What effect has the financial crisis had on households and health? RAND researchers seek to quantify the effects of the crisis on older U.S. households, and the adjustments made in response. With this information, they aim to determine whether downturns in economic status are associated with declines in health.
To understand what influences life satisfaction in different countries, it is important to correct for cultural differences in how people answer subjective questions. The RAND Center for the Study of Aging is attempting to increase the comparability of response scales across national boundaries.
By using newly available data from more than 15 countries, researchers are analyzing how the interaction between individual behavior, social context, institutions, and policies shapes health and well-being in old age.
Health outcomes may be related to financial status, including home ownership. A comparative analysis of housing price risk during economic downturns in different countries can help researchers better understand this relationship.
Employment trajectories following the onset of disability are poorly understood. Employer-focused policy interventions may reduce uptake in public disability insurance and disability-induced early retirement.
As the Affordable Care Act expands health insurance coverage in the U.S., the "cost" of applying for SSDI will decline for many. Studying the effect of Massachusetts health care reform in 2006 may provide insights into the impact the ACA may have on SSDI applications and awards.
Alabama's anti-illegal immigration law is regarded as the strictest in the United States and raises several enforcement challenges for police, schools, and other public service providers such as hospitals. RAND research on the costs and benefits of immigration may prove instructive.
Immigrants are less likely than native-born individuals to use banking services or to participate in formal retirement savings programs. The Financial Literacy Center is identifying the main barriers to these services and developing and testing new products to help improve access.
Hispanic immigrants constitute a rapidly growing share of the U.S. population but are less likely to be financially literate than natives. RAND researchers are investigating barriers to Hispanic immigrants' use of financial services and evaluates financial education materials for them.
Previous research has shown that changes in income and health insurance are associated with changes in health and/or mortality. An examination of administrative data may show whether receipt of Social Security Disability Insurance and participation in related programs causally affect survival rates among applicants.
Women continue to lag behind men, not only in income, but in overall financial capability and retirement preparedness. A financial "bootcamp" may hold promise as a financial education program for early to mid-career women.
Leaving the work force early has become commonplace in developed countries. Understanding the financial incentives and other factors that induce individuals to retire early, can help policymakers design effective reforms to help guarantee the financial stability of pension systems.
The Center for Latin American Social Policy conducts research throughout Latin America and the Latin American population in the United States in the areas of aging, social determinants and consequences of health, saving for retirement, social security coverage, labor market dynamics, and migration.
Given the worldwide trend of aging populations, it is important to learn about the long- and short-term effects of non-contributory social security programs. With the State of Yucatan, CLASP designed such a program for towns with more than 20,000 inhabitants. The project team is now evaluating its impact on the welfare of residents ages 70 and older.
Changing the Social Security Disability Insurance program rules could reduce caseload costs by encouraging a return to work, but it could also create unintended consequences by inducing more workers to apply for benefits.
The PHRESH project examines how neighborhood characteristics—like access to fresh fruits, vegetables, and meats—could make residents more or less healthy.
When children with disabilities turn 18, most apply for SSI-disabled adult benefits without first looking for work. The Financial Literacy Center is developing a financial literacy tool for these young adults to teach the value of entering the labor market.
The application and appeals process for Social Security Dissability Insurance (SSDI) can take months if not years, during which time applicants are not allowed to work more than a limited amount. Understanding the true application costs of SSDI can help quantify the total wefare impact of the program.
The RAND Center for the Study of Aging has conducted objective, independent, interdisciplinary research on aging and the elderly for more than 20 years. It improves public policy through primary data collection as well as secondary data analysis.
Many displaced workers suffer near-permanent losses in earnings capacity, especially during economic downturns. Understanding the relationship between labor market shocks and the decision to claim disability or retirement benefits can help policymakers prepare for future recessions.
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