Skip to content
CRR logo
Submit Search
Join E-mail List | Contact Us
  • Topics
  • Publications
  • Initiatives
  • Data
  • Sponsors
  • Opportunities
  • About Us
  • Search

Employment, Social Security, and Future Retirement Outcomes for Single Mothers

July 1, 2003
Share
Mobile Share Email Facebook Bluesky Twitter LinkedIn

Working Paper by Richard W. Johnson, Melissa M. Favreault, and Joshua H. Goldwyn

Abstract

Employment rates for single mothers with dependent children have risen steadily in recent years, due in part to welfare reform and expansions in the Earned Income Tax Credit. This paper examines this recent increase and analyzes the implications for future retirement security. The results show that increases in employment and earnings for single mothers during the late 1990s will translate into modestly higher Social Security benefits and better retirement outcomes when they reach later life, assuming these trends persist. Despite this improvement, however, most single mothers will continue to fare worse in retirement than other women, primarily because they generally earned low wages throughout their working lives and many lack financial support from spouses.

Social Security Card: Senior woman holding card in hand on white background
Social Security Card: Senior woman holding card in hand on white background
Author(s)
Headshot of Richard W. Johnson
Richard W. Johnson
Headshot of Melissa M. Favreault
Melissa M. Favreault
Headshot of Joshua H. Goldwyn
Joshua H. Goldwyn
Downloads
PDF Version
Executive Summary
Citation

Johnson, Richard W., Melissa M. Favreault, and Joshua H. Goldwyn. 2003. "Employment, Social Security, and Future Retirement Outcomes for Single Mothers" Working Paper 2003-14. Chestnut Hill, MA: Center for Retirement Research at Boston College.

Copy citation to clipboard
Associated Project(s)
  • BC02-13
Topics
Social Security
Publication Type
Working Paper
Publication Number
WP#2003-14
Sponsor
U.S. Social Security Administration
Related Articles
President Trump signing legislation at his desk

Trump’s Policies Are Undermining Retirement Security

MarketWatch Blog by Alicia H. Munnell

April 7, 2025
payment due

Workers on Federal Disability Often Exceed Earnings Cap

Squared Away Blog by Kimberly Blanton

February 13, 2025
Wooden blocks knocking into a man

Ordinary Lives: Insurance and Savings in America, 1861 to 1941

Working Paper by Vellore Arthi, Gary Richardson, and Mark Van Orden

January 15, 2025

Support timely research that informs real-world solutions.

About us
Contact
Join e-mail list
Facebook Bluesky Twitter LinkedIn Instagram YouTube RSS

© 2025 Trustees of Boston College, Center for Retirement Research|Terms of Use|Privacy Policy|Accessibility

This website uses cookies to improve your experience. We also use IP addresses, domain information and other access statistics to administer the site and analyze usage trends. If you prefer to opt out, you can select Update settings. Read our Privacy Policy. Accept
Privacy & Cookies Policy

Privacy Overview

This website uses cookies to improve your experience while you navigate through the website. Out of these cookies, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies. But opting out of some of these cookies may have an effect on your browsing experience.
Necessary
Always Enabled
Necessary cookies are absolutely essential for the website to function properly. This category only includes cookies that ensures basic functionalities and security features of the website. These cookies do not store any personal information.
Non-necessary
Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. It is mandatory to procure user consent prior to running these cookies on your website.
SAVE & ACCEPT