Who expects to continue working after age 62? The retirement plans of couples.
Who expects to continue working after age 62? The retirement plans of couples.
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谁希望在 62 岁之后继续工作？
DOI：
10.1093/geronb/57.4.s199
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发表时间：
2002
期刊：
影响因子：
--
通讯作者：
Hayward,MarkD
中科院分区：
文献类型：
--
作者：
Pienta,AmyMehraban;Hayward,MarkD
目的：这项研究考察了个人、配偶和家庭特征与丈夫和妻子的退休期望相关。方法：使用1992年健康和退休研究的数据，使用年满62岁和65岁后全职工作的主观概率来衡量退休期望。结果：在婚姻中，退休期望受到个人、配偶和家庭特征的影响。我们观察到跨配偶影响的性别差异，妻子的退休期望更多地受到丈夫资源和约束的影响，反之亦然。尽管如此，与退休预期相关的个人和家庭因素在丈夫和妻子之间有着广泛的共性。夫妻在为退休做计划时，都会对个人和共同的限制和机会做出反应。调查结果支持，在退休决策过程的早期阶段，丈夫和妻子的退休计划有相当大的重叠。然而，跨配偶影响的不平等是退休决策的一个决定性特征。简要讨论了对政策制定者和实践者的影响。
Objectives.This study examines the individual, spousal, and household characteristics associated with the retirement expectations of husbands and wives.Methods.Using data from the 1992 Health and Retirement Study, subjective probabilities of working full-time after reaching age 62 and age 65 are used to measure retirement expectations. The retirement expectations of husbands and wives are modeled simultaneously using a joint-generalized least-squares approach.Results.Within a marriage, retirement expectations are shaped by individual, spousal, and household characteristics. We observe some gender differences in cross-spousal influence with wives' retirement expectations being more influenced by husbands' resources and constraints than vice versa. Nonetheless, individual and household factors associated with retirement expectations are widely shared by husbands and wives.Discussion.Husbands and wives both respond to individual and joint constraints and opportunities when planning for retirement. Findings support that there is considerable overlap in retirement planning of husbands and wives during early parts of the retirement decision-making process. However, inequity in cross-spousal influences is a defining characteristic of retirement decision making. Implications for both policy makers and practitioners are briefly discussed.