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Intro -- CHALLENGES WOMEN FACE IN RETIREMENT SECURITY -- CHALLENGES WOMEN FACE IN RETIREMENT SECURITY -- LIBRARY OF CONGRESS CATALOGING-IN-PUBLICATION DATA -- CONTENTS -- PREFACE -- Chapter 1: TESTIMONY OF JEAN CHATZKY, BEFORE THE SPECIAL COMMITTEE ON AGING, UNITED STATES SENATE,MARCH 15, 2006 -- Chapter 2: TESTIMONY OF SARA COLE HART, BEFORE THE UNITED STATES SENATE SPECIAL COMMITTEE ON AGING, MARCH 15, 2006 -- REVIEW OF THE REASONS WOMEN ARE MORE LIKELY TO END THEIR LIFE IN A STATE OF POVERTY -- RECOMMENDATIONS FOR SOLUTIONS TO THE PENSION CRISIS FACED BY WOMEN -- REFERENCES -- Chapter 3: TESTIMONY OF M. CINDY HOUNSELL, WOMEN'S INSTITUTE FOR A SECURE RETIREMENT, BEFORE THE SENATE SPECIAL COMMITTEE ON AGING, HEARING ON WOMEN'S RETIREMENT INCOME, MARCH 15, 2006 -- INTRODUCTION -- A COMING CRISIS -- THE REASONS WOMEN FACE RETIREMENT INCOME INSECURITY -- WHAT POLICYMAKERS CAN DO -- PROPOSED SOLUTIONS:WHAT EMPLOYERS CAN DO -- WHAT WOMEN CAN DO: FIVE IMPORTANT STEPS WOMEN CAN TAKE -- IF WE DON'T ACT -- CONCLUDING REMARKS -- REFERENCES -- Chapter 4: TESTIMONY OF KARYNE JONES, PRESIDENT AND CHIEF EXECUTIVE OFFICER, THE NATIONAL CAUCUS AND CENTER ON BLACK AGED, INC.,BEFORE THE SENATE SPECIAL COMMITTEE ON AGING,MARCH 15, 2006, DIRKSEN SENATE OFFICE BUILDING* -- THE SPECIAL CHALLENGES OF WOMEN IN PREPARING FOR FINANCIAL SECURITY IN RETIREMENT -- POLICY REFORMS -- Chapter 5: SENATE SPECIAL COMMITTEE ON AGING, BRIDGING THE GENDER GAP: ELIMINATING RETIREMENT INCOME DISPARITY FOR WOMEN, TESTIMONY OF BARBARA KENNELLY, PRESIDENT, NATIONAL COMMITTEE TO PRESERVE SOCIAL SECURITY AND MEDICARE, MARCH 15, 2006 -- Chapter 6: STATEMENT OF SENATOR HERB KOHL -MARCH 15, 2006, "BRIDGING THE GENDER GAP: ELIMINATING RETIREMENT INCOME DISPARITY FOR WOMEN"*.
Chapter 7: STATEMENT OF CHAIRMAN GORDON H. SMITH, U.S. SENATE SPECIAL COMMITTEE ON AGING, "BRIDGING THE GENDER GAP: ELIMINATING RETIREMENT INCOME DISPARITY FOR WOMEN", MARCH 15, 2006 -- Chapter 8: WRITTEN STATEMENT FOR THE U.S. SENATE SPECIAL COMMITTEE ON AGING, HEARING ON BRIDGING THE GENDER GAP: ELIMINATING RETIREMENT INCOME DISPARITY FOR WOMEN, MARCH 15, 2006, "GENDER DISPARITIES IN RETIREMENT SECURITY" -- INTRODUCTION -- OVERVIEW OF GENDER DISPARITIES IN CURRENT RETIREE INCOME SOURCES -- GENDER DISPARITIES IN RETIREMENT PROGRAM PARTICIPATION AMONG CURRENT WORKERS -- INCREASING IMPORTANCE OF INDIVIDUAL ACCOUNT PLANS FOR FUTURE RETIREMENT INCOME SECURITY -- RETIREMENT INCOME ADEQUACY -- RESULTS -- REFERENCES -- Chapter 9: WHAT EVERY WOMAN SHOULD KNOW -- WHAT SOCIAL SECURITY MEANS TO YOU -- YOUR SOCIAL SECURITY RECORD AND NUMBER -- IF YOU CHANGE YOUR NAME -- IF YOU ARE A VICTIM OF FAMILY VIOLENCE -- SOCIAL SECURITY NUMBERS FOR CHILDREN -- WHAT YOUR SOCIAL SECURITY TAXES PAY FOR -- SOME SPECIAL EMPLOYMENT SITUATIONS -- WHEN YOU RETIRE -- IF YOU BECOME DISABLED -- WHEN YOU ARE READY TO APPLY -- BENEFITS FOR YOUR FAMILY -- IF YOU SHOULD DIE -- IF YOU HAVE INCOME FROM A GOVERNMENT PENSION -- IF YOU HAVE NOT WORKED OR DO NOT HAVE ENOUGH SOCIAL SECURITY CREDITS -- IF YOU BECOME A WIDOW -- IF YOU ARE DIVORCED -- IF YOU HAVE LIMITED INCOME -- IF YOU ARE A CAREGIVER -- PROTECTION OF PERSONAL INFORMATION -- MORE INFORMATION -- Chapter 10: WOMEN AND RETIREMENT SAVINGS -- DO YOU KNOW? -- START HERE...START NOW -- IT'S UP TO YOU -- RESOURCES -- Chapter 11: RETIREMENT SECURITY: WOMEN FACE CHALLENGES IN ENSURING FINANCIAL SECURITY IN RETIREMENT -- WHAT GAO FOUND -- WHY GAO DID THIS STUDY -- ABBREVIATIONS -- RESULTS IN BRIEF -- BACKGROUND -- WOMEN HAVE LESS RETIREMENT INCOME THAN MEN LARGELY BECAUSE OF DIFFERENCES IN LABOR FORCE PARTICIPATION AND LIFETIME EARNINGS.
CERTAIN LIFE EVENTS MAY REDUCE WOMEN'S RETIREMENT RESOURCES MORE THAN MEN'S -- SPECIFIC CHANGES TO SOCIAL SECURITY AND EMPLOYER SPONSORED PENSIONS WILL AFFECT WOMEN DIFFERENTLY THAN MEN BECAUSE OF DIFFERENCES IN LIFETIME WORK HISTORIES -- IMPLEMENT DEPENDENT CARE CREDITS -- INCREASE MINIMUM BENEFIT -- INCREASE SURVIVOR BENEFITS -- REDUCE SPOUSAL BENEFITS AND INCREASE SURVIVOR BENEFITS -- REDUCE DURATION OF MARRIAGE REQUIREMENT FOR DIVORCED SPOUSE BENEFIT ELIGIBILITY -- LOWERING VESTING REQUIREMENTS -- AUTOMATIC ROLLOVER UPON LEAVING EMPLOYMENT PRIOR TO RETIREMENT AGE -- CONCLUDING OBSERVATIONS -- AGENCY COMMENTS -- APPENDIX I: METHODOLOGY -- ASSUMPTIONS AND LIMITATIONS -- DESCRIPTION OF SIMULATED SOCIAL SECURITY MODIFICATIONS -- DESCRIPTION OF SIMULATED PENSION MODIFICATIONS -- DATA RELIABILITY -- BENCHMARK POLICY SCENARIOS -- APPENDIX II: SIMULATION RESULTS FOR SOCIAL SECURITY MODIFICATIONS -- APPENDIX III: LOW BENEFIT AVOIDANCE RATES -- APPENDIX IV: EFFECT OF SIMULATED REFORM ON SOCIAL SECURITY SYSTEM SOLVENCY -- REFERENCES -- INDEX.
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Challenges women face in retirement security [[electronic resource] /] / Jean B. Larou, editor
