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<li><a href="/policy/docs/program-explainers/scheduled-payable.html">Scheduled <abbr title="versus">vs.</abbr> Payable Benefits</a></li>
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<li><a href="/policy/docs/program-explainers/special-minimum.html">Special Minimum Benefit</a></li>
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<li><a href="/policy/docs/program-explainers/poverty-decline.html">Why Will Poverty Decline for Beneficiaries?</a></li>
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<li><a href="/policy/docs/program-explainers/windfall-elimination-provision.html">Windfall Elimination Provision</a></li>
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</ul>
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</li>
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<li class="noClick menu1a" id="PM"><a href="#" tabindex="-1">Projections</a></li>
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<li class="hasFly menu2a" id="PFS"><a href="#" aria-haspopup="true" aria-expanded="false">Fact sheets</a>
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<ul>
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<li><a href="/policy/docs/projections/populations/divorced-spousal-2050.html">By beneficiary type</a></li>
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<li><a href="/policy/docs/projections/populations/beneficiaries-60-or-older.html">By demographic group</a></li>
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</ul>
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</li>
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<li class="hasFly menu2a" id="PPO"><a href="#" aria-haspopup="true" aria-expanded="false">Tables</a>
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<ul>
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<li><a href="/policy/docs/projections/policy-options/index.html">Policy options/proposals</a></li>
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<li><a href="/policy/docs/projections/tables/beneficiaries.html">Profile of beneficiaries by race & ethnicity</a></li>
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<li><a href="/policy/docs/projections/tables/taxpayers.html">Profile of taxpayers by race & ethnicity</a></li>
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</ul>
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</li>
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</ul>
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</nav></div>
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<div class="column-6"> <div id="docTitle">
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<h3>Social Security Bulletin, <abbr title="Volume">Vol.</abbr> 70, <abbr title="Number">No.</abbr> 4</h3>
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<div class="releaseDate">(released November 2010)</div></div> <div class="container-red downloadBox"><p><a href="/policy/docs/ssb/v70n4/ssb-v70n4.pdf" title="Download entire publication as PDF">Download entire publication</a></p></div> <div class="ssbArticle">
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<div><a href="/policy/docs/ssb/v70n4/v70n4p1.html">The Role of Behavioral Economics and Behavioral Decision Making in Americans' Retirement Savings Decisions</a></div>
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<div class="authors">by Melissa A. Z. Knoll</div>
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<p>This article outlines findings from the judgment and decision making (<abbr class="spell">JDM</abbr>) and behavioral-economics literatures that highlight the many behavioral impediments to saving that individuals may encounter on their way to financial security. It discusses how behavioral and psychological issues, such as self-control, emotions, and choice architecture can help policymakers understand which factors, aside from purely economic ones, may affect individuals' savings behavior.</p>
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</div><div class="ssbArticle">
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<div><a href="/policy/docs/ssb/v70n4/v70n4p25.html">Expanding Access to Health Care for Social Security Disability Insurance Beneficiaries: Early Findings from the Accelerated Benefits Demonstration</a></div>
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<div class="authors">by Robert R. Weathers II, Chris Silanskis, Michelle Stegman, John T. Jones, and Susan Kalasunas</div>
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<p>The Accelerated Benefits (<abbr class="spell">AB</abbr>) demonstration project provides health benefits to Social Security Disability Insurance beneficiaries who have no health insurance during the <span class="nobr">24-month</span> period most beneficiaries are required to wait before Medicare benefits begin. This article describes the project and presents baseline survey results on health insurance coverage among newly entitled beneficiaries and the characteristics of those without coverage. A <span class="nobr">6-month</span> follow-up survey provides information on the effects of the <abbr class="spell">AB</abbr> health benefits package on health care utilization and on reducing unmet medical needs. The article also reports the costs of providing the health benefits package during the <span class="nobr">24-month</span> Medicare waiting period.
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</p>
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</div><div class="ssbArticle">
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<div><a href="/policy/docs/ssb/v70n4/v70n4p49.html">The Decision to Exclude Agricultural and Domestic Workers from the 1935 Social Security Act</a></div>
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<div class="authors">by Larry DeWitt</div>
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<p>The Social Security Act of 1935 excluded from coverage about half the workers in the American economy. Among the excluded groups were agricultural and domestic workers. Some scholars have attributed this exclusion to racial bias against African Americans. In this article, the author examines the evidence of the origins of the coverage exclusions in 1935 and concludes that this particular provision had nothing to do with race.</p>
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</div><div class="ssbArticle">
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<div><a href="/policy/docs/ssb/v70n4/v70n4p69.html">Retiring in Debt? An Update on the 2007 Near-Retiree Cohort</a></div>
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<div class="authors">by Chris E. Anguelov and Christopher R. Tamborini</div>
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<p>This research note uses 2007 Survey of Consumer Finances (<abbr class="spell">SCF</abbr>) data to update work reported in an earlier article, "Retiring in Debt? Differences between the 1995 and 2004 Near-Retiree Cohorts." The analysis documents whether there have been changes in the debt holdings of near-retirees in 2007, a point in time reflecting the start of the recent financial and economic crisis, relative to 2004. Results show that near-retirees' debt levels in 2007 were modestly higher than in 2004, overall and across a number of subgroups. The results do not capture the full impact of the financial crisis, which manifested at the end of 2007 and in 2008.</p>
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</div><div class="ssbArticle">
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<div><a href="/OACT/TR/2010/index.html">Introduction and Overview of the 2010 Annual Report of the Board of Trustees of the Federal Old-Age and Survivors Insurance and Federal Disability Insurance Trust Funds</a></div>
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<p>The Board of Trustees reports each year on the current and projected financial condition of the Social Security program, which is financed through two separate trust funds: the Old-Age and Survivors Insurance Trust Fund and the Disability Insurance Trust Fund. The introduction, overview, and full report are available <a href="/OACT/TR/2010/index.html">here</a>.</p>
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<img src="cover.jpg" alt="issue cover" class="cover" />
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<p class="ninetypercent"><abbr class="spell">ISSN</abbr>: 1937-4666</p>
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<h4 class="sidebar-gray">Contact</h4><p><a href="mailto:ssb@ssa.gov">ssb@ssa.gov</a></p>
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<div class="container-blue"><p>The <i>Bulletin</i> welcomes submissions from outside researchers and analysts for its <a href="/policy/docs/ssb/perspectives.html">Perspectives section</a>.</p></div>
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