@article {8002, title = {Women s Timing of Receipt of Social Security Retirement Benefits}, journal = {Journal of Family and Economic Issues}, volume = {35}, year = {2014}, pages = {362-375}, publisher = {35}, abstract = {The 2000 2006 waves of Health and Retirement Study data were used to estimate the effects of human capital characteristics and income sources on women s timing of receipt of Social Security retirement benefits. Using logistic regression, the likelihood of early election of benefits was increased by earnings regardless of marital status; and, for married women, by husband s age being greater than wife s, and by other income. For married women, education decreased the likelihood of electing early benefits. For unmarried women, IRA/annuity income reduced the likelihood of early receipt of benefits. Using multinomial logistic regression, the likelihood of combinations of expected and actual benefit receipt options were estimated. A greater percentage of married, compared to unmarried, women expected and elected early benefits.}, keywords = {Retirement Planning and Satisfaction, Social Security, Women and Minorities}, doi = {10.1007/s10834-013-9374-z}, url = {http://dx.doi.org/10.1007/s10834-013-9374-z}, author = {Gillen, Martie and Claudia J Heath} }