This paper presents a method for higher education faculty and staff to assess pension plan objectives by determining a retirement income replacement ratio to maintain the salary-based preretirement standard of living. The paper describes the RETIRE Project which researches income replacement using the federal government's annual "Consumer…

This document includes testimony and prepared statements by Senate committee members and representatives of the Department of Veterans Affairs, Department of Defense, Commission to Assess Veterans' Education Policy, American Legion, Veterans of Foreign Wars of the United States, Disabled American Veterans, Paralyzed Veterans of America, Uniformed…

Millions of women face bleak retirement futures. In 40 years, when today's 25-year-olds retire, fewer women will be retiring married, and therefore fewer will have access to a husband's retirement income. Young women continue to face a future of significantly lower wages. Caregiving responsibilities continue to fall predominantly on women's…

Two experiments were conducted to determine what readers are likely to understand about the information contained in a medical insurance brochure intended for employees. Twenty-seven subjects were recruited through newspaper advertisements for a "reading experiment." The studies addressed questions concerning (1) how likely readers are…

This Congressional subcommittee report describes a study of national policies affecting midlife women, and represents the culmination of subcommittee hearings and a detailed examination of the problems of midlife women. An overview of the problem is followed by a discussion of major issues raised at the hearings and in committee study, including…

Part 3 of a three-part report on fringe benefits in the schools, this study focused on 1977-78 fringe benefits provided for teachers. Data were collected through a survey instrument mailed to a national sample of 1,877 public school systems. Data on leave provisions, group insurance programs, professional liability insurance, retirement plans,…

This information paper on the major income and employment issues affecting older Americans survey the economic impacts of an aging population, presents an agenda for future research into principle income and employment policy issues, and provides an outline of those policy options to be reviewed as a basis for governmental policy formation.…

The rapid expansion of Ontario's educational system in the 1960s serves as a base for this study of the current decline in enrollment and its consequences. This paper examines two results of the concentration of manpower in teaching: the need for reduction in force and the potential burden on the retirement system. The author makes several…

Results of a survey of pension plans in Ontario universities are summarized according to type of plan, eligibility, member and university contributions, and benefits. Benefits for normal retirment, early retirement, termination, and death are presented. Death benefits are outlined for before retirement, after retirement, and by model pension…

After giving an overview of the private retirement system and considering deferred wages and labor costs, the study explores the extent of the influence of private pensions on early retirement and on job opportunities of older persons, and the influence of lengthy job tenure requirements on worker mobility. The study weakens the case for…

This document is a study of teacher retirement systems of the United States. It also deals with the problems of improved management, particularly of how funds might be invested to increase benefits or reduce the required contributions. It sets up a hypothetically ideal pattern for the investment portfolio of typical State pension fund on the basis…

This volume is part one of a three-part report of the Educational Research Service (ERS) "National Survey of Fringe Benefits in Public Schools." Data were derived from a 2-part questionnaire that was mailed to 1,918 United States public school systems. A total of 810 school systems responded, creating a 42 percent response rate. Information is…

There is in the United States an increasing interest in pensions for teachers. In several cities and States some form of pension system has been adopted. Public opinion on this subject is, however by no means unanimous. Many doubt the wisdom or justice extending to one class of public servants a consideration and help withheld from another class.…

The history of the Carnegie pension system and the contributions of the Carnegie Foundation for the Advancement of Teaching (CFAT) and Henry Pritchett toward its development are discussed. General problems and criticisms of the CFAT and pension plans in academe are examined. (SF)

The basic provisions of the TIAA-CREF retirement plans are outlined and the impact of inflation and falling stock prices on annuities and bonds are investigated. Major factors that should be considered when allocating contributions to TIAA-CREF funds are discussed. (SF)