Bridges Benjamin, Choudhury Sharmila
Division of Economic Research, Office of Research, Evaluation, and Statistics (ORES), Office of Retirement and Disability Policy (ORDP), Social Security Administration (SSA), USA.
Soc Secur Bull. 2009;69(1):19-44.
This article analyzes Social Security benefits as a retirement resource for selected subgroups of recent cohorts of near-retirees. The analysis therein examines the distribution of benefits among subgroups by (1) race and ethnicity, (2) nativity, and (3) disability status. We use improved data (actual earnings histories) to produce more accurate measures of benefits. We look at how the average values of several benefit measures, such as Social Security wealth and earnings replacement rates, differ among the selected subgroups and discuss reasons for these differences. This study finds that substantial differences in earnings levels and/or mortality levels among these subgroups interact with Social Security program provisions to produce sizable differences in the values of our benefit measures.
本文将社会保障福利作为近期临近退休人群特定亚组的退休资源进行分析。其中的分析按以下因素考察了各亚组间福利的分配情况：(1)种族和族裔，(2)出生地，以及(3)残疾状况。我们使用了改进后的数据（实际收入历史）来更准确地衡量福利。我们研究了几种福利衡量指标的平均值，如社会保障财富和收入替代率，在选定亚组间的差异，并讨论了这些差异的原因。本研究发现，这些亚组在收入水平和/或死亡率水平上的显著差异与社会保障计划条款相互作用，导致我们的福利衡量指标值出现相当大的差异。
