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Selected Research & Analysis: Old-Age and Survivors Insurance (OASI) Eligibility

Social Security Totalization Agreements
from Social Security Bulletin, Vol. 78, No. 4 (released November 2018)
by Brent W. Jackson and Scott Cash

Since the 1970s, U.S. negotiators have concluded bilateral agreements with 28 important trading partners to coordinate social security coverage and benefit provisions for individuals who live and work in more than one country in their working lives. Known as “totalization agreements,” they are similar in function and structure to treaties and are legally classified as congressional-executive agreements concluded pursuant to statute. The agreements have three main purposes: to eliminate double taxation on earnings, to provide benefit protections for workers who have divided their careers between the United States and another country, and to permit unrestricted payment of benefits to residents of the two countries. This article briefly describes totalization agreements, relates their history, and considers proposals to modernize and enhance them.

Social Security Retirement Benefit Claiming-Age Combinations Available to Married Couples
Research and Statistics Note No. 2017-01 (released September 2017)
by Brian J. Alleva

The rules for claiming Social Security retired-worker benefits are complex in large part because they offer a potential claimant flexibility in choosing a claiming age most to his or her advantage. The complexity of those rules is multiplied for a married couple, as the potential eligibility for spousal benefits, the couple's age difference, and other factors must also be considered. The number of claiming-age combinations available to a married couple varies widely for couples with different circumstances. This note explores the claiming rules, contingent situations, claiming-age combinations, and benefit amounts available to married couples across a range of respective birth years and benefit levels based on respective earnings histories.

Married Women's Projected Retirement Benefits: An Update
from Social Security Bulletin, Vol. 76, No. 2 (released May 2016)
by Howard M. Iams

This note examines how changes in women's labor force participation and lifetime earnings will affect the Social Security benefits of future beneficiary wives. The Social Security Administration's Modeling Income in the Near Term (version 7) projects that at least four-fifths of wives in the late baby boom (born 1956–1965) and generation X (born 1966–1975) cohorts will receive their initial Social Security benefits based solely on their own earnings. For wives in those cohorts, most of the average benefit amount (91–92 percent) will be attributable to their own earnings histories.

The Implications of Marital History Change on Women's Eligibility for Social Security Wife and Widow Benefits, 1990–2009
from Social Security Bulletin, Vol. 72, No. 2 (released May 2012)
by Howard M. Iams and Christopher R. Tamborini

Social Security retirement-age benefits in the United States reflect marital histories and lifetime earnings of current and former married couples. We examine women's marital history patterns and spouse and widow benefit eligibility over the past two decades, 1990 and 2009. Our analysis reveals substantial changes in women's marital patterns among the baby boom and generation X cohorts. We find a substantial decline in qualifying marital histories for Social Security spouse and widow benefits. The results reveal considerable variation by race and Hispanic origin.

The Impact of Changes in Couples' Earnings on Married Women's Social Security Benefits
from Social Security Bulletin, Vol. 72, No. 1 (released February 2012)
by Barbara A. Butrica and Karen E. Smith

This article uses the Social Security Administration's Modeling Income in the Near Term (version 6) to examine how changes in married women's labor force participation and earnings will impact the Social Security benefits of current and future beneficiary wives. Over the next 30 years, a larger share of wives will be eligible for Social Security benefits based solely on their own earnings, and wives' average Social Security benefits are expected to increase by 50 percent. Despite rising female lifetime earnings, wives' earnings typically remain below those of their husbands, so many wives who are retired-worker-only beneficiaries while their husbands are alive will receive auxiliary benefits when their husbands die.

Who Never Receives Social Security Benefits?
from Social Security Bulletin, Vol. 71, No. 2 (released May 2011)
by Kevin Whitman, Gayle L. Reznik, and Dave Shoffner

Approximately 4 percent of the aged population will never receive Social Security benefits. This article examines the prevalence, demographic characteristics, and economic well-being of these never-beneficiaries. Most never-beneficiaries do not have sufficient earnings to be eligible for benefits, and most of these insufficient earners are either late-arriving immigrants or infrequent workers. About 44 percent of never-beneficiaries are in poverty, compared with about 4 percent of current and future beneficiaries.

Distributional Effects of Accelerating and Extending the Increase in the Full Retirement Age
Policy Brief No. 2011-01 (released January 2011)
by Glenn R. Springstead

This policy brief compares two options set forth by the Social Security Advisory Board to increase the full retirement age (FRA), the age at which claimants may receive unreduced Social Security old-age benefits. One option would raise the FRA from the current target of 67 years to 68 years; the other would raise the FRA to 70 years. The brief examines the effects of both options on the level of benefits of Social Security beneficiaries aged 62 or older in 2070 using Modeling Income in the Near Term (MINT) projections, and on Trust Fund solvency using estimates from the Social Security Administration's Office of the Chief Actuary. The brief finds that both options would reduce benefits, improve solvency, and slightly increase the poverty rate. Within each option, effects on benefits are relatively uniform across beneficiary characteristics, although some surviving spouse and disabled beneficiaries would be shielded from benefit reductions.

Chile's Next Generation Pension Reform
from Social Security Bulletin, Vol. 68, No. 2 (released October 2008)
by Barbara E. Kritzer

Since its inception in 1981, Chile's system of mandatory individual retirement accounts has become a model for pension reformers around the world. A March 2008 comprehensive pension reform law made major changes that address some key policy challenges including worker coverage, gender equity, pension adequacy, and administrative fees. The cornerstone of the new law sets up a basic universal pension as a supplement to the individual accounts system.

Benefit Adequacy Among Elderly Social Security Retired-Worker Beneficiaries and the SSI Federal Benefit Rate
from Social Security Bulletin, Vol. 67, No. 3 (released April 2008)
by Kalman Rupp, Alexander Strand, Paul S. Davies, and James Sears

The federal benefit rate (FBR) of the Supplemental Security Income program provides an inflation-indexed income guarantee for aged and disabled people with low assets. Some consider the FBR as an attractive measure of Social Security benefit adequacy. Others propose the FBR as an administratively simple, well-targeted minimum Social Security benefit. However, these claims have not been empirically tested. Using microdata from the Survey of Income and Program Participation, this article finds that the FBR is an imprecise measure of benefit adequacy; it incorrectly identifies as economically vulnerable many who are not poor, and disregards some who are poor. The reason for this is that the FBR-level benefit threshold of adequacy considers the Social Security benefit in isolation and ignores the family consumption unit. The FBR would provide an administratively simple but poorly targeted foundation for a minimum Social Security benefit. The empirical estimates quantify the substantial tradeoffs between administrative simplicity and target effectiveness.

Old-Age and Survivors Insurance Beneficiaries: Survey of Their Continuing Eligibility
from Social Security Bulletin, Vol. 20, No. 3 (released March 1957)
Workers in Employment Covered by Old-Age and Survivors Insurance in 1944
from Social Security Bulletin, Vol. 10, No. 7 (released July 1947)
by Marie Correll