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However, among older women, those who are divorced have dramatically lower incomes and higher poverty rates than widows and most other Social Security beneficiaries Weaver Older women are much more likely to be married or widowed than they are to be divorced or never married. Recent trends suggest that those proportions could change in the future.

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Projected Marital Status Over time, the percentage of year-old women who are married is projected to remain constant; however, the composition of their nonmarried counterparts is expected to change dramatically.

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The share of those who remained married at their tenth anniversaries declined from We separately analyze four year birth cohorts we label war babies born —leading boomers born —trailing boomers born —and GenX ers womwn — However, the distribution of year-old women by marital status is expected to change in later cohorts Big tits on st Hunt Valley life expectancies rise and greater percentages of older women never marry or divorce and never remarry.

Projected Marital Status Over time, the percentage of year-old women who are married is projected to remain constant; however, the composition of their nonmarried counterparts is expected to change dramatically.

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Older women are ghy more likely to be married or widowed than they are to be divorced or never married. However, the distribution of year-old women by marital status is expected to change in later cohorts as life expectancies rise and greater percentages of older women never marry or divorce and never remarry.

Because of the legislated increase in the full retirement age, the increase in the delayed retirement credit, the elimination of the retirement earnings test after reaching full retirement age, and changes in pension and health insurance incentives, older adults are increasingly likely to work into their late 60s. After falling slightly, rates leveled off in the mids; but in a historical context, they were still relatively high Ahlburg and De Vita ; DaVanzo and Rahman ; Goldstein ; Norton and Miller ; Stevenson and Wolfers Opder individuals born from throughMINT 6 projects each person's marital changes, Jacksonville backpage sting, entry to and exit from Social Security Disability Insurance rolls, and age at first receipt of Social Security retirement benefits.

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Although the divorce rate has leveled off and may even have begun to reverse NCHS ; Stevenson and Wolfers ; Tejada-Vera and Suttonthe characteristics of divorce have been changing. A person with a marriage that ended in widowhood is also eligible if the spouse was fully insured.

MINT 6 also s for major changes in the growth of economy-wide real earnings, the distribution of earnings both between and within birth cohorts, and the composition of the Alberta mix population. Older women are much more likely to be married or widowed than they are to be divorced or never married. In particular, divorced guh who receive only retired-worker benefits are a diverse group.

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Others will have earnings histories that will qualify them for basic retired-worker benefits that are greater than one-half of their ex-husbands' basic retired-worker benefits. We report all income projections in price-adjusted dollars.

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Then, we describe the projected benefit type of divorced women, ing for changing trends in marital status and earnings of all marital partners. However, among older women, those who are divorced have dramatically lower incomes and higher poverty rates than widows and most other Social Security beneficiaries Weaver As a result, future cohorts of year-old nonmarried women are most likely to be divorced. Because divorced retirees might receive Social Security divorced-spouse benefits, widow benefits, or neither, a divorced woman's marital status does not necessarily reflect the type of benefit she is eligible to receive Weaver ; yet the type of benefit she receives will dramatically affect her economic well-being in retirement.

If she is Cougar porn site entitled to a retired-worker benefit, she receives the full auxiliary benefit as a divorced spouse, surviving divorced spouse, or widow beneficiary. The share of those who remained married at their tenth anniversaries declined from MINT 6 projects increases in the shares who are divorced and never married, and a decline in the share who are widowed.

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We exclude divorced women who are projected to ever receive Social Security disability benefits. Retired-worker benefits are computed by wage indexing annual Fort Worth Texas run nsa chick over a divorced woman's working life, then calculating her average indexed monthly earnings AIME to determine her primary insurance amount PIA —the benefit payable at the full retirement age, which currently is They can also receive widow benefits from a fr marriage that ended in widowhood.

Thus, divorced women receive Social Security benefits oleer as retired workers, divorced spouses, or surviving divorced spouses. Auxiliary benefits are computed for each eligible marriage reported by a divorced woman. That group is projected to represent one in four divorced women in the GenX cohorts, and is expected to have the highest retirement incomes and lowest poverty rates among all divorced women. We find that Social Security benefits and retirement incomes are projected to increase for future divorced women and that their poverty rates are projected to decline, due in large part to women's increasing lifetime earnings.

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MINT 6 projects increases in the shares who are divorced and never married, and a decline in the share who are widowed. Divorced women with 40 or more quarters of coverage over their work lives are considered fully insured and may receive retired-worker benefits.

As a result, future cohorts of year-old nonmarried women are most likely to be divorced. MINT 6 projects their income and characteristics into the future, adjusting for expected demographic and socioeconomic changes.

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We find that Social Security benefits and retirement incomes are projected to increase for future divorced women and that their poverty rates are projected to decline, due in large part to women's increasing lifetime earnings. If she is entitled to a retired-worker benefit that Arentina men less than the auxiliary benefit, she is "dually entitled" and SSA supplements her retired-worker benefit with the difference between her retired-worker benefit and the full auxiliary benefit to which she would be entitled.

Because of the legislated increase in the full retirement age, the increase in the delayed retirement credit, the elimination of the retirement earnings test after reaching full retirement age, and changes in pension and health insurance incentives, older adults are increasingly likely to work into their late 60s. This article considers how divorced women's projected retirement incomes, Social Security benefits, and poverty rates vary by benefit type. Finally, we describe the projected poverty status of divorced women by benefit type and cohort.

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A of studies have already documented the potential effect of divorce and marriage trends on Social Security benefits for future women retirees Butrica and Iams ; Harrington Meyer, Wolf, and Himes ; Tamborini and Whitman ; Tamborini, Iams, and Whitman Hotel hosting m These divorce and marriage-duration trends suggest that, over time, increasing proportions of women will be divorced when they reach retirement, which has implications for their retirement security generally and their Social Security benefits specifically.

A of studies have already documented the potential effect of divorce and marriage trends on Social Security benefits for future women retirees Butrica and Iams ; Harrington Meyer, Wolf, and Himes ; Tamborini and Whitman ; Tamborini, Iams, and Whitman Recent trends suggest that those proportions could change in the future. Because divorced retirees might receive Social Security divorced-spouse benefits, widow benefits, or neither, a divorced woman's marital status does not necessarily reflect the type of benefit she is eligible to receive Weaver ; yet the type of benefit she receives will dramatically affect her economic well-being in retirement.

Although she describes herself as divorced, at retirement she may receive a divorced spouse benefit, surviving divorced spouse benefit, or widow benefit from Social Security. Next, we describe the projected average monthly Social Security benefit of divorced women by benefit type.

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Likewise, for a marriage that ended in widowhood, the auxiliary benefit also known as a widow benefit is effectively equal to the deceased husband's full PIA. Finally, if she is entitled to a retired-worker benefit that exceeds the auxiliary benefit, she receives only the retired-worker benefit. Furthermore, a divorced woman with multiple marriages could receive an auxiliary benefit from any of her Swinger groups copperas cove tx spouses.

Among first marriages, the share of women who were still married at their fifth anniversary declined from All these factors will affect the retirement incomes of future retirees. We report all income projections in price-adjusted dollars.