How Do Disabilities Affect Future Retirement Benefits?

One-quarter of workers ages 51 to 55 develop work disabilities before age 62. Disabilities often force people to curtail their work hours, derailing retirement preparations. However, protections built into Social Security, including disability and spouse benefits and the system's tilt toward workers with low lifetime earnings, cushion the impact of midlife health problems. After other factors are controlled for, the onset of health-related work limitations between ages 51 and 61 reduces Social Security retirement benefits at ages 63 to 67 by only about 2 percent, much less than the impact on other retirement savings

Are There Opportunities to Increase Social Security Progressivity Despite Underfunding?

Reviews the payroll tax, Social Security's benefit formula, and outcomes by race, gender, and earnings level, and explores why low-income and minority groups do not receive greater returns on contributions. Simulates the effects of progressive reforms

Health Problems and Job Layoffs Crack Retirement Nest Eggs

As people prepare for retirement, even the best-laid plans can go awry. Health fails. Spouses or other family members become ill. Marriages end in widowhood or divorce. Investments sour. People lose their jobs. Health, employment, and marital shocks can have serious financial consequences -- out-of-pocket health bills, reduced earnings, disrupted retirement saving -- forcing people as young as 50 or 60 to dip into their nest eggs

How Secure Are Retirement Nest Eggs?

Life's uncertainties can upend the best-laid retirement plans. Health can fail as people grow older, or their spouses can become ill. Older people can lose their jobs, and often have trouble finding new ones. Marriages can end in widowhood or divorce. Health, employment, and marital shocks near retirement can have serious financial repercussions, raising out-of-pocket medical spending, reducing earnings, disrupting retirement saving, and forcing people to dip prematurely into their nest eggs. This brief examines different types of negative events that can strike near retirement. It reports the incidence of widowhood, divorce, job layoffs, disability, and various medical conditions over a 10-year period, and estimates their impact on household wealth. Data come from the Health and Retirement Study (HRS), a nationally representative survey of older Americans conducted by the University of Michigan for the National Institute on Aging. The survey interviewed a large sample of non-institutionalized adults ages 51 to 61 in 1992 and re-interviewed them every other year. The analysis uses data through 2002, the most recent year available. The results show that many people in their 50s and 60s experience negative shocks that threaten retirement security. Job layoffs, divorce, and the onset of work disabilities near retirement substantially erode retirement savings. The findings highlight the limitations of the safety net when things go wrong in late midlife. This Brief was written for the Center for Retirement Research based at Boston College

The Impact of Late-Career Health and Employment Shocks on Social Security and Other Wealth

About one-quarter of workers age 51 to 55 in 1992 developed health-related work limitations and about one-fifth were laid off from their jobs before age 62. Although late-career health and employment shocks often derail retirement savings plans, Social Security's disability insurance, spouse and survivor benefits, and progressive benefit formula provide important protections. In fact, health shocks increase Social Security's lifetime value, primarily because the system's disability insurance allows some disabled workers to collect benefits before age 62. However, if the system's disability insurance program did not exist, the onset of health-related work limitations would substantially reduce Social Security wealth

Diversity in Retirement Wealth Accumulation

Examines household wealth by source, such as Social Security, home equity, savings, and defined benefit pensions; how their savings build up with age; and how total wealth accumulations vary by income, education, and race/ethnicity. Explores implications

Will Employers Want Aging Boomers?

Explores the status quo of older workers; why baby boomers are likely to work longer; and how changes in needed skills, the characteristics of older workers, and labor force growth will affect demand for older workers. Includes policy recommendations

Mycotic aneurysm of the inferior gluteal artery caused by non-typhi Salmonella in a man infected with HIV: a case report

<p>Abstract</p> <p>Introduction</p> <p>Non-typhi <it>Salmonellae </it>infections represent major opportunistic pathogens affecting human immunodeficiency virus-infected individuals residing in sub-Saharan Africa. To the best of our knowledge, we report the first documented case in the medical literature of a <it>Salmonella</it>-induced mycotic aneurysm involving an artery supplying the gluteal region.</p> <p>Case presentation</p> <p>A 37-year-old black, Kenyan man, infected with human immunodeficiency virus with a CD4 count of 132 cells per microliter presented with a pulsatile gluteal mass and debilitating pain progressing over one week. He was receiving prophylaxis with trimethoprim-sulfamethoxazole. Aspiration of the mass yielded gross blood. An ultrasound examination revealed a 37 ml vascular structure with an intra-luminal clot. Upon exploration, a true aneurysm of the inferior gluteal artery was identified and successfully resected. A culture of the aspirate grew a non-typhi <it>Salmonellae </it>species. Following resection, he was treated with oral ciprofloxacin for 10 weeks. He later began anti-retroviral therapy. Forty-two months after the initial diagnosis, he remained alive and well.</p> <p>Conclusions</p> <p>Clinicians caring for patients infected with human immunodeficiency virus in Africa and other resource-limited settings should be aware of the invasive nature of <it>Salmonella </it>infections and the potential for aneurysm formation in unlikely anatomical locations. Rapid initiation of appropriate anti-microbial chemotherapy and surgical referral is needed. Use of trimethoprim-sulfamethoxazole prophylaxis does not routinely prevent invasive <it>Salmonella </it>infections.</p

Risk Factors for High Early Mortality in Patients on Antiretroviral Treatment in a Rural District of Malawi.

OBJECTIVES: Among adults started on antiretroviral treatment (ART) in a rural district hospital (a) to determine the cumulative proportion of deaths that occur within 3 and 6 months of starting ART, and (b) to identify risk factors that may be associated with such mortality. DESIGN AND SETTING: A cross-sectional analytical study set in Thyolo district, Malawi. METHODS: Over a 2-year period (April 2003 to April 2005) mortality within the first 3 and 6 months of starting ART was determined and risk factors were examined. RESULTS: A total of 1507 individuals (517 men and 990 women), whose median age was 35 years were included in the study. There were a total of 190 (12.6%) deaths on ART of which 116 (61%) occurred within the first 3 months (very early mortality) and 150 (79%) during the first 6 months of initiating ART. Significant risk factors associated with such mortality included WHO stage IV disease, a baseline CD4 cell count under 50 cells/mul and increasing grades of malnutrition. A linear trend in mortality was observed with increasing grades of malnutrition (chi for trend = 96.1, P </= 0.001) and decreasing CD4 cell counts (chi for trend = 72.4, P </= 0.001). Individuals who were severely malnourished [body mass index (BMI) < 16.0 kg/m] had a six times higher risk of dying in the first 3 months than those with a normal nutritional status. CONCLUSIONS: Among individuals starting ART, the BMI and clinical staging could be important screening tools for use to identify and target individuals who, despite ART, are still at a high risk of early death

Decoherence in Bose-Einstein Condensates: towards Bigger and Better Schroedinger Cats

We consider a quantum superposition of Bose-Einstein condensates in two immiscible internal states. A decoherence rate for the resulting Schroedinger cat is calculated and shown to be a significant threat to this macroscopic quantum superposition of BEC's. An experimental scenario is outlined where the decoherence rate due to the thermal cloud is dramatically reduced thanks to trap engineering and "symmetrization" of the environment which allow for the Schroedinger cat to be an approximate pointer states.Comment: 12 pages in RevTex; improved presentation; a new comment on decoherence-free pointer subspaces in BEC; accepted in Phys.Rev.