Fun With Numbers: Disclosing Risk To Individual Investors,
2011
University of Massachusetts Boston
Fun With Numbers: Disclosing Risk To Individual Investors, Christian A. Weller
Gerontology Institute Publications
This paper discusses the need for better information on investment risks. The information should be relevant, concise, and accessible to individual investors. More and better information on factors that are likely to influence an investment’s performance and investors’ decisions should eventually lead to better investment decisions – more savings and higher retirement incomes. This paper presents a number of ways to disclose risk to individual investors. There are three numerical and three visual representations to risk. The discussion centers on the pros and cons of each risk representation. All risk descriptions show relevant information, are concise, and more or less …
The "Current Monthly Income" Debate: Unemployment Compensation As A "Benefit Received Under The Social Security Act"?, 44 J. Marshall L. Rev. 801 (2011),
2011
UIC School of Law
The "Current Monthly Income" Debate: Unemployment Compensation As A "Benefit Received Under The Social Security Act"?, 44 J. Marshall L. Rev. 801 (2011), Brent Wilson
UIC Law Review
No abstract provided.
Massachusetts State Public Worker Retirees: How Are They Doing?,
2011
University of Massachusetts Boston
Massachusetts State Public Worker Retirees: How Are They Doing?, Ellen A. Bruce, Lauren A. Martin
Gerontology Institute Publications
Although much has been made of the Massachusetts State Retirement System’s funding and abuses, little has been written about the benefits it provides. A retirement system should be judged first on whether it meets its goal of providing for workers in retirement.
A Primer On The History And Proper Drafting Of Qualified Domestic-Relations Orders,
2011
University of Arkansas at Little Rock William H. Bowen School of Law
A Primer On The History And Proper Drafting Of Qualified Domestic-Relations Orders, Terrence Cain
Law Faculty Scholarship
The divorce rate in the United States is slightly more than one-half the marriage rate. Divorce is a fact of life in this country, and will likely be so for the foreseeable future. On August 23, 1984, the divorce lawyer’s job got more complicated when Congress created the Qualified Domestic Relations Order ("QDRO") as part of some significant amendments to ERISA. QDROs are necessary because before those 1984 ERISA amendments, a lot of divorced persons discovered that they could be deprived of their marital or community property interest in their former spouses' retirement plans. For most divorcing couples, the two …
Longevity Policy: Facing Up To Longevity Issues Affecting Social Security, Pensions, And Older Workers,
2011
Pension Policy Center
Longevity Policy: Facing Up To Longevity Issues Affecting Social Security, Pensions, And Older Workers, John A. Turner
Upjohn Press
Turner argues that public policy should recognize longevity policy as a distinct policy area. Rather than separately treating issues raised by life expectancy (e.g., Social Security, pensions, older workers), a unified approach should be developed that recognizes their interrelationship.
The Transformation Of The American Pension System: Was It Beneficial For Workers?,
2011
New York University
The Transformation Of The American Pension System: Was It Beneficial For Workers?, Edward N. Wolff
Upjohn Press
The share of Americans with defined contribution pension plans now exceeds the share of those with defined benefit plans. Wolff refers to this as the "great transformation" and it leads him to examine recent evidence to see whether there are winners and losers resulting from this switch away from traditional pension plans.
Imagining The Ideal Pension System: International Perspectives,
2011
University of Michigan
Imagining The Ideal Pension System: International Perspectives, Dana M. Muir Editor, John A. Turner Editor
Upjohn Press
Muir and Turner gather an international roster of pension experts who present what they think would be the ideal pension systems for their countries and why. Those countries include the United States, the UK, Ireland, Denmark, Germany, Belgium, France, Switzerland, Poland, and Japan.
Erisa & Uncertainty,
2010
Texas A&M University School of Law
Erisa & Uncertainty, Brendan S. Maher, Peter K. Stris
Faculty Scholarship
In the United States, retirement income and health insurance are largely provided through private promises made incident to employment. These “benefit promises” are governed by a statute called ERISA, which many healthcare and pension scholars argue is the cause of fundamental problems with our nation’s health and retirement policy. Inevitably, however, they advance narrowly tailored proposals to amend the statute. This occurs because of the widely-held view that reform should leave undisturbed the underlying core of the statute. This Article develops a theory of ERISA designed to illustrate the unavoidable need for structural reform.
Encouraging Savings Under The Earned Income Tax Credit: A Nudge In The Right Direction,
2010
Marquette University Law School
Encouraging Savings Under The Earned Income Tax Credit: A Nudge In The Right Direction, Vada Waters Lindsey
University of Michigan Journal of Law Reform
During 2007, 3.6 million or 9.7% of people in the United States age 65 or older were below the poverty level. In light of the number of elderly people living below the poverty level, it is important that everyone, including low-income workers, have the opportunity to save for retirement. Low-income workers face many challenges to saving for retirement. The barriers to saving include the lack of access to retirement plans and lack of investment savvy. For example, only 42 % of workers employed in service occupations in the private industry have access to employer retirement plans. The percentage drops to …
Redressing All Erisa Fiduciary Breaches Under Section 409 (A),
2010
William & Mary Law School
Redressing All Erisa Fiduciary Breaches Under Section 409 (A), Eric D. Chason
Faculty Publications
No abstract provided.
Erisa Preemption Doctrine As Health Policy,
2010
William & Mary Law School
Erisa Preemption Doctrine As Health Policy, Joshua P. Booth, Larry I. Palmer
Faculty Publications
No abstract provided.
States To The Rescue: Policy Options For State Government To Promote Private Sector Retirement Savings,
2010
University of Massachusetts Boston
States To The Rescue: Policy Options For State Government To Promote Private Sector Retirement Savings, Christian A. Weller, Amy Helburn
Gerontology Institute Publications
We provide an overview of retirement plan proposals that could be implemented at the state level. All aim to increase participation in retirement savings, mainly by lowering the cost of doing so and possibly by offering some employer or government matches to employee contributions. The proposals vary widely on how much risk employees are exposed to. Some proposals leave most of the risks of saving for retirement – investment, market, and longevity risk – with the employee, while others try to eliminate them all. The tools of risk management range from well-diversified index funds and default investments to required offers …
Totalization With Mexico: A Path To
Immigration Reform,
2010
Washington and Lee University School of Law
Totalization With Mexico: A Path To Immigration Reform, Rajeeve Thakur
Washington and Lee Journal of Civil Rights and Social Justice
No abstract provided.
Golden Gate And The Ninth Circuit’S Threat To
Erisa’S Uniformity And Jurisprudence ,
2010
Brigham Young University Law School
Golden Gate And The Ninth Circuit’S Threat To Erisa’S Uniformity And Jurisprudence , Landon Wade Magnusson
BYU Law Review
No abstract provided.
Taxing Housework,
2010
Northwestern University School of Law
Taxing Housework, Nancy Staudt
Faculty Working Papers
This article examines the tax policy rationale for excluding non-market household labor from the tax base and argues that the conventional rationals no longer withstand scrutiny. The article goes on to argue that it is possible to include non-market household labor into the tax base, while at the same time avoiding the imposition of costs upon the (mostly) women who supply the labor. Moreover, and mort important, tax policy reform along these line would increase householder laborers' access to public retirement benefits and signal the important of the work to society generally.
The Evolution Of The Applicability Of Erisa To Indian Tribes: We May Finally Have Congressional Intent, But It's Still Flawed,
2010
University of Oklahoma College of Law
The Evolution Of The Applicability Of Erisa To Indian Tribes: We May Finally Have Congressional Intent, But It's Still Flawed, Alicia K. Crawford
American Indian Law Review
No abstract provided.
Social Security Benefits Formula 101: A Practical Primer,
2010
University of Nevada, Las Vegas -- William S. Boyd School of Law
Social Security Benefits Formula 101: A Practical Primer, Francine J. Lipman
Scholarly Works
No abstract provided.
