effects which have recently been found...

  3. Safeguarding Your Retirement Fund.

    Science.gov (United States)

    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)

  4. Progressive Retirement Programme

    CERN Multimedia

    HR Department

    2009-01-01

    Following the Standing Concertation Committee meeting of 2 December 2008, please note that the Progressive Retirement Programme has been extended by one year, i.e. until 31 March 2010. Further information is available on : https://hr-services.web.cern.ch/hr-services/services-Ben/prp/prp.asp HR Department, tel. 73903

  5. Professor Kalkman retires

    NARCIS (Netherlands)

    Baas, Pieter

    1991-01-01

    On 13 December 1990 Prof. Dr. Cornelis (Kees) Kalkman retired from the positions of Professor of Plant Systematics and Scientific Director of the Rijksherbarium/ Hortus Botanicus by presenting his valedictory lecture to the academic community of Leiden University and the assembled Dutch Botanical wo

  6. Claus Madsen Retires

    Science.gov (United States)

    de Zeeuw, T.; Walsh, J.

    2016-12-01

    Claus Madsen began at ESO as a photographer in 1980 and recently retired as senior advisor on international relations. During his career he authored several books, the most notable being a history of ESO from the late 1980s to the 50th anniversary in 2012. A brief appreciation of his career is presented.

  7. Planning Your Retirement.

    Science.gov (United States)

    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…

  8. Health Shocks and Retirement:

    DEFF Research Database (Denmark)

    Datta Gupta, Nabanita; Larsen, Mona

    benefits in Denmark nor by the promotion of corporate social responsibility initiatives since the mid-1990s. In the late 1990s, however, the retirement rate following a health shock is reduced to 3% with the introduction of the subsidized employment program (fleksjob) but this effect is not strongly...

  9. Voluntary Incentive Early Retirement Programs.

    Science.gov (United States)

    Research Dialogues, 1988

    1988-01-01

    Arrangements in educational institutions for voluntary early retirement programs are discussed. Retirement at any age can be a profound and stressful lifetime change; and it can also represent a welcome transition into newly satisfying and rewarding opportunities. The focus is on: mandatory retirement (exceptions and the new meaning of "early");…

  10. Participating life annuities incorporating longevity risk sharing arrangements

    OpenAIRE

    Bravo, Jorge; Real, Pedro; Silva, Carlos

    2009-01-01

    In this paper we develop a conceptual framework for the payout phase in which annuity providers and policyholders share longevity and investment risks in a flexible way. To be more precise, we develop an participating life annuity product in which systematic longevity risk, i.e., the risk associated with systematic deviations from mortality rates extracted from prospective life tables derived for the Portuguese population, is shared between both counterparties. This will address some of the m...

  11. Surplus analysis for variable annuities with a GMDB option

    OpenAIRE

    Haberman, S; Piscopo, G.

    2010-01-01

    In this paper, we analyze the insurance surplus for a Variable Annuity contract with a Guaranteed Minimum Death Benefit (GMDB) option. Initially, we derive the first two moments of the distribution of the surplus; and subsequently, we develop the whole distribution using a stochastic model which involves an integrated analysis of financial and mortality risk for a portfolio of annuities with GMDB embedded options. We offer a model according which the premium can be modified as per the forecas...

  12. 5 CFR 842.503 - Eligibility for annuity supplement.

    Science.gov (United States)

    2010-01-01

    ... 842.07 governing early retirement for air traffic controllers; (6) Section 842.208 governing early retirement for law enforcement officers; (7) Section 842.209 governing early retirement for Members of Congress; (8) Section 842.210 governing early retirement for military reserve technicians; or (9)...

  13. Portfolio choice in retirement: Health risk and the demand for annuities, housing, and risky assets.

    Science.gov (United States)

    Yogo, Motohiro

    2016-06-01

    In a life-cycle model, a retiree faces stochastic health depreciation and chooses consumption, health expenditure, and the allocation of wealth between bonds, stocks, and housing. The model explains key facts about asset allocation and health expenditure across health status and age. The portfolio share in stocks is low overall and is positively related to health, especially for younger retirees. The portfolio share in housing is negatively related to health for younger retirees and falls significantly in age. Finally, out-of-pocket health expenditure as a share of income is negatively related to health and rises in age.

  14. Preparation for Retirement Seminar

    CERN Multimedia

    HR Department

    2009-01-01

    The Human Resources Department is organizing a preparation for retirement seminar, which will take place on the afternoons of the 11, 13, 25 and 27 November 2009. Similar seminars in the past have always proved highly successful. Retirement marks the end of a person’s working life and the start of a new chapter. This period of transition is experienced differently from one individual to another. In all cases, being well-informed and prepared greatly facilitates the change in lifestyle. We would like to draw your attention to the following information: Staff concerned: All staff members aged 58 and above have been sent a personal invitation to attend. Spouses are welcome. Staff members below 58 who are interested in attending the seminar may also apply. Their applications will be accepted subject to availability of places. Registration: In view of the number of people concerned and the limited capacity of the main auditorium, you are requested to register in advance via ...

  15. Preparation for Retirement Seminar

    CERN Multimedia

    HR Department

    2009-01-01

    The Human Resources Department is organizing a preparation for retirement seminar, which will take place in the afternoons of 11, 13, 25 and 27 November 2009. Similar seminars in the past have always proved highly successful. Retirement marks the end of a person’s working life and the start of a new chapter. This period of transition is experienced differently from one individual to another. In all cases, being well-informed and prepared greatly facilitates the change in lifestyle. We would like to draw your attention to the following information: Staff concerned: All staff members aged 58 and above have been sent a personal invitation to attend. Spouses are welcome. Staff members below 58 who are interested in attending the seminar may also apply. Their applications will be accepted subject to the availability of places. Registration: In view of the number of people concerned and the limited capacity of the Main Auditorium, you are requested to register in advance via Ind...

  16. Preparation for Retirement Seminar

    CERN Multimedia

    HR Department

    2009-01-01

    The Human Resources Department is organizing a preparation for retirement seminar, which will take place on the afternoons of the 11, 13, 25 and 27 November 2009. Similar seminars in the past have always proved highly successful. Retirement marks the end of a person’s working life and the start of a new chapter. This period of transition is experienced differently from one individual to another. In all cases, being well-informed and prepared greatly facilitates the change in lifestyle. We would like to draw your attention to the following information: Staff concerned: All staff members aged 58 and above have been sent a personal invitation to attend. Spouses are welcome. Staff members below 58 who are interested in attending the seminar may also apply. Their applications will be accepted subject to the availability of places. Registration: In view of the number of people concerned and the limited capacity of the Main Auditorium, you are requested to register in advance ...

  17. Preparation for Retirement Seminar

    CERN Multimedia

    HR Department

    2009-01-01

    The Human Resources Department is organizing a preparation for retirement seminar, which will take place on the afternoons of the 11, 13, 25 and 27 November 2009. Similar seminars in the past have always proved highly successful. Retirement marks the end of a person’s working life and the start of a new chapter. This period of transition is experienced differently from one individual to another. In all cases, being well-informed and prepared greatly facilitates the change in lifestyle. We would like to draw your attention to the following information: Staff concerned: All staff members aged 58 and above have been sent a personal invitation to attend. Spouses are welcome. Staff members under the age of 58 who are interested in attending the seminar may also apply. Their applications will be accepted subject to the availability of places. Registration: In view of the number of people concerned and the limited capacity of the Main Auditorium, you are requested to register ...

  18. Preparation for Retirement Seminar

    CERN Multimedia

    HR Department

    2009-01-01

    The Human Resources Department is organizing a preparation for retirement seminar, which will take place on the afternoons of the 11, 13, 25 and 27 November 2009. Similar seminars in the past have always proved highly successful. Retirement marks the end of a person’s working life and the start of a new chapter. This period of transition is experienced differently from one individual to another. In all cases, being well-informed and prepared greatly facilitates the change in lifestyle. We would like to draw your attention to the following information: Staff concerned: All staff members aged 58 and above have been sent a personal invitation to attend. Spouses are welcome. Staff members under the age of 58 who are interested in attending the seminar may also apply. Their applications will be accepted subject to the availability of places. Registration: In view of the number of people concerned and the limited capacity of the Main Auditorium, you are requested to register ...

  19. Preparation for Retirement Seminar

    CERN Multimedia

    HR Department

    2009-01-01

    The Human Resources Department is organizing a preparation for retirement seminar, which will take place on the afternoons of the 11, 13, 25 and 27 November 2009. Similar seminars in the past have always proved highly successful. Retirement marks the end of a person’s working life and the start of a new chapter. This period of transition is experienced differently from one individual to another. In all cases, being well-informed and prepared greatly facilitates the change in lifestyle. We would like to draw your attention to the following information: Staff concerned: All staff members aged 58 and above have been sent a personal invitation to attend. Spouses are welcome. Staff members below 58 who are interested in attending the seminar may also apply. Their applications will be accepted subject to the availability of places. Registration: In view of the number of people concerned and the limited capacity of the Main Auditorium, you are requested to register in advance ...

  20. Retired Worker Writes Novel

    Institute of Scientific and Technical Information of China (English)

    1994-01-01

    SUN Junxian, a retired worker from the Huanghe Machine Building Company in Xi’an, Shaanxi Province, spent nearly 15 years writing her autobiographical novel White Snow. With the publication of this novel, Sun has won widespread praise throughout Xi’an. Readers think the novel is effective and true to life. The China Television Play Production Center plans to adapt the novel for a TV series and present it during the

  1. Retirement Choice 2015

    Science.gov (United States)

    2015-11-01

    inflation. High-3 has full inflation protection because it changes yearly with the Consumer Price Index (CPI), whereas REDUX/bonus has less...considering changes in the military retirement system. As of 2015, however, military personnel who entered service after July 31, 1986 and who are...understand how the two plans differ by comparing plan descriptions (See Table 1), whereas others will prefer to look at the figures that follow, which

  2. Preparation for Retirement Seminar

    CERN Multimedia

    HR Department

    2007-01-01

    The Department of Human Resources is organising a preparation for retirement seminar which will take place on the four successive afternoons of 2 to 5 October 2007. Similar seminars in the past have always proved highly successful. Retirement marks the end of one’s working life and the start of a new period of life. This period of transition and change is experienced differently from one individual to another. In any case, being well-informed and prepared greatly facilitates the change in lifestyle. We would like to draw your attention to the following information: Staff concerned: All staff members aged 58 and above as well as those who have retired during the year have been sent a personal invitation to attend. Spouses are welcome. Staff members below 58 who are interested in attending the seminar may also apply. Their applications will be accepted subject to availability of places. Registration: In view of the number of people concerned and the limited capacity of th...

  3. The Impact of Gender Based Violence on Stability and Security

    Science.gov (United States)

    2011-05-23

    Resources/costsandimpactsofgbv.pdf (accessed November 4, 2010). 4 Gender Secretariat, Swedish International Development Cooperation Agency ( SIDA ...Action Plan for Sida’s Work Against Gender-Based Violence, 2008-2010 ( SIDA , Department of Democracy and Development). 5 Inger Skjelsbaek and Dan Smith

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

    Science.gov (United States)

    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

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

    Science.gov (United States)

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

    2016-03-01

    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.

  6. (UBS Paper 044) How Deep is the Annuity Market Participation Puzzle?

    OpenAIRE

    Alex Michaelides; Paula Lopes; Joachim Inkmann

    2007-01-01

    Using U.K. microeconomic data, we analyze the empirical determinants of voluntary annuity market demand. We find that annuity market participation increases with financial wealth, life expectancy and education and decreases with other pension income and a possible bequest motive for surviving spouses. We then show that these empirically motivated determinants of annuity market participation have the same, quantitatively important, effects in a life cycle model of annuity demand, saving and po...

  7. 5 CFR 838.912 - Specifying an award of a former spouse survivor annuity.

    Science.gov (United States)

    2010-01-01

    ... survivor annuity. 838.912 Section 838.912 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT... in Court Orders Awarding Former Spouse Survivor Annuities Identification of Benefits § 838.912 Specifying an award of a former spouse survivor annuity. (a) To satisfy the requirements of §...

  8. 5 CFR 838.933 - Payment of the cost of a former spouse survivor annuity.

    Science.gov (United States)

    2010-01-01

    ... survivor annuity. 838.933 Section 838.933 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT... in Court Orders Awarding Former Spouse Survivor Annuities Miscellaneous Provisions § 838.933 Payment of the cost of a former spouse survivor annuity. (a) A court order that unequivocally awards a...

  9. 5 CFR 838.931 - Court orders that provide temporary awards of former spouse survivor annuities.

    Science.gov (United States)

    2010-01-01

    ... awards of former spouse survivor annuities. 838.931 Section 838.931 Administrative Personnel OFFICE OF... BENEFITS Terminology Used in Court Orders Awarding Former Spouse Survivor Annuities Miscellaneous Provisions § 838.931 Court orders that provide temporary awards of former spouse survivor annuities....

  10. 26 CFR 1.401(a)-11 - Qualified joint and survivor annuities.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 5 2010-04-01 2010-04-01 false Qualified joint and survivor annuities. 1.401(a...)-11 Qualified joint and survivor annuities. (a) General rule—(1) Required provisions. A trust, to... a qualified joint and survivor annuity (as defined in paragraph (b)(2) of this section) with...

  11. 5 CFR 838.921 - Determining the amount of a former spouse survivor annuity.

    Science.gov (United States)

    2010-01-01

    ... survivor annuity. 838.921 Section 838.921 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT... in Court Orders Awarding Former Spouse Survivor Annuities Computation of Benefit § 838.921 Determining the amount of a former spouse survivor annuity. (a) A court order that contains no...

  12. 20 CFR 218.43 - When a surviving divorced spouse annuity ends.

    Science.gov (United States)

    2010-04-01

    ... surviving divorced spouse— (1) Dies; (2) Becomes entitled to an old age benefit under the Social Security... upon age). (c) Entitlement based on “child in care.” When the surviving divorced spouse annuity is... spouse annuity ends. (a) Entitlement based on age. When the surviving divorced spouse annuity is based...

  13. 5 CFR 847.605 - Methodology for determining the present value of annuity with service credit.

    Science.gov (United States)

    2010-01-01

    ... Retroactive Provisions § 847.605 Methodology for determining the present value of annuity with service credit. (a) OPM will determine the present value of the annuity including service credit for NAFI service..., the present value under paragraph (a) of this section equals the monthly annuity rate including...

  14. Preparation for retirement seminar

    CERN Multimedia

    HR Department

      The Human Resources Department is organizing a preparation for retirement seminar, which will take place on the afternoons of the 25 and 27 November 2009. Similar seminars in the past have always proved highly successful. Retirement marks the end of a person’s working life and the start of a new chapter. This period of transition is experienced differently from one individual to another. In all cases, being well-informed and prepared greatly facilitates the change in lifestyle. We would like to draw your attention to the following information: Staff concerned: All staff members aged 58 and above have been sent a personal invitation to attend. Spouses are welcome. Staff members under the age of 58 who are interested in attending the seminar may also apply. Their applications will be accepted subject to the availability of places. Registration: In view of the number of people concerned and the limited capacity of the Main Auditorium, you are requested to register in advance via Indico. &a...

  15. Preparation for Retirement Seminar

    CERN Multimedia

    HR Department

    2011-01-01

    The Human Resources Department is organizing a Preparation for Retirement Seminar, which will take place on 18 and 21 October 2011 in the afternoon in the Main Auditorium and on 19 October and 15 and 16 November 2011 in the afternoon in the Council Chamber. Similar seminars in the past have always proved highly successful. Retirement marks the end of a person’s working life and the start of a new chapter. This period of transition is experienced differently from one individual to another. In all cases, being well-informed and prepared greatly facilitates the change in lifestyle. We would like to draw your attention to the following information: Staff concerned: All staff members aged 58 and above have been sent a personal invitation to attend. Spouses are welcome. Staff members under the age of 58 who are interested in attending the seminar may also apply. Their applications will be accepted subject to availability of places. Registration: In view of the number of people concerned, you are ...

  16. Preparation for Retirement Seminar

    CERN Multimedia

    HR Department

    2011-01-01

    The Human Resources Department is organizing a Preparation for Retirement Seminar, which will take place on 18 and 21 October 2011 in the afternoon in the Main Auditorium and on 19 October and 15 and 16 November 2011 in the afternoon in the Council Chamber. Similar seminars in the past have always proved highly successful. Retirement marks the end of a person’s working life and the start of a new chapter. This period of transition is experienced differently from one individual to another. In all cases, being well-informed and prepared greatly facilitates the change in lifestyle. We would like to draw your attention to the following information: Staff concerned: All staff members aged 58 and above have been sent a personal invitation to attend. Spouses are welcome. Staff members under the age of 58 who are interested in attending the seminar may also apply. Their applications will be accepted subject to availability of places. Registration: In view of the number of people concerned, you are r...

  17. PRE-RETIREMENT PROGRAMME

    CERN Multimedia

    2001-01-01

    Special Meeting concerning the TAXATION OF PENSIONS IN FRANCE Following the pre-retirement seminar held at CERN in March 2001, the Human Resources Division and the CERN Pensioners Association (GAC) are organising a special information session on the Taxation of CERN pensions in France The speaker will be S. Agarrat, a barrister specialising in tax law (practising in Lyon) and the meeting will take the form of a general presentation of the subject, followed by a question-and-answer session. This meeting is intended for CERN pensioners residing in France, as well as for staff due to retire from the Organization in 2001/2002. Registration is not necessary. The meeting will take place on Wednesday, 28 November 2001, from 4.30 p.m. to 6.30 p.m., in the Main Auditorium N.B.: Questions concerning the taxation rules applicable to salaries paid by CERN, in particular questions relating to the CRDS tax, will not be dealt with during this meeting.

  18. The XWHO directory retires

    CERN Multimedia

    CERN Bulletin

    2011-01-01

    On 11 May a new web-based phonebook will take over from the 16-year old XWHO directory. It will provide access to basic contact information for people and services at CERN. A user-friendly interface will allow you to look for people and services using criteria such as first or last name, organisational unit and phone number. All requests submitted to the retired XWHO directory will be redirected to the new phonebook.   The new CERN Phonebook's user interface. CERN’s first electronic phonebook was created in 1995. The XWHO directory was first presented in July that year in a CERN Computer Newsletter (CNL) article entitled “Migrating the access to central directory services” by Miguel Marquina and Bernd Pollermann. Since then, it has been used by thousands of people at CERN and around the world looking for contact details of other members of the Organization. The XWHO directory is now retiring and is to be replaced by the new web-based CERN Phonebook. For several month...

  19. 78 FR 68981 - Electronic Retirement Processing

    Science.gov (United States)

    2013-11-18

    ... electronic business processes, must be set aside with respect to electronic retirement and insurance... RIN 3206-AM45 Electronic Retirement Processing AGENCY: Office of Personnel Management. ACTION: Final... to electronic benefits processing under the Civil Service Retirement System (CSRS), the...

  20. Retirement as a Learning Process

    Science.gov (United States)

    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…

  1. Retirement Flexibility and Portfolio Choice

    NARCIS (Netherlands)

    Adema, Y.; Bonenkamp, J.; Meijdam, A.C.

    2011-01-01

    This paper explores the interaction between retirement flexibility and portfolio choice in an overlapping-generations model. We analyse this interaction both in a partial-equilibrium and general-equilibrium setting. Retirement flexibility is often seen as a hedge against capital-market risks which

  2. Old European Couples' Retirement Decisions

    DEFF Research Database (Denmark)

    Pozzoli, Dario; Ranzani, Marco

    This study investigates old European couples' retirement choices in order to bridge the gap between the European and the American literature. The typical European family approaching retirement is a dual-earner family: the dataset used in this paper reveals that 78 percent of working males is marr...

  3. 78 FR 33911 - Phased Retirement

    Science.gov (United States)

    2013-06-05

    ... knowledge and expertise with the next generation of Federal leaders via mentoring and role-modeling. Once... making an election of phased retirement, the procedures for electing phased retirement, the requirements... less than the 3-year period ending on the effective date of the employee's election of...

  4. 26 CFR 1.417(a)(3)-1 - Required explanation of qualified joint and survivor annuity and qualified preretirement survivor...

    Science.gov (United States)

    2010-04-01

    ... survivor annuity and qualified preretirement survivor annuity. 1.417(a)(3)-1 Section 1.417(a)(3)-1 Internal... joint and survivor annuity and qualified preretirement survivor annuity. (a) Written explanation requirement—(1) General rule. A plan meets the survivor annuity requirements of section 401(a)(11) only if...

  5. Gender-Based Discrimination In Nursing: A Ghanaian

    Directory of Open Access Journals (Sweden)

    DF Ofori

    2007-12-01

    Full Text Available Purpose and objectives: The 'glass escalator' phenomenon holds that men in female dominated professions like nursing can rise quickly to the top. However, they can also suffer discrimination. This phenomenon is widely recognised in advanced countries. Trained, mostly female nurses have been leaving Ghana in droves for greener pastures abroad, particularly the US and UK, with serious consequences on the health delivery service in Ghana. Conversely, increasing numbers of males are joining the nursing profession. It examines whether male nurses in Ghana enjoy any hidden advantages, and if so, what makes the men successful (even with their limited numbers in a women-dominated field and what the implications are for both male and female nurses. Problem investigated: The article explores gender-based discrimination and the phenomenon of the glass escalator in a developing country context. It examines the position of male nurses in Ghana; the type, nature and extent of advantages they enjoy and any discrimination they face in a female-dominated field. Methodology: An in-depth cross-sectional questionnaire was employed. A thematic and cluster analysis of findings was executed, with data captured using Statistical Package for Social Sciences (SPSS. A combination of descriptive accounts as well as summary statistics using chi-square and correlations was used to examine the findings. Findings and implications: This paper reports the findings of an empirical study that show that male nurses neither suffer gender-based discrimination nor occupy the top positions in the nursing field. It also found that a majority of males do not want to leave the profession even though they feel they are assigned more responsibilities and are sometimes passed over for promotion.Originality: Whilst representing a modest contribution to research in gender-based discrimination in nursing, this paper is a first attempt to investigate the phenomenon in a Ghanaian context, with

  6. Lassoing the Determinants of Retirement

    DEFF Research Database (Denmark)

    Kallestrup-Lamb, Malene; Kock, Anders Bredahl; Kristensen, Johannes Tang

    2016-01-01

    of the retirement decision. To the best of our knowledge, this is the first application of these estimators in microeconometrics to a problem of this type and scale. Furthermore, we investigate whether the factors influencing the retirement decision are stable over time, gender, and marital status. It is found......This article uses Danish register data to explain the retirement decision of workers in 1990 and 1998. Many variables might be conjectured to influence this decision such as demographic, socioeconomic, financial, and health related variables as well as all the same factors for the spouse in case...

  7. 5 CFR 837.202 - Annuities that terminate on reemployment.

    Science.gov (United States)

    2010-01-01

    .... 837.202 Section 837.202 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL... disability annuitant whom OPM has found recovered or restored to earning capacity prior to reemployment... recovered or restored to earning capacity prior to reemployment, or whose disability annuity was...

  8. 5 CFR 837.403 - Termination of annuity during reemployment.

    Science.gov (United States)

    2010-01-01

    ... reemployment. 837.403 Section 837.403 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL... recovered from disability or restored to earning capacity by OPM, OPM shall terminate the annuity as of the... terminated because of recovery or restoration to earning capacity, the former disability annuitant...

  9. Frailty and Risk Classification for Life Annuity Portfolios

    Directory of Open Access Journals (Sweden)

    Annamaria Olivieri

    2016-10-01

    Full Text Available Life annuities are attractive mainly for healthy people. In order to expand their business, in recent years, some insurers have started offering higher annuity rates to those whose health conditions are critical. Life annuity portfolios are then supposed to become larger and more heterogeneous. With respect to the insurer’s risk profile, there is a trade-off between portfolio size and heterogeneity that we intend to investigate. In performing this, there is a second and possibly more important issue that we address. In actuarial practice, the different mortality levels of the several risk classes are obtained by applying adjustment coefficients to population mortality rates. Such a choice is not supported by a rigorous model. On the other hand, the heterogeneity of a population with respect to mortality can formally be described with a frailty model. We suggest adopting a frailty model for risk classification. We identify risk groups (or classes within the population by assigning specific ranges of values to the frailty within each group. The different levels of mortality of the various groups are based on the conditional probability distributions of the frailty. Annuity rates for each class then can be easily justified, and a comprehensive investigation of insurer’s liabilities can be performed.

  10. 28 CFR 50.24 - Annuity broker minimum qualifications.

    Science.gov (United States)

    2010-07-01

    ... insurance policy, or an equivalent form of insurance; (4) The broker must never have had a license to be a... 28 Judicial Administration 2 2010-07-01 2010-07-01 false Annuity broker minimum qualifications. 50.24 Section 50.24 Judicial Administration DEPARTMENT OF JUSTICE (CONTINUED) STATEMENTS OF POLICY §...

  11. 29 CFR 4041.27 - Notice of annuity information.

    Science.gov (United States)

    2010-07-01

    ... irrevocable commitments (annuity contracts); (2) Change in identity of insurers. A statement that if the plan...) The information regarding change of identity of insurer(s) in paragraph (b)(2) of this section; and... of intent to terminate— (1) Identity of insurers. The name and address of the insurer or...

  12. 26 CFR 1.801-7 - Variable annuities.

    Science.gov (United States)

    2010-04-01

    ... respect to which the reserve is computed, life, health, or accident contingencies. Accordingly, a company...) INCOME TAXES Life Insurance Companies § 1.801-7 Variable annuities. (a) In general. (1) Section 801(g)(1... section 801(g)(1) and subparagraph (1) of this paragraph shall qualify as life insurance reserves...

  13. Valuation and Hedging of Variable Annuities in Pension Schemes

    NARCIS (Netherlands)

    Bovenberg, A.L.; van Bilsen, S.; Laeven, R.J.A.

    2016-01-01

    This paper explores defined ambition pension schemes that provide (deferred) variable annuities. These pension schemes allocate various risks (i.e., real interest rate, expected inflation and stock market risk) to the policyholders on the basis of complete contracts. We show how these variable annui

  14. 5 CFR 843.409 - Rates of annuities.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Rates of annuities. 843.409 Section 843.409 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS... children of the employee or retiree based on the total earnings (including any non-Federal wages or...

  15. Does Stock Market Performance Influence Retirement Intentions?

    Science.gov (United States)

    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…

  16. Metaphors for Retirement: Unshackled from Schedules

    Science.gov (United States)

    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…

  17. Does Stock Market Performance Influence Retirement Intentions?

    Science.gov (United States)

    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…

  18. Retired RNs: perceptions of volunteering.

    Science.gov (United States)

    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.

  19. Preparing for retirement - new seminars

    CERN Multimedia

    Human Resources Department

    2015-01-01

    We would like to take the opportunity to inform you about a new programme related to retirement, organised by the Human Resources Department. Retirement marks the end of a career and the start of a new chapter in life.  In all cases, being well-informed and prepared is necessary to cope successfully with this transition. The programme has been developed for staff members and consists of two seminars: Leaving CERN (half day seminar): short presentations by internal speakers, focusing on what options CERN offers at the end of your career: organised once per year, next session scheduled on 24 November 2015, in the afternoon, enrolment and more information on Indico.   Preparation for retirement (2-day seminar): interactive workshop (in small groups) delivered by external experts, focusing on how to prepare psychologically as well as practically to cope with all the changes retirement brings: organised regularly in 2016, in English or ...

  20. Health and Retirement in Europe

    Directory of Open Access Journals (Sweden)

    Ronald Hagan

    2009-10-01

    Full Text Available We use discrete-time hazard models with internationally comparable data from the full eight waves of the European Community Household Panel (ECHP to study the relationship between retirement and health in nine European countries. Our results provide new evidence of the relationship of health shocks to early retirement. The pattern of results across countries reflects international differences in the incentives created by social security systems.

  1. Retiring the central executive.

    Science.gov (United States)

    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.

  2. [The surgeon at retirement].

    Science.gov (United States)

    Fernández del Castillo-Sánchez, Carlos

    2012-01-01

    Our vocation has called us to become physicians and we have learned and practiced surgery as part of our medical training and knowledge. Surgery is an art expressed during each intervention carried out with effectiveness and devotion; enjoying the pleasure to perform it without hurry, with harmony, fluency and cleanness. Therefore, medicine and surgery belong to the same vocation being at service of people with the clear mission to heal patients and if we favor it, this activity will get our attention firmly and forever. A physician is a sensitive person that understands the sadness and happiness consequence of his actions at the office, operating room, research and relationships with colleagues. This provides him a pleasant experience of practicing medicine and especially surgery. Medical and surgical professions produce an irresistible attraction and they are very rewarding experiences; however, as time goes by there are effects over physician's health. Surgeons will switch from an active professional role into a passive agent and will need to assess himself and answer if he is still in optimal conditions to practice medicine. Therefore, every surgeon must be prepared to grow old from the start and preserve his Faith once retirement has been accepted as the next step in his career.

  3. Preparation for retirement seminar

    CERN Multimedia

    HR Department

    2010-01-01

    (Health insurance and wealth and succession planning) During the preparation for retirement seminar in November 2009, the sessions on health insurance in Switzerland and in France unfortunately had to be postponed. Participants in the seminar also expressed interest in an information session on “How to manage your wealth and organize your succession”. The sessions on health insurance will be held on 16 March 2010 and those on managing wealth and succession on 18 March 2010. Programme for Tuesday 16 March 2010 (TH Theory Conference Room, Building 4/3-006): 09:00 Health insurance in Switzerland by Mr. Sandro Breitenstein, Service de l'Assurance Maladie du Canton de Genève 10:00 Coffee break 10:20 Health insurance in France by Mr. Dominique Curtiaud, Caisse Primaire d'Assurance Maladie de l'Ain Programme for Thursday 18 March 2010 (TH Theory Conference Room, Building 4/3-006): 09:00 How to manage your wealth and organize your succession in Switzerland by Mr. Jean-Marc W...

  4. Trusted counsellor retires

    CERN Multimedia

    2006-01-01

    His astute counsel, knowing smile and distinguished eloquence will be missed by many. With a pang of regret, the man himself admits that 'CERN was like a drug for me'. Last week, Jean-Daniel Mandica retired, after 40 years of loyal service. He was the trusted counsellor of every Director of the Administration and Director-General for eighteen years, from 1986 to 2003. Head of the planning unit for the Directorate and the Administration from 1986 to 1996, he was then named Head of the Directorate Services Unit in 1996, a position he held until the end of 2003. Throughout that time, he conducted key tasks for the Organization, such as restructuring the Administration and carrying out audits. His role in the creation of Microcosm and his commitment to CERN's participation in the Universal Exposition at Seville in 1992 contributed in no small part to the spread of the Laboratory's fame. Jean-Daniel Mandica's incomparable knowledge of the Administration, sense of diplomacy and great ability to listen made him a v...

  5. Military Retirement: Background and Recent Developments

    Science.gov (United States)

    2016-09-12

    Military Retirement Budgeting and Costs Military retirement costs , which include all payments to current retirees and survivors, have been rising modestly...Since FY1985, the “accrual accounting ” concept has been used to budget for the costs of military retired pay. The unfunded liability resulting...from this Military Retirement Fund to current retirees. Individual retirees receive their retired pay from the Defense Finance and Accounting Service

  6. (UBS Pensions series 8) UK Annuity Rates and Pension Replacement Ratios 1957 - 2002

    OpenAIRE

    Ian Tonks

    2003-01-01

    This paper constructs a time series of annuity rates in the UK for 1957-2002, and examines the pricing of UK annuities, and the relationship between the accumulation and decumulation phases of a defined contribution pension scheme by focusing on the properties of the pension replacement ratio. Using data on annuity returns and the returns on other financial assets, the paper simulates replacement ratios, to build up a frequency distribution of the pension replacement ratio for a UK individual...

  7. Mathematics-for-teaching: Insights from the case of annuities

    Directory of Open Access Journals (Sweden)

    Craig Pournara

    2014-05-01

    Full Text Available Shulman’s notations of subject matter knowledge (SMK and pedagogical content knowledge (PCK have been very influential in education research on teachers’ knowledge for teaching. However, there is little empirical evidence in support of these as separate analytical constructs. Furthermore, attempts to distinguish SMK and PCK highlight the complex and multidimensional nature of teachers’ knowledge and hence the difficulty of separating SMK and PCK. The author adopts the notion of mathematics-for-teaching (MfT and argues that teachers’ knowledge for teaching annuities comprises knowledge of mathematical aspects, knowledge of pedagogical aspects and contextual knowledge of finance. Drawing from a larger study in which the author taught a financial mathematics course to pre-service secondary mathematics teachers, four examples of teachers’ knowledge for teaching annuities are identified, each of which illustrates how knowledge of mathematics, knowledge of pedagogy and contextual knowledge of finance are intertwined.

  8. 78 FR 47018 - Civil Service Retirement System and Federal Employees' Retirement System; Opportunity for...

    Science.gov (United States)

    2013-08-02

    ... survivor benefits should be accompanied with a copy of the marriage certificate proving the same-sex marriage. Please be advised that an election of a survivor annuity is irrevocable. An annuitant will not be...

  9. 20 CFR 404.1088 - Retirement payment to retired partners.

    Science.gov (United States)

    2010-04-01

    ....1088 Section 404.1088 Employees' Benefits SOCIAL SECURITY ADMINISTRATION FEDERAL OLD-AGE, SURVIVORS AND... financial obligations to you (in his or her capacity as a partner) except to make the retirement payments... 31, 1977, D rendered no service to any trade or business carried on by the partnership. On or before...

  10. 26 CFR 1.61-10 - Alimony and separate maintenance payments; annuities; income from life insurance and endowment...

    Science.gov (United States)

    2010-04-01

    ...; annuities; income from life insurance and endowment contracts. 1.61-10 Section 1.61-10 Internal Revenue... separate maintenance payments; annuities; income from life insurance and endowment contracts. (a) In general. Alimony and separate maintenance payments, annuities, and income from life insurance...

  11. 5 CFR 843.314 - Amount of survivor annuity where service includes credit for service with a nonappropriated fund...

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Amount of survivor annuity where service... Amount of survivor annuity where service includes credit for service with a nonappropriated fund instrumentality. (a) The survivor annuity based on service that includes service with a nonappropriated...

  12. 26 CFR 1.691(d)-1 - Amounts received by surviving annuitant under joint and survivor annuity contract.

    Science.gov (United States)

    2010-04-01

    ... joint and survivor annuity contract. 1.691(d)-1 Section 1.691(d)-1 Internal Revenue INTERNAL REVENUE... Decedents § 1.691(d)-1 Amounts received by surviving annuitant under joint and survivor annuity contract. (a... and survivor annuity contract (to the extent indicated in paragraph (b) of this section) are...

  13. 26 CFR 35.3405-1 - Questions and answers relating to withholding on pensions, annuities, and certain other deferred...

    Science.gov (United States)

    2010-04-01

    ... on pensions, annuities, and certain other deferred income. 35.3405-1 Section 35.3405-1 Internal... withholding on pensions, annuities, and certain other deferred income. The following questions and answers relate to withholding on pensions, annuities, and other deferred income under section 3405 of the...

  14. 5 CFR 847.906 - How is the present value of a deferred annuity without credit for NAFI service computed?

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false How is the present value of a deferred... § 847.906 How is the present value of a deferred annuity without credit for NAFI service computed? (a) The present value of a deferred annuity equals the present value of the deferred annuity...

  15. Foreign Service Retirement and Disability System

    Data.gov (United States)

    US Agency for International Development — The Foreign Service Retirement and Disability System (FSRDS) is the Foreign Service equivalent to the Civil Service Retirement System (CSRS) as described in 5 U.S.C....

  16. An Early Retirement Option for Australian Academics?

    Science.gov (United States)

    Over, Ray

    1987-01-01

    Issues of early retirement of college and university faculty are examined as they relate to Australia's aging faculty population, and the conditions necessary to promote early retirement successfully in this context are considered. (MSE)

  17. Early Retirement: A Need for Reassessment.

    Science.gov (United States)

    Morrell, Louis

    1987-01-01

    Institutions must provide good counseling regarding retirement program benefits, since when in doubt about their financial position faculty members are inclined to remain employed. Colleges should consider offering nonfinancial incentives for early retirement as well as financial. (MLW)

  18. Commentary: Gender-based Violence among the (Hmong

    Directory of Open Access Journals (Sweden)

    Jacques Lemoine

    2012-01-01

    Full Text Available Prepared for the Seminar on Cultural Factors in the Prevention and Promotion of Gender-Based Violence held at UNESCO Bangkok on 17-18 May 2012, this article presents the current state of the subject in the patrilineal, patrilocal and patriarchal (Hmong society.After delineating carefully (Hmong GBV through rape, marriage customs, domestic verbal and physical abuses and, in some cases, murder, the author investigates the roots of GBV in different directions: gender asymmetry and inequality; tribal culture and the clan system; the function of the bride price; women’s social mobility in the U.S. and values clashes with American values. After a thorough anthropological analysis, the author concludes that GBV has nothing to do with the clan system, the backbone of the tribal society, but rather involves a long-lasting borrowing of Chinese patterns from the (Hmong past in Imperial China, which could be amended. Gender inequality will hopefully regress if shame, a powerful means ofsocial control among the (Hmong, is used to deter GBV.

  19. Gender-based comorbidity in benign paroxysmal positional vertigo.

    Directory of Open Access Journals (Sweden)

    Oluwaseye Ayoola Ogun

    Full Text Available It has been noted that benign paroxysmal positional vertigo (BPPV may be associated with certain disorders and medical procedures. However, most studies to date were done in Europe, and epidemiological data on the United States (US population are scarce. Gender-based information is even rarer. Furthermore, it is difficult to assess the relative prevalence of each type of association based solely on literature data, because different comorbidities were reported by various groups from different countries using different patient populations and possibly different inclusion/exclusion criteria. In this study, we surveyed and analyzed a large adult BPPV population (n = 1,360 surveyed, 227 completed, most of which were recurrent BPPV cases from Omaha, NE, US, and its vicinity, all diagnosed at Boys Town National Research Hospital (BTNRH over the past decade using established and consistent diagnostic criteria. In addition, we performed a retrospective analysis of patients' diagnostic records (n = 1,377, with 1,360 adults and 17 children. The following comorbidities were found to be significantly more prevalent in the BPPV population when compared to the age- and gender-matched general population: ear/hearing problems, head injury, thyroid problems, allergies, high cholesterol, headaches, and numbness/paralysis. There were gender differences in the comorbidities. In addition, familial predisposition was fairly common among the participants. Thus, the data confirm some previously reported comorbidities, identify new ones (hearing loss, thyroid problems, high cholesterol, and numbness/paralysis, and suggest possible predisposing and triggering factors and events for BPPV.

  20. Financial planning considerations at retirement.

    Science.gov (United States)

    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.

  1. The employer's perspective on retirement

    NARCIS (Netherlands)

    K. Henkens; H.P. van Dalen

    2013-01-01

    In this chapter we discuss the literature with respect to the role of employers in retirement processes of older workers and provide suggestions for future research. In the first part of this chapter we will review existing theoretical insights regarding the employers’ actions and attitudes toward o

  2. The employer's perspective on retirement

    NARCIS (Netherlands)

    Henkens, C.J.I.M.; van Dalen, H.P.

    2011-01-01

    In this chapter we discuss the literature with respect to the role of employers in retirement processes of older workers and provide suggestions for future research. In the first part of this chapter we will review existing theoretical insights regarding the employers’ actions and attitudes toward o

  3. Lassoing the Determinants of Retirement

    DEFF Research Database (Denmark)

    Kallestrup-Lamb, Malene; Kock, Anders Bredahl; Kristensen, Johannes Tang

    This paper uses Danish register data to explain the retirement decision of workers in 1990 and 1998.Many variables might be conjectured to influence this decision such as demographic, socio-economic, financially and health related variables as well as all the same factors for the spouse in case t...

  4. Durable consumption, saving and retirement

    DEFF Research Database (Denmark)

    Andersen, Torben M.; Hermansen, Mikkel Nørlem

    2014-01-01

    welfare in stationary equilibrium, we find that a redution in wealth locking-in in durables is not necessarily welfare improving due to the effects on bequest. From a social welfare perspective, individuals tend to choose too much financial savings, too little durable acquisition and too early retirement....

  5. Dr. Hermann otto Sleumer retired

    NARCIS (Netherlands)

    Steenis, van C.G.G.J.

    1971-01-01

    On March 1st, 1971, Dr. Hermann Otto Sleumer, senior staff member of the Rijksherbarium, retired on reaching the age of 65 years. I have expressly omitted to say ‘from active service’, because his work has gone on uninterruptedly and he even had objections against spending one afternoon, on Febr. 26

  6. 22 CFR 19.11-7 - Annuity payable to surviving child or children.

    Science.gov (United States)

    2010-04-01

    ... 22 Foreign Relations 1 2010-04-01 2010-04-01 false Annuity payable to surviving child or children... payable to surviving child or children. (a) If a participant who has at least 18 months of civilian..., annuities are payable to a surviving child or children, as defined in § 19.2(e) as follows: (1) When...

  7. 5 CFR 838.734 - Payment of lump-sum awards by survivor annuity.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Payment of lump-sum awards by survivor... Orders Awarding Former Spouse Survivor Annuities Payment Procedures § 838.734 Payment of lump-sum awards by survivor annuity. OPM will not honor court orders awarding lump-sum payments (other than the...

  8. 5 CFR 843.304 - Commencing and terminating dates of survivor annuities.

    Science.gov (United States)

    2010-01-01

    ... survivor annuities. 843.304 Section 843.304 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT... EMPLOYEE REFUNDS Current and Former Spouse Benefits § 843.304 Commencing and terminating dates of survivor... may be restored under § 843.305. (d) A survivor annuity accrues on a daily basis, one-thirtieth of...

  9. 5 CFR 630.405 - Sick leave used in the computation of an annuity.

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 1 2010-01-01 2010-01-01 false Sick leave used in the computation of an annuity. 630.405 Section 630.405 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT CIVIL SERVICE REGULATIONS ABSENCE AND LEAVE Sick Leave § 630.405 Sick leave used in the computation of an annuity....

  10. 26 CFR 1.415(b)-2 - Multiple annuity starting dates. [Reserved

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 5 2010-04-01 2010-04-01 false Multiple annuity starting dates. 1.415(b)-2...) INCOME TAX (CONTINUED) INCOME TAXES Pension, Profit-Sharing, Stock Bonus Plans, Etc. § 1.415(b)-2 Multiple annuity starting dates....

  11. 29 CFR 4044.72 - Form of annuity to be valued.

    Science.gov (United States)

    2010-07-01

    ... 29 Labor 9 2010-07-01 2010-07-01 false Form of annuity to be valued. 4044.72 Section 4044.72 Labor Regulations Relating to Labor (Continued) PENSION BENEFIT GUARANTY CORPORATION PLAN TERMINATIONS ALLOCATION OF... annuity to be valued. (a) When both the participant and beneficiary are alive on the date of...

  12. Valuation of Inflation-Linked Annuities in a Lévy Market

    Directory of Open Access Journals (Sweden)

    Sure Mataramvura

    2011-01-01

    Full Text Available We study the problem of pricing an inflation adjusted annuity in a forward rates market with jumps. Since the market will be incomplete, we use the minimal fq-martingale measure Qq which we use for computing discounted expectations. We give explicit results for Qq together with explicit results for the price of the annuity.

  13. 5 CFR 842.505 - Reduction in annuity supplement because of excess earnings.

    Science.gov (United States)

    2010-01-01

    ... of excess earnings. 842.505 Section 842.505 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT... Supplement § 842.505 Reduction in annuity supplement because of excess earnings. (a)(1) Except as provided in... excess earnings in the test year, divided by twelve. (2) Any annuity supplement payable during the...

  14. Predictors of Retirement Satisfaction: A Path Model.

    Science.gov (United States)

    Kremer, Yael

    1985-01-01

    Examined adjustment to retirement among 310 former industrial and service workers. Respondents had come to terms with retirement and enjoyed their more relaxed lifestyle. Dominant variables in the path model were retirees' satisfaction with specific aspects of retirement: giving up work, activities with family and friends, rest, and free time. (BH)

  15. Adjusting to Retirement: Considerations for Counselors.

    Science.gov (United States)

    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)

  16. Back to School for Retired Baby Boomers

    Science.gov (United States)

    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…

  17. Early Retirement Incentive Programs for Teachers.

    Science.gov (United States)

    Tarter, Scott E.; McCarthy, Martha M.

    1989-01-01

    Despite their popularity, early retirement incentive programs (ERIPs) remain controversial. Although early retirement may be appealing to some teachers, others bristle at being shoved into retirement. Following a historical overview, this article summarizes recent state legislation and addresses ERIP legal status under the Age Discrimination in…

  18. Predictors of Early Retirement Among University Faculty.

    Science.gov (United States)

    Monahan, Deborah J.; Greene, Vernon L.

    1987-01-01

    Interviews with faculty at a university having an incentive early retirement plan revealed that those choosing to retire early were in poorer health, faced smaller proportional income decrement upon retirement, were less satisfied with teaching assignments, and considered themselves lower in research productivity and higher in teaching and…

  19. Don't Shy from Retirement Questions.

    Science.gov (United States)

    Ehrenberg, Ronald G.

    2001-01-01

    Discusses faculty retirement policy at colleges and universities, particularly findings from a survey by the American Association of University Professors. Explores defined-contribution plans, terminal leaves, phased retirement programs, and prerequisites that can enhance faculty retirements. Also addresses how trustee boards can help with…

  20. Perceptions of pre-retired employees of a public university about retirement

    Directory of Open Access Journals (Sweden)

    Desirée Ariane Modos Figueira

    2016-01-01

    Full Text Available Objective: to unveil the perceptions of pre-retired employees of a public university about retirement. Methods: qualitative research conducted with 16 pre-retired employees of a public university. Data were collected in monthly meetings in three focus groups that discussed aspects related to retirement and were analyzed by content analysis technique. Results: when identifying retirement as a possibility, pre-retired workers rescued the meaning of work, reflected on the life changes that retirement can lead and signaled the need for strategies for experiencing retirement. Conclusion: retirement brings up positive and negative perceptions, concerns and questions that reinforce the need to offer to pre-retired workers the opportunity to reflect on this stage of life and prepare to enjoy the post-career period with quality.

  1. Voices of Women Teachers about Gender Inequalities and Gender-Based Violence in Rural South Africa

    Science.gov (United States)

    de Lange, Naydene; Mitchell, Claudia; Bhana, Deevia

    2012-01-01

    Gender-based violence is a reality in many societies and is linked to the spread of HIV and AIDS. There have been numerous studies that have attempted to acquire an understanding of the breadth and depth of the issues around gender-based violence. However, one area that has received scant attention is the voices of women teachers. Thus, in this…

  2. Voices of Women Teachers about Gender Inequalities and Gender-Based Violence in Rural South Africa

    Science.gov (United States)

    de Lange, Naydene; Mitchell, Claudia; Bhana, Deevia

    2012-01-01

    Gender-based violence is a reality in many societies and is linked to the spread of HIV and AIDS. There have been numerous studies that have attempted to acquire an understanding of the breadth and depth of the issues around gender-based violence. However, one area that has received scant attention is the voices of women teachers. Thus, in this…

  3. Doorways I: Student Training Manual on School-Related Gender-Based Violence Prevention and Response

    Science.gov (United States)

    US Agency for International Development, 2009

    2009-01-01

    The Doorways training program was designed by the U.S. Agency for International Development (USAID)-funded Safe Schools Program (Safe Schools) to enable teachers, community members and students to prevent and respond to school-related gender-based violence (SRGBV). "Doorways I: Student Training Manual on School-Related Gender-Based Violence…

  4. Depressive Symptoms among Female College Students Experiencing Gender-Based Violence in Awassa, Ethiopia

    Science.gov (United States)

    Gelaye, Bizu; Arnold, Dodie; Williams, Michelle A.; Goshu, Miruts; Berhane, Yemane

    2009-01-01

    Little epidemiologic research has focused on the mental health effects of gender-based violence among sub-Saharan African women. The objective of this study was to assess risk of depression and depressive symptoms among 1,102 female undergraduate students who were victims of gender-based violence. Students who reported experience of any…

  5. The Evolution of Policy Enactment on Gender-Based Violence in Schools

    Science.gov (United States)

    Parkes, Jenny

    2016-01-01

    This article examines how policies and strategies to address school-related gender-based violence have evolved since 2000, when gender-based violence within education was largely invisible. Through an exploration of policy enactment in three countries--Liberia, South Africa, and Brazil--it traces remarkable progress in policy, programmes, and…

  6. Depressive Symptoms among Female College Students Experiencing Gender-Based Violence in Awassa, Ethiopia

    Science.gov (United States)

    Gelaye, Bizu; Arnold, Dodie; Williams, Michelle A.; Goshu, Miruts; Berhane, Yemane

    2009-01-01

    Little epidemiologic research has focused on the mental health effects of gender-based violence among sub-Saharan African women. The objective of this study was to assess risk of depression and depressive symptoms among 1,102 female undergraduate students who were victims of gender-based violence. Students who reported experience of any…

  7. The Evolution of Policy Enactment on Gender-Based Violence in Schools

    Science.gov (United States)

    Parkes, Jenny

    2016-01-01

    This article examines how policies and strategies to address school-related gender-based violence have evolved since 2000, when gender-based violence within education was largely invisible. Through an exploration of policy enactment in three countries--Liberia, South Africa, and Brazil--it traces remarkable progress in policy, programmes, and…

  8. 5 CFR 891.104 - Responsibilities of retirement offices.

    Science.gov (United States)

    2010-01-01

    ..., and for paying the Government contributions to these retired employees. (d) Retirement offices are... required for Government contribution for these retired employees. (c) Retirement offices are responsible... for Government contributions to retired employees within the jurisdiction of the retirement office who...

  9. Reserves and cash flows under stochastic retirement

    DEFF Research Database (Denmark)

    Gad, Kamille Sofie Tågholt; Nielsen, Jeppe Woetmann

    2016-01-01

    Uncertain time of retirement and uncertain structure of retirement benefits are risk factors for life insurance companies. Nevertheless, classical life insurance models assume these are deterministic. In this paper, we include the risk from stochastic time of retirement and stochastic benefit...... structure in a classical finite-state Markov model for a life insurance contract. We include discontinuities in the distribution of the retirement time. First, we derive formulas for appropriate scaling of the benefits according to the time of retirement and discuss the link between the scaling...

  10. Gender-based education during clerkships: a focus group study

    Directory of Open Access Journals (Sweden)

    van Leerdam L

    2014-02-01

    Full Text Available Lotte van Leerdam, Lianne Rietveld, Doreth Teunissen, Antoine Lagro-JanssenDepartment of Primary and Community Care, Gender and Women's Health, Radboud University Medical Center, Nijmegen, The NetherlandsObjectives: One of the goals of the medical master's degree is for a student to become a gender-sensitive doctor by applying knowledge of gender differences in practice. This study aims to investigate, from the students’ perspective, whether gender medicine has been taught in daily practice during clerkship.Methods: A focus group study was conducted among 29 medical students from Radboud University, Nijmegen, The Netherlands, who had just finished either their internal medicine or surgical clerkships. Data were analyzed in line with the principles of constant comparative analysis.Results: Four focus groups were conducted with 29 participating students. Clinical teachers barely discuss gender differences during students’ clerkships. The students mentioned three main explanatory themes: insufficient knowledge; unawareness; and minor impact. As a result, students feel that they have insufficient competencies to become gender-sensitive doctors.Conclusion: Medical students at our institution perceive that they have received limited exposure to gender-based education after completing two key clinical clerkships. All students feel that they have insufficient knowledge to become gender-sensitive doctors. They suppose that their clinical teachers have insufficient knowledge regarding gender sensitivity, are unaware of gender differences, and the students had the impression that gender is not regarded as an important issue. We suggest that the medical faculty should encourage clinical teachers to improve their knowledge and awareness of gender issues.Keywords: medical education, clerkship, gender, hidden curriculum, clinical teachers

  11. Worries and plans as individuals approach retirement.

    Science.gov (United States)

    Yakoboski, Paul J

    2011-01-01

    The primary objective of an employment-based retirement plan is to provide a secure and adequate income for workers throughout retirement. In the defined contribution (DC) framework, asset accumulation is a means to the end, but not the end. Drawing retirement income from savings and paying for health care expenses in retirement are the two issues that concern individuals the most as they approach retirement. This article examines the attitudes of near-retirees regarding these risks and their plans for managing them. The author discusses how DC plan design can have a major impact on how individuals convert their retirement savings to retirement income; differences in survey responses between those who have consulted a financial advisor or other financial professional and those who have not; and the role of trust in implementing advice.

  12. Stealth Compensation via Retirement Benefits

    OpenAIRE

    Bebchuk, Lucian Arye

    2004-01-01

    This paper analyzes an important form of "stealth compensation" provided to managers of public companies. We show how boards have been able to camouflage large amounts of executive compensation through the use of retirement benefits and payments. Our study illustrates the significant role that camouflage and stealth compensation play in the design of compensation arrangements. It also highlights the importance of having information about compensation arrangements not only publicly available b...

  13. Stealth Compensation Via Retirement Benefits

    OpenAIRE

    Lucian Arye Bebchuk; Fried, Jesse M.

    2004-01-01

    This paper analyzes an important form of "stealth compensation" provided to managers of public companies. We show how boards have been able to camouflage large amount of executive compensation through the use of retirement benefits and payments. Our study highlights the significant role that camouflage and stealth compensation play in the design of compensation arrangements. Our study also highlights the significance of whether information about compensation arrangements is not merely publicl...

  14. Perceptions of gender-based discrimination during surgical training and practice

    Directory of Open Access Journals (Sweden)

    Adrienne N. Bruce

    2015-02-01

    Full Text Available Background: Women represent 15% of practicing general surgeons. Gender-based discrimination has been implicated as discouraging women from surgery. We sought to determine women's perceptions of gender-based discrimination in the surgical training and working environment. Methods: Following IRB approval, we fielded a pilot survey measuring perceptions and impact of gender-based discrimination in medical school, residency training, and surgical practice. It was sent electronically to 1,065 individual members of the Association of Women Surgeons. Results: We received 334 responses from medical students, residents, and practicing physicians with a response rate of 31%. Eighty-seven percent experienced gender-based discrimination in medical school, 88% in residency, and 91% in practice. Perceived sources of gender-based discrimination included superiors, physician peers, clinical support staff, and patients, with 40% emanating from women and 60% from men. Conclusions: The majority of responses indicated perceived gender-based discrimination during medical school, residency, and practice. Gender-based discrimination comes from both sexes and has a significant impact on women surgeons.

  15. Tax-deferred annuity plans: meeting the IRS audit challenge.

    Science.gov (United States)

    Schussler, M

    1997-01-01

    A growing number of nonprofit organizations are being fined for violations of IRS regulations following IRS audits of their tax-deferred annuity (TDA) plans. To ensure that their organizations can withstand the scrutiny of an IRS audit, TDA plan administrators must ensure that plans meet IRS regulations and be prepared for IRS audits. Documentation--particularly of the TDA plan itself, and procedures related to salary reduction programs, compensation limits, excess deferrals and other excess contributions, loans, and distributions--must be comprehensive and in compliance with IRS regulations.

  16. The effect of retirement on cognitive functioning.

    Science.gov (United States)

    Coe, Norma B; von Gaudecker, Hans-Martin; Lindeboom, Maarten; Maurer, Jürgen

    2012-08-01

    Cognitive impairment has emerged as a major driver of disability in old age, with profound effects on individual well-being and decision making at older ages. In the light of policies aimed at postponing retirement ages, an important question is whether continued labour supply helps to maintain high levels of cognition at older ages. We use data of older men from the US Health and Retirement Study to estimate the effect of continued labour market participation at older ages on later-life cognition. As retirement itself is likely to depend on cognitive functioning and may thus be endogenous, we use offers of early retirement windows as instruments for retirement in econometric models for later-life cognitive functioning. These offers of early retirement are legally required to be nondiscriminatory and thus, inter alia, unrelated to cognitive functioning. At the same time, these offers of early retirement options are significant predictors of retirement. Although the simple ordinary least squares estimates show a negative relationship between retirement duration and various measures of cognitive functioning, instrumental variable estimates suggest that these associations may not be causal effects. Specifically, we find no clear relationship between retirement duration and later-life cognition for white-collar workers and, if anything, a positive relationship for blue-collar workers.

  17. Invalidation: A Neglected Dimension of Gender-based Violence and Inequality

    Directory of Open Access Journals (Sweden)

    Michael Salter

    2012-11-01

    Full Text Available This article proposes that invalidation is a pervasive manifestation of gender relations as expressed through strategies of minimisation, disbelief and denial. Invalidation is embedded within interpersonal and institutionalised arrangements and interactions. It is a constitute element of gender-based violence as well as a socio-political condition that enables gender-based violence. Invalidation serves to inscribe gender relations upon the bodies of women through the mental and physical health deficits of the gender-based violence that it enables and facilitates, as well as through the denial of testimonial legitimacy and the consequent withholding of resources, support and services.

  18. Reconceptualizing retirement: A status-based approach.

    Science.gov (United States)

    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).

  19. Retaining nursing faculty beyond retirement age.

    Science.gov (United States)

    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.

  20. Military Retirement: Background and Recent Developments

    Science.gov (United States)

    2014-05-28

    Military Retirement: Background and Recent Developments David F. Burrelli Specialist in Military Manpower Policy Barbara Salazar Torreon...00-00-2014 to 00-00-2014 4. TITLE AND SUBTITLE Military Retirement: Background and Recent Developments 5a. CONTRACT NUMBER 5b. GRANT NUMBER 5c...Recent Developments Congressional Research Service Summary The military retirement system is a noncontributory, defined benefit system that has

  1. Financial Literacy and Retirement Savings in Germany

    OpenAIRE

    2012-01-01

    The German pension reforms in 2001 and 2004 increased the importance of private supplemental savings for retirement. Calculating the appropriate retirement income needed and choosing the right product postulates some degree of financial knowledge, also referred to as financial literacy. This paper investigates the relationship between financial literacy and private retirement savings. Germans seem to have a good grasp of basic financial concepts. However, individuals with low education face s...

  2. Military Retirement: Background and Recent Developments

    Science.gov (United States)

    2016-04-06

    a choice between two options (High-Three or Career Status Bonus/Redux) based on career expectations and the individual’s financial situation. Reserve...Military retirees, families , and veterans’ service organizations closely monitor potential future changes to the retirement system. When considering...facilities and programs. The active component retirement system provides a choice between two retirement options based on career expectations and

  3. Military Retirement: Background and Recent Developments

    Science.gov (United States)

    2017-02-27

    active forces.  To provide economic security for former members of the armed forces during their old age. The active component retirement system...of strong economic performance. Table 1. DOD Retired Military Personnel, Survivors, and Program Costs, FY2005-FY2015 FY Retired Pay Recipients...30 The actual index used to adjust COLA is the CPI-W; the index for urban wage earners and clerical

  4. Patriarchy and Gender-Based Violence: Experiences of Female Sex Workers in India

    OpenAIRE

    Sharvari Karandikar; Caren Frost; Lindsay GezinskiLindsay Gezinski

    2014-01-01

    This qualitative study explored gender-based violence among female sex workers in India. Ten sex workers from Kamathipura, Asia's largest red-light area based in Mumbai, were interviewed. Radical sexual pluralist feminist theory informed data analysis and data interpretation. Results revealed high incidence of gender-based violence with sex workers reporting intense physical and sexual violence and coercion from male partners, pimps and clients. The exposure to violence significantly contribu...

  5. THE DEVELOPMENT OF THE REGULATIONS ON GENDER BASED VIOLENCE IN ROMANIA AND SPAIN

    Directory of Open Access Journals (Sweden)

    LAVINIA MIHAELA VLADILA

    2012-05-01

    Full Text Available In this article, I will present the evolution of the regulation of gender based violence in Romania and Spain. This new theme is one of actuality, due to the situations that frequently happen in our social life. Both Romania and Spain have a high level of gender based violence, even if nowadays in our country are few statistics on this matter. But also, both countries now enjoy good legislations, which have been developed in the last 10 years.

  6. THE DEVELOPMENT OF THE REGULATIONS ON GENDER BASED VIOLENCE IN ROMANIA AND SPAIN

    Directory of Open Access Journals (Sweden)

    Lavinia Mihaela VL DIL

    2012-06-01

    Full Text Available In this article, I will present the evolution of the regulation of gender based violence in Romania and Spain. This new theme is one of actuality, due to the situations that frequently happen in our social life. Both Romania and Spain have a high level of gender based violence, even if nowadays in our country are few statistics on this matter. But also, both countries now enjoy good legislations, which have been developed in the last 10 years.

  7. The evolution of policy enactment on gender-based violence in schools

    OpenAIRE

    Parkes, J. L. N.

    2016-01-01

    This paper examines how policies and strategies to address school-related gender-based violence have evolved since 2000, when gender-based violence within education was largely invisible. Through an exploration of policy enactment in three countries, Liberia, South Africa and Brazil, it traces remarkable progress in policy, programmes and research. The analysis asks why, despite such achievements, there is little evidence that these policy enactments have succeeded in reducing violence. The c...

  8. Retirement Planning Among Hispanics: In God's Hands?

    Science.gov (United States)

    Blanco, Luisa R; Aguila, Emma; Gongora, Arturo; Duru, O Kenrik

    2016-12-15

    We conducted a qualitative study on retirement preparedness among middle-aged and older low-income Hispanics in Los Angeles. Data were derived from four focus groups conducted in the greater Los Angeles area. Findings demonstrate how behavioral and cultural factors-family experiences, religiosity, and denial of retirement-explain the lack of savings and preparedness for retirement. Findings also indicate that the majority of participants want to be economically independent and to keep working until they are unable to do so. Participants helped their parents financially but did not feel comfortable asking their own children for help. Instead, participants placed their survival in retirement "in God's hands."

  9. Career's End: A Survey of Faculty Retirement Policies.

    Science.gov (United States)

    Ehrenberg, Ronald G.

    2001-01-01

    Surveyed changes in retirement policies for tenured faculty at a large national sample of colleges and universities. Found variations in the characteristics of regular retirement programs, in the existence and nature of retirement-incentive and phased-retirement programs, in institutional policies relating to retired faculty, and in institutions'…

  10. Health services for survivors of gender-based violence in northern Uganda: a qualitative study.

    Science.gov (United States)

    Henttonen, Mirkka; Watts, Charlotte; Roberts, Bayard; Kaducu, Felix; Borchert, Matthias

    2008-05-01

    The 20-year war in northern Uganda has resulted in up to 1.7 million people being internally displaced, and impoverishment and vulnerability to violence amongst the civilian population. This qualitative study examined the status of health services available for the survivors of gender-based violence in the Gulu district, northern Uganda. Semi-structured interviews were carried out in 2006 with 26 experts on gender-based violence and general health providers, and availability of medical supplies was reviewed. The Inter-Agency Standing Committee (IASC) guidelines on gender-based violence interventions in humanitarian settings were used to prepare the interview guides and analyse the findings. Some legislation and programmes do exist on gender-based violence. However, health facilities lacked sufficiently qualified staff and medical supplies to adequately detect and manage survivors, and confidential treatment and counselling could not be ensured. There was inter-sectoral collaboration, but greater resources are required to increase coverage and effectiveness of services. Intimate partner violence, sexual abuse of girls aged under 18, sexual harassment and early and forced marriage may be more common than rape by strangers. As the IASC guidelines focus on sexual violence by strangers and do not address other forms of gender-based violence, we suggest the need to explore this issue further to determine whether a broader concept of gender-based violence should be incorporated into the guidelines.

  11. Early Retirement. A New Issue in Higher Education: The Financial Consequences of Early Retirement.

    Science.gov (United States)

    Jenny, Hans H.; Acton, Mary Ann

    This essay attempts to do the following: first, offer a definition of early retirement in order to establish boundaries for the discussion. Second, sketch some of the background and reasons why early retirement may be desirable; also it suggests why early retirement might not always be a constructive practice. Then the essay turns to the main…

  12. Measuring Years of Inactivity, Years in Retirement, Time to Retirement, and Age at Retirement Within the Markov Model

    Science.gov (United States)

    SKOOG, GARY R.; CIECKA, JAMES E.

    2010-01-01

    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 .38 for 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. PMID:20879680

  13. PREPARATION FOR RETIREMENT - AVS SEMINAR

    CERN Multimedia

    Social Service

    2001-01-01

    The 500 or so participants in the fifth Preparation for Retirement seminar held at the end of March were unfortunately deprived of the planned session on the AVS due to the unavailability of the Director of the Caisse Cantonale Genevoise de Compensation (CCGC). We have since had formal confirmation that because of an extra workload due to important changes in the Swiss tax and social legislation and the implementation this summer of the maternity insurance in Geneva, the CCGC has suspended its participation in preparation for retirement seminars in the international organisations for the time being. Conscious of the necessity of offering a session dedicated to the AVS, it is with pleasure that we can inform you that one of our legal advisers, Mr Lorenz Stampfli, has accepted to lead this session. In order to allow for adequate preparation we have reserved the following date: Wednesday 26 September from 14.00 to 16.00 in the Main Amphitheatre The session will be open to all people already registered and any o...

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

    Science.gov (United States)

    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)

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

    Science.gov (United States)

    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

  16. Retirement Plan Lawsuits: Preparing for the Storm

    Science.gov (United States)

    Morahan, John; Turner, Aaron

    2017-01-01

    Currently, higher education is being roiled by class-action lawsuits filed against high-profile institutions, including MIT, Yale and New York University, over management of their retirement plans. As the lawyers are deployed and the billable hours accrue, it is timely to examine how those who have responsibility for retirement plan…

  17. Mid-Career Change and Early Retirement.

    Science.gov (United States)

    Patton, Carl V.

    1978-01-01

    An NSF study suggests that important qualitative changes in the faculty may be obtained through increased attention to mid-career change and early retirement programs. Interest in career options, early retirement alternatives, evaluation criteria, mid-career change alternatives, internship, fellowship programs, and retraining programs are…

  18. Subjective Well-Being Around Retirement

    NARCIS (Netherlands)

    Abolhassani, Marzieh; Alessie, Rob

    2013-01-01

    This paper studies the effect of both retirement and unemployment on life satisfaction, using subjective satisfaction indicators from the German Socio-Economic Panel. Moreover, we analyze how accurate individuals anticipate changes in satisfaction around retirement, as well as the correlation betwee

  19. Leisure and the Retired Professor: Occupation Matters

    Science.gov (United States)

    Dorfman, Lorraine; Kolarik, Douglas

    2005-01-01

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

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

    Science.gov (United States)

    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…

  1. Caregiving intensity and retirement status in Canada.

    Science.gov (United States)

    Jacobs, Josephine C; Laporte, Audrey; Van Houtven, Courtney H; Coyte, Peter C

    2014-02-01

    A number of OECD countries have implemented policies encouraging longer labour force participation in tandem with policies encouraging informal care provision in the community. To better understand how these policies may affect the available pool of caregivers and labour force participants, we need more evidence about how informal caregiving is related to retirement status and timing. We assessed the association between caregiving intensity and retirement status for individuals aged 55 to 69 using the Canadian 2007 General Social Survey, a cross-sectional survey with 23,404 individuals. We used multinomial logistic regressions to determine whether providing different intensities of informal care (i.e. hours of weekly care) was significantly associated with the likelihood that an individual was fully retired, had retired and returned to work, had never retired and was working part-time or full-time, or was a labour market non-participant. We found that higher intensity caregiving was associated with being fully retired (relative to working full-time) for men and women (relative risk ratios, 2.93 and 2.04, respectively). For women, high intensity caregiving was also associated with working part-time (1.84) and being a labour force non-participant (1.99). Male and female high intensity caregivers were more likely to be retired before age 65. Our results highlight the importance of measuring caregiving intensity and multiple paths to retirement, which are often overlooked in the caregiving and retirement literature. They also indicate that a policy context encouraging both later retirement and more informal care may not be reasonable without flexible work arrangement options.

  2. 5 CFR 831.1211 - Reinstatement of disability annuity.

    Science.gov (United States)

    2010-01-01

    ....1211 Section 831.1211 Administrative Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE... OPM. (e) When a disability annuitant whose earning capacity has been restored but who is not... recovered from the disability for which retired, loses his or her earning capacity, as determined by...

  3. Testing a Dual Process Model of Gender-Based Violence: A Laboratory Examination.

    Science.gov (United States)

    Berke, Danielle S; Zeichner, Amos

    2016-01-01

    The dire impact of gender-based violence on society compels development of models comprehensive enough to capture the diversity of its forms. Research has established hostile sexism (HS) as a robust predictor of gender-based violence. However, to date, research has yet to link men's benevolent sexism (BS) to physical aggression toward women, despite correlations between BS and HS and between BS and victim blaming. One model, the opposing process model of benevolent sexism (Sibley & Perry, 2010), suggests that, for men, BS acts indirectly through HS to predict acceptance of hierarchy-enhancing social policy as an expression of a preference for in-group dominance (i. e., social dominance orientation [SDO]). The extent to which this model applies to gender-based violence remains untested. Therefore, in this study, 168 undergraduate men in a U. S. university participated in a competitive reaction time task, during which they had the option to shock an ostensible female opponent as a measure of gender-based violence. Results of multiple-mediation path analyses indicated dual pathways potentiating gender-based violence and highlight SDO as a particularly potent mechanism of this violence. Findings are discussed in terms of group dynamics and norm-based violence prevention.

  4. 5 CFR 831.601 - Purpose and scope.

    Science.gov (United States)

    2010-01-01

    ... (CONTINUED) RETIREMENT Survivor Annuities Organization and Structure of Regulations on Survivor Annuities... the types of evidence required to demonstrate entitlement to provide survivor annuities or qualify for...

  5. 事业单位推行职业年金制度的几个问题%Relevant Issues on Adopting Occupational Annuity in Public Institutions

    Institute of Scientific and Technical Information of China (English)

    游春

    2012-01-01

    随着我国人口老龄化加剧及各事业单位从业人数不断增加,退休养老保险成为社会一大问题。为了缓解因此而产生的政府财政支出压力,改变我国事业单位与普通企业不同的养老保险制度的格局以促进社会公平,国务院于2009年初开始在全国五省市开始事业单位职业年金试点工作,但目前实施进度慢,效果欠佳。本文分析了我国职业年金实行初期存在制度对接、事业单位资金不足和规划不够等问题,并提出了一系列措施建议,以促进职业年金能在试点初期有所成效,进而为其能够在全国全面推广打下基础。%Due to the increasing of the number of employees in public institutions and the continuous aging of population, retirement pension insurance is becoming a big social issue in China. In order to alleviate the resulting government spending pressure and change the different pension insurance systems between public institutions and general corporates, which will promote social equity, the State Council started to reform the occupational annuity system of public institutions in five provinces and cities in early 2009, but the current progress of the reform is ineffective and slow. This paper analyzed the problems in implementing China's occupational annuity system in the early stage which mainly related to system interfacing, insufficient funds and inadequate planning in public institutions and so on. At last, this paper recommended a series of measures in order to effectively promote the occupational annuity system, which would lay the foundation for nationwide rolling-out.

  6. Social support, early retirement, and a retirement preference: a study of 10,489 Finnish adults.

    Science.gov (United States)

    Elovainio, Marko; Kivimäki, Mika; Vahtera, Jussi; Ojanlatva, Ansa; Korkeila, Katariina; Suominen, Sakari; Helenius, Hans; Koskenvuo, Markku

    2003-04-01

    The aim of the study was to examine associations of social support with early retirement and reported retirement preference. Logistic regression analyses of early retirement (retired before the age of 55) were based on a cohort of 10,489 respondents (5960 female, 4529 male) aged 40-55 years. Analyses of retirement preference (planning of early retirement) were based on a sub-cohort of 7759 full-time employees (4233 female, 3526 male). The measures for social support were the social network size (number of close personal relationships) and social network heterogeneity (number of different roles as sources of social support). Among women, early retirement was associated with small social networks (OR 5.1, 95% CI = 2.8-9.2) and low social network heterogeneity (OR 9.1, 95% CI = 3.2-25.9). Among men, the corresponding associations were somewhat smaller (1.5; 0.9-2.6 and 8.0; 1.8-35.7, respectively). Adjustments for age, occupational training, and spouse at home did not considerably affect these associations. Among men, the association between social network heterogeneity and early retirement was not statistically significant after additional adjustments had been made for marital status and perceived health status. The characteristics of the social network were not associated with a retirement preference among employed men. Among women, the lack of social relations was associated with low retirement preference. Our findings suggested that social support is not independently associated with a retirement preference among men. Socially isolated women prefer retirement less often than other women do. Being retired before the age of 55 years may be predicted by limited social support or it may restrain one's possibilities to establish and maintain social relationships.

  7. RETIREMENT AND QUALITY OF LIFE IN SENIORS

    Directory of Open Access Journals (Sweden)

    Idalia Alpízar Jiménez

    2011-06-01

    Full Text Available Interest in retirement is on the increase, especially given the rapid demographic changes and increasing life expectancy. Retirement is a process that requires a comprehensive approach and gerontological intervention. Since it is associated with old age it often implies a threat, particularly for those who have made work their source of identity. The impact of the transition from an active stage to a less active period may trigger some conditions that may be detrimental to the individual´s physical and emotional health. This happens because retirees have not undergone the appropriate retirement preparation and adaptation processes. Adaptation is therefore essential for retirement to be pleasant and for the retiree to enjoy a higher quality of life. Consequently, it is pertinent that all entities have programs aimed at providing proper orientation for the retirement process. In particular, the National University of Costa Rica has not implemented proper guidelines to address the retirees´ situation. Although actions have been taken on some occasions, they have not been followed up on. Within this context, it makes sense to have a retirement adaptation program designed to include gerontological aspects in the National University retirement process. From a holistic point of view, intervention contributes to a better acceptance of old age and its accompanying transitions, which are characterized by a series of losses, mainly including the loss of the employment role and status.

  8. Early retirement and mortality in Germany.

    Science.gov (United States)

    Kühntopf, Stephan; Tivig, Thusnelda

    2012-02-01

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

  9. Women working at university restaurants: life and work conditions and gender-based violence

    Directory of Open Access Journals (Sweden)

    Kelly Cristina Maxima Pereira Venancio

    2013-10-01

    Full Text Available This is an exploratory and descriptive study with a quantitative approach that aimed to understand the social production and reproduction processes of women working at university restaurants and the occurrence and the magnitude of gender-based violence committed against them by their intimate partners. The data were collected through semi-structured interviews. The analysis categories used were social production and reproduction, gender and gender-based violence. The interviewees held a subordinate social position during the productive and reproductive periods of their lives. Approximately 70% reported having experienced gender-based violence from an intimate partner (66% psychological violence, 36.3% physical violence and 28.6% sexual violence. Most of the health problems resulting from violence were related to mental health. The results indicate that the situation requires immediate interventions, mostly guided by the instrumentalization of these women and the support by the state and the university as appropriate to address violence.

  10. The perception and experience of gender-based discrimination related to professional advancement among Japanese physicians.

    Science.gov (United States)

    Yasukawa, Kosuke; Nomura, Kyoko

    2014-01-01

    Previous studies from the US have found that female physicians often experience gender-based discrimination related to professional advancement. In Japan, female physicians are underrepresented in leadership positions but little is known about the prevalence of gender discrimination. We investigated the perception and prevalence of gender-based career obstacles and discrimination among Japanese physicians. The study was based on surveys of alumnae from 13 medical schools and alumni from 3 medical schools. In total, 1,684 female and 808 male physicians completed a self-administered questionnaire (response rate 83% and 58%). More women than men had the perception of gender-based career obstacles for women (77% vs. 55%; p Women with part-time positions were more likely to have the perception of gender-based career obstacles than women working full-time (OR 1.32, 95% CI: 1.01-1.73). More women than men reported experience of gender discrimination related to professional advancement (21% vs. 3%; p gender discrimination included age (p Women older than 40 years were more likely to experience gender discrimination compared with younger women (OR 5.77, 95% CI: 1.83-18.24 for women above 50, and OR 3.2, 95% CI: 1.48-7.28 for women between 40 and 49) and women with PhD were more likely to experience gender discrimination (OR 4.23, 95% CI: 1.81-9.89). Our study demonstrated that a significant proportion of Japanese women experienced gender-based discrimination and perceived gender-based career obstacles compared with male physicians.

  11. Ageing, government budgets, retirement, and growth

    DEFF Research Database (Denmark)

    Gonzalez Eiras, Martin; Niepelt, Dirk

    2012-01-01

    changes of taxes, government spending components and the retirement age in politico-economic equilibrium. Growth is driven by capital accumulation and productivity increases fueled by public investment. The closed-form solutions of the model predict taxation and the retirement age in OECD economies...... to increase in response to demographic ageing and per-capita growth to accelerate. If the retirement age were held constant, the growth rate in politico-economic equilibrium would essentially remain unchanged, due to a surge of social security transfers and crowding out of public investment....

  12. 5 CFR 831.2207 - Partial deferred payment of the lump-sum credit if annuity commences after January 3, 1988, and...

    Science.gov (United States)

    2010-01-01

    ... credit if annuity commences after January 3, 1988, and before October 1, 1989. 831.2207 Section 831.2207... annuity commences after January 3, 1988, and before October 1, 1989. (a) Except as provided in paragraph (c) of this section, if the annuity of an employee or Member commences after January 3, 1988,...

  13. 26 CFR 20.2031-8 - Valuation of certain life insurance and annuity contracts; valuation of shares in an open-end...

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 14 2010-04-01 2010-04-01 false Valuation of certain life insurance and annuity... certain life insurance and annuity contracts. (1) The value of a contract for the payment of an annuity, or an insurance policy on the life of a person other than the decedent, issued by a company...

  14. 26 CFR 1.404(e)-1 - Contributions on behalf of a self-employed individual to or under a pension, annuity, or profit...

    Science.gov (United States)

    2010-04-01

    ... individual to or under a pension, annuity, or profit-sharing plan meeting the requirements of section 401... self-employed individual to or under a pension, annuity, or profit-sharing plan meeting the... certain self-employed individuals to be treated as employees for purposes of pension, annuity, and...

  15. 26 CFR 1.404(a)-7 - Pension and annuity plans; contributions in excess of limitations under section 404(a)(1...

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 5 2010-04-01 2010-04-01 false Pension and annuity plans; contributions in... (CONTINUED) INCOME TAXES Pension, Profit-Sharing, Stock Bonus Plans, Etc. § 1.404(a)-7 Pension and annuity...)(D). When contributions paid by an employer in a taxable year to or under a pension or annuity plan...

  16. Impact of gender-based career obstacles on the working status of women physicians in Japan.

    Science.gov (United States)

    Nomura, Kyoko; Gohchi, Kengo

    2012-11-01

    Research has shown that women physicians work fewer hours and are more likely to become inactive professionally and to switch to part-time labor, compared with their male counterparts. The published literature suggests that a gender disparity still exists in medicine which may decrease work motivation among women physicians. The authors investigated whether the experience and the perception of gender-based career obstacles among women physicians in Japan are associated with their working status (i.e., full-time vs. part-time). The present cross-sectional study is based on surveys of alumnae from 13 private medical schools in Japan conducted between June 2009 and May 2011. Of those who agreed to participate in this study, 1684 completed a self-administered questionnaire (overall response rate 83%). Experience of gender-based obstacles was considered affirmative if a woman physician had been overlooked for opportunities of professional advancement based on gender. Perception of gender-based obstacles referred to the self-reported degree of difficulty of promotion and opportunities for a position in higher education. Approximately 20% of the study participants responded that they experienced gender-based obstacles while 24% answered that they were not sure. The scores for perception of gender-based career obstacles were statistically higher among part-time workers compared with full-time workers (mean difference = 1.20, 95% CI: 0.39-2.00). Adjusting for age, marital status, the presence of children, workplace, board certification, holding a PhD degree, overall satisfaction of being a physician, and household income, stepwise logistic regression models revealed that physicians with the strongest perception of gender-based career obstacles were more likely to work part-time rather than full-time (OR, 0.59; 95% CI: 0.40-0.88). Although the experience of gender-based obstacles was not associated with working status among women physicians, the results demonstrated that a

  17. Gender-based street harassment and communication strategies. A comparative analysis between Spain and Morocco

    OpenAIRE

    Berenguer, Belén Zurbano; Vayá, Irene Liberia; Bouchara, Aicha

    2016-01-01

    Gender-based street harassment is a common form of intimidation and control of women in the patriarchal society. It constitutes a violation of human rights and it is widely present in all societies today. In this paper we assume the gender perspective to understand the street harassment as a manifestation of gender-based violence. Then, we go in depth into media representations of this kind of practices, focusing on traditional media as well as alternative media. All this assuming that this p...

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

    Science.gov (United States)

    Ogunbameru, Olakunle A.; Bamiwuye, Sina

    2004-01-01

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

  19. "Mental retirement?" Trajectories of work engagement preceding retirement among older workers.

    Science.gov (United States)

    de Wind, Astrid; Leijten, Fenna Rm; Hoekstra, Trynke; Geuskens, Goedele A; Burdorf, Alex; van der Beek, Allard J

    2017-01-01

    Objectives Before actual retirement, employees may already distance themselves from work, which could be referred to as "mental retirement". However, trajectories of work motivation, ie, work engagement, have not been studied yet. The present study aimed to (i) identify different trajectories of work engagement among older workers approaching the retirement age, and (ii) examine their associations with actual retirement. Methods In total 3171 employees aged 55-62 years, who participated in the Dutch Study on Transitions in Employment, Ability and Motivation were included in this study. Participants completed questionnaires in 2010, 2011, 2012, and 2013. Latent class growth mixture modeling was performed to identify groups of employees with similar three-year trajectories in work engagement. Logistic regression analyses were performed to study whether trajectory membership was associated with retirement. Results Of the 3171 employees, 16.2% made a transition from work to (early) retirement (N=513). Four trajectories of work engagement were identified: steady high (76.3%), steady low (12.7%), decreasing (6.2%), and increasing (4.8%). A steady low work engagement trajectory was associated with retirement [odds ratio (OR) 1.46], compared to a steady high work engagement trajectory. Although not statistically significant, an increasing work engagement trajectory seemed to be associated with retirement as well (OR 1.60). Conclusions This study did not support the concept of mental retirement before actual retirement, ie, a decrease in work engagement among those facing retirement. However, as one in eight employees did experience steady low work engagement in the years before retirement, interventions promoting work motivation are recommended to support the employability of these employees.

  20. 26 CFR 1.401(e)-4 - Contributions for premiums on annuity, etc., contracts and transitional rule for certain excess...

    Science.gov (United States)

    2010-04-01

    ... made under a qualified pension, annuity, or profit-sharing plan on behalf of a self-employed individual... 26 Internal Revenue 5 2010-04-01 2010-04-01 false Contributions for premiums on annuity, etc... TAXES Pension, Profit-Sharing, Stock Bonus Plans, Etc. § 1.401(e)-4 Contributions for premiums...

  1. 26 CFR 1.404(a)-5 - Pension and annuity plans; limitations under section 404(a)(1)(B).

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 5 2010-04-01 2010-04-01 false Pension and annuity plans; limitations under... OF THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES Pension, Profit-Sharing, Stock Bonus Plans, Etc. § 1.404(a)-5 Pension and annuity plans; limitations under section 404(a)(1)(B). (a) Subject...

  2. 26 CFR 1.404(a)-4 - Pension and annuity plans; limitations under section 404(a)(1)(A).

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 5 2010-04-01 2010-04-01 false Pension and annuity plans; limitations under... OF THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES Pension, Profit-Sharing, Stock Bonus Plans, Etc. § 1.404(a)-4 Pension and annuity plans; limitations under section 404(a)(1)(A). (a) Subject...

  3. 26 CFR 1.404(a)-6 - Pension and annuity plans; limitations under section 404(a)(1)(C).

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 5 2010-04-01 2010-04-01 false Pension and annuity plans; limitations under... OF THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES Pension, Profit-Sharing, Stock Bonus Plans, Etc. § 1.404(a)-6 Pension and annuity plans; limitations under section 404(a)(1)(C). (a...

  4. 5 CFR 847.607 - Methodology for determining the present value of annuity without service credit-credit needed for...

    Science.gov (United States)

    2010-01-01

    ... Employee Costs Under the Retroactive Provisions § 847.607 Methodology for determining the present value of... present value of the annuity without credit for the NAFI service under paragraph (b) or (c) of this section. (b)(1) In cases in which the annuity is payable to a retiree, the present value under...

  5. 5 CFR 847.606 - Methodology for determining the present value of annuity without service credit-credit not needed...

    Science.gov (United States)

    2010-01-01

    ..., OPM will determine the present value of the annuity without credit for the NAFI service under... service as of the date of computation under § 847.603 times the present value factor for the retiree's age on that date. (c) In cases in which the annuity is payable to a survivor, the present value...

  6. 5 CFR 847.905 - How is the present value of an immediate annuity with credit for NAFI service computed?

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false How is the present value of an immediate....905 How is the present value of an immediate annuity with credit for NAFI service computed? (a) OPM will determine the present value of the immediate annuity including service credit for NAFI service...

  7. Extension of the pre-retirement programmes

    CERN Document Server

    2015-01-01

    Following a recommendation by the Standing Concertation Commitee at its meeting on 9 November 2015 and approval by the Director-General, please note that:   the Progressive Retirement Programme has been extended by one year, from 1 April 2016 until 31 March 2017;   the Scheme of Part-Time Work as a Pre-retirement Measure has also been extended by one year, from 1 January 2016 until 31 December 2016. Further information is available from the following sites: - https://admin-eguide.web.cern.ch/en/procedure/progressive-retirement-programme-prp - https://admin-eguide.web.cern.ch/en/procedure/part-time-work-pre-retirement-measure-ptp Human Resources Department Tel.: 79257 / 73903

  8. Retirement responses to social security changes.

    Science.gov (United States)

    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.

  9. Advice from working women with retired partners.

    Science.gov (United States)

    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. Survey and Analysis of Early Retirement Policies

    Science.gov (United States)

    Taylor, Alton L.; Coolidge, Herbert E.

    1974-01-01

    Presents data from a study of member institutions of the Association of American Universities to determine the extent to which early retirement is being used in the nation's higher education institutions. (Editor/PG)

  11. An Argument for Early Retirement Incentive Planning.

    Science.gov (United States)

    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. CHALLENGES POSED BY RETIRED RUSSIAN NUCLEAR SUBMARINES

    Energy Technology Data Exchange (ETDEWEB)

    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.

  13. Optimizing the aging, retirement, and pensions dilemma

    CERN Document Server

    Bertocchi, Marida; Ziemba, William T.

    2010-01-01

    A straightforward guide focused on life cycle investing-namely aging, retirement, and pensions Life cycle investing and the implications of aging, retirement, and pensions continues to grow in importance. With people living longer, the relative and absolute number of retirees is growing while the number of workers contributing to pension funds is declining. This reliable resource develops a detailed economic analysis-at the micro (individual) and macro (economy wide) levels-which addresses issues regarding the economics of an aging population. Topics touched upon include retirement and the associated health care funding of the aged as well as social security and the asset classes that are considered asset-liability choices over time. The probability of achieving adequate return patterns from various investment strategies and asset classes is reviewed Shares rich insights on the aging, retirement, and pensions dilemma An assessment of the resources the real economy will be able to commit to non-workers is prov...

  14. Does retirement reduce the risk of mental disorders?

    DEFF Research Database (Denmark)

    Olesen, Kasper; Rod, Naja Hulvej; Madsen, Ida E.H.;

    2015-01-01

    OBJECTIVES: The effect of retirement on mental health is not well understood. We examined the prevalence of hospital treatment for depression and purchase of antidepressant medication before, during and after retirement in a Danish population sample. We hypothesised that retirement was followed...... in the years around retirement, but continued after retirement (retirement +2 years). CONCLUSIONS: Overall, this study did not confirm the hypothesis that retirement is beneficial for mental health measured by hospitalisation with depression and treatment with antidepressants. Although the temporary levelling...

  15. Micro modeling of retirement : decisions in Germany

    OpenAIRE

    Börsch-Supan, Axel; Kohnz, Simone; Schnabel, Reinhold

    2002-01-01

    Early retirement in Germany is very costly and amplifies the burden which the German public pension system has to carry due to population aging. This paper shows that the German pension system provides strong incentives to retire early. The paper provides relatively robust econometric evidence for the strength of incentive effects on old age labor supply, using several specifications of incentive variables. The econometric estimates are used to simulate the individual responses to policy chan...

  16. Economic difficulties and subsequent disability retirement.

    Science.gov (United States)

    Lallukka, Tea; Mauramo, Elina; Lahelma, Eero; Rahkonen, Ossi

    2015-03-01

    This study examined whether economic difficulties are associated with subsequent disability retirement while controlling for covariates. Survey data among middle-aged employees of the City of Helsinki in 2000-2002 were linked with the Finnish Centre for Pensions register data on all-cause disability retirement among women (n=4816) and men (n=1354) until the end of 2010. Additionally, disability retirement due to musculoskeletal diseases and mental disorders (ICD-10) was examined among women. Frequency in difficulties paying pills and buying food and clothes, and covariates (occupational class, income, housing tenure, and work- and health-related covariates) were self-reported at baseline. Hazard ratios (HR) and their 95% confidence intervals (95% CI) were calculated from Cox regression analysis. Frequent economic difficulties were associated with all-cause disability retirement after adjusting for age among both women (HR=2.11; 95% CI 1.63-2.73) and men (HR=2.69; 95% CI 1.65-4.41). Adjustment for covariates somewhat attenuated the associations, but they remained. Economic difficulties were also associated with disability retirement due to both mental disorders (HR=3.29; 95% CI 1.98-5.46) and musculoskeletal diseases (HR=1.85; 95% CI 1.24-2.75) among women. Adjustments made a minor contribution to the risk of disability retirement due to mental disorders, whereas the risk of disability retirement due to musculoskeletal diseases reduced after considering socioeconomic circumstances. Conclusions: economic difficulties are independently associated with disability retirement. Thus, they should be considered in attempts to tackle early exit from the labour market due to disability. © 2015 the Nordic Societies of Public Health.

  17. Preparation à la retraite - Preparing for retirement

    CERN Document Server

    WHO/OMS Geneva

    2009-01-01

    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.

  18. The Military Compensation and Retirement Modernization Commission’s Blended Retirement Plan: Implications for Marine Corps Force Management Objectives

    Science.gov (United States)

    2016-10-01

    Distribution Unlimited The Military Compensation and Retirement Modernization Commission’s Blended Retirement Plan ...Implications for Marine Corps Force Management Objectives James Grefer, Ann Parcell, Robert P. Trost, Jared Huff, William Komiss, Robert Shuford, Omer...retirement system (BRS) on various U.S. Marine Corps force management objectives (FMOs). We estimated the effect of the retirement system changes on active

  19. RETIRED MATCHES AMONG MALE PROFESSIONAL TENNIS PLAYERS

    Directory of Open Access Journals (Sweden)

    Kristijan Breznik

    2012-06-01

    Full Text Available The aim of this study was to explore the effect of characteristics of various games and players on the proportion of retired tennis matches in the Open Era of tennis. The data included over 420,000 matches played among 17,553 tennis players in the period from 1968 to the end of 2010. The influence of the surface type was clearly confirmed, with the proportion of retired matches being higher on hard and clay courts compared to grass and carpet surfaces. Similarly, more retired matches were observed in outdoor venues than in indoor ones. The impact of other variables, tournament types, rounds at which the game was played and both players' ranks, is more ambiguous. Our interpretation of the obtained results is presented in the paper. Network analytic methods were applied to extract players with the most retired matches in their careers. Eventually, we defined a group of top tennis players and gave a more precise insight into retired matches in that group. Correspondence analysis was used to visually display the two-mode network of top players and the proportion of retired matches by surface type

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

    Science.gov (United States)

    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.

  1. A Black Experience-Based Approach to Gender-Based Violence

    Science.gov (United States)

    Bent-Goodley, Tricia B.

    2009-01-01

    Gender-based violence (GBV) affects women across race, ethnicity, age, socioeconomic status, religion, sexual orientation, and geographic boundaries. No segments of society are immune from the vestiges of this problem. Yet GBV has been particularly harmful within communities of African ancestry African American communities suffer with greater…

  2. Doorways III: Teacher Reference Materials. On School-Related Gender-Based Violence Prevention and Response

    Science.gov (United States)

    US Agency for International Development, 2009

    2009-01-01

    The Doorways training program was designed by the U.S. Agency for International Development (USAID)-funded Safe Schools Program (Safe Schools) to enable teachers, community members and students to prevent and respond to school-related gender-based violence (SRGBV). This booklet, "Doorways III: Teacher Reference Materials on School-Related…

  3. Josephine's journey: Gender-based violence and Marian devotion in urban Papua New Guinea

    NARCIS (Netherlands)

    Hermkens, A.K.

    2008-01-01

    This article deals with how, in the urban setting of Madang, Papua New Guinea, Marian devotion is deployed in response to domestic and gender-based violence. While providing insight into the lived religious experiences of Catholic women living in Madang, this article shows how Mary empowers her

  4. Instructor Strategies for Responding to Disclosures of Gender-Based Violence on Campus

    Science.gov (United States)

    Root, Jennifer L.; Godderis, Rebecca

    2016-01-01

    While increasing attention has been paid to the issue of sexual violence (SV) on university and college campuses, there is a paucity of research about how post-secondary instructors should respond to student disclosures of SV and other forms of gender-based violence (GBV). The limited amount of evidence suggests instructors who receive disclosures…

  5. Doorways III: Teacher Training Manual on School-Related Gender-Based Violence Prevention and Response

    Science.gov (United States)

    US Agency for International Development, 2009

    2009-01-01

    The Doorways training program was designed by the U.S. Agency for International Development (USAID)-funded Safe Schools Program (Safe Schools) to enable teachers, community members and students to prevent and respond to school-related gender-based violence (SRGBV). Teachers can play a central role in violence prevention, and they can also help…

  6. Sexual and gender-based violence in the European asylum and reception sector: a perpetuum mobile?

    NARCIS (Netherlands)

    Keygnaert, I.; Dias, S.F.; Degomme, O.; Devillé, W.; Kennedy, P.; Kováts, A.; De Meyer, S.; Vettenburg, N.; Roelens, K.; Temmerman, M.

    2014-01-01

    Background: Refugees, asylum seekers and undocumented migrants are at risk of sexual and gender-based violence (SGBV) and subsequent ill-health in Europe; yet, European minimum reception standards do not address SGBV. Hence, this paper explores the nature of SGBV occurring in this sector and discuss

  7. Sexual and gender-based violence in the European asylum and reception sector: a perpetuum mobile?

    NARCIS (Netherlands)

    Keygnaert, I.; Dias, S.F.; Degomme, O.; Devillé, W.; Kennedy, P.; Kovats, A.; Meyer, S. de; Vettenburg, N.; Roelens, K.; Temmerman, M.

    2015-01-01

    Background: Refugees, asylum seekers and undocumented migrants are at risk of sexual and gender-based violence (SGBV) and subsequent ill-health in Europe; yet, European minimum reception standards do not address SGBV. Hence, this paper explores the nature of SGBV occurring in this sector and discuss

  8. Implications to Postsecondary Faculty of Alternative Calculation Methods of Gender-Based Wage Differentials.

    Science.gov (United States)

    Hagedorn, Linda Serra

    1998-01-01

    A study explored two distinct methods of calculating a precise measure of gender-based wage differentials among college faculty. The first estimation considered wage differences using a formula based on human capital; the second included compensation for past discriminatory practices. Both measures were used to predict three specific aspects of…

  9. Instructor Strategies for Responding to Disclosures of Gender-Based Violence on Campus

    Science.gov (United States)

    Root, Jennifer L.; Godderis, Rebecca

    2016-01-01

    While increasing attention has been paid to the issue of sexual violence (SV) on university and college campuses, there is a paucity of research about how post-secondary instructors should respond to student disclosures of SV and other forms of gender-based violence (GBV). The limited amount of evidence suggests instructors who receive disclosures…

  10. A Black Experience-Based Approach to Gender-Based Violence

    Science.gov (United States)

    Bent-Goodley, Tricia B.

    2009-01-01

    Gender-based violence (GBV) affects women across race, ethnicity, age, socioeconomic status, religion, sexual orientation, and geographic boundaries. No segments of society are immune from the vestiges of this problem. Yet GBV has been particularly harmful within communities of African ancestry African American communities suffer with greater…

  11. Rethinking gender-based violence during war: is violence against civilian men a problem worth addressing?

    Science.gov (United States)

    Linos, Natalia

    2009-04-01

    Gender-based violence during conflict and post-conflict situations has received increased attention in research and in the work of development agencies. Viewed primarily as a form of violence against women, this commentary questions whether male civilians have also been victims of gender-based violence during conflict, invisible due to stereotypes surrounding masculinity and a culturally permissive approach towards violence perpetrated against men, especially at times of war. The experience of civilian males of violence, including sexual violence, during the war in Bosnia and Herzegovina and other contemporary wars, suggests that the discourse on gender-based violence and public health research should begin exploring the specific needs of men. Drawing on Nancy Krieger's (Krieger, N. (2003). Genders, sexes, and health: what are the connections-and why does it matter? International Journal of Epidemiology, 32, 652-657) analysis on the differential role of 'sex' and 'gender' on a given exposure-outcome association, this commentary suggests that the impact of gender-based violence on health during conflict may be different for men and women and may require distinct therapeutic approaches. Given that perpetrators are often male, an extra level of stigma is added when heterosexual men are sexually violated, which may lead to underreporting and reduced health-service seeking behavior. Further public health research is needed to guide the work of humanitarian agencies working with survivors of gender-based violence in conflict and post-conflict settings to ensure equal access to appropriate health services for men and women.

  12. Population aging in the state of Parana and impact of pensions and retirements in income

    Directory of Open Access Journals (Sweden)

    Carina Diane Nakatani-Macedo

    2015-07-01

    Full Text Available This article discusses the aging process of the population of Paraná municipalities and its consequences in participation of pensions in total income. Were used the Census database obtained from IPARDES 1980, 1991, 2000 and 2010, in 399 municipalities of Paraná. PNAD (National Research of Household Samples, from years 1988 to 2012, database were used to measure the evolution of rent share due by pensions and annuities, through the decomposition of the Gini index methodology. We concluded that within 30 years the share of elderly in the population increased over three times, on average, for the localities of the state, going from 3.81% in 1980 to 12.83% in 2010 and there is a higher concentration of elderly in the municipalities located further north of the state. Income from pensions and retirements expanded their shares over total income by 125%; in 1988 presented a share of 7.5% over total income, increasing to 15.9% in 2012.

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

    Science.gov (United States)

    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.

  14. Functional health decline before and after retirement : A longitudinal analysis of the Health and Retirement Study

    NARCIS (Netherlands)

    van Zon, Sander K. R.; Bultmann, Ute; Reijneveld, Sijmen A.; de Leon, Carlos F. Mendes

    2016-01-01

    Objectives: The aims of this study are to examine the pattern of pre- and post-retirement changes in functional health and to examine the degree to which socioeconomic position (SEP) modifies pre- and post-retirement changes in functional health. Method: This longitudinal study was conducted using

  15. Mental retirement? Trajectories of work engagement preceding retirement among older workers

    NARCIS (Netherlands)

    Wind, A. de; Leijten, F.R.M.; Hoekstra, T.; Geuskens, G.A.; Burdorf, L.; Beek, A.J. van der

    2017-01-01

    Objectives Before actual retirement, employees may already distance themselves from work, which could be referred to as "mental retirement". However, trajectories of work motivation, ie, work engagement, have not been studied yet. The present study aimed to (i) identify different trajectories of

  16. Securities and Exchange Commission Rule 151A and Annuities: Issues and Legislation

    Science.gov (United States)

    2010-07-01

    several States of the business of insurance is in the public interest….” (15 U.S.C. § 1011). 8 See CRS Report RL33235, Banking and Securities Regulation...Exchange Commission Rule 151A and Annuities: Issues and Legislation Congressional Research Service 7 for sale, information about the management of...annuities ( FIAs ),25 and (2) the SEC did not fulfill its statutory duty under Section 2(b) of the 1933 Act26 to consider the effect of the rule upon

  17. The long goodbye: Age, demographics, and flexibility in retirement

    Directory of Open Access Journals (Sweden)

    David K. Foot

    2012-07-01

    Full Text Available The current literature on retirement decisions has given inadequate attention to the impacts of increasing life expectancy. This paper examines workforce aging and retirement within a framework that not only includes age, but also integrates increasing life expectancy into the discussion. Employee preference surveys regarding choice in retirement are supported by the demographic and by work-time compression arguments for retirement flexibility. We outlinearguments why partial-retirement policies would be a practical and timely transition strategy for organizations and societies in a world of increasing life expectancies and aging workforces,especially when facing the imminent retirement of the large post-war baby-boom generation.

  18. The long goodbye: Age, demographics, and flexibility in retirement

    Directory of Open Access Journals (Sweden)

    Rosemary A. Venne

    2011-01-01

    Full Text Available The current literature on retirement decisions has given inadequate attention to the impacts of increasing life expectancy. This paper examines workforce aging and retirement within a framework that not only includes age, but also integrates increasing life expectancy into the discussion. Employee preference surveys regarding choice in retirement are supported by the demographic and by work-time compression arguments for retirement flexibility. We outlinearguments why partial-retirement policies would be a practical and timely transition strategy for organizations and societies in a world of increasing life expectancies and aging workforces,especially when facing the imminent retirement of the large post-war baby-boom generation.

  19. 'All those things together made me retire': qualitative study on early retirement among Dutch employees.

    Science.gov (United States)

    Reeuwijk, Kerstin G; de Wind, Astrid; Westerman, Marjan J; Ybema, Jan Fekke; van der Beek, Allard J; Geuskens, Goedele A

    2013-05-28

    Due to the aging of the population and subsequent higher pressure on public finances, there is a need for employees in many European countries to extend their working lives. One way in which this can be achieved is by employees refraining from retiring early. Factors predicting early retirement have been identified in quantitative research, but little is known on why and how these factors influence early retirement. The present qualitative study investigated which non-health related factors influence early retirement, and why and how these factors influence early retirement. A qualitative study among 30 Dutch employees (60-64 years) who retired early, i.e. before the age of 65, was performed by means of face-to-face interviews. Participants were selected from the cohort Study on Transitions in Employment, Ability and Motivation (STREAM). For most employees, a combination of factors played a role in the transition from work to early retirement, and the specific factors involved differed between individuals. Participants reported various factors that pushed towards early retirement ('push factors'), including organizational changes at work, conflicts at work, high work pressure, high physical job demands, and insufficient use of their skills and knowledge by others in the organization. Employees who reported such push factors towards early retirement often felt unable to find another job. Factors attracting towards early retirement ('pull factors') included the wish to do other things outside of work, enjoy life, have more flexibility, spend more time with a spouse or grandchildren, and care for others. In addition, the financial opportunity to retire early played an important role. Factors influenced early retirement via changes in the motivation, ability and opportunity to continue working or retire early. To support the prolongation of working life, it seems important to improve the fit between the physical and psychosocial job characteristics on the one hand, and

  20. GENDER-BASED RESTORATIVE JUSTICE FOR VICTIMS OF VIOELENCE AGAINST WOMEN

    Directory of Open Access Journals (Sweden)

    Cahya Wulandari

    2015-01-01

    Full Text Available Positive law is less oriented towards the protection of victims, especially women. Restorative justice appears to protect and resolve problems with the interests of the victim-oriented. This article discuss the form of legal protection for victims of violence against women, gender-based and describe the form of restorative justice for victims of gender-based violence against women. Positive criminal law does not accommodate both the interests of the victim to determine the crime against him self and to restore his suffering. This is caused due to the dominance of retributive justice in the settlement mind set crime through the criminal law. The restorative justice allows for an active role in the completion of a crime victim who happens also allows the imposition of sanctions that are beneficial to the recovery of the suffering of the victims.

  1. Synthesizing gender based HIV interventions in Sub-Sahara Africa: a systematic review of the evidence.

    Science.gov (United States)

    Small, Eusebius; Nikolova, Silviya P; Narendorf, Sarah C

    2013-11-01

    Gender is a critical component of HIV and sexual risk interventions. Examining the range, effectiveness and methodological rigor of studies that include a gender based component can inform current interventions and future directions for intervention research. This review investigated gender informed intervention studies conducted in sub-Saharan Africa that measured an outcome related to HIV. We reviewed 311 articles, 41 of which met our inclusion criteria, resulting in 11 articles that described eight different studies used in the analyses. The findings demonstrated wide variations in the types of interventions from low intensity educational content to multi-component interventions. Study outcomes were categorized into biological outcomes, HIV risk, behavioral, violence and risk reduction. Most interventions showed positive effects, and although research methodologies varied considerably, longer interventions appeared to be more effective. More research, however, is needed to build the evidence base for effectiveness of gender-based programs in reducing HIV infections in sub-Saharan Africa.

  2. Psychosocial work environment and retirement age

    DEFF Research Database (Denmark)

    Thorsen, Sannie Vester; Jensen, Per H.; Bjorner, Jakob Bue

    2016-01-01

    . We used Cox proportional hazard regression to analyze the rate of early retirement. Results The study included 16 psychosocial work environment factors. The following 10 psychosocial factors were significant predictors of early retirement in covariate adjusted analyses: Low job satisfaction, low......, quantitative demands, emotional demands, role conflicts, social community between colleagues, and trust between colleagues. Conclusion Older employees with high job satisfaction, influence, possibilities for development, positive management relations, and jobs with no age discrimination remained longer...... influence in job, low possibilities for development, low role clarity, perceived age discrimination, low recognition from management, low workplace justice, poor trust in management, poor leadership quality, and poor predictability. No significant association with early retirement was found for work pace...

  3. Ageing, government budgets, retirement, and growth

    DEFF Research Database (Denmark)

    Gonzalez Eiras, Martin; Niepelt, Dirk

    2012-01-01

    changes of taxes, government spending components and the retirement age in politico-economic equilibrium. Growth is driven by capital accumulation and productivity increases fueled by public investment. The closed-form solutions of the model predict taxation and the retirement age in OECD economies......We analyze the short and long run effects of demographic ageing - increased longevity and reduced fertility - on per-capita growth. The OLG model captures direct effects, working through adjustments in the savings rate, labor supply, and capital deepening, and indirect effects, working through...... to increase in response to demographic ageing and per-capita growth to accelerate. If the retirement age were held constant, the growth rate in politico-economic equilibrium would essentially remain unchanged, due to a surge of social security transfers and crowding out of public investment....

  4. Representative bureaucracy:does female police leadership affect gender-based violence arrests?

    OpenAIRE

    K. Johnston; Houston, John

    2016-01-01

    Representative bureaucracy theory postulates that passive representation leads to active representation of minority groups. This article investigates the passive representation of female police officers at leadership levels and the active representation of women vis-a-vis gender-based violence arrest rates in the UK. Much of the extant research on representative bureaucracy is located at street level, with evidence showing that discretionary power of minority bureaucrats can lead to active re...

  5. Gender-Based Patterns of Distribution of Power: Myth or Maerchen?

    Science.gov (United States)

    1988-01-01

    most workers lived in boarding houses "-P from Mondays through Fridays. This left the community life and management -. of the households in the...selections through their kinship network and daily ties within the comunnity , why are women not more actively involved in the formal political process? While...gender-based hierarchy is layered into this pattern, with men generally monopolizing the ability to manage , as well as to act, in this sphere, both

  6. HIV testing and tolerance to gender based violence: a cross-sectional study in Zambia.

    Directory of Open Access Journals (Sweden)

    Sara Gari

    Full Text Available This paper explores the effect of social relations and gender-based conflicts on the uptake of HIV testing in the South and Central provinces of Zambia. We conducted a community-based cross-sectional study of 1716 randomly selected individuals. Associations were examined using mixed-effect multivariable logistic regression. A total of 264 men (64% and 268 women (56% had never tested for HIV. The strongest determinants for not being tested were disruptive couple relationships (OR = 2.48 95% CI = 1.00-6.19; tolerance to gender-based violence (OR = 2.10 95% CI = 1.05-4.32 and fear of social rejection (OR = 1.48 95% CI = 1.23-1.80. In the Zambian context, unequal power relationships within the couple and the community seem to play a pivotal role in the decision to test which until now have been largely underestimated. Policies, programs and interventions to rapidly increase HIV testing need to urgently address gender-power inequity in relationships and prevent gender-based violence to reduce the negative impact on the lives of couples and families.

  7. HIV and gender-based violence: welcome policies and programmes, but is the research keeping up?

    Science.gov (United States)

    Gruskin, Sofia; Safreed-Harmon, Kelly; Moore, Chelsea L; Steiner, Riley J; Dworkin, Shari L

    2014-11-01

    The global HIV policy arena has seen a surge of interest in gender-related dimensions of vulnerability to HIV and violence. UNAIDS and other prominent actors have named gender-based violence a key priority, and there seems to be genuine understanding and commitment to addressing gender inequalities as they impact key populations in the AIDS response. In the quest for evidence-informed interventions, there is usually a strong connection between the research conducted and the policies and programmes that follow. Regarding gender, HIV and violence, is this the case? This discussion paper asks whether the relevant peer-reviewed literature is suitably representative of all affected populations--including heterosexual men, transgender men and women, women who have sex with women, and men who have sex with men--as well as whether the literature sufficiently considers gender norms and dynamics in how research is framed. Conclusions about violence in the context of heterosexual relationships, and with specific attention to heterosexual women, should not be presented as insights about gender-based violence more generally, with little attention to gender dynamics. Research framed by a more comprehensive understanding of what is meant by gender-based violence as it relates to all of the diverse populations affected by HIV would potentially guide policies and programmes more effectively.

  8. Extension of the pre-retirement programmes

    CERN Multimedia

    2014-01-01

    Following a recommendation by the Standing Concertation Committee at its meeting on 27 November 2014 and approval by the Director-General, please note that: the Progressive Retirement Programme has been extended by one year, from 1 April 2015 until 31 March 2016; the Scheme of Part-Time Work as a Pre-retirement Measure has also been extended by one year, from 1 January 2015 until 31 December 2015. Further information is available at the following sites: https://admin-eguide.web.cern.ch/node/447 https://admin-eguide.web.cern.ch/node/484 Human Resources Department Tel. 79257 / 73903

  9. Financial Literacy and Retirement Planning in Australia

    Directory of Open Access Journals (Sweden)

    Julie R. Agnew

    2013-07-01

    Full Text Available Financial literacy and numeracy are closely tied. Furthermore, financial literacy has been shown to relate to important financial behaviors. This study examines the relationship between financial literacy and retirement planning using a measure that includes questions requiring numeracy. We implement a customized survey to a representative sample of 1,024 Australians. Overall, we find aggregate levels of financial literacy similar to comparable countries with the young, least educated, those not employed, and those not in the labor force most at risk. Our financial literacy measure is positively related to retirement planning in our sample.

  10. When do people want to retire?

    DEFF Research Database (Denmark)

    Tavernier, Wouter De; Roots, Ave

    2015-01-01

    control found in Eastern Europe. Moreover, the results suggest that Karasek’s job demand/control model fits better in Western than Eastern European countries. Another explanation is found at the country level, where the legal retirement age accounts for a major part of the gap in preferred retirement ages...... to explain this gap in terms of differences in working conditions and state-level legal conditions. Using the 2010 European Social Survey data on employed individuals aged 50-70 in 24 countries enriched with country-level information, we find that part of the explanation is found in the lower levels of job...

  11. Extension of the pre-retirement programmes

    CERN Document Server

    2012-01-01

    Following recommendation by the Standing Concertation Committee at its meeting on 2 December 2011 and approval by the Director-General, please note that: the Progressive Retirement Programme has been extended by one year, from 1 April 2012 until 31 March 2013; and the Part-Time Work as a Pre-retirement Measure has also been extended by one year, from 1 January 2012 until 31 December 2012. Further information is available from the following sites: https://cern.ch/admin-eguide/retraite/proc_prp.asp https://cern.ch/admin-eguide/retraite/proc_pTp.asp Tel.  73903 Human Resources Department

  12. Extension of the pre-retirement programmes

    CERN Document Server

    Human Resources Department

    2011-01-01

    Following recommendation by the Standing Concertation Committee and approval by the Director-General, please note that: the Progressive Retirement Programme has been extended by one year, from 1 April 2011 until 31 March 2012; and the Part-Time Work as a Pre-retirement Measure has also been extended by one year, from 1 January 2011 until 31 December 2011. Further information is available from the following sites: https://cern.ch/admin-eguide/retraite/proc_prp.asp https://cern.ch/admin-eguide/retraite/proc_pTp.asp Tel. 73903

  13. Extension of the pre-retirement programmes

    CERN Multimedia

    2013-01-01

    Following a recommendation by the Standing Concertation Commitee at its meeting on 4 December 2012 and approval by the Director-General, please note that: the Progressive Retirement Programme has been extended by one year, from 1 April 2013 until 31 March 2014; and the Scheme of Part-Time Work as a Pre-retirement Measure has also been extended by one year, from 1 January 2013 until 31 December 2013.   Further information is available from the following sites: https://cern.ch/admin-eguide/retraite/proc_prp_fr.asp https://cern.ch/admin-eguide/retraite/proc_pTp_fr.asp   Human Resources Department Tel. 73903

  14. Extension of the pre-retirement programmes

    CERN Multimedia

    2014-01-01

    Following a recommendation by the Standing Concertation Commitee at its meeting on 5 December 2013 and approval by the Director-General, please note that:   the Progressive Retirement Programme has been extended by one year, from 1 April 2014 until 31 March 2015; the Scheme of Part-Time Work as a Pre-retirement Measure has also been extended by one year, from 1 January 2014 until 31 December 2014. Further information is available from the following sites: https://cern.ch/admin-eguide/retraite/proc_prp_fr.asp https://cern.ch/admin-eguide/retraite/proc_pTp_fr.asp Human Resources Department Tel. 79257/ 73903

  15. Early Retirement Incentives and Student Achievement.

    Science.gov (United States)

    Fitzpatrick, Maria D; Lovenheim, Michael F

    2014-08-01

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

  16. 26 CFR 1.264-2 - Single premium life insurance, endowment, or annuity contracts.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 3 2010-04-01 2010-04-01 false Single premium life insurance, endowment, or..., directly or indirectly, to purchase or to continue in effect a single premium life insurance or endowment... payee of such annuity contract. A contract is considered a single premium life insurance, endowment,...

  17. 78 FR 18634 - ING Life Insurance and Annuity Company, et al; Notice of Application

    Science.gov (United States)

    2013-03-27

    ... investment adviser and an indirect wholly owned subsidiary of ING Groep, N.V.\\1\\ The Replacement Fund is sub... announced that ING and its U.S. insurance affiliates, including the Companies, are preparing for a base case... affiliates, including DSL. 6. The Contracts are individual variable annuity contracts. Each of the...

  18. The individual life-cycle, annuity market imperfections and economic growth

    NARCIS (Netherlands)

    Heijdra, Ben J.; Mierau, Jochen O.

    We study the effects of an annuity market imperfection on individual agents' life-cycle decisions and on the macroeconomic growth rate in an overlapping generations model with single-sector endogenous growth. Our model features both age-dependent mortality and labour productivity. We model imperfect

  19. 29 CFR 4050.10 - Annuity or elective lump sum-beneficiary of deceased missing participant.

    Science.gov (United States)

    2010-07-01

    ..., under which reduced payments (at the 50 percent level) are made only after the death of the missing participant during the life of the spouse (and not after the death of the spouse during the missing... survivor benefit in the form of a single life annuity. Each monthly (or other periodic) benefit...

  20. FUTURE VALUE OFAN ANNUITY-CERTAIN AS A SOLUTION OF A DIFFERENCE EQUATION

    Directory of Open Access Journals (Sweden)

    Katarina Sakálová

    2007-12-01

    Full Text Available The aim of this note is to show how to use the methods of difference calculus in mathematics of finance. We calculate an accumulated amount of some special immediate annuities by solving the special type of non-homogenous linear difference equations of the first order.

  1. 20 CFR 218.44 - When a remarried widow(er) annuity ends.

    Science.gov (United States)

    2010-04-01

    ...(er)— (1) Dies; (2) Becomes entitled to an old age benefit under the Social Security Act that is equal... becomes entitled to an annuity based upon age). (c) Entitlement based on “child in care.” When the... longer in care); (3) The last day of the month before the month in which the child attains age 16,...

  2. 20 CFR 216.42 - How a private railroad pension affects a supplemental annuity.

    Science.gov (United States)

    2010-04-01

    ... 20 Employees' Benefits 1 2010-04-01 2010-04-01 false How a private railroad pension affects a... pension affects a supplemental annuity. (a) What is a private railroad pension. The Board determines whether a pension established by a railroad employer is a private pension that will cause a reduction in...

  3. The individual life-cycle, annuity market imperfections and economic growth

    NARCIS (Netherlands)

    Heijdra, Ben J.; Mierau, Jochen O.

    2012-01-01

    We study the effects of an annuity market imperfection on individual agents' life-cycle decisions and on the macroeconomic growth rate in an overlapping generations model with single-sector endogenous growth. Our model features both age-dependent mortality and labour productivity. We model imperfect

  4. Gender-based violence, alcohol use, and sexual risk among female patrons of drinking venues in Cape Town, South Africa.

    Science.gov (United States)

    Pitpitan, Eileen V; Kalichman, Seth C; Eaton, Lisa A; Cain, Demetria; Sikkema, Kathleen J; Skinner, Donald; Watt, Melissa H; Pieterse, Desiree

    2013-06-01

    Gender-based violence is a well-recognized risk factor for HIV infection among women. Alcohol use is associated with both gender-based violence and sexual risk behavior, but has not been examined as a correlate of both in a context of both high HIV risk and hazardous drinking. The purpose of this paper is to examine the association between recent abuse by a sex partner with alcohol and sexual risk behavior among female patrons of alcohol serving venues in South Africa. Specifically, the aim of this study is to determine whether sexual risk behaviors are associated with gender-based violence after controlling for levels of alcohol use. We surveyed 1,388 women attending informal drinking establishments in Cape Town, South Africa to assess recent history of gender-based violence, drinking, and sexual risk behaviors. Gender-based violence was associated with both drinking and sexual risk behaviors after controlling for demographics among the women. A hierarchical logistic regression analysis showed that after controlling for alcohol use sexual risk behavior remained significantly associated with gender-based violence, particularly with meeting a new sex partner at the bar, recent STI diagnosis, and engaging in transactional sex, but not protected intercourse or number of partners. In South Africa where heavy drinking is prevalent women may be at particular risk of physical abuse from intimate partners as well as higher sexual risk. Interventions that aim to reduce gender-based violence and sexual risk behaviors must directly work to reduce drinking behavior.

  5. The Importance of Resilience for Well-Being in Retirement

    Directory of Open Access Journals (Sweden)

    Cristiane Pimentel Nalin

    2015-08-01

    Full Text Available The increase in the elderly population has prompted research on retirement. This study investigated the importance of resilience, economic satisfaction, the length of retirement, and planning to well-being during retirement of 270 participants. The majority of this sample were men (64%, and the mean age was 65 years (SD = 5.7. The participants were retired members of 10 public and private organizations in Rio de Janeiro. Factor analysis and hierarchical regression were performed. The results showed that determined resilience (mastery, adaptability, confidence and perseverance and socioeconomic satisfaction were the main predictors of well-being in retirement and explained 28% of this model. The findings suggest that well-being in retirement is closely related to socioeconomic satisfaction and determined resilience. Additional research should address the importance of resilience for the well-being of retirees who are or not members of retirement associations. Resilience attitudes should be promoted in Retirement Education Programs.

  6. Innovative Plans to Encourage Senior Faculty to Take Early Retirement.

    Science.gov (United States)

    Spreadbury, Connie

    1984-01-01

    Provides a review of some of the innovative programs university systems are using to encourage faculty to take early retirement, including bridge benefits, bonus plans, guaranteed part-time employment, rehearsal retirement, and 30-and-out plans. (JAC)

  7. 29 CFR 1625.9 - Prohibition of involuntary retirement.

    Science.gov (United States)

    2010-07-01

    ... other provision of the Act makes it unlawful for a plan to permit individuals to elect early retirement at a specified age at their own option. Nor is it unlawful for a plan to require early retirement...

  8. Effects of three types of retirement preparation program: A qualitative study of civil servants in Brazil

    NARCIS (Netherlands)

    Leandro-França, C.; van Solinge, H.; Henkens, K.; Giardini Murta, S.

    2016-01-01

    Studies on the effectiveness of retirement planning programs are relatively scarce. Retirement preparation and planning programs may assist individuals to smooth the transition to retirement and subsequent adjustment. This qualitative study examines the effects of three retirement preparation progra

  9. Gender-based violence against civilian women in postinvasion Iraq: (re)politicizing George W. Bush's silent legacy.

    Science.gov (United States)

    Lee-Koo, Katrina

    2011-12-01

    This article explores the increase in gender-based violence against civilian women in Iraq since 2003 and connects it to the U.S.-led invasion of that country. It outlines the complex nature of the gender-based violence and the impact that it has had on civilian women in Iraq. It then analyzes the links between this violence and the politics of the postinvasion period. This article also explores how this violence has been politicized. Ultimately, the article (re)politicizes gender-based violence through a feminist lens and argues that the security of Iraq's women is fundamental to the stability of Iraq as a whole.

  10. Activities in Retirement: Individual Experience of Silver Work

    Directory of Open Access Journals (Sweden)

    Leena Maxin

    2011-12-01

    Full Text Available One consequence of demographic change is a longer average remaining lifetime after retirement. Many people, however, remain able and willing to continue work after reaching the statutory retirement age. Given the predicted shortage of skilled workers in the future, post-retirement activities have the potential to contribute to both organisations and society. This article elaborates the prerequisites for productivity in retirement age and the changed nature of retirement at present.It also quantifies the extent to which activities are continued at retirement age. Paid employment still occurs beyond the applicable retirement age, whereby with increasing age, self-employed persons and assistant family members make up the lion’s share of the statistics. An empirical study shows the concrete situation of active retirees and the prerequisites for post-retirement activities. At the explorative level, individual experiences of the transition into retirement, the reasons for and the framework of post-retirement activities, motivational factors in job design, and physical and intellectual demands before and after retirement are characterised. The qualitative data indicate that retirement entails changes towards more flexible structures in everyday life. Decisive reasons for taking up post-retirement activities are the desire to help, pass on knowledge or remain active; personal development and contact with others; and gaining appreciation and recognition. Flexible job design and freedom to make decisions constitute major elements in shaping post-retirement working activities. Offering autonomy, skill variety, and task significance is important for the design of post-retirement activities. The paper closes with identifying relevant research fields and the concrete need to take action at individual,  organisational, and societal levels. All in all, the transition from working life to retirement should be made flexible enough to do greater justice to the

  11. "A One-Sector Neoclassical Growth Model with Endogenous Retirement"

    OpenAIRE

    Matsuyama, Kiminori

    2007-01-01

    This paper extends Diamond's OG model by allowing the agents to make the retirement decision. Earning a higher wage income when young not only enables the agents to save more. It also induces more agents to retire early and gives an additional incentive to save more for retirement. This leads to a higher capitallabor ratio in the following period, and hence the next generation of agents earns a higher wage income when young. Due to this positive feedback mechanism, endogenous retirement magni...

  12. Post Retirement: Is There Life after Work?

    Science.gov (United States)

    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…

  13. Training access, reciprocity, and expected retirement age

    NARCIS (Netherlands)

    Montizaan, R.M.; de Grip, A.; Fouarge, D.

    2015-01-01

    This paper investigates whether employers can induce employees to postpone retirement by offering access to training courses that maintain job proficiency. We use unique, matched employer-employee surveys for the Dutch public sector, which include detailed information on a wide range of HR practices

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

    Science.gov (United States)

    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…

  15. Retirement Financial Planning Among Professional Workers.

    Science.gov (United States)

    Kilty, Keith M.; Behling, John H.

    1986-01-01

    Examined extent and patterns of financial planning among a range of professionals. Found that respondents (N=457) placed their primary emphasis on pensions (including Social Security) and continued work-related income, although four types of pre-retirement financial planning were identified. The most consistent predictor of the extent of planning…

  16. EXTENSION OF THE PROGRESSIVE RETIREMENT PROGRAMME

    CERN Multimedia

    Human Resources Division

    2002-01-01

    In accordance with the provisions agreed by the Finance Committee and Council in March and June 2000, respectively, the Director-General has approved the extension of the Progressive Retirement Programme with effect from 1 April 2001, for one year. Human Resources Division Tel. 72808/74128

  17. Health, Financial Incentives and Retirement in Spain

    NARCIS (Netherlands)

    E. Erdogan-Ciftci (Esen); E.K.A. van Doorslaer (Eddy); A. Lopez-Nicolas (Angel)

    2008-01-01

    textabstractWe estimate the impact of health and financial incentives on the retirement transitions of older workers in Spain. Individual measures of pension wealth, peak and accrual values are constructed using labor market histories and health shocks are derived as changes in a composite health st

  18. On Expectations, Realizations and Partial Retirement

    NARCIS (Netherlands)

    Mastrogiacomo, Mauro

    2004-01-01

    This study investigates whether many people fear an unexpectedshock in their financial situation around retirement and whether therelated expectations and realizations match each other. We use theDutch Social Economic Panel survey data, where expectations aboutthe next year's financial situation are

  19. Mapping the Minds of Retirement Planners

    NARCIS (Netherlands)

    D.A. Hershey; K. Henkens; H.P. van Dalen (Hendrik)

    2006-01-01

    textabstractThis study explored the psychological mechanisms that underlie the retirement planning and saving tendencies of Dutch and American workers. Participants were 988 Dutch and 429 Americans, 25-64 years of age. Analyses were designed to: (a) examine the extent to which structural variables w

  20. 77 FR 66149 - Retirement of FASTforward Technology

    Science.gov (United States)

    2012-11-02

    ... 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 Mail... proposed rule in the Federal Register (77 FR 53830) to retire FASTforward technology. We received no formal...

  1. 76 FR 4244 - Hybrid Retirement Plans

    Science.gov (United States)

    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 following...

  2. 75 FR 64123 - Hybrid Retirement Plans

    Science.gov (United States)

    2010-10-19

    ... Internal Revenue Service 26 CFR Part 1 RIN 1545-BG36 Hybrid Retirement Plans AGENCY: Internal Revenue... defined benefit pension plans. These regulations provide guidance on changes made by the Pension... plans. DATES: Effective Date: These regulations are effective on October 19, 2010. Applicability Date...

  3. Dr. S. J. van Ooststroom retired

    NARCIS (Netherlands)

    Steenis, van C.G.G.J.

    1971-01-01

    In January 1971 Dr. Simon Jan van Ooststroom, senior botanist of the Rijksherbarium, retired on reaching the age of 65, having been on the staff since November 1934. Though this event will to a certain extent change, but not interrupt, his work, it is nevertheless worth commemorating, as he has so

  4. Does Retiree Health Insurance Encourage Early Retirement?

    Science.gov (United States)

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

    2013-08-01

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

  5. The Cornell Staff Retirement Incentive Program

    Science.gov (United States)

    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. Diversification: Midland/Odessa Health & Retirement Endeavor.

    Science.gov (United States)

    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…

  7. Saving Behavior and Portfolio Choice After Retirement

    NARCIS (Netherlands)

    van Ooijen, Raun; Alessie, Rob; Kalwij, Adriaan

    2015-01-01

    This paper reviews the literature on saving behavior and portfolio choice after retirement and provides a descriptive analysis of this behavior by Dutch elderly households. Studying saving behavior in the Netherlands is informative because of the very different institutional background compared to t

  8. Dr. Bakhuizen van den Brink retires

    NARCIS (Netherlands)

    Kalkman, C.

    1976-01-01

    On 11 September 1976 dr. Reinier Cornelis Bakhuizen van den Brink will reach the age of 65 and so he must retire from his position as a senior botanist at the Rijksherbarium. He has worked in our institute since December 1943, after having obtained his doctor’s degree in Utrecht. At the Rijksherbari

  9. Retirement and cognitive development in the Netherlands: Are the retired really inactive?

    Science.gov (United States)

    de Grip, Andries; Dupuy, Arnaud; Jolles, Jelle; van Boxtel, Martin

    2015-12-01

    This paper uses longitudinal data to analyze the relation between retirement and cognitive development in the Netherlands. Controlling for individual fixed effects and lagged cognition, we find that retirees face lower declines in their cognitive flexibility than those who remain employed, which appears to be persistent 6 years after retirement. However, the information processing speed of low-educated retirees declines faster. The magnitude of both changes in cognition is such that retirees appear 5-6 years younger in terms of cognitive flexibility, and older in terms of information processing speed. We show that these relationships between retirement and cognitive development cannot be explained by (1) feeling relieved from routine work, (2) changes in mood, (3) changes in lifestyle, and (4) changes in blood pressure. The decline in information processing speed after retirement particularly holds for the low educated. This could increase the social costs of an aging society.

  10. The Information Seeking and Use Behaviors of Retired Investors

    Science.gov (United States)

    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.…

  11. Partial Retirement and Pension Policy in Industrialized Countries.

    Science.gov (United States)

    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…

  12. Leisure Patterns among Retired Workers: Spillover or Compensatory Trends?

    Science.gov (United States)

    Kremer, Yael; Harpaz, Itzhak

    1982-01-01

    Compared leisure behavior patterns after retirement with those of preretirement. Examined data within the context of the spillover and compensatory hypotheses, with retirement representing a nonwork sphere. Findings revealed a spillover effect, characterized by a high degree of passive, solitary leisure behavior both before and after retirement.…

  13. The Information Seeking and Use Behaviors of Retired Investors

    Science.gov (United States)

    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.…

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

    Science.gov (United States)

    2013-02-19

    ..., 612, 619, 620, and 630 RIN 3052-AC41 Compensation, Retirement Programs, and Related Benefits AGENCY... final rule regarding ``Compensation, Retirement Programs, and Related Benefits,'' that require a non... regarding ``Compensation, Retirement Programs, and Related Benefits,'' that require a non-binding, advisory...

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

    Science.gov (United States)

    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…

  16. Joint Retirement of Couples : Evidence from a Natural Experiment

    NARCIS (Netherlands)

    Bloemen, Hans; Hochguertel, Stefan; Zweerink, J.R.

    2015-01-01

    We estimate and explain the impact of early retirement of husbands on their wives’ probability to retire within one year, using administrative micro panel data that cover the whole Dutch population. We employ an instrumental variable approach in which the retirement choice of husbands is instrumente

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

    Science.gov (United States)

    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.

  18. Job Satisfaction, Retirement Attitude and Intended Retirement Age: A Conditional Process Analysis across Workers’ Level of Household Income

    NARCIS (Netherlands)

    Davies, E.M.M.; Heijden, B.I.J.M. van der; Flynn, M.

    2017-01-01

    In the contemporary workplace, insight into retirement behaviors is of crucial importance. Previous empirical evidence has found mixed results regarding the relationship between work attitudes, such as job satisfaction, and retirement behaviors, suggesting that further scholarly examination incorpor

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

    Science.gov (United States)

    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.

  20. 29 CFR 2509.95-1 - Interpretive bulletin relating to the fiduciary standards under ERISA when selecting an annuity...

    Science.gov (United States)

    2010-07-01

    ... quality and diversification of the annuity provider's investment portfolio; (2) The size of the insurer... could never justify putting the benefits of annuitized participants and beneficiaries at risk by...

  1. Risk Adjusted Valuation of the Current Military Retirement and the CY2018 Retirement System

    Science.gov (United States)

    2016-06-01

    personal discount rate and career retention curves. The results of this analysis suggest that the blended retirement system is the best choice for...perspective based on generalized data that facilitates a baseline course of action and creates discussion for a very personal choice . 44 Financial...U.S. military’s choice to transition to the blended retirement system in 2018. All service members will be grandfathered into the current system but

  2. Progressive Retirement Programme and Part-time work as a pre-retirement measure

    CERN Multimedia

    2003-01-01

    Upon the proposal of the Standing Concertation Committee at its meeting on 25 November 2002, the Director-General has approved the extension for one year of the Progressive Retirement Programme with effect from 1 April 2003, and of the Part-time work scheme as a pre-retirement measure for requested effective dates commencing not later than 1 January 2004. Human Resources Division Tel. 72808/74128

  3. Analysis of the Determination of Contributions in the Peruvian Private Pension System: An Application of Annuities and Perpetuities

    Directory of Open Access Journals (Sweden)

    Aldo Quintana Meza

    2012-12-01

    Full Text Available This paper discusses on how to set fixed contributions for a given objective of a private pension plan, by using two traditional financial models such as annuities and perpetuities. The private pension plan has two components: (i the contributions’ plan on a monthly basis (annuity, and (ii the pension plan on a monthly basis (perpetuity. The document focuses on the relationship between the size to the contribution and the pension fund returns. The document covers the Peruvian case.

  4. 递增年金的双随机模型%DUAL RANDOM MODEL OF INCREASING ANNUITY

    Institute of Scientific and Technical Information of China (English)

    2001-01-01

    The dual random models about the life insurance and social pension insurance have received considerable attention in the recent articles on actuarial theory and applications. This paper discusses a general kind of increasing annuity based on its force of interest accumulation function as a general random process. The dual random model of the present value of the benefits of the increasing annuity has been set, and their moments have been calculated under certain conditions.

  5. Analysis of the Determination of Contributions in the Peruvian Private Pension System: An Application of Annuities and Perpetuities

    OpenAIRE

    Quintana Meza, Aldo

    2012-01-01

    This paper discusses on how to set fixed contributions for a given objective of a private pension plan, by using two traditional financial models such as annuities and perpetuities. The private pension plan has two components: (i) the contributions’ plan on a monthly basis (annuity), and (ii) the pension plan on a monthly basis (perpetuity). The document focuses on the relationship between the size to the contribution and the pension fund returns. The document covers the Peruvian case. Est...

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

    Science.gov (United States)

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

    2010-01-01

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

  7. Using an emergency response infrastructure to help women who experience gender-based violence in Gujarat, India

    OpenAIRE

    Newberry, Jennifer A; Mahadevan, Swaminatha; Gohil, Narendrasinh; Jamshed, Roma; Prajapati, Jashvant; Rao, GV Ramana; Strehlow, Matthew

    2016-01-01

    Abstract Problem Many women who experience gender-based violence may never seek any formal help because they do not feel safe or confident that they will receive help if they try. Approach A public–private-academic partnership in Gujarat, India, established a toll-free telephone helpline – called 181 Abhayam – for women experiencing gender-based violence. The partnership used existing emergency response service infrastructure to link women to phone counselling, nongovernmental organizations (...

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

    Science.gov (United States)

    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

  9. Early Retirement in the Day-Care Sector

    DEFF Research Database (Denmark)

    Gørtz, Mette

    2012-01-01

    This paper studies the role of working conditions and health for elderly female day-care teachers’ decision to enter early retirement. Entry into retirement is analysed in a duration framework that allows for unobserved heterogeneity in the baseline hazard. Data are from a Danish longitudinal data...... the child-to-teacher ratio or the size of the institution and early retirement (ERP). However, working conditions measured by the social background of the children and the share of trained day-care teachers have a significant effect on the probability of early retirement. Finally, a poor health condition...... is associated with a higher propensity to enter early retirement....

  10. 变额年金保险中最低提取利益保证的定价模型研究%Pricing Model Study on the Guaranteed Minimum Withdrawal Benefit in Variable Annuities

    Institute of Scientific and Technical Information of China (English)

    邓庆彪; 李方方

    2012-01-01

    Insurance Regulatory Commission hasn't allowed the domestic insurance companies issue this type of Variable Annuities. As isthe most popular guarantee on foreign markets, GMWB does well in meeting the needs of retirement income. It is necessary for our market. country to make up how to apply this type of guarantee in our Besides these, GMWB has three important features, which are step-up features, roll-up features and the bonus features. Step-up : If the portfolio does well and the contract value exceeds the guaranteed withdrawal balance, then it is reset higher, equal to the contract value. These resets are allowed at certain intervals. Roll-up : If the insured doesn't withdrawal after the commencement of the extraction crease. Penalty: If the withdrawal amount is greater than the will be deducted the amount of the penalty payment. Now China' Variable Annuities market has just started, period, the guaranteed withdrawal balance will inpercentage agreed in the contract, the excess amount and the insurance companies who got the authorizations are positively preparing for this new product. But there are very few literatures about Variable Annuities, especially the price models of different guarantees, so this paper' studies have a strong practical significance. The article's target is to provide references for the domestic insurance companies on theory and practice. During the first part of this paper, the definition of Variable Annuities and different guarantees are given. The second part reviews literatures on GMWB recent years home and abroad. The third part firstly introduces three common additional terms of GMWB, and then provides a numerical example of the payoff from a GMWB rider on two different sceneries (on good or bad market). Then in the context of good market, we add the step-up features, rollup features and the bonus features into a GMWB rider respectively, and give numerical examples of these. The fourth part gives a pricing model on GMWB

  11. Introduction/overview: gender-based differences in pharmacologic and toxicologic responses.

    Science.gov (United States)

    Christian, M S

    2001-01-01

    Gender may be the most important factor in mammalian development and response to exogenous agents. From believing sex-related differences required sheltering women to protect their reproductive capacity (Victorians thought exercise, education, train travel, and certain music neuro- and reprotoxic to females) to legislating a status of essential equality of the sexes may have increased women's health issues. Men and women often respond differently to drugs. Inclusion of women in phase I/II clinical trials is insufficient to identify gender-based differences in response; rather, animal models should be the basis for predicting gender-based differences in pharmacologic and toxicologic effects. Unfortunately, current animal models do not consistently demonstrate such differences. Use of commonly used species (e.g., rats and dogs) does not necessarily result in relevant evaluation of an agent in a species at appropriate development (age), physiological state, anatomy, metabolism, or kinetics for estimation of human risks. The need to test agents in relevant animal models and advances in metabolic, pharmacokinetic, and pharmacodynamic capabilities challenge us to improve methods by using the most relevant models for estimating human risk. We need to be concerned about gender-related differences and the dynamics of gender-based growth and development over the entire life cycle. We must also consider potential interactions of dietary supplements and other exogenous agents that can act as drugs or modulate the potential effects of drugs differently in men, women, and developing children of both sexes. To this end, the health benefits of genistein and the effects of this dietary agent in a multigeneration study in rats will be described. It is envisioned that this symposium will assist in re-recognition of the importance of gender-related differences in use and response to pharmaceuticals and result in optimization of nonclinical testing procedures to identify benefits and

  12. Access to HIV prevention services among gender based violence survivors in Tanzania

    OpenAIRE

    Mboya, Beati; Temu, Florence; Awadhi, Bayoum; Ngware, Zubeda; Ndyetabura, Elly; Kiondo, Gloria; Maridadi, Janneth

    2012-01-01

    Introduction Currently, Tanzania's HIV prevalence is 5.7%. Gender inequality and Gender Based Violence (GBV) are among factors fuelling the spread of HIV in Tanzania. This study was conducted to assess universal access to HIV prevention services among GBV survivors in Iringa and Dar-es-Salaam where HIV prevalence is as high as 14.7% and 9% respectively compared to a national average of 5.7%. Methods In 2010, a mixed methods study using triangulation model was conducted in Iringa and Dar-es-Sa...

  13. Analysis of the Effectiveness of the Retire Tool When Deciding Between High 36 Retirement and Blended TSP Retirement

    Science.gov (United States)

    2016-12-01

    and portfolio growth are inherently intertwined. Armstrong found a direct link in his research between portfolio volatility and the “survival of the... portfolio at any given time horizon” (Armstrong, 2005, p. 10). Given that the HIGH-36 retirement system has little to no expected volatility , and... volatility , pension 15. NUMBER OF PAGES 115 16. PRICE CODE 17. SECURITY CLASSIFICATION OF REPORT Unclassified 18. SECURITY CLASSIFICATION OF THIS

  14. Retirement intentions of dentists in New South Wales, Australia

    Directory of Open Access Journals (Sweden)

    Page Sue

    2010-04-01

    Full Text Available Abstract Background The Australian dental workforce is ageing and current shortages have been predicted to worsen with the retirement of the growing contingent of older dentists. However, these predictions have been based on retirement trends of previous generations and little is known about the retirement intentions of today's older dentists. Methods The Dentist Retirement Intentions Survey was mailed to 768 NSW Australian Dental Association members aged over 50 and achieved a response rate of 20%. T-tests, ANOVAs and multivariate regression were used to analyse the data. Results On average, participants intend to retire at the age of 66, although they would prefer to do so earlier (p Conclusions The current generation of older dentists intends to retire later than their predecessors. Most wish to remain involved in dentistry in some capacity following retirement, and may assist in overcoming workforce shortages, either by practising part time or training dental students.

  15. Predictors of life satisfaction in retired physicians and spouses.

    Science.gov (United States)

    Guerriero Austrom, Mary; Perkins, Anthony J; Damush, Teresa M; Hendrie, Hugh C

    2003-03-01

    With the current demographic changes, adjustment to retirement has become a major concern for physicians. Yet information on adjustment to retirement gathered from retired physicians is sparse. Information on physician spouses following retirement is currently not available. Therefore, we conducted a survey of a multi-disciplinary group of retired physicians and their spouses on adjustment to retirement. A mail survey was sent to 1834 alumni who graduated from medical school prior to 1965. Responses were received from 795 (43 %) physicians and 455 spouses. Of the physicians, 678 indicated that they were retired or semi-retired. Life satisfaction was measured on a 9-point Likert scale. Levels of life satisfaction were high for both physicians and spouses. Approximately 88 % of both groups reported being mostly satisfied or better with their lives. Factors associated with better life satisfaction for physicians included better health, optimism, feelings of financial security, participation in activities and hobbies and a good sexual relationship. For spouses, good health, having a husband willing to help with chores, quality of relationships including sexual relationship and attending theatre or sporting events were associated with higher levels of life satisfaction. Spouses who had never worked reported higher levels of life satisfaction than spouses who had worked and were now retired. For changes in life satisfaction since physician retirement, predictors for both physicians and spouses were similar to those for life satisfaction. However, for physicians, both younger age and more years in retirement were independently associated with improved life satisfaction. Issues regarding loss of role and methods and reasons for retirement influenced satisfaction in the early retirees. For spouses, major challenges involved coping with changes in the marital relationship. Physicians and their spouses reported high levels of life satisfaction. The factors predicting life

  16. Land Retirement as a Habitat Restoration Tool

    Science.gov (United States)

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

    2007-12-01

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

  17. [Heart morphologic state in retired fighter pilots].

    Science.gov (United States)

    Yang, X E; Chen, Z G; Long, L; Zhai, D S; Zhao, X J; Fang, R Y

    2000-12-01

    Objective. To study the heart morphology in the retired fighter pilots, and to provide clinical evidence for protection combined G-loads (+ Gz), heat, noise, hypoxic and vibration stress induced cardiac structural damage. Method. Parameters of heart morphology were studied using Doppler echocardiography in 40 retired fighter pilots with 40 veteran cadres as control. Result. LVDd, LVDs, LADs, LVEDV, LVPWs and LVM in pilot group were somewhat higher than those in control group (NS); while IVSs and LVMI in pilot group were slightly lower than those in control group (NS); LVESV, aortic valve area, internal diameter of the ring and sinus in pilot group were significantly higher than those in control group (P < 0.05). Conclusion. Analysis of the results revealed no pathomorphologic damage of the heart. It suggest that all the variations can be regarded as adaptive changes due to the effects of the combined environmental factors experienced in long time flying.

  18. Failure analysis of retired steam generator tubings

    Energy Technology Data Exchange (ETDEWEB)

    Kim, Hong Pyo; Kim, J. S.; Hwang, S. S. and others

    2005-04-15

    Degradation of steam generator leads to forced outage and extension of outage, which causes increase in repair cost, cost of purchasing replacement power and radiation exposure of workers. Steam generator tube rupture incident occurred in Uljin 4 in 2002, which made public sensitive to nuclear power plant. To keep nuclear energy as a main energy source, integrity of steam generator should be demonstrated. Quantitative relationship between ECT(eddy current test) signal and crack size is needed in assesment of integrity of steam generator in pressurized water reactor. However, it is not fully established for application in industry. Retired steam generator of Kori 1 has many kinds of crack such as circumferential and axial primary water stress corrosion crack and outer diameter stress corrosion crack(ODSCC). So, it can be used in qualifying and improving ECT technology and in condition monitoring assesment for crack detected in ISI(in service inspection). In addition, examination of pulled tube of Kori 1 retired steam generator will give information about effectiveness of non welded sleeving technology which was employed to repair defect tubes and remedial action which was applied to mitigate ODSCC. In this project, hardware such as semi hot lab. for pulled tube examination and modification transportation cask for pulled tube and software such as procedure of transportation of radioactive steam generator tube and non-destructive and destructive examination of pulled tube were established. Non-destructive and destructive examination of pulled tubes from Kori 1 retired steam generator were performed in semi hot lab. Remedial actions applied to Kori 1 retired steam generator, PWSCC trend and bulk water chemistry and crevice chemistry in Kori 1 were evaluated. Electrochemical decontamination technology for pulled tube was developed to reduce radiation exposure and enhance effectiveness of pulled tube examination. Multiparameter algorithm developed at ANL, USA was

  19. Gender-Based Analysis of Perioperative Outcomes Associated with Lower Extremity Bypass

    Science.gov (United States)

    JAIN, ASHISH K.; VELAZQUEZ-RAMIREZ, GABRIELA; GOODNEY, PHILIP P.; EDWARDS, MATTHEW S.; CORRIERE, MATTHEW A.

    2017-01-01

    We analyzed gender-based differences in preoperative factors, procedural characteristics, and 30-day outcomes after lower extremity bypass (LEB). LEB procedures were identified from the American College of Surgeons National Surgical Quality Improvement Program Participant User File. Groupwise comparisons of preoperative and procedural variables were made using chi square, t tests, and nonparametric methods; gender influences on mortality, systemic, and surgical site complications were evaluated using logistic regression. Women (4,107 of 11,011 [37.3%]) were older and had greater prevalence of hypertension, diabetes, chronic obstructive pulmonary disease, rest pain, dialysis, previous stroke, open/infected wound, and dependent functional status (P < 0.01 for all comparisons). Women more commonly underwent emergent and extra-anatomic procedures but had lower rates of venous conduit or tibial level outflow use. Univariable associations between female gender and risk of 30-day mortality, systemic, and surgical site complications were identified; only the association with surgical site complications remained significant in multivariable modeling (OR, 1.8; 95% CI, 1.6 to 2.1; P < 0.0001). Gender-based differences in demographic, comorbidity, and procedural factors may contribute to disparities in perioperative outcomes associated with LEB. Female gender may be associated with increased risk for surgical site complications, but 30-day mortality and systemic complication rates in women may reflect effects of confounding factors rather than gender-specific influence. PMID:21944345

  20. A systematic review of prevalence studies of gender-based violence in complex emergencies.

    Science.gov (United States)

    Stark, Lindsay; Ager, Alastair

    2011-07-01

    Current methods to estimate the incidence of gender-based violence in complex emergencies tend to rely on nonprobability samples. Population-based monitoring is undertaken relatively infrequently. This article provides a systematic review of published literature that represents attempts to quantify the magnitude of gender-based violence in emergency settings. Searches adopted a Boolean procedure, which led to initial selection of material that was then reviewed against set criteria. Only 10 studies met the final criteria for inclusion. Intimate partner violence, physical violence, and rape were the three categories of violence most frequently measured. Rates of intimate partner violence tended to be quite high across all of the studies-much higher than most of the rates of wartime rape and sexual violence perpetrated by individuals outside of the home. Direct comparisons of rates of violence were hindered by different case definitions, recall periods, and other methodological features. Recommendations for future studies are offered based on lessons learned from the studies reviewed.

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

    Science.gov (United States)

    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

  2. Starting Retirement on a Sound Footing

    CERN Multimedia

    2001-01-01

    The fifth pre-retirement seminar has been a great success. The various sessions covered questions relating to rules and regulations, as well as financial and health issues, health insurance, residence permits and the psychological aspects of retirement. You will no doubt have noticed that the car parks near the Main Building were particularly full last week. In fact it was almost impossible to find a parking spot. A prestigious speaker? A sensational lecture series? Nothing of the sort. It was all due to the pre-retirement seminar, the fifth of its kind since 1993, which never fails to be a success. 'We sent out a thousand invitations to CERN staff aged 55 and above and received 500 positive replies' says William Blair, who has been organising the seminars for the Human Resources (HR) Division for the last eight years in collaboration with the CERN Pensioners Association and the Staff Association. The Main Auditorium was not big enough to accommodate everyone and the discussions also had to be retransmitted l...

  3. Job Satisfaction, Retirement Attitude and Intended Retirement Age: A Conditional Process Analysis across Workers’ Level of Household Income

    Science.gov (United States)

    Davies, Eleanor M. M.; Van der Heijden, Beatrice I. J. M.; Flynn, Matt

    2017-01-01

    In the contemporary workplace, insight into retirement behaviors is of crucial importance. Previous empirical evidence has found mixed results regarding the relationship between work attitudes, such as job satisfaction, and retirement behaviors, suggesting that further scholarly examination incorporating moderating and mediating variables into retirement models is needed. Drawing on comparative models of attitude to retirement, we hypothesized a direct relationship between job satisfaction and intended retirement age for workers with a high household income and an indirect relationship between job satisfaction and intended retirement age, via retirement attitude, for workers with a low or mean household income. We collected data from a sample of 590 United Kingdom workers aged 50+. Using conditional process analysis, we found that the underlying mechanisms in our research model differ according to socio-economic status. We found no direct effect between job satisfaction and intended retirement age. However, an indirect effect was observed between job satisfaction and intended retirement age, via retirement attitude, for both low- and mean-household income individuals. Specifically, the relationship between job satisfaction and retirement attitude differed according to socio-economic group: for high-household income older workers, there was no relationship between job satisfaction and retirement attitude. However, for low- and mean-household income older workers, we observed a negative relationship between job satisfaction and retirement attitude. Otherwise stated, increases in job satisfaction for mean and low household income workers are likely to make the prospect of retirement less attractive. Therefore, we argue that utmost care must be taken around the conditions under which lower income employees will continue their work when getting older in order to protect their sustainable employability. PMID:28620329

  4. Insurance industry troubles put pension, annuity plans at risk; experts urge checkup.

    Science.gov (United States)

    Pallarito, K

    1991-08-05

    Because of recent troubles in the insurance industry, most notably the state seizure of Newark, N.J.-based Mutual Benefit Life Insurance Co., it's a good time for hospitals and associations that sponsor pension and annuity plans to check up on the financial health of their investments, experts say. The rapid rise in "non-performing" mortgages held by insurance companies is among the maladies putting plans at risk.

  5. Retirement and physical activity: analyses by occupation and wealth.

    Science.gov (United States)

    Chung, Sukyung; Domino, Marisa E; Stearns, Sally C; Popkin, Barry M

    2009-05-01

    Older adults close to retirement age show the lowest level of physical activity. Changes in lifestyle with retirement may alter physical activity levels. This study investigated whether retirement changes physical activity and how the effect differs by occupation type and wealth level. This longitudinal study used the Health and Retirement Study (1996-2002), U.S. population-based data. Analyses were conducted in 2007 and 2008. Physical activity was measured by a composite indicator of participation in either work-related or leisure-time physical activity. Fixed-effects regression models were used to account for confounders and unobserved heterogeneity. The dependent variable was a composite indicator of participation in regular physical activity either at work or during nonworking hours. Physical activity decreased with retirement from a physically demanding job but increased with retirement from a sedentary job. Occupation type interacted with wealth level, with the negative impact on physical activity of retirement exacerbated by lack of wealth and the positive effect of retirement on physical activity enhanced by wealth. Substantial differences in the effect of retirement on physical activity occurred across subgroups. As the number of people approaching retirement age rapidly increases, findings suggest that a growing segment of the nation's population may not sustain an adequate level of physical activity.

  6. Planning for retirement from medicine: a mixed-methods study.

    Science.gov (United States)

    Pannor Silver, Michelle; Easty, Laura K

    2017-01-01

    Evidence suggests there are important personal and social consequences associated with inadequate retirement planning for physicians. We evaluated whether academic physicians felt satisfied with their retirement planning, and identified obstacles to retirement planning and a set of factors to facilitate retirement planning. We applied a sequential mixed-methods research design to explore and examine factors that facilitate academic physician retirement planning using data collected from multiple sources (including 7 focus groups, an internet-based survey and 23 in-depth interviews). We examined survey results regarding retirement planning satisfaction and preferences for complete versus gradual retirement. We used thematic analysis to examine verbatim transcripts and notes from the focus groups and interviews. Survey data (response rate 51%) indicated that 10% of respondents were very satisfied with their retirement planning and 89.5% would prefer to retire gradually rather than stop work completely. Key barriers to retirement planning that emerged included poor personal financial management, rigid institutional structures and professional norms. Facilitators included financial planning resources for physicians at multiple career stages, opportunities and resources for later-career transitions and later-career mentorship support for intergenerational collaboration, and recognition of retirees. Key findings highlight perceived barriers to retirement planning at various career stages in addition to factors that can enhance physicians' retirement planning, including creating gradual and flexible retirement options, supporting ongoing discussions about financial planning and later career transitions, and fostering a culture that continues to honour and involve retirees. Medical institutions could foster innovative models for later-career transitions from medicine in ways that address physicians' needs at various career stages, support gradual transitions from practice

  7. Baby boom generation at the retirement onset

    Directory of Open Access Journals (Sweden)

    Stojilković Jelena

    2010-01-01

    Full Text Available Sudden increase in the number of live births after the Second World War due to an increase in fertility rates has led to the formation of cohorts with specific characteristics or baby boom generation. This generation is unique in the history of the demographic phenomenon that has affected and affects the functioning of many segments of society. The aim of this paper is to assess structure of baby boomers who are few years away from retirement, using demographic data. Impact of baby boomer age structure of current and future retirees is described with a graphical display of current and projected age pyramid of baby boomers. Demographic pattern that women live longer than men is evident in the projected pyramid. In addition, the number of baby boomers will lead to a "younger" old population. The imbalance in the number of men and women pensioners, as well as older cohorts of women and female baby boomers was analyzed. As a result, an increasing trend of women's age pensioners who are members of the baby boom generation was clearly observed, which is opposite to the older cohort of women who often were family pensioners. Different circumstances and conditions in which female boomers lived and worked will form a new "pension model" because they will gain their benefits as well as men, for the first time in significant number, unlike their mothers, which gained the right to retire after they become widows. Number of women age pensioners is getting greater comparing to men, as the result of changes in the economic activities of women in the last half of the 20th century. When baby boomers retire and exit the working population, this will create a vacuum, because the numerically smaller generations will enter working population, while the sudden and very shortly, the number of population older than 60 or 65 will increase, most of them will likely to acquire the right to a pension. It is undeniable that baby boomers had impact on demographic structure

  8. Valuation of Mortality Risk via the Instantaneous Sharpe Ratio: Applications to Life Annuities

    CERN Document Server

    Bayraktar, Erhan; Promislow, David; Young, Virginia

    2008-01-01

    We develop a theory for valuing non-diversifiable mortality risk in an incomplete market. We do this by assuming that the company issuing a mortality-contingent claim requires compensation for this risk in the form of a pre-specified instantaneous Sharpe ratio. We apply our method to value life annuities. One result of our paper is that the value of the life annuity is {\\it identical} to the upper good deal bound of Cochrane and Sa\\'{a}-Requejo (2000) and of Bj\\"{o}rk and Slinko (2006) applied to our setting. A second result of our paper is that the value per contract solves a {\\it linear} partial differential equation as the number of contracts approaches infinity. One can represent the limiting value as an expectation with respect to an equivalent martingale measure (as in Blanchet-Scalliet, El Karoui, and Martellini (2005)), and from this representation, one can interpret the instantaneous Sharpe ratio as an annuity market's price of mortality risk.

  9. Predictors of early retirement thoughts and intent to work after retirement

    Directory of Open Access Journals (Sweden)

    Cristina Mădălina Neacșiu

    2013-10-01

    Full Text Available The purpose of the paper was to see if job demands, job resources as well as self-efficacy can besuccessfully used as predictors for the up mentioned intentions. Data was collected from both blue collar andwhite - collar types of work. Questionnaires were applied to a sample of 64 employees. The hypotheses weretested by conducting a multiple hierarchical regression for both dependent variables. Results show that type ofwork was the only significant predictor in determining the intent to retire early or not. Additionally,psychological job demands as well as education level have been shown to significantly predict the intent to workafter retirement. The results highlight key aspects that both employer and employee should take intoconsideration when creating strategies for retirement. In doing so, we will be creating a much safer environmentin which employees can tackle this important milestone without increasing their changes of stress and/or othernegative outcomes.

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

    Science.gov (United States)

    Staats, Sara; Pierfelice, Loretta

    2003-09-01

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

  11. Multi-life cycles utilization of retired satellites

    Institute of Scientific and Technical Information of China (English)

    2009-01-01

    Retired geosynchronous (GEO) communication satellites affect the GEO orbit environment in outer space. According to the new concept of modern design, the authors propose creatively a method of reusing retired GEO communication satellites, through adjusting retired GEO satellites to slightly inclined orbit geosynchronous (SIGSO) satellites. After these retired satellites are applied to the navigation and communication system, integrity of navigation system and positioning accuracy of the system is improved. Meanwhile, some transponders on these retired satellites can be used to establish a new satellite communication service, and initiate the study and utilization of the multi-life cycle for retired satellites. Experimental results show that this project has significant social value and can make remarkable economic benefit.

  12. Multi-life cycles utilization of retired satellites

    Institute of Scientific and Technical Information of China (English)

    SHI HuLi; AI GuoXiang; HAN YanBen; MA LiHua; CHEN JiBin; GENG JianPing

    2009-01-01

    Retired geosynchronous (GEO) communication satellites affect the GEO orbit environment in outer apace.According to the new concept of modern design,the authors propose creatively a method of reusing retired GEO communication satellites,through adjusting retired GEO satellites to slightly inclined orbit geosynchronous (SIGSO) satellites.After these retired satellites are applied to the navigation and communication system,integrity of navigation system and positioning accuracy of the system is improved.Meanwhile,some transponders on these retired satellites can be used to establish a new satellite communication service,and initiate the study and utilization of the multi-life cycle for retired satellites.Experimental results show that this project has significant social value and can make remarkable economic benefit.

  13. The role of mental health in primary prevention of sexual and gender-based violence.

    Science.gov (United States)

    Gevers, Aník; Dartnall, Elizabeth

    2014-01-01

    In this short communication, we assert that mental health has a crucial role in the primary prevention of sexual and gender-based violence (SGBV). However, we found that most research and practice to date has focused on the role of mental health post-violence, and SGBV primary prevention is relying on public health models that do not explicitly include mental health. Yet, key concepts, processes, and competencies in the mental health field appear essential to successful SGBV primary prevention. For example, empathy, self-esteem, compassion, emotional regulation and resilience, stress management, relationship building, and challenging problematic social norms are crucial. Furthermore, competencies such as rapport building, group processing, emotional nurturing, modelling, and the prevention of vicarious trauma among staff are important for the successful implementation of SGBV primary prevention programmes. SGBV primary prevention work would benefit from increased collaboration with mental health professionals and integration of key mental health concepts, processes, and skills in SGBV research.

  14. Sexual and gender-based violence against refugee women: a hidden aspect of the refugee "crisis".

    Science.gov (United States)

    Freedman, Jane

    2016-05-01

    The current refugee "crisis" in Europe has created multiple forms of vulnerability and insecurity for refugee women including various forms of sexual and gender-based violence. Increasing numbers of women, either alone or with family, are attempting to reach Europe to seek protection from conflict and violence in their countries, but these women are subject to violence during their journey and/or on arrival in a destination country. The lack of adequate accommodation or reception facilities for refugees and migrants in Europe, as well as the closure of borders which has increased the need for smugglers to help them reach Europe, acts to exacerbate the violence and insecurity. Copyright © 2016 Elsevier Inc. All rights reserved.

  15. GENDER-BASED DIFFERENCES IN SCHOOL-AGED CHILDREN’S DIVERGENT THINKING

    Directory of Open Access Journals (Sweden)

    Leah Roue

    2014-12-01

    Full Text Available This study examines whether the shortage of females in science and engineering is linked to possible gender-based differences in school-aged children’s divergent thinking. Divergent thinking is a direct measure of creativity and an important characteristic in science and engineering. A survey instrument designed to measure divergent thinking was administered to 8th and 11th graders in a mid-western United States school district. Results showed that there were no difference between girls and boys on the three measures of divergent thinking: fluency, flexibility, and originality. These results indicate little reason as to why participation in science and engineering is male dominated, and support the notion that additional exposure to science and engineering through divergent-thinking activities will provide girls with the self-knowledge that they are capable of solving open-ended problems and engineering tasks.

  16. Rural teachers' views: What are gender-based challenges facing Free Primary Education in Lesotho?

    Directory of Open Access Journals (Sweden)

    Pholoho Morojele

    2013-01-01

    Full Text Available This paper gives prominence to rural teachers' accounts of gender-based challenges facing Free Primary Education in Lesotho. It draws on feminist interpretations of social constructionism to discuss factors within the Basotho communities that affect gender equality in the schools. The inductive analysis offered makes use of the data generated from semi-structured interviews with 12 teachers in three primary schools. Basotho culture, superstitious symbolism, and family dynamics are found to be some of the factors that reinforce inequitable gender relations. The findings indicate how teachers exploited these factors to promote the polarisation of gender qualities, and to exalt masculinities at the expense of femininities. The paper argues for the promotion of counter-hegemonic discourses of gender, with an emphasis on conceptions of gender as multiple and fluid human qualities. It explains how paying attention to the cultural architecture of gender formations in localised contexts could become an effective strategy in promoting gender equality in schools.

  17. Mainstreaming domestic and gender-based violence into sociology and the criminology of violence.

    Science.gov (United States)

    Walby, Sylvia; Towers, Jude; Francis, Brian

    2014-12-01

    Sociological and criminological views of domestic and gender-based violence generally either dismiss it as not worthy of consideration, or focus on specific groups of offenders and victims (male youth gangs, partner violence victims). In this paper, we take a holistic approach to violence, extending the definition from that commonly in use to encompass domestic violence and sexual violence. We operationalize that definition by using data from the latest sweep of the Crime Survey for England and Wales. By so doing, we identify that violence is currently under-measured and ubiquitous; that it is gendered, and that other forms of violence (family violence, acquaintance violence against women) are equally of concern. We argue that violence studies are an important form of activity for sociologists.

  18. The role of mental health in primary prevention of sexual and gender-based violence

    Directory of Open Access Journals (Sweden)

    Aník Gevers

    2014-09-01

    Full Text Available In this short communication, we assert that mental health has a crucial role in the primary prevention of sexual and gender-based violence (SGBV. However, we found that most research and practice to date has focused on the role of mental health post-violence, and SGBV primary prevention is relying on public health models that do not explicitly include mental health. Yet, key concepts, processes, and competencies in the mental health field appear essential to successful SGBV primary prevention. For example, empathy, self-esteem, compassion, emotional regulation and resilience, stress management, relationship building, and challenging problematic social norms are crucial. Furthermore, competencies such as rapport building, group processing, emotional nurturing, modelling, and the prevention of vicarious trauma among staff are important for the successful implementation of SGBV primary prevention programmes. SGBV primary prevention work would benefit from increased collaboration with mental health professionals and integration of key mental health concepts, processes, and skills in SGBV research.

  19. Attempted suicide among transgender persons: The influence of gender-based discrimination and victimization.

    Science.gov (United States)

    Clements-Nolle, Kristen; Marx, Rani; Katz, Mitchell

    2006-01-01

    To determine the independent predictors of attempted suicide among transgender persons we interviewed 392 male-to-female (MTF) and 123 female-to-male (FTM) individuals. Participants were recruited through targeted sampling, respondent-driven sampling, and agency referrals in San Francisco. The prevalence of attempted suicide was 32% (95% CI = 28% to 36%). In multivariate logistic regression analysis younger age (suicide. Suicide prevention interventions for transgender persons are urgently needed, particularly for young people. Medical, mental health, and social service providers should address depression, substance abuse, and forced sex in an attempt to reduce suicidal behaviors among transgender persons. In addition, increasing societal acceptance of the transgender community and decreasing gender-based prejudice may help prevent suicide in this highly stigmatized population.

  20. 5 CFR 842.707 - Partial deferred payment of the lump-sum credit if annuity commences after January 3, 1988, and...

    Science.gov (United States)

    2010-01-01

    ... credit if annuity commences after January 3, 1988, and before October 1, 1989. 842.707 Section 842.707... of the lump-sum credit if annuity commences after January 3, 1988, and before October 1, 1989. (a... after January 3, 1988, and before October 1, 1989, the lump-sum credit payable under § 842.705...

  1. 26 CFR 20.2056(b)-6 - Marital deduction; life insurance or annuity payments with power of appointment in surviving spouse.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 14 2010-04-01 2010-04-01 false Marital deduction; life insurance or annuity... consists of proceeds held by an insurer under the terms of a life insurance, endowment, or annuity contract... policy of insurance upon the decedent's life, a policy of insurance upon the life of a person...

  2. 26 CFR 25.2512-6 - Valuation of certain life insurance and annuity contracts; valuation of shares in an open-end...

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 14 2010-04-01 2010-04-01 false Valuation of certain life insurance and annuity...; GIFTS MADE AFTER DECEMBER 31, 1954 Transfers § 25.2512-6 Valuation of certain life insurance and annuity contracts; valuation of shares in an open-end investment company. (a) Valuation of certain life...

  3. 26 CFR 1.381(c)(11)-1 - Contributions to pension plan, employees' annuity plans, and stock bonus and profit-sharing plans.

    Science.gov (United States)

    2010-04-01

    ... 26 Internal Revenue 4 2010-04-01 2010-04-01 false Contributions to pension plan, employees... TAXES Insolvency Reorganizations § 1.381(c)(11)-1 Contributions to pension plan, employees' annuity... or transferor corporation in respect of any pension, annuity, stock bonus, or profit-sharing plan. (b...

  4. 26 CFR 1.404(a)-3 - Contributions of an employer to or under an employees' pension trust or annuity plan that meets...

    Science.gov (United States)

    2010-04-01

    ... employees' pension trust or annuity plan that meets the requirements of section 401(a); application of... THE TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES Pension, Profit-Sharing, Stock Bonus Plans, Etc. § 1.404(a)-3 Contributions of an employer to or under an employees' pension trust or annuity...

  5. 5 CFR Appendix A to Subpart C of... - Present Value Conversion Factors for Earlier Commencing Date of Annuities of Current and Former...

    Science.gov (United States)

    2010-01-01

    ... 5 Administrative Personnel 2 2010-01-01 2010-01-01 false Present Value Conversion Factors for Earlier Commencing Date of Annuities of Current and Former Spouses of Deceased Separated Employees A...—Present Value Conversion Factors for Earlier Commencing Date of Annuities of Current and Former Spouses...

  6. A Global Exploratory Analysis of Men Participating in Gender-Based Violence Prevention.

    Science.gov (United States)

    Tolman, Richard M; Casey, Erin A; Allen, Christopher T; Carlson, Juliana; Leek, Cliff; Storer, Heather L

    2016-09-26

    Organizations addressing gender-based violence (GBV) increasingly include men as partners in prevention efforts. However, little is known about men who get involved in those efforts and what specific actions they take. We present analyses of data from an international sample of men involved in gender-based prevention work that aimed to describe (a) the nature of participants' involvement in prevention efforts, in both formal programming and in their daily lives; (b) characteristics of engaged men, including gender and bystander-related attitudes and beliefs, and social networks; and (c) factors that sustain men's involvement in GBV movements over time. Comparisons across global regions for these variables were also conducted. A total of 379 male-identified participants above 18 who had attended a GBV event in the past year completed an online survey (available in English, French, and Spanish). Respondents represented all continents except Antarctica, although North America was over-represented in the sample. Overall, respondents scored well above North American norms for men on support for gender equality and recognition of male privilege, and this was true across all geographic regions. Men in all regions reported moderate support from friends and somewhat less support from male relatives for their involvement in GBV prevention. Respondents in all regions reported high levels of active bystander and violence-preventive behavior. The most commonly reported motivations for involvement in GBV prevention included concern for related social justice issues, exposure to the issue of violence through work, hearing a moving story, or disclosures about domestic or sexual violence. Results were mainly similar across regions, but when regional differences emerge, they tended to be contrasts between the global north and global south, highlighting the importance of cross-fertilization across regions and a willingness to adapt critical learnings in new geographic settings.

  7. THE LONG REACH OF EDUCATION: EARLY RETIREMENT.

    Science.gov (United States)

    Venti, Steven; Wise, David A

    2015-12-01

    The goal of this paper is to draw attention to the long lasting effect of education on economic outcomes. We use the relationship between education and two routes to early retirement - the receipt of Social Security Disability Insurance (DI) and the early claiming of Social Security retirement benefits - to illustrate the long-lasting influence of education. We find that for both men and women with less than a high school degree the median DI participation rate is 6.6 times the participation rate for those with a college degree or more. Similarly, men and women with less than a high school education are over 25 percentage points more likely to claim Social Security benefits early than those with a college degree or more. We focus on four critical "pathways" through which education may indirectly influence early retirement - health, employment, earnings, and the accumulation of assets. We find that for women health is the dominant pathway through which education influences DI participation. For men, the health, earnings, and wealth pathways are of roughly equal magnitude. For both men and women the principal channel through which education influences early Social Security claiming decisions is the earnings pathway. We also consider the direct effect of education that does not operate through these pathways. The direct effect of education is much greater for early claiming of Social Security benefits than for DI participation, accounting for 72 percent of the effect of education for men and 67 percent for women. For women the direct effect of education on DI participation is not statistically significant, suggesting that the total effect may be through the four pathways.

  8. Health, Disability Insurance and Retirement in Denmark

    DEFF Research Database (Denmark)

    Bingley, Paul; Datta Gupta, Nabanita; Jørgensen, Michael

    2014-01-01

    There are large differences in labor force participation rates by health status. We examine to what extent these differences are determined by the provisions of Disability Insurance and other pension programs. Using administrative data for Denmark we find that those in worse health and with less...... schooling are more likely to receive DI. The gradient of DI participation across health quintiles is almost twice as steep as for schooling - moving from having no high school diploma to college completion. Using an option value model that accounts for different pathways to retirement, applied to a period...

  9. All those things together made me retire : Qualitative study on early retirement among Dutch employees

    NARCIS (Netherlands)

    Reeuwijk, K.G.; Wind, A. de; Westerman, M.J.; Ybema, J.F.; Beek, A.J. van der; Geuskens, G.A.

    2013-01-01

    Background: Due to the aging of the population and subsequent higher pressure on public finances, there is a need for employees in many European countries to extend their working lives. One way in which this can be achieved is by employees refraining from retiring early. Factors predicting early

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

    Science.gov (United States)

    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…

  11. All those things together made me retire : Qualitative study on early retirement among Dutch employees

    NARCIS (Netherlands)

    Reeuwijk, K.G.; Wind, A. de; Westerman, M.J.; Ybema, J.F.; Beek, A.J. van der; Geuskens, G.A.

    2013-01-01

    Background: Due to the aging of the population and subsequent higher pressure on public finances, there is a need for employees in many European countries to extend their working lives. One way in which this can be achieved is by employees refraining from retiring early. Factors predicting early ret

  12. Baby boomers nearing retirement: the healthiest generation?

    Science.gov (United States)

    Rice, Neil E; Lang, Iain A; Henley, William; Melzer, David

    2010-02-01

    The baby-boom generation is entering retirement. Having experienced unprecedented prosperity and improved medical technology, they should be the healthiest generation ever. We compared prevalence of disease and risk factors at ages 50-61 years in baby boomers with the preceding generation and attributed differences to period or cohort effects. Data were from the Health Survey for England (HSE) from 1994 to 2007 (n = 48,563). Logistic regression models compared health status between birth cohorts. Age-period-cohort models identified cohort and period effects separately. Compared to the wartime generation, the baby-boomer group was heavier (3.02 kg; 95% confidence interval [CI], 2.42-3.63; p Baby boomers reported fewer heart attacks (OR = 0.61; CI, 0.47-0.79; p baby boomers are moving toward retirement with improved cardiovascular health. However, the baby-boomer cohort has a higher prevalence of mental illness diagnoses and shows no improvement in self-rated health compared to the wartime birth cohort. There remains substantial scope to reduce health risks and future disability.

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

    Science.gov (United States)

    Mein, Gill; Ellison, George T. H.

    2006-01-01

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

  14. 5 CFR 839.1118 - Will my annuity be actuarially reduced because I had Government contributions in my TSP account?

    Science.gov (United States)

    2010-01-01

    ... Personnel OFFICE OF PERSONNEL MANAGEMENT (CONTINUED) CIVIL SERVICE REGULATIONS (CONTINUED) CORRECTION OF RETIREMENT COVERAGE ERRORS UNDER THE FEDERAL ERRONEOUS RETIREMENT COVERAGE CORRECTIONS ACT Effect of Election... FERCCA are allowed to keep the Government contributions, and earnings on the Government contributions...

  15. Maintaining work-related personal ties following retirement

    NARCIS (Netherlands)

    Cozijnsen, M.R.; Stevens, N.L.; Tilburg, T.G. van

    2010-01-01

    This study examines the consequences of retirement for the continuation of work-related personal ties. The hypothesis is that their inclusion in personal networks after retirement has become more likely because these relationships have become less role based in today's social-cultural context. Data

  16. Maintaining work-related personal ties following retirement

    NARCIS (Netherlands)

    Cozijnsen, M.R.; Stevens, N.L.; Tilburg, van T.G.

    2010-01-01

    Abstract This study examines the consequences of retirement for the continuation of work-related personal ties. The hypothesis is that their inclusion in personal networks after retirement has become more likely because these relationships have become less role based in today’s social-cultural conte

  17. Civic Engagement as a Retirement Role for Aging Americans

    Science.gov (United States)

    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…

  18. Pathways to Retirement and Mortality Risk in The Netherlands

    NARCIS (Netherlands)

    Kalwij, Adriaan; Alessie, Rob; Knoef, Marike

    2013-01-01

    The success of policies aimed at keeping older workers in employment until the statutory retirement age in part depends on the health of these workers. For this reason we examine to what extent pathways to statutory retirement other than employment are associated with adverse health conditions as me

  19. Between goals and expectations : Essays on pensions and retirement

    NARCIS (Netherlands)

    de Bresser, J.R.

    2013-01-01

    This thesis looks at subjective ideas of individuals that are relevant to their retirement. The first chapter focuses on the relationship between expectations of the replacement rate of income at retirement and satisfaction with various aspects of one’s pension arrangements, such as the age at which

  20. Visual Arts and Older Adult Learners in Retirement

    Science.gov (United States)

    Hunt, Irma

    2012-01-01

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

  1. A Policy Analysis of Public School Retirement Systems

    Science.gov (United States)

    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…

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

    Science.gov (United States)

    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)

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

    Science.gov (United States)

    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)

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

    NARCIS (Netherlands)

    Bloemen, Hans; Hochguertel, Stefan; Zweerink, J.R.

    2016-01-01

    Gradual retirement by which individuals leave their career jobs and withdraw incrementally from the labor force is an important empirical phenomenon in the United States. We analyze the current state of gradual retirement in the Netherlands using administrative data that allow much more precise trac

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

    Science.gov (United States)

    Dew, Jeffrey; Yorgason, Jeremy

    2010-01-01

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

  6. 76 FR 32243 - Federal Employees' Retirement System; Present Value Factors

    Science.gov (United States)

    2011-06-03

    ... MANAGEMENT Federal Employees' Retirement System; Present Value Factors AGENCY: Office of Personnel Management... conform the present value factors to changes in the economic assumptions adopted by the Board of Actuaries of the Civil Service Retirement System. DATES: The revised present value factors apply to...

  7. 75 FR 35096 - Federal Employees' Retirement System; Present Value Factors

    Science.gov (United States)

    2010-06-21

    ... MANAGEMENT Federal Employees' Retirement System; Present Value Factors AGENCY: Office of Personnel Management... conform the present value factors to changes in demographic factors adopted by the Board of Actuaries of the Civil Service Retirement System. DATES: The revised present value factors apply to...

  8. 77 FR 16485 - Compensation, Retirement Programs, and Related Benefits

    Science.gov (United States)

    2012-03-21

    ... 12 CFR Parts 611, 612, 619, 620 and 630 RIN 3052-AC41 Compensation, Retirement Programs, and Related Benefits AGENCY: Farm Credit Administration. ACTION: Proposed rule; extension of comment period. SUMMARY... investors. The proposed rule would require enhanced reporting of senior officer compensation and retirement...

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

    Science.gov (United States)

    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)

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

    Science.gov (United States)

    Ferguson, Wayne S.

    1982-01-01

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

  11. Early Retirement Plans Blow in on the Recession's Ill Wind.

    Science.gov (United States)

    Natale, Jo Anna

    1991-01-01

    Although estimating how many school districts offered early retirement plans during 1990-91 is difficult, the practice is fairly widespread and is generally initiated by states, not local school districts. Early retirement options (an alternative to massive layoffs) were offered teachers and administrators in New York City, Washington, D.C.,…

  12. Benefits and Problems of Early Retirement for Teachers and Administrators.

    Science.gov (United States)

    McKean, Robert C.; And Others

    This study investigated several aspects of early retirement (prior to age 65) as reported by a selected group of Colorado educators from two large districts, one using the state system and the other its own local system of early retirement. Early retirees from these districts were surveyed by means of a three-part questionnaire: part 1 gathererd…

  13. Academia in Transition. Mid-Career Change or Early Retirement.

    Science.gov (United States)

    Patton, Carl V.

    The impact of early retirement plans and career change on the professional and personal lives of professors and on the manpower and fiscal structures of the universities they serve is examined. The book is based on more than 50 accounts of academics who took early retirement options and a comprehensive review of incentive programs for early…

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

    Science.gov (United States)

    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.

  15. Early retirement reform: Can it work? Will it work?

    NARCIS (Netherlands)

    H.P. van Dalen (Hendrik); K. Henkens

    2003-01-01

    textabstractEarly retirement from the labour force has become standard practice for most employees in the industrialised world. However, as a result of the rising costs of early retirement schemes, curbing the outflow of older workers from the labour force has become a central government policy obje

  16. Activity Involvement in Aging Women: Career Pattern and Retirement.

    Science.gov (United States)

    Holahan, Carole Kovalic

    Some research has found that women's retirement from the labor force produces significant changes in their lives and requires further investigation. The effects of career pattern and retirement on activity involvement and life satisfaction for women who had been in the work force was investigated. Subjects were members of the Terman Study of the…

  17. 18 CFR 367.22 - Accounting for asset retirement obligations.

    Science.gov (United States)

    2010-04-01

    ... amount recognized for the liability and an associated asset retirement cost must be stated at the fair value of the asset retirement obligation in the period in which the obligation is incurred. (b) The... measurement changes to the initial liability for the legal obligation recorded in account 230, Asset...

  18. The Value of Adaptive Regret Management in Retirement

    Science.gov (United States)

    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…

  19. The impact of retirement on health: quasi-experimental methods using administrative data

    OpenAIRE

    Horner, Elizabeth Mokyr; Cullen, Mark R

    2016-01-01

    Background Is retirement good or bad for health? Disentangling causality is difficult. Much of the previous quasi-experimental research on the effect of health on retirement used self-reported health and relied upon discontinuities in public retirement incentives across Europe. The current study investigated the effect of retirement on health by exploiting discontinuities in private retirement incentives to test the effect of retirement on health using a quasi-experimental study design. Metho...

  20. Doorways II: Community Counselor Reference Materials. On School-Related Gender-Based Violence Prevention and Response

    Science.gov (United States)

    US Agency for International Development, 2009

    2009-01-01

    The Doorways training program was designed by the U.S. Agency for International Development (USAID)-funded Safe Schools Program (Safe Schools) to enable teachers, community members and students to prevent and respond to school-related gender-based violence (SRGBV). This booklet, "Doorways II: Community Counselor Reference Materials on…

  1. Doorways II: Community Counselor Training Manual on School-Related Gender-Based Violence Prevention and Response

    Science.gov (United States)

    US Agency for International Development, 2009

    2009-01-01

    The Doorways training program was designed by the U.S. Agency for International Development (USAID)-funded Safe Schools Program (Safe Schools) to enable teachers, community members and students to prevent and respond to school-related gender-based violence (SRGBV). Doorways II was designed for community counselors to prevent and respond to…

  2. Gender-Based Violence: Young Women's Experiences in the Slums and Streets of Three Sub-Saharan African Cities

    Science.gov (United States)

    Oduro, Georgina Yaa; Swartz, Sharlene; Arnot, Madeleine

    2012-01-01

    Using a social ecological approach (Bronfenbrenner) to violence and including Hobsbawm's historical analysis of the collective uses of violence, this article shows how gender-based violence is experienced and used. Drawing on three distinct studies in Ghana, Kenya and South Africa, it shows the commonalities and divergence of young people's…

  3. Gender-Based Violence: Young Women's Experiences in the Slums and Streets of Three Sub-Saharan African Cities

    Science.gov (United States)

    Oduro, Georgina Yaa; Swartz, Sharlene; Arnot, Madeleine

    2012-01-01

    Using a social ecological approach (Bronfenbrenner) to violence and including Hobsbawm's historical analysis of the collective uses of violence, this article shows how gender-based violence is experienced and used. Drawing on three distinct studies in Ghana, Kenya and South Africa, it shows the commonalities and divergence of young people's…

  4. Teaching Strategies and Gender Based Learning Environments: How They Relate to Self-Efficacy, Participatory Behaviors, and Academic Achievement

    Science.gov (United States)

    Allen, Debra

    2013-01-01

    This mixed method participatory action research study investigated the relationships of effective teaching strategies and gender based learning environments to pre-adolescent females' self-efficacy of mathematical ability, classroom participatory behaviors, and academic achievement in the area of mathematics. Research-based teaching…

  5. Feminist Interventions for Southeast Asian Women Trauma Survivors: Deconstructing Gender-Based Violence and Developing Structures of Peace.

    Science.gov (United States)

    Norsworthy, Kathryn L.

    An analysis of structural and institutional violence against women in three cultures in Southeast Asia, Thailand, Cambodia, and among refugees of Burma, was generated by groups of women and men from these countries. Group members also discussed strategies for transforming systems supporting gender-based violence into structures of peace and…

  6. Women of Burma Speak Out: Workshops to Deconstruct Gender-Based Violence and Build Systems of Peace and Justice

    Science.gov (United States)

    Norsworthy, Kathryn L.; Khuankaew, Ouyporn

    2004-01-01

    Refugee and internally displaced women of Burma examined structural and institutional violence against women within their communities within workshop formats. Group members also discussed strategies for transforming systems supporting gender-based violence into structures of peace and gender justice. The authors describe their methodology, based…

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

    Science.gov (United States)

    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.

  8. Mental health and retirement savings: Confounding issues with compounding interest.

    Science.gov (United States)

    Bogan, Vicki L; Fertig, Angela R

    2017-08-29

    The questionable ability of the U.S. pension system to provide for the growing elderly population combined with the rising number of people affected by depression and other mental health issues magnifies the need to understand how these household characteristics affect retirement. Mental health problems have a large and significant negative effect on retirement savings. Specifically, psychological distress is associated with decreasing the probability of holding retirement accounts by as much as 24 percentage points and decreasing retirement savings as a share of financial assets by as much as 67 percentage points. The magnitude of these effects underscores the importance of employer management policy and government regulation of these accounts to help ensure households have adequate retirement savings. Copyright © 2017 John Wiley & Sons, Ltd.

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

    Science.gov (United States)

    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.

  10. The conscientious retiree: The relationship between conscientiousness, retirement, and volunteering.

    Science.gov (United States)

    Mike, Anissa; Jackson, Joshua J; Oltmanns, Thomas F

    2014-10-01

    The current study examined the relationship between conscientiousness, work status, and volunteering utilizing two large samples, the St. Louis Personality and Aging Network (SPAN) and the Health and Retirement Study (HRS). It was hypothesized that conscientious adults who were retired would be more likely to volunteer because, after retirement, they gain a substantial amount of free time, while losing an outlet for their industrious and achievement-striving tendencies. Cross-sectional and longitudinal analyses revealed that conscientious, retired individuals were more likely to volunteer than conscientious, working individuals. Further analyses revealed that facets of conscientiousness provide differential information from the general trait. These findings indicate that volunteering during retirement fills an important niche for high-striving, conscientious individuals.

  11. The Impact of Health on Individual Retirement Plans

    DEFF Research Database (Denmark)

    Datta Gupta, Nabanita; Larsen, Mona

    2010-01-01

    of diagnosis matters, however. For men, the largest reduction in planned retirement age occurs for a diagnosis of lung disease while for women it occurs for musculo-skeletal disease. Except for cardiovascular disease, diagnosed disease is more influential in men's retirement planning than in women's. Our study......-reports of health conditions with diffuse symptoms to the study of labor market outcomes. On the other hand, self-reported cardiovascular disease such as high blood pressure does not appear to bias the estimated impact on planned retirement. Copyright (c) 2009 John Wiley & Sons, Ltd.......We reassess the impact of health on retirement plans of older workers using a unique survey-register match-up which allows comparing the retirement effects of potentially biased survey self-reports of health to those of unbiased register-based diagnostic measures. The aim is to investigate whether...

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

    Science.gov (United States)

    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

  13. Pricing Equity-Indexed Annuities under Stochastic Interest Rates Using Copulas

    Directory of Open Access Journals (Sweden)

    Patrice Gaillardetz

    2010-01-01

    Full Text Available We develop a consistent evaluation approach for equity-linked insurance products under stochastic interest rates. This pricing approach requires that the premium information of standard insurance products is given exogenously. In order to evaluate equity-linked products, we derive three martingale probability measures that reproduce the information from standard insurance products, interest rates, and equity index. These risk adjusted martingale probability measures are determined using copula theory and evolve with the stochastic interest rate process. A detailed numerical analysis is performed for existing equity-indexed annuities in the North American market.

  14. 42 CFR 435.608 - Applications for other benefits.

    Science.gov (United States)

    2010-10-01

    ... applicants and recipients to take all necessary steps to obtain any annuities, pensions, retirement, and...) Annuities, pensions, retirement and disability benefits include, but are not limited to, veterans' compensation and pensions, OASDI benefits, railroad retirement benefits, and unemployment compensation....

  15. Using an emergency response infrastructure to help women who experience gender-based violence in Gujarat, India.

    Science.gov (United States)

    Newberry, Jennifer A; Mahadevan, Swaminatha; Gohil, Narendrasinh; Jamshed, Roma; Prajapati, Jashvant; Rao, Gv Ramana; Strehlow, Matthew

    2016-05-01

    Many women who experience gender-based violence may never seek any formal help because they do not feel safe or confident that they will receive help if they try. A public-private-academic partnership in Gujarat, India, established a toll-free telephone helpline - called 181 Abhayam - for women experiencing gender-based violence. The partnership used existing emergency response service infrastructure to link women to phone counselling, nongovernmental organizations (NGOs) and government programmes. In India, the lifetime prevalence of gender-based violence is 37.2%, but less than 1% of women will ever seek help beyond their family or friends. Before implementation of the helpline, there were no toll-free helplines or centralized coordinating systems for government programmes, NGOs and emergency response services. In February 2014, the helpline was launched across Gujarat. In the first 10 months, the helpline assisted 9767 individuals, of which 8654 identified themselves as women. Of all calls, 79% (7694) required an intervention by phone or in person on the day they called and 43% (4190) of calls were by or for women experiencing violence. Despite previous data that showed women experiencing gender-based violence rarely sought help from formal sources, women in Gujarat did use the helpline for concerns across the spectrum of gender-based violence. However, for evaluating the impact of the helpline, the operational definitions of concern categories need to be further clarified. The initial triage system for incoming calls was advantageous for handling high call volumes, but may have contributed to dropped calls.

  16. Associations between Gender Based Violence and Personality Disorders in US Women

    Science.gov (United States)

    Walsh, Kate; Hasin, Deborah; Keyes, Katherine M.; Koenen, Karestan C.

    2015-01-01

    Gender-based violence (GBV) is prevalent and associated with deleterious outcomes including posttraumatic stress disorder, depression, and substance use disorders. Despite substantial comorbidity between these conditions and personality disorders (PDs), few, if any, studies have examined associations between lifetime exposure to GBV and risk for a range of PDs in nationally representative U.S. samples. The current study addressed this gap in the literature by examining adjusted odds ratios (aORs) and population attributable fractions (PAFs) of ten PDs by lifetime GBV exposure. Participants were 20,089 women who participated in wave 2 (2004-2005) of the National Epidemiologic Survey of Alcohol and Related Conditions. Lifetime GBV and PD were reported by 25% and 20% of women, respectively. Logistic regressions indicated that women with GBV had 3.5 times the odds of lifetime PD; aORs ranged from 2.3 to 6.3 for Schizoid and Borderline PD, respectively. GBV was associated with 38% of all PD cases, and women who had experienced all three GBV types had 8.5 times the odds of PD compared to non-victims. Preventing GBV, particularly multi-type GBV, may be critical to reducing the burden of PDs. Clinicians working with GBV victims should consider assessing PDs and providing treatment targeting multiple outcomes. PMID:26569577

  17. Evaluation of a gender-based violence prevention program for student athletes in Mumbai, India.

    Science.gov (United States)

    Miller, Elizabeth; Das, Madhumita; Tancredi, Daniel J; McCauley, Heather L; Virata, Maria Catrina D; Nettiksimmons, Jasmine; O'Connor, Brian; Ghosh, Sancheeta; Verma, Ravi

    2014-03-01

    Gender-based violence, which includes sexual and intimate partner violence against women, is prevalent worldwide, prompting calls for primary prevention programs which engage men and boys in changing social norms that condone violence against women. Bystander intervention efforts which encourage males to say something to stop peers from enacting disrespectful and abusive behaviors toward females are a promising strategy for promoting non-violent, gender-equitable attitudes and behaviors. An evaluation of "Parivartan"--a U.S. program called "Coaching Boys Into Men" adapted for urban India cricket teams--was conducted in Mumbai, India. Baseline and 12 month follow-up surveys were administered to 309 male cricket athletes aged 10 to 16 years in 46 urban middle schools in Mumbai, India (27 intervention, 19 control). Athletes whose coaches were trained in the program demonstrated greater improvements in gender-equitable attitudes compared to athletes whose coaches provided standard coaching only. Marginally significant improvements were seen in reduction of negative bystander behavior. Violence prevention programs which utilize coaches as positive messengers for respect and non-violence may be a useful addition to global prevention efforts to reduce violence against women.

  18. Community health workers as cultural producers in addressing gender-based violence in rural South Africa.

    Science.gov (United States)

    de Lange, Naydene; Mitchell, Claudia

    2016-01-01

    South Africa has been experiencing an epidemic of gender-based violence (GBV) for a long time and in some rural communities health workers, who are trained to care for those infected with HIV, are positioned at the forefront of addressing this problem, often without the necessary support. In this article, we pose the question: How might cultural production through media making with community health workers (CHWs) contribute to taking action to address GBV and contribute to social change in a rural community? This qualitative participatory arts-based study with five female CHWs working from a clinic in a rural district of South Africa is positioned as critical research, using photographs in the production of media posters. We offer a close reading of the data and its production and discuss three data moments: CHWs drawing on insider cultural knowledge; CHWs constructing messages; and CHWs taking action. In our discussion, we take up the issue of cultural production and then offer concluding thoughts on 'beyond engagement' when the researchers leave the community.

  19. Tip of the iceberg: reporting and gender-based violence in developing countries.

    Science.gov (United States)

    Palermo, Tia; Bleck, Jennifer; Peterman, Amber

    2014-03-01

    Gender-based violence (GBV) is widespread globally and has myriad adverse health effects but is vastly underreported. Few studies address the extent of reporting bias in existing estimates. We provide bounds for underestimation of reporting of GBV to formal and informal sources conditional on having experienced GBV and characterize differences between women who report and those who do not. We analyzed Demographic and Health Survey data from 284,281 women in 24 countries collected between 2004 and 2011. We performed descriptive analysis and multivariate logistic regressions examining characteristics associated with reporting to formal sources. Forty percent of women experiencing GBV previously disclosed to someone; however, only 7% reported to a formal source (regional variation, 2% in India and East Asia to 14% in Latin America and the Caribbean). Formerly married and never married status, urban residence, and increasing age were characteristics associated with increased likelihood of formal reporting. Our results imply that estimates of GBV prevalence based on health systems data or on police reports may underestimate the total prevalence of GBV, ranging from 11- to 128-fold, depending on the region and type of reporting. In addition, women who report GBV differ from those who do not, with implications for program targeting and design of interventions.

  20. Gender-based disparities in access to and outcomes of livertransplantation

    Institute of Scientific and Technical Information of China (English)

    Omobonike O Oloruntoba; Cynthia A Moylan

    2015-01-01

    Despite comprising 35% of transplants, the numberof female transplant recipients has continued todecline. Accordingly, there is a growing attentionto the issue of access to and outcomes of livertransplantation in women. The purpose of this reviewis to critically evaluate the published literature onetiologies contributing to gender-based disparitiesin liver transplantation focusing on the steps fromchronic liver disease through transplantation includingdisparities in liver disease prevalence, access to livertransplant centers and transplant waiting list, receiptof liver transplantation once listed and disparities inpost-liver transplantation outcomes. Our review findsfactors contributing to this disparity may include genderdifferences in the etiology of underlying liver diseaseand patient and physician referral patterns, lifestyle andhealth care, but also utilization of an imperfect organallocation system based on the model for end stage liverdisease score and donor-recipient liver size matching.The review also highlights the need for further researchin the area of gender disparity in order to developappropriate approaches to address it and to improveallocation of this precious resource in the future.