Unanticipated Consequences: A Comparison of Expected and Actual Retirement Timing Among Older Women

ABSTRACT

The present study adds to the growing body of literature on women and retirement by means of a comparative analysis of the factors associated with anticipated retirement timing (among pre-retirees) and actual retirement timing (among retirees). Adopting a political economy of aging perspective, we argue that socially-structured patterns of gender inequality related to women's multiple roles across the life course affect patterns of retirement timing. Specifically, we hypothesize that the gendered nature of women's work-retirement decision-making is unanticipated during pre-retirement years. Logistic regression analyses are performed on data drawn from a sample of 275 women aged 45 and older living in the Vancouver area of British Columbia. A central finding is that while actual timing of retirement is affected by family caregiving responsibilities and by health/stress factors, pre-retirees do not perceive these to be important in their own expected retirement timing. Implications for social policy, education, and women's financial and psychological well-being in old age are elaborated.     

Women and Retirement

SUMMARY

A feminist analysis of retirement is presented by questioning the applicability of traditional definitions and theories of retirement to retired women. The effects of marriage, caregiving and other family obligations on women's retirement are examined within the context of salient social, psychological and economic factors. An empowerment-oriented perspective that considers interactions and connections between family and work roles, public and private and personal and political levels are recommended to alleviate the high poverty rates among older women, to promote parity among men and women during retirement and to emancipate women from substantial involvement in unpaid work, specifically, caregiving and home labor.     

健康冲击、基本医疗保险与老年人“退而不休”

在我国进入深度老龄化、劳动力供给不足的背景下,探究健康以及基本医疗保险对老年人退而不休的影响对未来合理有效开发老年人力资源具有重要意义。本文使用四期CHARLS数据将健康冲击、医疗保险与老年人退而不休放在一个统一的分析框架中,分别考察了健康冲击、新农合以及城镇职工医疗保险对老年人退而不休的影响,并进一步探究了医疗保险对老年人退而不休影响的健康异质性。结果表明:健康冲击对老年人退而不休意愿和劳动时间均有显著正向促进效应,且对劳动时间的影响有明显城乡差异,对农村地区影响更大。新农合会明显激励农村老年人选择退而不休,发生比率提高为未参合时的3.59倍,但会降低劳动时间,全年平均减少了21.21天;而城镇职工医疗保险对老年人退而不休意愿没有显著影响,但会增加劳动时间,全年平均增加了13.92天,且对劳动时间供给更多的个体,其激励效应逐渐减弱。同时,医疗保险对老年人退而不休的影响还存在性别差异,其中新农合对女性退而不休意愿影响更大,但对劳动时间并没有显著的性别差异;而职工医疗保险对女性退而不休意愿、对男性劳动时间影响更大。此外,本文还发现医疗保险对老年人退而不休的影响存在健康异质性,对健康变差的群体影响更大。     

Working Beyond 65: Predictors of Late Retirement for Women and Men MBAs

Comparisons of those who planned to continue working after the age of 65 with those who did not were made for 145 women and 414 men working in managerial fields. All received MBA degrees between the years of 1973 and 1982. About 20% definitely wanted to work after age 65. More positive views of work were predictive of wanting to continue working as was having nontraditional gender-role attitudes. Men who planned to continue working were particularly likely to have a spouse wanting to work past the age of 65. Several other factors appeared to operate differently for women and men.     

退休对男性老年人健康的影响--基于断点回归的实证研究

退休是个体从过去工作生涯中抽身出来的转折点,退休后个人福利的变化是老龄化社会值得关注的问题。基于中国家庭追踪调查（ CFPS）2012年数据,以男性为例采用模糊断点回归的方法识别退休对个体心理、生理健康的因果影响。结果显示,退休对个体的生理健康并没有显著影响,但对其心理健康有显著的正向效应。从影响渠道来看,退休后个体压力减少,认知功能、记忆力以及对生活满意程度提升是导致健康（尤其是心理健康）改善的主要原因。本文的研究为未来退休政策的制定提供参考。     

婚姻、就业及退休对健康影响的性别差异——西方的视角及其研究进展

性别差异既是人群健康差异的重要原因之一,也是人群健康差异的表现维度之一。就业、婚姻和退休是人生的重要环节,也是与成年人生活息息相关的制度安排。无论是职场还是家庭,所有的经济角色都会因性别化的角色期待和角色认知而形成性别差异,该差异会导致健康相关行为的性别差异,从而对两性的健康产生不同的影响。通过梳理国外的相关文献,对该领域的研究成果进行总结回顾,以期为国内的研究提供一些参考。     

美国联邦退休金制度:变迁、管理、启示

美国联邦退休金制度形成于20世纪60年代,目前已成为美国养老保险体系的一个重要支柱,其在资金筹集与运营、退休金计发以及管理责任分担方面的制度安排,启示着我国养老保险制度建设必将是一个渐进而复杂的过程。在这一过程中,养老保险的覆盖范围需不断扩大,养老保险基金运营需科学、规范,并要强化地方政府在养老保险管理中的主体责任。     

Sisters in Later Life: Changes in Contact and Availability

SUMMARY

The strongest of sibling bonds is the relationship between sisters. However, researchers know little about how these relationships change over lime. This study presents a longitudinal examination of structural and contact features of older, rural women's (N = 82) sibling networks. Also, sibling network variables were correlated with measures of subjective well-being. Significant loss of siblings occurred over 12 years. After controlling for proximity, frequency of contact between siblings did not change. Although sisters predominated in sibling networks, proximate brothers were slightly more prevalent and had more frequent contact with the respondents. Associations between sibling variables and subjective well-being were not found. Siblings remain active in the kin networks of women into late old age.     

Creating Retirement Paths: Examples from the Lives of Women

Through in-depth interviews with 40 retired women diverse in age, marital status, ethnicity, income, and occupational background, we explored how women experience retirement. Following our analysis, we identified five retirement pathways: family-focused, service-focused, recreation-focused, employment-focused, and disenchanted retirements. These pathways represent dominant activities and interests at the time the women were interviewed and challenge the cultural portrayal of retirement as an unvarying life stage. The participants' narratives provide a glimpse into the pathways retired women create by revealing the complexity of later life and the changing nature of retirement.     

Maternal Age and Offspring Adult Health: Evidence From the Health and Retirement Study

Advanced maternal age is associated with negative offspring health outcomes. This interpretation often relies on physiological processes related to aging, such as decreasing oocyte quality. We use a large, population-based sample of American adults to analyze how selection and lifespan overlap between generations influence the maternal age?Coffspring adult health association. We find that offspring born to mothers younger than age 25 or older than 35 have worse outcomes with respect to mortality, self-rated health, height, obesity, and the number of diagnosed conditions than those born to mothers aged 25?C34. Controls for maternal education and age at which the child lost the mother eliminate the effect for advanced maternal age up to age 45. The association between young maternal age and negative offspring outcomes is robust to these controls. Our findings suggest that the advanced maternal age?Coffspring adult health association reflects selection and factors related to lifespan overlap. These may include shared frailty or parental investment but are not directly related to the physiological health of the mother during conception, fetal development, or birth. The results for young maternal age add to the evidence suggesting that children born to young mothers might be better off if the parents waited a few years.     

State of Inertia: Psychological Preparation of Single Australian and UK Baby Boomer Women for Retirement Housing Change

The transition into retirement is an important life phase that presents significant challenges in respect to well-being, lifestyle, and consumption choices. This article examines the consumption context of housing after retirement, in particular for the low-resourced cohort of single baby boomer women. Utilizing an extended Theory of Planned Behavior model, we examine the relationship between intention and actual behavior, in this case financial advice seeking, as an important component of the psychological preparedness of single female baby boomer women. Our analysis showed both Australian and UK single baby boomer women display different behaviors in terms of seeking advice and their mental preparedness to adjust to a change in their living arrangements. The findings are discussed in terms of their implications for policy and further research.     

The Homeless Older Woman in Context:

Homelessness has reached crisis proportions and the number of women among the homeless is increasing at higher rates than that of men. A significant proportion of these women are older. Drawing from clinical experience and using supportive empirical data, t h ~psa per will focus upon the significance of family dysfunction and societal factors contributing to homelessness in older women as well as the role of cultural adaptation and the identification of factors which may characterize the pre-homeless state.     

Formerly Homeless,Older Women's Experiences with Health,Housing, and Aging

The perspectives of formerly homeless, older women are absent in the academic literature on aging and homelessness. In this study, a group of formerly homeless women, aged 45 years and older were surveyed (N = 15) and interviewed (n = 11) about their experiences with health, housing, and aging. The qualitative themes to be explored include the women's perceptions of their current health, coping with low incomes, dealing with addictions to alcohol and drugs, and the importance of supportive housing and other community services. The female participants' views on adapting to home, planning for their elderly years, and views on growing older are also explored.     

Current Concepts and Management of Cancer Pain in Older Women

Pain is the most common symptom associated with cancer. Sixty to eighty-five percent of individuals with advanced cancer have pain either of a severe or a chronic nature. Despite the fact that appropriate pain management exists, cancer pain is often inadequately controlled. Management strategies for older cancer patients must address the physical, psychological, and social concerns of the individual. The special problems of drug management presented by older patients reinforces the importance of implementing nonpharmacologic therapies when possible.     

Non-Surgical Cosmetic Procedures: Older Women's Perceptions and Experiences

ABSTRACT

This paper analyzes findings from in-depth interviews with 44 women aged 50–70 regarding their perceptions of and experiences with non-surgical cosmetic procedures such as Botox injections, laser hair removal, chemical peels, microdermabrasion, and injectable fillers. While 21 of the women had used a range of non-surgical cosmetic procedures, 23 women had not. The data are discussed in light of feminist theorizing on cosmetic surgery which has tended to ignore the experiences of older women and has been divided in terms of the portrayal of cosmetic surgery as either oppressive or liberating. We found that some of the women used the procedures to increase their physical attractiveness and self-esteem, others viewed the procedures as excessively risky, and still others argued that the procedures stemmed from the social devaluation of later life. Treatments that involved the alteration of the surface of the body tended to be viewed as less risky than the injection of foreign substances into the body.     

Exploring the Relationship Between Employment History and Retired Women's Social Relationships

This study explores the relationship between retired women's employment history and their social integration and social support networks in retirement. Employment history is defined by former occupation (professional, paraprofessional, nonprofessional) and job continuity (discontinuous and continuous). The sample consists of 330 retired women ranging in age from 50 to 83 years, with diverse occupational histories, who were retired an average of 3.5 years. Results indicate occupational status may influence women's social integration, part-time employment, caregiving tasks, and satisfaction with social support. Continuity of employment appears to only marginally influence social integration with no impact on social support or satisfaction with social support.     

Gender Differences in Mental Health Before and After Retirement:

A longitudinal research design was used to examine the relationship between retirement and mental health among 222 retirees (114 men and 108 women) at three different time periods: (I) at preretirement; (2) six months; and (3) one year later. Gender differences in the expression of symptoms, especially psychological anxiety, drinking problems, and health, were found across all three time periods. Retirement resulted in increases in drinking problems and psychological anxiety for both men and women. Intervention strategies are discussed and recommended based on how retirees experience symptoms. Gerontologists must recognize how significantly gender and retirement impact on the mental health of older persons and consider these factors in their practice.     

The Predictive Validity of Subjective Mortality Expectations: Evidence From the Health and Retirement Study

Several recent studies suggest that individual subjective survival forecasts are powerful predictors of both mortality and behavior. Using 15 years of longitudinal data from the Health and Retirement Study, I present an alternative view. Across a wide range of ages, predictions of in-sample mortality rates based on subjective forecasts are substantially less accurate than predictions based on population life tables. Subjective forecasts also fail to capture fundamental properties of senescence, including increases in yearly mortality rates with age. To shed light on the mechanisms underlying these biases, I develop and estimate a latent-factor model of how individuals form subjective forecasts. The estimates of this model’s parameters imply that these forecasts incorporate several important sources of measurement error that arguably swamp the useful information they convey.     

Older Women's Body Image and Embodied Experience: An Exploration

ABSTRACT

This paper presents and analyzes findings from unstructured interviews with women aged 61 to 92 regarding their perceptions and feelings about their aging bodies. The data are discussed in light of the existing literature on women's body image which has largely ignored the experiences of women in later life and which has tended to focus on adolescent and middle-aged women. Given the fact that beauty is equated with youthfulness and thinness in our society, older women face unique challenges as they strive to construct and maintain positive evaluations of self. The women in the study exhibit the internalization of ageist beauty norms even as they assert that health is more important to them than physical attractiveness and comment on the ‘naturalness’ of the aging process.