What question did this study set out to answer?

This research aims to explore how income inequalities by race/ethnic origin impact retirement decisions among older individuals.

May 16, 2026AEA Papers and Proceedings

Social Security and Retirement of Older Blacks and Hispanics

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Authors

EAEmma AguilaUniversity of Southern California ZLZeewan LeeNational University of Singapore

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Implication

Analysis reveals income inequalities affect retirement choice differently in older Blacks and Hispanics, suggesting targeted interventions are needed.

Key Points

This research aims to explore how income inequalities by race/ethnic origin impact retirement decisions among older individuals.
Utilized Health and Retirement Study data from 2000–2020 linked to Social Security Administration records.
Calculated Social Security wealth accounting for earnings histories, employment gaps, and survival probabilities.
Analyzed racial/ethnic differences in retirement responses using statistical methods.
Social Security wealth encourages retirement among Blacks and Whites, but shows limited influence for Hispanics.
Identified that labor market barriers and discrimination may affect Black and Hispanic responses to retirement determinants.
Emphasized the need for separate analyses by race/ethnic origin to better understand differences in retirement behavior.

Cite This Study

Aguila et al. (2026) studied this question.

synapsesocial.com/papers/6a0809f1a487c87a6a40bc28 https://doi.org/10.1257/pandp.20261126

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Implication

Analysis reveals income inequalities affect retirement choice differently in older Blacks and Hispanics, suggesting targeted interventions are needed.

Social Security and Retirement of Older Blacks and Hispanics

Discussion

Member takes

Implication

Key Points

Cite This Study

Social Security and Retirement of Older Blacks and Hispanics

Discussion

Member takes

Implication

Key Points

Cite This Study

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