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Retirement Facilitators: Policy Considerations for Increasing the Role of the States in Assisting with Retirement Savings


  • Geralyn M. Miller


This paper investigates the impact of socioeconomics within states with regard to retirement income using the numbers of OASDI Social Security beneficiaries from the Social Security Administration, data on annuity premium levels from the American Council of Life Insurers, and state-level U.S. Census demographic data. In light of the beginning of the wave of baby-boomer retirements, changing economic conditions, and increased life expectancy, this is timely research. Findings from this study support previous research based on national survey data and indicate that specific demographics may have a significant impact on financial preparedness. Given the varied nature of the demographic compositions within the individual states, this may have implications for policy development involving an increased role for the states in the retirement savings arena.

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  • Geralyn M. Miller, 2009. "Retirement Facilitators: Policy Considerations for Increasing the Role of the States in Assisting with Retirement Savings," Journal of Insurance Issues, Western Risk and Insurance Association, vol. 32(1), pages 35-51.
  • Handle: RePEc:wri:journl:v:32:y:2009:i:1:p:35-51

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