This booklet, addressed to healthy, independent adults who want to plan for secure later lives, presents information about planning for difficult times. The first section discusses issues related to where an individual will live as needs and physical abilities change. It describes services available to help individuals remain in their homes or to…

Faculty members of America's universities and colleges, it is suggested, are finding the real world of academic life increasingly out of tune with the careers they prepared for. Seven faculty members are profiled whose careers illustrate difficulties academics may face at several stages of their lives. (MLW)

The Employment Retirement Income Security Act of 1974 provides vesting requirements for private pension plans but not transfer of vested monies to the new employer when an employee changes jobs. Unless problems of increased employer costs and possible employee benefit losses are resolved, a mandatory portable pension concept is unlikely. (MF)

A study was done of the savings patterns and financial resources of households receiving teacher's retirement insurance benefits. For the survey a mail questionnaire was sent in fall 1988 to a statistically drawn sample of Teachers Insurance and Annuity Association-College Retirement Equities Fund annuitants. Over 900 questionnaires were completed…

This Technical Committee Report examines four tiers of retirement income: (1) social security; (2) private and public occupational pension programs; (3) income from assets and savings; and (4) needs-tested programs. A summary of principal findings and recommendations is followed by three sections discussing the statistical basis for this report.…

Discusses the financial and psychological aspects of retirement that need to be planned for. (IRT)

By 1976-77 almost four million teachers and other school personnel belonged to teacher retirement systems or public employee retirement systems. To help laypersons better understand these systems, this report describes the institutional characteristics of public pension funds whose members include teachers and explains the concepts behind such…

This group of articles discusses a variety of studies related to social security and retirement benefits. These studies are related to both developing and developed nations and are also concerned with studying work conditions and government role in administering a democratic social security system. (SSH)

Current policies concerning income in old age are framed in terms of important Social Security and private pension developments. Criticisms of the "new Social Security" are viewed in the context of major problems associated with the options, especially private pensions. (Author)

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

This information paper on the major income and employment issues affecting older Americans survey the economic impacts of an aging population, presents an agenda for future research into principle income and employment policy issues, and provides an outline of those policy options to be reviewed as a basis for governmental policy formation.…

After giving an overview of the private retirement system and considering deferred wages and labor costs, the study explores the extent of the influence of private pensions on early retirement and on job opportunities of older persons, and the influence of lengthy job tenure requirements on worker mobility. The study weakens the case for…

Traces development of pensions for retired teachers from 1891 to the 1930s. Presents excerpts from educational literature and primary sources such as letters and speeches to indicate various attitudes toward salaries, cost of living, financial problems of public school administration, and legislation mandating teacher retirement pay. (Author/DB)

In a 1968 survey of the income of the aged, 8,248 persons were interviewed out of a population of 19.3 million persons aged 65 or over, excluding approximately 95,000 federal annuitants, 30,000 aliens, and a small number of persons not enrolled. The Current Medicare Survey was utilized to obtain certain selected characteristics of aged persons.…

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…