Retirement Security in the United States: Current Sources, by Jack L. Vanderhei, craig Copeland, Dallas R. Salisbury

By Jack L. Vanderhei, craig Copeland, Dallas R. Salisbury

E-book by way of Vanderhei, Jack L., Copeland, craig, Salisbury, Dallas R.

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Additional info for Retirement Security in the United States: Current Sources, Future Prospects, and Likely Outcomes of Current Trends

Sample text

Deterministic Retirement Expense Assumptions The deterministic expenses are broken down into seven categories—food, apparel and services (dry cleaning, haircuts), transportation, entertainment, reading and education, housing, and basic health expenditures. Each of these expenses is estimated for the elderly (age 65 or older) by family size (single or couple) and family income (less than $15,000, $15,000 to $29,999, and $30,000, or more in 2002 dollars) of the family/individual. S. Department of Labor.

For example, approximately 30 percent of the simulated life-paths for the lowest income quartile for those in the 1936-1940 birth cohort would be expected to have sufficient retirement resources. However, at least 85 percent of the simulated life-paths for the third or fourth income quartiles for those in the 1961-1965 birth cohort would be sufficient. This is in large part due to the fact that the younger cohorts will have additional years to accumulate the additional 5 percent of compensation. For each birth cohort, the lower-income quartiles have more risk of insufficient retirement income than their higher-paid counterparts.

In 1979, 62 percent of private-sector workers who were participating in an employment-based retirement plan had a defined benefit (pension) plan solely, with another 22 percent having a defined benefit plan along with a defined contribution (401(k)-type) plan (Figure 22). html. 3% 46 Retirement Security in the United States 1988 66% 1991 46% 1993 36% 1995 40% 1998 40% 1999 40% 2000 35% 2001 37% 2002 36% 2003 38% 2004 36% 2005 35% Source: Kaiser/HRET Survey of Employer Sponosered Health Benefits, 1999-2005; KPMG Survey of Employer-Sponsored Health Benefits, 1991, 1993, 1995, 1998; The Health Insurance Association of America (HIAA), 1988.

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