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Do Late-Career Wages Boost Social Security More for Women than Men?

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Any worker who delays claiming Social Security receives a larger monthly benefit due to the actuarial adjustment. Some claimants – particularly women, who are more likely to take time out of the labor force earlier in their careers – further increase their benefit if the extra years of earnings raise their career average earnings by displacing lower-earning years. This study uses the Health and Retirement Study (HRS) linked to earnings records to quantify the impact of women’s late-career earnings on Social Security benefits relative to men’s and, among women, by marital status and education.

Publications

Cheerful senior man at home looking at his mail

Do Late-Career Wages Boost Social Security More for Women than Men?

Working Paper by Matthew S. Rutledge and John E. Lindner

November 2, 2016
Sponsor
U.S. Social Security Administration
Fiscal Year Awarded
2016
Project Code
BC16-Q2
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