The Retirement Prospects of Divorced Women
The Retirement Prospects of Divorced Women
复制标题
离婚女性的退休前景
作者：
B. Butrica;Karen E. Smith
几十年来，政策制定者一直在讨论如何解决老年寡妇的高贫困率问题。然而，老年离婚女性比老年寡妇更有可能陷入贫困，历史上的离婚和再婚趋势表明，未来会有更大比例的退休女性离婚。本文使用社会保障管理局的近期收入建模（第 6 版）来预测离婚女性的退休资源和福祉。我们发现，离婚妇女的社会保障福利和退休收入预计会增加，她们的贫困率预计会下降，这在很大程度上是由于妇女终生收入的增加。然而，并非所有离婚女性在退休时都能享有同样富裕的经济福利，这因社会保障福利类型而异。
For decades, policymakers have discussed how to remedy the high poverty rates of older widows. Yet older divorced women are more likely to be poor than older widows, and historical divorce and remarriage trends suggest that in the future a larger share of retired women will be divorced. This article uses the Social Security Administration's Modeling Income in the Near Term (version 6) to project the retirement resources and wellbeing of divorced women. We find that Social Security benefits and retirement incomes are projected to increase for divorced women and that their poverty rates are projected to decline, due in large part to women's increasing lifetime earnings. However, not all divorced women will be equally well off economic well-being in retirement varies by Social Security benefit type.