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Phillips JWR, Mitchell OS. Social Security Replacement Rates for Alternative Earnings Benchmarks. Philadelphia, PA: The Wharton School, University of Pennsylvania; 2006.
Mitchell OS, Clark RL, Lusardi A. What Explains Low Old-Age Income? Evidence from the Health and Retirement Study. Cambridge, MA: National Bureau of Economic Research; 2021. doi:10.3386/w28721.
Brown JR, Casey MD, Mitchell OS. Who Values the Social Security Annuity? New evidence on the annuity puzzle. Cambridge, MA: National Bureau of Economic Research ; 2008. doi:10.3386/w13800.