Who Foregoes Survivor Protection in Employer-Sponsored Pension Annuities? | Zendy

Wayne Johnson | Zendy; Cori E. Uccello | Zendy; Joshua H. Goldwyn | Zendy

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Who Foregoes Survivor Protection in Employer-Sponsored Pension Annuities?

Author(s) -

Wayne Johnson,

Cori E. Uccello,

Joshua H. Goldwyn

Publication year - 2005

Publication title -

the gerontologist

Language(s) - English

Resource type - Journals

SCImago Journal Rank - 1.524

H-Index - 138

eISSN - 1758-5341

pISSN - 0016-9013

DOI - 10.1093/geront/45.1.26

Subject(s) - pension , spouse , annuity , life annuity , actuarial science , health and retirement study , payment , quarter (canadian coin) , economics , business , labour economics , demographic economics , finance , gerontology , medicine , political science , law , archaeology , history

Retirees in traditional pension plans must generally choose between single life annuities, which provide regular payments until death, and joint and survivor annuities, which pay less each month but continue to make payments to the spouse after the death of the retired worker. This article examines the payout decision and measures the share of married retirees with pension annuities who forego survivor protection.

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