%0 Journal Article %J Journal of Family and Economic Issues %D 2014 %T Women s Timing of Receipt of Social Security Retirement Benefits %A Gillen, Martie %A Claudia J Heath %K Retirement Planning and Satisfaction %K Social Security %K Women and Minorities %X 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. %B Journal of Family and Economic Issues %I 35 %V 35 %P 362-375 %G eng %U http://dx.doi.org/10.1007/s10834-013-9374-z %N 3 %4 Social Security/Women/Retirement benefits/Retirement %$ 999999 %R 10.1007/s10834-013-9374-z