Center for Retirement Research at Boston College

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Center for Retirement Research at Boston College

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The goals of the Center for Retirement Research are to promote research on retirement issues, to transmit new findings to the policy community and the publ

10/22/2026

New on Squared Away: A personal finance blog: Planning for Social Security Uncertainty

Stress-test your retirement plan to see if it can handle a Social Security benefit cut – if it cracks, working a bit longer, saving more, or claiming later can help.

🔗 https://bit.ly/4dTHqp5

10/20/2026

New CRR Brief: “How Do Medicaid LTC Policies Impact Jobs and Wages of Nurses and Aides?"

⭐ With growing demand for long-term care at home, states have used Medicaid waivers to allow more home-and-community-based services for older adults.
⭐ To test if this shift has impacted the jobs and wages of nurses and aides, we use Medicaid data on specific waiver services and Census data on labor outcomes.
⭐ Consistent with the fact that waivers don't aim to affect formal caregivers’ labor outcomes, only a small fraction of the policies that we tested had any effect.
⭐ That said, most of these effects were negative: fewer jobs and lower wages by allowing recipients to pick providers and pay family members to deliver care.

🔗 https://bit.ly/4hZEh8g

Thanks to the Alfred P. Sloan Foundation for support!

10/15/2026

What We're Reading Now: Our latest hand-pick list of interesting reads

1️⃣ The Overlooked Middle: Not Eligible for Medicaid, but Not Able to Afford Long-Term Care (Gerontology at UMass Boston)
2️⃣ How a Direct Care Worker Visa Policy Could Support America’s Aging Population (The Brookings Institution)
3️⃣ Supplemental Medicare Insurance Coverage for Older Adults with Probable Dementia (National Bureau of Economic Research)

Get the links and short descriptions for why we think they're worth a read: https://crr.bc.edu/WWRN

10/09/2026

New on Squared Away: A personal finance blog: Reimagining Elder Care with the Founder of The CareWorks Project

Since most people now receive care at home, Robert Espinoza explains how we could build a more person-centered approach to long-term care.

🔗 https://bit.ly/4ztzgMF

10/06/2026

New CRR Brief: "How Much Do Older Workers Value Retiree Health Insurance?"

⭐ Retiree health insurance (RHI) is increasingly rare, but little is known about how much workers value these benefits, especially compared to pension benefits.
⭐ Our analysis relies on a natural experiment in 2008 involving older state workers in Rhode Island.
⭐ These workers had to choose between retiring early and keeping their existing RHI coverage or retiring later with less generous RHI but a larger pension.
⭐ The results show that workers value an extra dollar of RHI twice as much as an extra dollar of pensions.
⭐ The lingering question is, if workers value RHI so highly, why have employers cut back so dramatically?

🔗 https://bit.ly/4yuWT7j

Thanks to the Russell Sage Foundation for the support!

09/30/2026

What We're Reading Now! Our latest hand-selected list of interesting reads:

1️⃣ Nursing Home Beds Are Becoming More Scarce (KFF Health News)
As the oldest baby boomers turn 80, nursing homes across the country are quietly shrinking. Financial strain, staffing shortages, and looming Medicaid changes are leaving fewer beds just as demand is set to surge.

2️⃣ Claude for Financial Advisors (Financial Planning)
Claude has unveiled a new suite of specific tools for financial advisors – will they be widely adopted?

3️⃣ Deadwood Labor? The Effects of Eliminating Employment Protection for Older Workers (American Economic Association)
When Sweden’s job protections for older workers expire at 67, many are pushed out, hinting that unproductive workers pile up under strict rules. In contrast, the U.S. has a far more flexible labor market.

🔗 https://crr.bc.edu/WWRN

09/22/2026

New CRR Brief: "Why Are More Young Adults Living with Their Parents?"

⭐ The share of young adults living with their parents has jumped by about one-third over the last two decades, reaching nearly 20 percent by 2025.
⭐ This trend raises potential concerns about their future social and economic prospects, potentially delaying household formation and wealth accumulation.
⭐ The analysis finds that economic factors – particularly the rising cost of rent and general price inflation – may explain a substantial part of the increase.
⭐ However, other factors that are harder to measure are also at play; these could be tied to declines in marriage and fertility rates.

🔗 https://bit.ly/3SXvzzd

09/17/2026

New on Squared Away: A personal finance blog: How to Set Your Savings Priorities? One Financial Planner’s Advice

Suggestions for ranking different savings goals to help you better decide where your next dollar should go!

🔗 https://bit.ly/3Tatu2H

09/09/2026

What We're Reading Now: Our latest hand-selected list of interesting reads

📘 As Social Security Fund Runs Dry, Some Republicans Say It’s Time to Raise Taxes (Washington Post)
📗 Aging with Dignity: Providing Long-Term Supports and Services at Home for Our Nation’s Elders (The Brookings Institution)
📕 The Jobs Apocalypse Is Postponed. An AI Jobs Boom Is Here (The Economist)

🔗 https://crr.bc.edu/WWRN

09/08/2026

New CRR Brief: “Explaining the Rise in Alternative Investments in Public Pension Plans"

⭐ Since 2000, public pensions have moved more toward alternative assets like private equity and real estate, with significant variation among plans.
⭐ To explain these patterns, the analysis explores changes in plans’ beliefs about the future returns of alternatives and their appetite for risk.
⭐ The findings suggest a growing belief that alternatives will outperform public equities – due to consultant views, peer behavior, and plan experience in the ’90s.
⭐ In contrast, factors related to plans’ appetite for risk play a more limited role.

🔗 https://bit.ly/4iQeQbk

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314 Hammond Street
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Website

https://crr.bc.edu/

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