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The first wave of the 78 million member baby boom generation is now reaching retirement age. The number of people age 62, the earliest age of eligibility for Social Security retired worker benefits, is expected to be 21 percent higher in 2009 than in 2008. In addition, by 2030, the number of workers supporting each retiree is projected to be 2.2, down from 3.3 in 2006. This demographic shift poses challenges to the economy, federal tax revenues, the nation's old-age programs, and individuals' financial security in retirement. For those who are able to work longer, later retirement can strengthen the economy and also retiree incomes by postponing the time at which people will start drawing retirement benefits rather than working. A wide range of factors including the features of employers' benefit plans, personal finances, social norms, health, and individual attitudes influence workers' decisions about when to retire. Federal policies may also play a role: these include Social Security, Medicare, and tax policies related to certain private retiree health and defined benefit (DB) and defined contribution (DC) pension plans.1 Identifying both the incentives posed by these policies and the extent to which workers respond to them can help to inform policy makers as they consider ways to address the demographic challenges facing the nation. To determine the extent to which federal policiesdirectly and indirectly-pose incentives and are influencing individuals decisions about the age at which they retire, the authors have pursued the following questions: (1) What incentives do federal policies provide about when to retire? (2) What are the recent retirement patterns, and is there evidence that recent changes in Social Security requirements have resulted in later retirements? (3) Is there evidence that tax-favored private retiree health insurance and pension benefits have influenced when people retire? This is a revised and excerpted version.
Today, more American women than ever before stay in the workforce into their sixties and seventies. This trend emerged in the 1980s, and has persisted during the past three decades, despite substantial changes in macroeconomic conditions. Why is this so? Today’s older American women work full-time jobs at greater rates than women in other developed countries. In Women Working Longer, editors Claudia Goldin and Lawrence F. Katz assemble new research that presents fresh insights on the phenomenon of working longer. Their findings suggest that education and work experience earlier in life are connected to women’s later-in-life work. Other contributors to the volume investigate additional factors that may play a role in late-life labor supply, such as marital disruption, household finances, and access to retirement benefits. A pioneering study of recent trends in older women’s labor force participation, this collection offers insights valuable to a wide array of social scientists, employers, and policy makers.
Mirroring a worldwide phenomenon in industrialized nations, the U.S. is experiencing a change in its demographic structure known as population aging. Concern about the aging population tends to focus on the adequacy of Medicare and Social Security, retirement of older Americans, and the need to identify policies, programs, and strategies that address the health and safety needs of older workers. Older workers differ from their younger counterparts in a variety of physical, psychological, and social factors. Evaluating the extent, causes, and effects of these factors and improving the research and data systems necessary to address the health and safety needs of older workers may significantly impact both their ability to remain in the workforce and their well being in retirement. Health and Safety Needs of Older Workers provides an image of what is currently known about the health and safety needs of older workers and the research needed to encourage social polices that guarantee older workers a meaningful share of the nation's work opportunities.
Your organization needs older workers more than ever: They transfer knowledge between generations, transmit your company's values to new hires, make excellent mentors for younger employees, and provide a "just in time" workforce for special projects. Yet more of these workers are reporting to people younger than they are. This presents unfamiliar challenges that--if ignored--can prevent you from attracting, retaining, and engaging older employees. In Managing the Older Worker, Peter Cappelli and William Novelli explain how companies and younger managers can maximize the value provided by older workers. The key? Recognize that boomers' needs differ from younger generations - and adapt your management practices accordingly. For instance: · Lead with mission: As employees age, they become more altruistic. Emphasize the positive impact of older workers' efforts on the world around them. · Forge social connections: Many older employees keep working to maintain social relationships. Offer tasks that require interaction with others. · Provide different benefits: Tailor benefits--such as elder-care insurance programs or discount medication--to older workers' interests. Drawing on research in management, psychology, and other disciplines, Managing the Older Worker reveals who your older workers are, what they want, and how to manage them for maximum value.
The fraction of the population over age sixty-five in many developed countries is projected to rise, in some cases sharply, in coming decades. This has drawn growing interest to research on the health and economic circumstances of individuals as they age. Many individuals are retiring from paid work, yet they are living longer than ever. Their well-being is shaped by their past decisions such as their saving behavior, as well as by current and future economic conditions, health status, medical innovations, and a rapidly evolving landscape of policy incentives and supports. The contributions to Insights in the Economics of Aging uncover how financial, physical, and emotional well-being are integrally related. The authors consider the interactions between financial circumstances in later life, such as household savings and home ownership, physical circumstances such as health and disability, and emotional well-being, including happiness and mental health.
"The forces driving the first decades of the 21st century--globalization, technology, and unprecedented wealth mixed with jarring economic instability--are pushing the day of retirement later and later in life. The era of the aging worker is here. From the rice paddies of Japan to the heart of the American rust-belt, veteran international correspondent Joseph Coleman takes readers inside the lives of aging workers, exploring the factories, offices, and fields where they toil and the societies in which they live, giving the reader a front-row seat to the global older worker revolution. Profiles of individuals bring to life Coleman's exploration of how the United States--along with many countries around the world--deal with the rise of aging workforces. Throughout these stories, the author gives advice on how societies can best benefit from and assist their increasingly older population. Readers will come to know: --Michel Wattree, a retired French trucker who has found a second life as an elementary school bus driver and still nurses dreams of driving America's storied Route 66. --The aging crew of Japan's Yamashita Kogyosho, where for half a century they have crafted the world's fastest trains with their bare hands and hammers, exemplifies Japan's adaptive employment strategies that have helped the country deal with one of the oldest demographic compositions in the world. --Rita Hall, an unemployed hospital worker from Akron, Ohio, who hopes that a job training program will save her from spending the rest of her golden years in poverty-a fear shared by many who will far outlive their retirement savings. Amidst the stories of how these works are working hard to adapt, Unfinished Work probes the struggles of companies either unable or unwilling to accommodate the aging of their workforces and the quandaries of governments and policymakers eager to control pension pay-outs to retiring boomers, yet unsure how to keep them on the job. What emerges is a compassionate but clear-eyed portrait of a world in themidst of a slow-motion aging revolution that will have vast consequences for present and coming generations"--
A timely overview of European employers' attitudes toward older workers, this book closely analyzes the Dutch experience and comparative examples drawn from a range of other countries. Wieteke Conen demonstrates that across Europe, and especially in the Netherlands, employers tend to blame higher labor costs and lower productivity on an aging workforce. As a result, they avoid hiring and--in some cases--retaining older workers, eschewing other strategies that might help bridge the perceived gap between costs and productivity. Exploring some of these alternative strategies, Older Workers reveals how employers and the government could increase labor force participation among this growing population.
This timely volume provides an up-to-date and comprehensive summary about what is known about aging and work and addresses the challenges and opportunities confronting older workers and organizations. The authors describe current and emerging topics related to work and aging adults such as working in teams, the increasing diversity of the labor force, work and caregiving, the implications of technology for an aging workforce, and health and wellness issues. The authorship is international; the authors are renowned for their respective work in the topical areas and represent a broad range of disciplines within academia, as well as offer perspectives from government and policy. Jobs, organizations, the labor market, and the workforce are experiencing dramatic change. Workers of all ages, including older workers, need to interact with the wide variety of ubiquitous technologies that are reshaping work processes, job content, work settings, communication strategies, and the delivery of training, and this book aims to update readers on the particular issues facing today’s aging adults in the workplace. The chapters’ broad and inclusive scope encompasses: Workplace aging and jobs in the 21st century The retirement income security outlook for older workers Population aging, age discrimination, and age discrimination protections Older workers and the contemporary labor market The role of aging, age diversity, and age heterogeneity within teams The intersection of family caregiving and work Current and Emerging Trends in Aging and Work is relevant to a broad audience of academic researchers, practitioners, and students in psychology, sociology, management, engineering (industrial and human factors), the health sciences, gerontology/geriatrics, and public health. It is also a useful resource for government and policy leaders, as well as workers and managers in the public and private sectors.