Woods J R
Soc Secur Bull. 1988 Dec;51(12):5-16.
This article examines the extent of employer-sponsored pension receipt and the amounts of pension benefits among a cohort of retirement-age women interviewed in the New Beneficiary Survey. These women reported relatively low levels of pension protection. Only 27 percent were receiving a pension in late 1982, either from their own employment or as survivors. This was one-half the rate of current pension receipt among a comparable cohort of men. An additional 17 percent of the women were expecting pensions of their own or had potential survivor protection through their husbands' pensions. Among those receiving a pension, women reported median monthly benefits of $250, compared with $460 among men. Pension benefits were a fairly important source of income for these women, particularly those who were unmarried. Almost one-half of the unmarried recipients depended on their pensions for one-third or more of their total incomes, and without their pension income 11 percent would have been below poverty income levels.
本文考察了在“新受益人调查”中接受访谈的一批退休年龄女性领取雇主赞助养老金的情况以及养老金福利金额。这些女性报告的养老金保障水平相对较低。1982年末，只有27%的女性领取养老金，要么是来自她们自己的工作所得，要么是作为遗属领取。这只是可比男性群体中当前领取养老金比例的一半。另外17%的女性预计自己会领取养老金，或者通过丈夫的养老金获得潜在的遗属保障。在领取养老金的女性中，她们报告的月福利中位数为250美元，而男性为460美元。养老金福利对这些女性来说是相当重要的收入来源，尤其是那些未婚女性。几乎一半的未婚养老金领取者的总收入中有三分之一或更多依赖于养老金，并且如果没有养老金收入，11%的人会处于贫困收入水平以下。
