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Evidence also indicates that the remarriage rate has decreased, and dissolution of second marriages has risen Cherlin ; Norton and Miller Acknowledgments: The author thanks David Weaver for suggestions on earlier versions of this paper.
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Studies that do focus on older adults tend to lump the unmarried widowed, divorced, and never-married into a single category. The findings and conclusions presented in the Bulletin are those of the authors and do not necessarily represent the views of the Social Security Administration.
Sexual orientation and gender identity, however, are not protected under federal lending laws. A moderate-to-strong relationship has been found between marital status and an individual's economic resources Waite and Gallagher ; Wilmonth marrid Koso as well as health profile Schoenborn Marital history also determines eligibility for Social Security benefits for spouses and survivors, which can represent an important source of retirement income, especially for widowed women.
When same-sex couples were approved for a mortgage, they were offered inferior terms and paid, on average, 0.
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In "Does Marriage Matter? The first section of the article, based on data from the Current Population Survey and a review of the academic literature, examines the current circumstances of never-married retirees, particularly characteristics of their economic and health well-being. University of Massachusetts Amherst economist and author M.
LGBT older people are particularly vulnerable to financial insecurity persona to employment concerns, a lifetime of discrimination and smaller support networks. One found that 15 percent of same-sex couples encountered discrimination when trying to rent or buy a home. Over the past several decades, a convergence of economic, demographic, and social changes has given rise to dramatic changes in marital trends in the United States.
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The projected growth of never-married retirees raises a of important issues for retirement policy. However, a comparatively small amount of jarried literature has focused specifically on the elderly population and differences among the unmarried elderly—individuals who have never married or are divorced or widowed—are even less examined.
Peraonal purpose is to assess how never-married persons fare during retirement—at present and as the large baby-boom generation retires. The author also thanks reviewers and the editor for helpful comments.
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But companies that venture beyond this narrow definition of diversity reap even larger rewards. With that said, our understanding of the links between marital status and retirement outcomes remains limited. Doing so provides a more complete portrait of the never-married than is typically presented in the literature. This article focuses on a growing Hot women in Iowa City understudied subgroup of the elderly in the United States: the never-married, meaning persons who have never been legally married or whose marriages ended in annulment.
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Future never-married retirees, according to MINTare expected to have the highest elderly poverty rate among marital groups. Research suggests that unmarried older adults are generally at a disadvantage compared with married persons, in terms of economic security but also in health areas Lillard and Panis ; Find Manzanita and Koso ; Keith To personsl addressing this issue, temale evidence about the never-married is assessed across two dimensions of well-being: economic and health.
Divorce rates surged in the s and s, the age of first marriage has risen, and the of persons never marrying has increased Ruggles ; Goldstein ; Goldstein and Kenney ; Kreider ; Harrington Meyer, Wolf, and Himes Among the unmarried, women who are widowed Morgan ; Weaver or divorced Weaver ; Butrica and Iams have received the majority of attention, while the Hot local women in Shiro Texas are often overlooked.
Along this line, existing evidence indicates that marital status can influence retirement timing Morgan ; Gustman and Steinmeier ; Pienta and Haywardthe economic resources available to older adults Butrica and Iamsas well as their health condition Lillard and Panis MINT projections indicate important changes in the marital composition of future retirees marked by a rising proportion of never-married persons entering retirement age.
In addition to the ethical and moral obligations we have as individuals, we, as a country, discriminate against this community of entrepreneurs — job creators, taxpayers, essential service providers — at our peril.
Much of the research is based on samples of the working-age population. Summary and Introduction Understanding how marital patterns affect the Social Security program and its beneficiaries has become an important marriee and academic focus.
Although frequently overlooked in policy and academic discussions, never-married retirees make up a noteworthy share of the U. According to U.
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Finally, this study calls attention to heterogeneity among the never-married elderly. In addition, a review of existing studies suggests that never-married persons are more likely to have health risks during retirement that are greater than those of married persons and the national average.
Because Social Security spousal and survivor benefits are determined by marital history, changes persona, marital trends can have important implications for Social Security program costs and distributional outcomes among its beneficiaries. At least two very different population segments exist among the never-married: one with greater than average economic resources and educational attainment and another with little economic resources and educational attainment.
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And in the past year alone, 30 percent of transgender househunters reported that they had experienced housing discrimination. Their findings, published by the National Academy of Sciences journalrevealed that same-sex couples were 73 percent more likely to be denied a mortgage than financially similar heterosexual couples. These data are exceptionally useful for analyzing and projecting changes in the marital status composition of the population at retirement age, the demographics of future never-married retirees, and economic well-being poverty rate, income distribution, and welfare ratio of never-married retirees.
Put together, these trends suggest that a rising share of unmarried people will be entering retirement age in the near future. The highlight important links between marital trends, Social Security, and retirement outcomes and offer insight into some of the characteristics of current and future never-married retirees.