Analyst – Microeconomic Studies Division
Congressional Budget Office
"Does Social Security Continue to Favor Couples?"
Dr. Karamcheva will discuss recent work that speaks to the adequacy and equity of the Social Security program. Specifically, she examines how trends in women’s labor force activity and changing marriage patterns affect the returns from the Social Security system at the individual and household levels. The analysis uses data from the Health and Retirement Study, linked to Social Security administrative earnings, and data from the Modeling Income in the Near Term microsimulation model, to examine changes in several measures of redistribution across a broad range of cohorts. The paper then uses decomposition techniques to determine how much women’s increased earnings and the decline in marriage rates have contributed to the changes over time in replacement rates and lifetime benefit to tax ratios.
Nadia Karamcheva is an Analyst in the Microeconomics Studies Division at the Congressional Budget Office (CBO). Prior to joining CBO she conducted research as an economist at the Urban Institute. Her research interests span a broad range of topics in labor economics and applied econometrics with a focus on retirement. Her current work explores policy relevant topics related to older workers’ employment and savings outcomes, and individuals’ decision making about claiming social security benefits, retirement timing, private pension plan participation and contributions. Dr. Karamcheva has a Ph.D. and M.A. in Economics from Boston College, and a B.A. from the American University in Bulgaria.
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