John A. Turner, PhD CV

 January 1, 2023

John A. Turner is Director of the Pension Policy Center, where he provides pension policy analysis for U.S. and international organizations and conducts policy research. He served as Senior Policy Advisor in the AARP Public Policy Institute. Previously, he worked at the International Labour Office in Geneva, Switzerland, on social security reform around the world, coediting the book Social Security Pensions: Development and Reform, which was the response of the ILO to the World Bank’s book Averting the Old Age Crisis. He has also worked in research offices at the U.S. Social Security Administration and the U.S. Labor Department, where he was the Deputy Director of the pension research office for nine years. He taught as an adjunct lecturer in Economics at George Washington University, Georgetown University and Catholic University of America.  He was a Fulbright Senior Scholar in France at the Institut de Recherches Economiques et Sociales, and testified before a committee of the Assemblée Nationale in Paris, France.  He is a member of the National Academy of Social Insurance, has served on the Board of Directors for the European Network for Research on Supplementary Pensions, is a Fellow of the Pensions Institute (UK), serves on the Editorial Boards for Benefits Quarterly and Journal of Retirement, was the U.S. private pension correspondent to the International Social Security Association, and was chair of the pension committee for the nearly 700 Methodist churches in the Baltimore Conference. He has contributed to the Ask the Experts column in the AARP Bulletin, which is received by AARP’s 39 million members. He is a Netspar Fellow.  Before entering graduate school, he played on the Transvaal Province team that won the South African national basketball championship. He has published more than 100 articles on pension and social security policy, which have received more than 3,700 citations. He has six publications with 100 or more citations. According to Google Scholar Citations, his top five publications have received more than 1,300 citations. He and a coauthor received an award for the best article of the year in the Journal of Risk and Insurance. He and a coauthor received the prize from the American College of Employee Benefits Counsel for the best proposal for simplifying employee benefits law. He authored, coauthored or edited 14 books–two have been translated into Japanese and three have been required reading for examinations of the Society of Actuaries. His articles have been translated into eight languages. He has consulted and participated in conferences in more than 40 countries, including Tajikistan, Tanzania, Albania, Indonesia, Kosovo, Macedonia, Burundi, and the Seychelles. He was selected by the Volunteers for Economic Growth Alliance, an umbrella organization with more than 100,000 volunteers, as volunteer of the year for his work training pension regulators in East Africa. He has a PhD in Economics from the University of Chicago.

Address:
3713 Chesapeake St. NW
Washington, DC 20016-1813
United States
Telephone: 202-686-6775
Mobile: 202-641-5370
e-mail: Jaturner49@aol.com
webpage: PensionPolicyCenter.org
Google Scholar Citations: https://scholar.google.com/citations?user=6Nq6OwMAAAAJ

EDUCATION

PhD University of Chicago, Economics, 1977

Dissertation committee: Gary Becker, T.W. Schultz, James Heckman

MA Stanford University, Economics, 1972

BA Pomona College, Economics, 1971

University of Witwatersrand, Johannesburg, South Africa, attended 6/68 to 12/68

PROFESSIONAL EXPERIENCE

Netspar Fellow, April 2022 –

Pension Policy Center, Director, January 2007 –
In collaboration with other pension experts and individually, prepares pension policy analysis for domestic and international organizations.

Financial Services Volunteer Corps, November 2009 –
Analysis of pension law in Albania; advice to the East African Community on pension issues, giving seminars in Tanzania, Burundi, and the Seychelles.

Neoedge  2014
Gave a three-day seminar on pension finance in Singapore.

Rotman Centre, University of Toronto, December 2007 – September 2008
Analysis of fee disclosure to pension participants in Canada, Sweden, Australia, Chile, and United Kingdom.

Brookings Institution – Retirement Security Project, January 2007 – 2009
Pension Policy Research on Annuitization. The project is a study of the fees charged to participants and provision of annuities through 401(k) plans.

Society of Actuaries, 2006 –
Evaluation of Financial Planning Software. Evaluated financial planning software for analyzing post-retirement risks.
Policy Research on Self-Correcting Financing Mechanisms in Pensions and Social Security.
Prepared a report on the use of automatic adjustment mechanisms to deal with financial problems in social security systems and employer-provided pension systems.

Adjunct Assistant Professor, Graduate Public Policy Institute,
Georgetown University, 2007 – 2008
Advise graduate students in the preparation of Masters’ theses.

USAID, August 2007 – December 2007
Pension Reform in Macedonia. Assisted the Macedonian government in assessing the tax expenditure associated with establishing preferential tax treatment for voluntary pensions. He also evaluated the labor market effects of the mandatory pension program.

UN Development Program, June 2007 – December 2007
Unemployment Insurance Development Project. Assisted Kosovo in developing an unemployment insurance program. This project involved developing the structure of the program and helping prepare the law that established the program.

Center for the Study of Financial Strategies, November 2007 – 2009
Board of Directors

Age Concern England (London, England), May 2004
Consultation on Pension Benefit Insurance. This project involved advising Age Concern England, and Members of Parliament concerning issues related to the Pension Protection Fund legislation that was being considered to enact a pension benefit insurance agency.

OTHER CLIENTS

U.S. Chamber of Commerce, the Teamsters Union, the Ontario Pension Board, the Retirement Research Center at Boston College, the Pension Rights Center, the International Monetary Fund

AARP, Public Policy Institute, September 2000 – November 2006
Pension and Social Security Policy Research. Turner was Senior Policy Advisor in the AARP Public Policy Institute. He worked on public policy issues relating to pensions, Social Security, older workers, poverty, and tax policy.

U.S. Department of Labor, Pension and Welfare Benefits Administration (now called Employee Benefits Security Administration), January 1999 – September 2000
Pensions and Labor Market Policy Research. Turner worked in the Office of the Secretary of Labor and in the Pension and Welfare Benefits Administration. In the Office of the Secretary of Labor, he covered a broad range of labor market issues, including employment and unemployment, and training policy. In the Pension and Welfare Benefits Administration, he was responsible for economic analysis of pension policy issues.

International Labour Office (Geneva, Switzerland), Senior Social Security Specialist
October 1996 – December 1998
Social Security Reform Around the World. Turner was responsible for analyzing ILO policy on social security reform around the world. During this period, he traveled to 27 countries in all regions of the world. His work led to the publication of a major ILO book on social security policy.

Ministry of Finance (Oslo, Norway), May 1998
Individual Accounts Pension Reform. This project involved advising the Ministry of Finance concerning a proposed law that would mandate provision of defined contribution pensions by employers not providing pensions.

U.S. Department of Labor, Pension and Welfare Benefits Administration, April 1980 – September 1998
Pension Policy Research. Turner was Deputy Director of the research office for pension and health benefits for nine years. He supervised a staff of eight people and was responsible for a large contract research program as well as for the internal research program. Previous to that he served as a Senior Economist in that office.

George Washington University, Department of Economics, August 1994 – December 1996
Adjunct Lecturer, teaching a course on the Economics of Aging.

Asian-American Free Labor Institute (AFL-CIO) (Djakarta, Indonesia), September 1996
Social Security System Evaluation and Reform. Under a US AID contract, evaluated the social security system (old age benefits, life insurance, worker’s compensation, and health benefits) in Indonesia.

International Monetary Fund (Dushambe, Tajikistan), April 1995
Retirement Income and Unemployment Benefit Reform. This technical assistance mission analyzed the retirement income and unemployment benefit systems in Tajikistan.

Institut de Recherches Economiques et Sociales (Paris, France), April 1994 – June 1994
Pension Policy Research. Senior Fulbright Scholar, working on a book on pension policy issues in high-income countries.

Social Security Administration, Office of Policy and Research, Senior Economist, June 1976 – April 1980
Social Security and Pension Policy Research. Research Economist, doing research on Social Security and private pensions.

OTHER CONSULTING

Board of Advisors, The Journal of Retirement, 2013 –

Mentor, American University Leadership Program, 2004 – 2005

Lecturer, Catholic University of America, Certificate on Aging Program, 2002

Advisor, Initiative for Policy Development, London, 2001 – 2006

U.S. Correspondent to the International Social Security Association, 2001 – 2006

Hewitt Company, consulted on pension reform in Japan, 2000

Member, Board of Pensions and Health Benefits, Baltimore-Washington Conference of the United Methodist Church, 1999 -; Chair of Pension Committee, 2000 – 2007

Benton and Centeno, LLP (law firm). Expert in a case on the issue of the value of lost pension benefits, Washington, D.C., 1999

Ministry of Finance, Government of Norway, 1998

CNC, Inc., Principal investigator on project on retirement income system reform in Uzbekistan; Meetings held in Washington, D.C., 1996

Asian-American Free Labor Institute (AFL-CIO), under a US AID contract, evaluation of the social security system (old age benefits, life insurance, worker’s compensation, and health benefits); Indonesia, 1996

International Monetary Fund, technical assistance mission, analyzed the retirement income and unemployment benefit systems; Tajikistan, 1995

External thesis adviser, John F. Kennedy School, Harvard University (four students, 1990-1995. Supervised three masters degree theses on pensions in Eastern Europe and one thesis on pension voting of proxies.

External thesis adviser, University of Maryland, 1995. Supervised four masters degree students on a thesis on pensions in Poland.

Organisation for Economic Co-operation and Development, participated in planning an OECD conference on pensions; Paris, 1989.

White House Conference on Aging; Washington, DC, 1981.

General Electric TEMPO, population projections; Costa Rica, 1973.

South African Volunteer Service, project in Lesotho, 1968

AWARDS AND RECOGNITION

Netspar Fellow, 2022

CEPAR affiliate, 2021

“The Emergence of the Robo Adviser.” 2019. In The Disruptive Impact of FinTech on Retirement Systems, edited by J. Agnew and O.S. Mitchell. Oxford: Oxford University Press, pp. 13-37, with Jill E. Fisch (1) and Marion Labouré (2)). This chapter was selected by Oxford University Press as a top contribution in business innovation.

American College of Employee Benefits Counsel 2018 (inaugural) Simplification Award for the paper for the best proposal for simplifying employee benefits law (Simplifying RMD Policy: Making Compliance Easier and Less Costly for Retirement Participants in their 70s and Older with Jennifer Erin Brown)

Society of Actuaries 2017 award for the paper “Automated Advice”, coauthored with Jill Fisch and Marion Labouré

Best Paper award for the paper “War and Pensions,” presented at the 2016 IPEBLA-IACA-IAA-PBSS joint conference, St. John’s, Canada (coauthored with Gerard Hughes, David M. Rajnes, and Michelle Maher)

Scientific Board, Journal of Insurance, Financial Markets and Consumer Protection(Rozprawy Ubezpieczeniowe. Konsument na rynku usług finansowych (Polish)). 2016-2020

Third Place Prize for the paper “Longevity Insurance Benefits for Social Security,” Society of Actuaries paper competition, 2016

Board of Directors, Washington, DC chapter of Labor and Employee Relations Association (DC LERA) 2015 – 2016

Editorial Board, The Journal of Retirement, 2013 –

Executive Committee, European Network for Research on Supplementary Pensions, 2002-2016

Member, National Academy of Social Insurance, 2002 –

Fellow, Pensions Institute, Birkbeck College, London, 2001 –

Who’s Who in America, 1999 –

Editorial Advisory Board, Benefits Quarterly, 1997 –

Society of Actuaries Task Force on Phased Retirement, 2004 – 2007

American Academy of Actuaries Task Force on Retirement Age, 2004 – 2007

Sustained Excellence Award, AARP, for work on Beyond 50 report, 2002

Book translated into Japanese (Social Security Pensions: Development and Reform), 2001

Department of Labor Award — award for work in preparing the Secretary of Labor’s Labor Day Report, 2000

Department of Labor Special Act Award– for work in preparing the Secretary of Labor’s Labor Day Report, 1999

Article selected for The International Library of Critical Writings in Economics, The Economics of Aging (“Population Age Structure and the Size of Social Security”), 1995

Best Article, Journal of Risk and Insurance (“Risk Classification and Sex Discrimination: The Case of Pensions”), annual award of the American Risk and Insurance Association, 1994 (with David D. McCarthy)

Fulbright Scholar, Paris, France, 1994

Who’s Who in the World, 1993 –

Who’s Who in Finance and Industry, 1991 –

U.S. Department of Labor Exceptional Achievement Award, 1990

Research cited in Newsweek, Special Edition, Winter/Spring 1990, p. 104.

JOURNAL REFEREE

American Economic Review, Journal of Political Economy, Review of Economics and Statistics, Public Finance Quarterly, Economic Inquiry, Journal of Human Resources, Journal of Public Economics, Southern Economic Journal, Quarterly Review of Economics and Business, Quarterly Review of Economics and Finance, Journal of Economic Literature, Journal of Risk and Insurance, Journal of Pensions and Finance, Journal of Financial Services Research, International Contributions to Labour Studies, Industrial Relations, Industrial and Labor Relations Review, World Development, International Social Security Review, Benefits Quarterly, Journal of Aging and Social Policy, North American Actuarial Review, Journal of Retirement.

GRANT PROPOSAL AND MANUSCRIPT REVIEW

Social Security Administration, National Institute on Aging, National Science Foundation, National Institutes of Health, Department of Health and Human Services (ASPE), Department of Labor (PWBA, ASP, BLS), American Enterprise Institute, U.S. AID, Social Sciences and Humanities Research Council of Canada, W.E. Upjohn Institute for Employment Research, University of Pennsylvania Press, AARP.

CONFERENCES ORGANIZED

“U.S. Department of Labor-OECD International Conference on Private Pension Policy and Statistical Analysis,” Washington, DC; February 21-23, 1990 (with Lorna Dailey)

“Pension Coverage Issues for the ‘90s.” US Department of Labor, 1993 (with Richard P. Hinz and Phyllis Fernandez)

“Securing Retirement Income: An International Perspective,” Pension Research Council, University of Pennsylvania, Philadelphia, May 5-6, 1994 (with Olivia Mitchell and Zvi Bodie)

“Pensions, Savings, and Capital Markets,” Washington, DC; April 21, 1995 (with Richard P. Hinz and Phyllis Fernandez)

“Social Security Pensions,” ILO Conference, Megève, France, August 20-23, 1998 (with Colin Gillion)
“Imagining the Ideal Pension System,” ENRSP Conference, Washington, DC, September 10, 2010 (with Dana M. Muir)

PUBLICATIONS

Labor Markets for Older Workers

“A Time Series Analysis on Social Security and its Effect on the Market Work of Men at Younger Ages,” Journal of Political Economy 86 (August 1978): 701-715 (with Richard V. Burkhauser).

“The Effects of Pension Policy Through Life” and “Reply,” in Retirement Policy and Further Population Aging, Robert Clark (ed.), 1980, pp.128-142, 150-154 (with Richard V. Burkhauser).

“Income Support Programs and the Pre-Retirement Labor Supply of Older Men,” American Economic Review 72 (May 1982): 304-308 (with Richard V. Burkhauser).

“Social Security, Pre-Retirement Labor Supply, and Saving: A Confirmation and a Critique, “Journal of Political Economy 90 (June 1982): 643-646 (with Richard V. Burkhauser).

“Sex Discrimination in Pension Compensation,” IRRA 43rd Annual Proceedings, 129-138, Industrial Relations Research Association, 1990 (with David D. McCarthy).

“Comments on ‘Pensions and Labor Market Behavior’, by Alan Gustman and Olivia Mitchell” in Pensions and the Economy, edited by Zvi Bodie and Alicia H. Munnell, University of Pennsylvania Press, 1992, pp. 109-113.

“Facing the Inevitable: Demographics and Retirement Income,” Benefits Quarterly (12) 1996.

“Workplaces.” In Futurework: Trends and Challenges for the 21st Century. The Secretary of Labor’s Labor Day Report, Washington, DC: U.S. Government Printing Office, 1999 (with Susan Green).

“Labour Market Effects of Defined Contribution Plans: An International Survey. Australian Journal of Labour Economics 4 (September 2000-2001): 224-231.

“Cash Balance Pension Plans and Older Workers.” AARP Issue Brief IB no. 78, October 2005 (with Jules Lichtenstein). http://assets.aarp.org/rgcenter/econ/ib78_pension.pdf

“Work Options for Older Americans: Employee Benefits for the Era of Living Longer.” Benefits Quarterly (24) Third Quarter 2008, pp. 20-25. Reprinted in Social Issues, Challenges, Opportunities, Innovations, edited by Cheryl Leggon, Cognella, 2010.

“Lifelong Learning for an Aging Population: Lessons from Scandinavia.” AARP Office of International Affairs, April 2008 (with Christian Toft and Hazel Witte).

“Making Volunteer Work Visible: Supplementary Measures of Work in Labor Force Statistics.” Monthly Labor Review, July, 2020 (with 2. Bruce W. Klein and 3. Constance Sorrentino). https://www.bls.gov/opub/mlr/2020/article/making-volunteer-work-visible-supplementary-measures-of-work-in-labor-force-statistics.htm

Annuities

“Automatic Annuitization: New Behavioral Strategies for Expanding Lifetime Income in 401(k)s.” In Automatic: Changing the Way America Saves, edited by William G. Gale, J. Mark Iwry, David John, and Lina Walker. Washington, DC: Brookings Institution Press, 2009, pp. 151-172 (with 1. J. Mark Iwry).

“The Annuity Market and Personal Pensions.” In Gerard Hughes and Jim Stewart (eds.). Personal Choice in the Provision of Retirement Income: Meeting the Needs of Older People? Cheltenham, UK: Edward Elgar, 2009.

“How Does Retirement Planning Software Handle Postretirement Realities?” In Reorienting Retirement Risk Management, edited by Robert L. Clark and Olivia S. Mitchell, Oxford University Press, Oxford, England, 2010, pp. 66-85 (with Anna M. Rappaport (1)).

“Adjusting Social Security for Increasing Life Expectancy: Effects on Progressivity.” 2010. Center for Retirement Research at Boston College WP 2010-9, August (with Courtney Monk 1 and Natalia A. Zhivan 3. http://crr.bc.edu/wp-content/uploads/2010/08/wp2010-9-508.pdf

“Longevity Insurance Annuities in 401(k) Plans and IRAs.” Benefits Quarterly 29 (First Quarter 2013): 58-62 (with David D. McCarthy (2)). https://www.shrm.org/ResourcesAndTools/hr-topics/benefits/Documents/0163295.pdf

“Longevity Insurance: Strengthening Social Security for Older Retirees.” John Marshall Law Review, Spring 2013, 46(3): 843-865.

“Using Behavioral Economics to Encourage Annuitization by 401(k) Participants and IRA Holders.” Benefits Quarterly (29) 2013(3): 16-24.

“Providing Longevity Insurance Annuities: A Comparison of the Private Sector versus Social Security.” Journal of Retirement, Fall 2013, 1(2): 125-131. Providing Longevity Insurance Annuities: A Comparison of the Private Sector versus Social Security | The Journal of Retirement (pm-research.com)

“Longevity Insurance Annuities: Lessons from the United Kingdom.” Benefits Quarterly (30) 2014(1): 39-47 (with David Blake (1)). https://openaccess.city.ac.uk/id/eprint/17148/8/

“Why Don’t People Annuitize? The Role of Advice Provided by Retirement Planning Software.” Journal of Retirement 1(4): 129-134, 2014.

“Demographic Change and Longevity Insurance Benefits for Public Pension Reform.” Poznan Conference Volume, in English and Polish, Marek Szczepański (ed.) 2015, pp. 7-20 (with Gerard Hughes (2)).

“Longevity Insurance Annuities: China Adopts a Benefit Innovation from the Past.” International Social Security Review 2015 68(2): 27-41 (with Tianhong Chen (1)).

“Longevity Insurance Benefits for Social Security: International Experience.” Benefits Quarterly (32) Second Quarter 2016: 43-53 (with Tianhong Chen (1) and Gerard Hughes (2)).

“Longevity Insurance Benefits for Social Security.” Society of Actuaries, 2016.

“Longevity Insurance Annuities: Potential Role in Social Insurance.” 2017. Rozprawy Ubezpieczeniowe. Konsument na rynku usług finansowych nr 25 (3/2017): 3-21 3 Journal of Insurance, Financial Markets and Consumer Protection No. 25 (3/2017): 3-21 (with Gerard Hughes (2), Agnieszka Chłoń-Domińczak (3), and David M. Rajnes (4)).

“Improving Pension Income and Reducing Poverty at Advanced Older Ages: Longevity Insurance Benefits in Ireland and Poland as Models for the United States.” Journal of Retirement Winter 4(3): 96-110, 2017 (with Gerard Hughes (2), Agnieszka Chłoń-Domińczak (3), and David M. Rajnes (4)). Also in Practical Applications 6(1) 2018: 46-51.

“Managing Longevity Risk in Low and Moderate Income Countries: Longevity Insurance Benefits as a Policy Solution.” Journal of Economics and Finance 2018 (with Gerard Hughes (2), Agnieszka Chłoń-Domińczak (3), and David M. Rajnes (4)).

“Top-Up Contributions to Social Security.” Journal of Retirement 7(2): 42-50, Fall 2019.

“Longevity Insurance Benefits for Social Security: International Experience.” In Economic Challenges of Pension Systems – A Sustainability and International Management Perspective, edited by Marta Peris-Ortiz, José Álvarez-García, Inmaculada Domínguez-Fabián, and Pierre Devolder. Springer, 2020, pp. 193-210 (with Gerard Hughes (2), and Agnieszka Chłoń-Domińczak (3).

Provision of Longevity Insurance Annuities.” Financial Analysts Journal 76(4): 119-133, October 2020, with 1. Dale Kintzel. https://www.tandfonline.com/doi/abs/10.1080/0015198X.2020.1809903

“Tontines and Collective Annuities: Lessons from an International Survey.” NYU Review of Employee Benefits and Executive Compensation, 2021, Chapter 4, with 2. Richard K. Fullmer and 3. Jonathan Barry Forman. 

“Understanding Private Sector Longevity Insurance Annuities.” Retirement Income Institute, 2021. https://www.protectedincome.org/wp-content/uploads/2022/02/LR-05-Turner-FN-AH-_12.14.21.pdf

“Robo Tontines.” Journal of Retirement, Summer 2022, with 1. Richard K. Fullmer.  https://jor.pm-research.com/content/early/2022/06/08/jor.2022.1.115

“Robo Tontines Can Help with Asset Decumulation During Retirement.” RetireSecure Blog, 2022, Pension Research Council, Wharton, with Richard K. Fullmer.

Complexity in Financial Markets

“Pension Investors: Complexity in Advisory Fee Disclosures.” In Pension Reforms: Comparison and Evaluation, edited by Marek Szczepański, Publishing House of Poznan University of Technology, 2013, pp. 49-76.

“The Economics of Complexity: Complexity in the Allocation of Governmental Authority for Pensions,” Journal of Economics and Management 21(3) (2015): 21-34 (with Gerard Hughes and Michelle Maher, lead authors).

“Complexity in Risks Facing Pension Plans: Nonmarket Financial Risk in the United States and Poland,” Journal of Economics and Management 21 (2015): 35-57 (with Adam Samborski (1)).

“Strategic Complexity in Investment Management Fee Disclosures.” Financial Services Review, 2016 (Fall) 25(3): 215-234 (with Leslie A. Muller (1)).

“Conflicted Advice About Portfolio Diversification.” Financial Services Review, 2018, 27(1): 47-82. (with Sally Shen (1)). https://globalriskinstitute.org/publications/conflicted-advice-about-portfolio-diversification/

“Automated Advice.” 2018. Securing Future Retirements Essay Collection, Society of Actuaries (with Jill E. Fisch (1) and Marion Labouré (2)). Prize recipient. https://www.soa.org/Library/Essays/2018/securing-future-retirements/2018-securing-future-retirements-fisch-laboure-turner.pdf

“Making a Complex Investment Problem Less Difficult: Robo Target-Date Funds.” 2018. Journal of Retirement 5(4): 40-45 (with 1. Jill E. Fisch)

“The Emergence of the Robo-advisor.” 2019. In The Disruptive Impact of FinTech on Retirement Systems, edited by J. Agnew and O.S. Mitchell, Oxford University Press, pp. 13-37 (with Jill E. Fisch (1) and Marion Labouré (2)). This chapter was selected by Oxford University Press as a top contribution in business innovation. https://repository.upenn.edu/cgi/viewcontent.cgi?article=1010&context=prc_papers

The Economics of Language

“Strategic Complexity in Investment Management Fee Disclosures.” Financial Services Review, 2016 (Fall) 25(3): 215-234 (with Leslie A. Muller (1)).

“Regulating Financial Advice: The Conflicted Role of Record Keepers in Pension Rollovers.” Journal of Retirement, Winter 2018, 5(3), pp. 121-131. https://jor.iijournals.com/content/5/3/121

Behavioral Economics and Pension Policy

“Errors Workers Make in Managing 401(k) Investments,” Benefits Quarterly 19(4) Winter 2003: 75-82.

“Designing 401(k) Plans that Encourage Retirement Savings: Lessons from Behavioral Finance.” AARP Public Policy Institute Issue Brief IB no. 80, 2006.

“A Behavioral Economics Perspective on 401(k) Fee Disclosure.” 2008 Newsletter of ABA Employee Benefits Committee. http://www.abanet.org/labor/ebcomm/newsletter/08/spring/ebc-spring-08.shtml.

“Automatic Annuitization: New Behavioral Strategies for Expanding Lifetime Income in 401(k)s.” In Automatic: Changing the Way America Saves, edited by William G. Gale, J. Mark Iwry, David John, and Lina Walker. Washington, DC: Brookings Institution Press, 2009, pp. 151-172 (with J. Mark Iwry).

“Using Behavioral Economics to Encourage Annuitization by 401(k) Participants and IRA Holders.” Benefits Quarterly (29) 2013(3): 16-24.

“Implications of Behavioral Economics for the SEC Fiduciary Standard and the Regulatory Protection of Pension Participants.” Journal of Retirement, Fall 2018, 6(2): 53-60.

“Complex RMD Policy: Behavioral Economics and Principle-Based Public Policy for Older Retiree Participants.” 2018. American Bar Association Labor and Employment Law Section Employee Benefits Committee Newsletter (with Jennifer Erin Brown (2)).

“Irrational Expectations, Future Social Security Benefits, and Life Cycle Planning.” Journal of Retirement 6(3): 60-68. 2019 (with Saisai Zhang, Gerard Hughes, and David M. Rajnes).

“Issues of Trust: Pension Plans, Participants and Service Providers Over the Past 25 Years.” ENRSP Volume, edited by James Kolaczkowski, Michelle Maher, and Yves Stevens. Edward Elgar, 2021 (with Kamila Bielawska (1) and Sally Shen (2).

“Hispanic/Latinos, Trust, and Pensions.” Aging and Retirement Issues for People of Different Races and Ethnicities: Essay Collection. Society of Actuaries. 2021. https://www.soa.org/resources/research-reports/2021/aging-retirement-different-races/

“Mental Accounting, the Social Safety Net, and Pensions as Piggy Banks.” Journal of Financial Services Professionals 75(6): 53-61, 2021, with 2. Bruce W. Klein.

Financial Advice, Financial Disclosures, the Fiduciary Standard

“Retirement Planning Software and Post-Retirement Risks.” Society of Actuaries and Actuarial Foundation, June 2009 (with Hazel A. Witte). http://www.soa.org/research/pension/retire-planning-software-post-retire-risk.aspx

“Retirement Planning Software.” The Actuary, June/July 2010: 14-18 (with Hazel A. Witte (2)).

“The Market for Financial Advisers.” In The Market for Retirement Financial Advice, edited by Olivia S. Mitchell and Kent Smetters, Oxford, UK: Oxford University Press, 2013, pp. 13-45 (with Dana M. Muir).

“The Persistence of Employee 401(k) Contributions Over a Major Stock Market Cycle: The Limited Power of Inertia.” Benefits Quarterly 2013: 29(3): 51-65 (with Leslie A. Muller (1)).

“Retirement Savings Flows and Financial Advice: Should You Roll Over Your 401(k) Plan?” Benefits Quarterly 30: Fourth Quarter, 2014, pp. 42-54 (with Bruce W. Klein (2)).

“Financial Illiteracy Meets Conflicted Advice: The Case of Thrift Savings Plan Rollovers.” Journal of Retirement Spring 3(4): 47-66 (with Bruce W. Klein (2) and Norman. P. Stein (3))

“The Pension Mis-Selling Scandal, the SEC, and the Fiduciary Standard.” Connecticut Insurance Law Journal 23(1): 263-290.

“Retirement Readiness and the Value of Future Social Security Benefits.” Financial Wellness, Society of Actuaries, 2017. https://www.soa.org/News-and-Publications/Publications/Essays/2017-financial-wellness-essay-collection.aspx

“Retirement Readiness, Social Security Reform, and the Value of Future Social Security Benefits.” Benefits Quarterly 34, Winter 2018, pp. 52-64 (with David M. Rajnes (2) and Dale Kintzel (3).

“The Halloween Candy Problem: An Intuitive Model for the Drawdown Phase of the Life Cycle.” Journal of Retirement, Spring 2019 6(4): 60-67.  The Halloween Candy Problem: An Intuitive Model for the Drawdown Phase of the Life Cycle | The Journal of Retirement (pm-research.com)

“AUM-Based Compensation and Financial Advice.” Journal of Retirement 2020 Fall 8(2): 84-99, with 2. Shelley Giordano. https://jor.pm-research.com/content/8/2/84.abstract

“Robo Advisors for Canadian Pension Participants.” Global Risk Institute, 2021, with 1. Denis Latulippe.

Financial Literacy and Financial Education

“Pension Education: Does It Work? Does It Matter?” Benefits Quarterly (16) 2000: 64-72 (with David D. McCarthy). https://search.proquest.com/openview/ea06be6cff6d126092706e8aca77a7c9/1?pq-origsite=gscholar&cbl=4616

“Financial Literacy and Defined Contribution Pensions: A Global Snapshot on an Unrecognized Problem,” Compensation and Benefits Review, 2012. (with Dana M. Muir).

“Financial Literacy, Education and Advice.” In Social Security and Pension Reform: International Perspectives, edited by Marek Szczepański and John A. Turner, W.E. Upjohn Institute, 2014, pp. 299-324 (with Dana M. Muir (2)).

“Financial Literacy and Financial Advice: Weak Links in Social Security Privatization.” In Old-Age Crisis and Pension Reform: Where Do We Stand, edited by Marek Szczepański, Publishing House of Poznan University of Technology, 2013, pp.157-176.

“Regulating Financial Advice: The Conflicted Role of Record Keepers in Pension Rollovers.” Th Journal of Retirement, Winter 2018, 5(3): 121-131.

“New Approaches to Communicating to Workers About Pensions.” Products, Tools, and Strategies that Address Retirement Risks – Essay Collection. Society of Actuaries, 2020. With Yael Hadass, Marion Labouré, Sally Shen. https://www.soa.org/globalassets/assets/files/resources/research-report/2020/products-tools-strategies-retirement-essays.pdf

“Alternatives to Financial Literacy: Helping Pension Participants to Invest.” Benefits Quarterly, 2021.

Fees and Fee Disclosure

“Turnover, Fees and Pension Plan Performance,” Financial Analysts Journal (November/December 1987): 16-21 (with Richard A. Ippolito (1)).

“Pension Participant Knowledge About Plan Fees.” AARP Data Digest 105, November 2004 (with Sophie M. Korczyk (2)) http://assets.aarp.org/rgcenter/post-import/dd105_fees.pdf

“Fee Disclosure to Pension Participants: Establishing Minimum Standards.” Rotman International Centre for Pension Management, University of Toronto, November 2008 (with Hazel Witte (2)).

“Strategic Complexity in Investment Management Fee Disclosures.” Financial Services Review, 2016 (Fall) 25(3): 215-234 (with Leslie A. Muller (1)).

“A Behavioral Economics Perspective on 401(k) Fee Disclosure.” 2008 Newsletter of ABA Employee Benefits Committee. http://www.abanet.org/labor/ebcomm/newsletter/08/spring/ebc-spring-08.shtml

“Financial Literacy, the ‘High Fee Puzzle,’ and Knowledge About the Importance of Fees.” Journal of Retirement, 2021, with 1. Leslie A. Muller.

“Improving Pension Participants’ Outcomes Through Litigation: Investments and Fees.” New York University Review of Employee Benefits and Executive Compensation, Chapter 2, 2021.

Retirement Systems in China

“Extending Social Security Coverage to the Rural Sector in China.” International Social Security Review 2014 (1): 49-70 (with Tianhong Chen (1)).

“Social Security in China.” In Social Security and Pension Reform: International Perspectives, edited by Marek Szczepański and John A. Turner, W.E. Upjohn Institute, 2014, pp. 217-234 (with Tianhong Chen (1)).

“Social Security Individual Accounts in China: Toward Sustainability in Individual Account Financing.” Sustainability (2014) 6, 5049-5064 (with Tianhong Chen (1)). http://www.mdpi.com/2071-1050/6/8/5049

“Gender and Social Security Pensions in China: Do Pensions Reduce the Compensation Gap?” Sustainability (2015) (with Tianhong Chen (1)). http://www.mdpi.com/2071-1050/7/2/1355

“Fragmentation in Social Security Old-Age Benefit Provision in China.” Journal of Aging and Social Policy 2015 (27, No. 1): 1-16 (with Tianhong Chen (1)).

“Longevity Insurance Annuities: China Adopts a Benefit Innovation from the Past.” International Social Security Review (2015) 68(2): 27-42 (with Tianhong Chen (1)).

“China’s Development of a Multi-tier Pension System.” International Social Security Review 2021 (with Tianhong Chen (1)). https://onlinelibrary.wiley.com/doi/epdf/10.1111/issr.12256#:~:text=China%20has%20made%20a%20number,voluntary%20programmes%20established%20by%20individuals.

Rate of Return Guarantees and Rates of Return

“Pension Rates of Return in Large and Small Plans,” (with David D. McCarthy 1) in Trends in Pensions, edited by John A. Turner and Daniel Beller, U.S. Government Printing Office, 1989, pp. 234-286. (Translated into Japanese in American Pensions, 1991.) (This chapter was submitted by the Internal Revenue Service as evidence in federal tax court.)

“Investment Performance of Union Pension Plans,” Industrial and Labor Relations Review (July 1990): 542-555 (with Stuart Dorsey).

“Guaranteed Defined Contribution Plans.” Contingencies July/August 2000, pp. 77-80.

“Rate of Return Guarantees to Reduce Risk in Defined Contribution Plans.” Actuary 2000 (published in the United Kingdom).

“Rate-of-Return Guarantees for Defined Contribution Plans.” Benefits Quarterly 17(1) First Quarter 2001: 46-53.

“Rate of Return Guarantees in Mandatory Defined Contribution Plans” International Social Security Review 54 (October-December 2001): 49-67 (with David M. Rajnes).

“Rate of Return Guarantees for Social Security Defined Contribution Plans: What Do They Accomplish?” Social Newsletter of the Association of Pension and Social Funds of CIS and Baltic Countries (in Russian) 2001 (with David M. Rajnes).

“The Design of Rate of Return Guarantees for Defined Contribution Plans.” Journal of Pensions Management 7 (September 2001): 55-63.

”Rate of Return Guarantees for Voluntary Defined Contribution Plans.” Risk Transfers and Retirement Income Security, edited by Olivia S. Mitchell and Kent Smetters, Oxford University Press, 2003: 251-267 (with David M. Rajnes).

“Rates of Return Used in Retirement Planning Software.” Benefits Quarterly (28), Fourth Quarter 2012, pp. 33-37.

Finance, Risk and Insurance

“Stock Turnover in Private Pension Portfolios,” in Trends in Pensions 1992, U.S. Government Printing Office, 1992 (with 1 David D. McCarthy).

“Do Pension Investors Have Adequate Protections?  Issues Raised by Enron.”  Quarterly Labor Law Review 2003 (in Japanese).

“Administrative Costs for Social Security Private Accounts.” AARP Fact Sheet No. 120, June 2005.

“Designing 401(k) Plans that Encourage Retirement Savings: Lessons from Behavioral Finance.” AARP Public Policy Institute Issue Brief IB no. 80, 2006.

“Pensions Survivors Insurance for Widows,” Economic Inquiry 26 (July 1988): 403-442.

“Risk Classification and Sex Discrimination: The Case of Pensions,” Journal of Risk and Insurance 60 (March 1993): 85-104 (with David D. McCarthy). The Association of Risk and Insurance chose this article as the best article published in the Journal of Risk and Insurance in 1993.

“U.S. Pension Benefit Insurance,” Benefits Quarterly 9(1) (January 1993): 77-85.

“Prise en Charge du Risque: Régimes à Prestations Définies et Régimes à Cotisations Définies,” La Revue de L’IRES 15 (Eté 1994): 141-158. Also published as “Risk Bearing in Pension Plans,” in International Pensions: Actors, Issues, and the Future, edited by Emmanuel Reynaud, Lucy apRoberts, Bryn Davies, with Teresa Ghilarducci and John Turner, Greenwood Press, 1996.

“Risk Bearing in Individual and Occupational Pension Plans.” In Pay at Risk: Risk Bearing by U.S. and Canadian Workers. Edited by John Turner, W.E. Upjohn Institute for Employment Research, 2001 (with James Pesando).

“Risk Bearing in Social Security.” In Pay at Risk: Risk Bearing by U.S. and Canadian Workers. Edited by John Turner, W.E. Upjohn Institute for Employment Research, 2001.

“Risk Bearing in Wages.” In Pay at Risk: Risk Bearing by U.S. and Canadian Workers. Edited by John Turner, W.E. Upjohn Institute for Employment Research, 2001.

“Risk Sharing through Social Security Retirement Income Systems: A Comparison of Canada and the United States” Employment Research (October 2001): 5-6.

“Large Declines in Defined Benefit Plans Are Not Inevitable: The Experience of Canada, Ireland, the United Kingdom, and the United States.” Pensions Institute, 2008, with 2. Gerard Hughes. http://www.pensions-institute.org/wp-content/uploads/2019/workingpapers/wp0821.pdf

“Pension Policy for Financial Crises: Experience in Ireland, the UK and the US.” In Yves Stevens (ed.), Promoting Pension Rights in Times of Economic Turmoil. Cambridge, UK, Intersentia, pp. 99-122, 2011 (with Gerard Hughes).

“Hybrid Pensions: Risk Sharing Arrangements for Pension Plan Sponsors and Participants.” Society of Actuaries.2014. https://www.soa.org/research/research-projects/pension/hybrid-pensions-risk-sharing.aspx

“Operation De-Risk: Creative Arrangements for Sharing Risks.” The Actuary, August-September 2015: pp. 38-44 (with Conrad Ferguson, Ragish Sagoenie, and Mark-Anthony Macharia).

“Determining Discount Rates Required to Fund Defined Benefit Plans.” Society of Actuaries (with Humberto Godinez-Olivares (2), David D. McCarthy (3), and María del Carmen Boado-Penas (4)). https://www.soa.org/Research/Research-Projects/Pension/determining-discount-rates.aspx

“Improving on Defaults: Helping Pension Participants Manage Financial Market Risk in Target Date Funds.” Risks, 2021 9(4): 79, with Bruce W. Klein. https://www.mdpi.com/2227-9091/9/4/79#cite

Fintech

“Fintech and the Retirement Savings System.” 2021. Society of Actuaries. With 1.Yael Hadass, 2. Marion Laboure and 3. Sally Shen. Fintech and the Retirement Savings System (soa.org)

“The Suitability of Securities Token Offerings, Cryptocurrencies, and Crypto-Related Assets for Pension Investments” as a chapter in the book Digital Assets: Pricing, Allocation and Regulation, 2022.

“Identity Authentication versus Criminal Counter-Innovations: Pension Account Security,” Benefits Quarterly 88, Fourth Quarter, 2022, pp. 34-41 (with Sally Shen (1).

Pension and Social Security Policy

“Pensions and Inflation,” IRRA 32nd Annual Proceedings, Industrial Relations Research Association, 1979, pp. 50-56.

“Inflation and the Accumulation of Assets in Private Pension Funds,” Economic Inquiry 19 (July 1981): 410-425.

“Population Age Structure and the Size of Social Security,” Southern Economic Journal 50(4) (April 1984): 1131-1146. Reprinted in The Economics of Ageing, The International Library or Critical Writings in Economics 51, edited by John Creedy, Edward Elgar Publishing Ltd., United Kingdom, 1995.

“Financing Social Security,” Review of Social Economy 42 (October 1984): pp. 105-116.

“Demand and Supply in the Political Market,” Studies in Economic Analysis 11 (Spring 1987): 3-17.

“Social Security Benefits and the Baby Boom Generation,” American Economic Review 78 (May 1988): 76-80 (with Tabitha Doescher).

“Major Trends in Pensions,” in Trends in Pensions, edited by John A. Turner and Daniel Beller, U.S. Government Printing Office, 1989, (with Daniel Beller), (translated into Japanese in American Pensions).

“Private Pension Systems in Advanced Countries: Systems and Plans in the USA,” (in Japanese) Aging and Work 10 (December 1991): 86-92 (with Noriyasu Watanabe).

“An Overview of Employer-Provided Health Benefits in the United States” (with William Wiatrowski and Daniel Beller), in Trends in Health Benefits (edited by John A. Turner, William J. Wiatrowski and Daniel J. Beller), U.S. Government Printing Office 1993, pp. 1-8.

“Issues in U.S. Pension Policy,” (in Japanese) Aging and Work 11 (February 1993): 14-30 (with Sophie M. Korczyk).

“Current Issues in U.S. Pension Policy,” (in Japanese) Monthly Social Security (January 1994) 34-41.

“Baby Boomers in Retirement,” Contingencies (March/April 1994): 20-23 (with Richard P. Hinz).

“Enterprise and the State: Interactions in the Provision of Employees’ Retirement Income in the United States,” in Enterprise and the State, edited by Martin Rein and Eskil Wadsenjo, 1997 (with Lucy apRoberts).

“Work, Family, State and Market,” Liens Socials et Politiques (with Martin Rein, in French). Also published in the International Social Security Review 52 (March 1999): 93-106, in English, French, Spanish and German.

“Mandatory Defined Contribution Pensions: Progress or Regression?” International Social Security Review 53 (2000): 25-36.

“The Historical Development of Pensions.” In Encyclopedia of Aging, third edition (ed. David J. Ekerdt). New York: Macmillan Reference USA, 2002, also translated into French and Japanese (with Amy Shannon). Revised in Fourth edition, 2005 (editor Richard Schulz, Springer Publishing Company).

“Public-Private Interactions: Mandatory Pensions in Australia, the Netherlands and Switzerland,” Review of Population and Social Policy No. 10 (2001): 1-47 (with Martin f). Also published in Japanese in Kaigai Shakai Hosho Kenkyu (Journal of Overseas Social Security Research, August 2001. Also published in The Three Pillars of Wisdom? A Reader on Globalization, World Bank Pension Models and Welfare Society, edited by Arno Tausch, New York: NOVA Science Publishers Inc., 2003, pp. 149-186

“The Role of AARP in U.S. Society,” Quarterly Labor Journal 198 (2002) (in Japanese).

“AARP Policy Towards Social Security and Pensions,” Human Well-Being, 11 (February 2002): 135-151, (in Japanese, with Laurel Beedon).

“ISO Lost Pensions.” Contingencies March/April 2002, pp. 72-74 (with David Blake).

“Lost Pensions and Lost Pensioners.” Benefits Quarterly 18(3) Third Quarter 2002, pp. 51-64 (with David Blake).

“Voluntary Carve Outs for Social Security Reform,” Quarterly Labor Law Review 201 (2002): 87-96 (with David Blake, in Japanese).

“Let Lost Retirement Money Revert to Social Security.” Contingencies May-June 2003: 26-29 (with Ellen A. Bruce). Reprinted in Pension Funds, edited by the Institute of Chartered Financial Analysts of India, 2004.

“Are Cash Balance Plans Defined Benefit or Defined Contribution Plans?” Benefits Quarterly 19(2) (Second Quarter 2003) 71-75.

“Lost Pension Money: Who is Responsible? Who Benefits?” John Marshall Law Review 37(3) (Spring 2004): 695-726 (with Ellen A. Bruce).

“Lost Pensions: An Empirical Investigation.” Benefits Quarterly (21) 2005, vol. 21(1) (with Ellen A. Bruce and Dongsoo Lee).

12 Myths About Individual Accounts for Social Security Reform. Upjohn Institute. 2006.  https://research.upjohn.org/cgi/viewcontent.cgi?article=1113&context=empl_research

“Wider Net is Cast for Lost Pensions.” AARP Bulletin, March 2007, p. 4.

“The Search for Better Solutions.” Benefits Quarterly (26) Q3 2010, pp. 19-21.

“Lost Pension Registries in the U.K. and Australia.” 2012. Pension Rights Center. http://www.pensionrights.org/publications/fact-sheet/lost-pension-plan-registries-uk-and-australia

“Financial and Political Sustainability for Social Security Financing: What Options Do Countries with Aging Populations Have?” In Social Security Systems Against the Challenges of Demographics and Market, edited by Marek Szczepański, Tomasz Brzeczek, and Malgorzata Cajowiak. Poznan, Poland: Publishing House of Poznan University of Technology, 2014, pp. 47-54.

“An International Assessment of Regulatory Capture and Regulatory Outcomes: The Case of Pension Regulators in Ireland and the United States.Journal of Financial Regulation and Compliance 2017 (with Gerard Hughes and Michelle Maher).

“Social Security Policy Procrastination: A Behavioral Economics Response.” Journal of Retirement Summer 2017, 5(1): 32-47.

“Irrational Expectations, Future Social Security Benefits, and Life Cycle Planning.” Journal of Retirement Winter 2019, 6(3):60-68. (with Saisai Zhang Hughes and David M. Rajnes).

“Social Security Retirement Policy in Canada and the U.S: Different Reforms, Different Outcomes.” Canadian Public Policy/Analyse de politiques. 2020 (with Denis Latulippe).

“The Evolution of the Spanish Private Pension System: 1994-2019.” ENRSP volume edited by James Kolaczkowski, Michelle Maher, and Yves Stevens. Edward Elgar, 2020 (with Inmaculada Domínguez Fabián (1)).

“The Evolution of the U.S. Pension System: 1994-2019.” ENRSP volume, edited by James Kolaczkowski, Michelle Maher, and Yves Stevens. Edward Elgar, 2020 (with Jonathan Barry Forman (1) and Dana M. Muir (2)).

“War and Pensions: The Effects of War on Social Security and Employer-Provided Pensions.” 2020. International Journal of Economics and Finance 12(2) 45-55 (with Gerard Hughes, David M. Rajnes, and Michelle Maher). http://www.ccsenet.org/journal/index.php/ijef/issue/view/0/2262

“The Declining Role of Family in the U.S. Retirement Income System.” Society of Actuaries. https://www.soa.org/globalassets/assets/files/resources/essays-monographs/2019-family-structure/2019-family-structure-turner.pdf

“Why Is There So Much Pre-Retirement Liquidity in the U.S. Pension System?” NYU Review of Employee Benefits and Executive Compensation. 2020, pp. 3-1 – 3-38. With 1 Kathryn L. Moore.

Turner, John A. and David Rajnes. 2021. ‘‘Workers’ Expectations about their Future Social Security Benefits: How Realistic Are They?” Social Security Bulletin 81, 4. https://www.ssa.gov/policy/docs/ssb/v81n4/v81n4p1.html

“Pension Policies.” International Handbook of Population Policies, edited by John May, Springer, 2022.

“Sample Selection Bias Due to Differential Mortality: A Supplementary Measure of Old-Age Poverty.” Journal of Aging & Social Policy, 2022 3(4); 496-514 (with 1. Leslie A. Muller). DOI: 10.1080/08959420.2021.1926196, https://www.tandfonline.com/doi/abs/10.1080/08959420.2021.1926196?journalCode=wasp20

“Why Do Why Do People Make Big Mistakes? Lessons from Covid Vaccine Hesitancy for Helping Pension Nonparticipants.” Benefits Quarterly, 2023 (with Barbara A. Smith).

Retirement Tax Policy

“Life-Cycle Welfare Costs of Social Security,” Public Finance Quarterly 9 (April 1981): 123-142 (with Richard V. Burkhauser).

“Can Twenty-Five Million Americans Be Wrong? — A Response to Blinder, Gordon, and Wise,” National Tax Journal 34 (December 1981): 467-472 (with Richard V. Burkhauser).

“Is the Social Security Payroll Tax a Tax?” Public Finance Quarterly 13 (July 1985): 253-267 (with Richard V. Burkhauser).

“Pensions, Tax Treatment,” in Joseph Cordes, Robert Ebel and Jane Gravelle (eds.), Encyclopedia on Taxation and Tax Policy, Urban Institute, 1999, pp. 276-278. Updated for 2004 edition.

“Labor Market Effects of Canadian and U.S. Pension Tax Policy,” in Steven Woodbury and William Alpert (eds.), Employee Benefits and Labor Markets in Canada and the United States, 2000, pp. 413-450 (with James Pesando).

”Strategies to Reduce Contribution Evasion in Social Security Financing.” World Development 29 (2001): 385-393 (with Clive Bailey).

“US Occupational Pension Reform: Increases in Contribution Limits,” Trends in Social Security 2002 (with Amy Shannon).

“Equity in the Distribution of Tax Preferences for Pensions: Capping the Amount Allowable in Tax-Preferenced Retirement Plans.” Florida Tax Review 15:2 (2014): 89-107 (with Norman P. Stein).

“Defined Contribution Plans with Large Individual Account Balances.” Journal of Retirement 1(3): 113-123 (Winter 2014) (with David D. McCarthy (2) and Norman P. Stein (3)).

“Pension Tax Subsidies for the Super Rich,” Benefits Quarterly, (32) 2016(3): 21-31(with David D. McCarthy (2) and Norman P. Stein (3)).

“Complex RMD Policy: Behavioral Economics and Principle-Based Public Policy for Older Retiree Participants.” 2018. American Bar Association Labor and Employment Law Section Employee Benefits Committee Newsletter (with Jennifer Erin Brown (2)).

“Policy Proposals for Simplifying the Required Minimum Distribution (RMD) Policy.” Benefits Quarterly Third Quarter 2019: 40-48.

“Taxation of U.S. Pensions: The Importance of Exceptions.” NYU Review of Employee Benefits and Executive Compensation. 2019 pp. 2.1-2.12.

“Simplifying Tax Liability in IRAs and 401(k) Plans with Both Pre- and Post-Tax Contributions.” NYU Review of Employee Benefits and Executive Compensation. 2019, pp. 7.1-7.13 (with Brian Cooper (2)).

Retirement Age Policy

“Pensions and Retirement,” in Handbook on Employment and the Elderly, edited by William Crown, Greenwood Press, 1996, pp. 165-181 (with Tabitha Doescher).

“Partial Retirement in OECD Countries: What Works.” International Labour Review 139 (2000): 179-195 (with Denis Latulippe (1)).

“A Comparison of Early Retirement Pensions in the U.S. and Russia: The Pensions of Musicians.” Journal of Aging and Social Policy 17 no. 4 2005, with Roy Guenther.

“Longevity and Retirement Age in Defined Benefit Pension Plans.” In Work Options for Older Americans, edited by Teresa Ghilarducci and John Turner, Sloan Foundation, 2007, pp. 212-231 (with Dana M. Muir).

“Raising the Retirement Age in OECD Countries.” In Work Options for Older Americans, edited by Teresa Ghilarducci and John Turner, Sloan Foundation, 2007, pp. 359-369 (with Yung-Ping Chen).

“Comments on Munnell.” In Work Options for Older Americans, edited by Teresa Ghilarducci and John Turner, Sloan Foundation, 2007.

“Mortality and Pension Liabilities.” In Proceedings of the Society of Actuaries Conference on Pension Funding. 2006.

“Why Are Older Americans Working More?” LERA 58th Annual Proceedings, pp. 25-31, 2007.

“Social Security Pensionable Ages in OECD Countries: 1949-2035,” International Social Security Review 60(1) (2007): 81-99.

“Raising the Pensionable Age in Social Security.” In Big Choices: The Future of Social Security, edited by Kenneth S. Apfel and Betty Sue Flowers. University of Texas at Austen, 2007, pp. 163-177.

“Promoting Work: Implications of Raising Social Security’s Early Retirement Age.” Center for Retirement Research at Boston College, Series 12, August 2007.

“Travailler plus vieux, plus longtemps: les politiques d’emploi aux Etats-Unis” (“Working to Older Ages: Employment Policy in the United States.” Chronique Internationale de l”IRES” 109 (November 2007): 138-147.

“Labor Market Uncertainty and Pension System Performance.” In Performance of Privately Managed Pension Funds, edited by Richard P. Hinz, Heinz P. Rudolf, Pablo Antolin and Juan Yermo. Washington, DC: World Bank (2010), pp. 119-158 (with Olivia S. Mitchell). https://openknowledge.worldbank.org/bitstream/handle/10986/2405/527090PUB0pens101Official0Use0only1.txt?sequence=2

“Partial Retirement and Pension Policy in Industrialized Countries,” in Work and Pension—Phased and Partial Retirement, edited by József Mészáros, Hungarian State Treasury, 2019, pp. 9-16 (with Denis Latulippe, Kamila Bielawska, and Kathleen Peery).

Pension and Social Security Coverage in the U.S. and Internationally

“Pension Coverage: An Overview of Policy Issues,” in Pension Coverage Issues for the 90’s. Washington, D.C.: U.S. Government Printing Office, 1994 (with Richard P. Hinz).

“Pension Coverage Initiatives: Why Don’t Workers Participate?” in Living with Defined Contribution Plans, edited by Olivia S., Mitchell and Sylvester J. Schieber. Philadelphia: University of Pennsylvania Press, 1998, pp. 17-37 (with Richard P. Hinz (1)).

“Measuring the Sensitivity of Pension Coverage Rates to Changes in Marginal Tax Rates,” Proceedings, National Tax Association, 1997 (with Patricia B, Reagan (1)).

“Did the Decline in Marginal Tax Rates During the 1980s Reduce Pension Coverage?” in Steven Woodbury and William Alpert (eds.), Employee Benefits and Labor Markets in Canada and the United States, 2000. Kalamazoo, MI: W.E. Upjohn Institute for Employment Research, pp. 475-496 (with Patricia B. Reagan (1)).

“Extending Private Pension Coverage in a Middle Income Country: The Case of Brazil.” Journal of Aging and Social Policy 13 No. 4 (2002): 91-104.

“Pathways to Pension Coverage.” In Reforming Pensions in Europe: Evolution of Pension Financing and Sources of Retirement Income, edited by Gerard Hughes and James Stewart, Edward Elgar Press, pp. 285-300, 2004 (with Martin Rein).

“How Societies Mix Public and Private Spheres in their Pension Systems.” In Rethinking the Welfare State, edited by Martin Rein and Winfried Schmähl, Edward Elgar Press, Cheltenham, UK; 2004, pp. 251-293(with Martin Rein).

“Defining Participation in Defined Contribution Pension Plans.” Monthly Labor Review (August 2003): 36-43 (with Leslie A. Muller (2) and Satyendra Verma (3)). https://www.bls.gov/opub/mlr/2003/08/art3full.pdf

“Designing 401(k) Plans that Encourage Retirement Savings: Lessons from Behavioral Finance.” Benefits Quarterly 22(4) Fourth Quarter 2006: 24-36.

“Why Some Workers Don’t Take 401(k) Offers: Inertia versus Economics.” CeRP Working Paper 56-07, 2007 (with Satyendra Verma) (2). http://cerp.unito.it/index.php/en/publications/working-papers/154-why-some-workers-dont-take-401k-plan-offers-inertia-versus-economics

“The Changing Nexus of Investment Decisions: The Switch from Defined Benefit to Defined Contribution Plans.” PREA Quarterly, Summer 2012, pp. 30-33.

“Extending Pension and Savings Scheme Coverage to the Informal Sector: Kenya’s Mbao Pension Plan.” International Social Security Review 2013, 66(2): 79-99 (with Rose Musonye Kwena (1)).

“The Economics of Pension Coverage Policy: An Analysis of MyRAs.” Benefits Quarterly (31) Fall 2015, pp. 45-52 (with Bruce W. Klein (2)).

“The United Kingdom’s New Retirement Savings Program.” 2016. Issue Brief. National Institute on Retirement Security (with Jennifer Erin Brown (2)). http://w 6(ww.nirsonline.org/index.php?option=com_content&task=view&id=952&Itemid=49

“Mandating Pension Auto Enrollment in the United Kingdom: Implications for the United States.” Journal of Retirement 2018 6(1): 82-92 (with Jules Lichtenstein (2) and Jennifer Erin Brown (3)).

“Extending Pension Coverage: Tax Versus Non-Tax Incentives.” ACTA VSFS February 2018, 12: 107-124 (with Joanna Rutecka-Góra (1) and Jaroslav Voastatek (2)).

“Social Security in Arab Countries: A Regional Comparison of the Well-Being of Older People.” Euro-Mediterranean Network for Economic Studies, EMNES Working Paper 030, 2020, with Najat El Mekkaoui and Yeganeh Forouheshfar. https://emnes.org/publication/social-security-in-arab-countries-a-regional-comparison-of-the-well-being-of-older-people/

“Extending Pension Coverage to Encourage Service: Pensions for Long-term Volunteer Firefighters.” Benefits Quarterly, 2023 (with Jonathan Wood).

Women and Pensions

“Are Women Conservative Investors? Gender Differences in Participant-Directed Pension Investments.” In Positioning Pensions for the 21st Century, Michael S. Gordon, Olivia S. Mitchell, and Marc M. Twinney (eds.). University of Pennsylvania Press, 1996, pp. 91-103 (with Richard P. Hinz (1) and David D. McCarthy (2)). https://repository.upenn.edu/cgi/viewcontent.cgi?article=1593&context=prc_papers

“Has the Pension Coverage of Women Improved?” Benefits Quarterly 15 (1999): 37-40 (with William E. Even (1)).

“Women and Pension Investments,” Critical Junctures in Women’s Economic Lives, 2002.

Public Employees’ Pensions

“Reform of Pensions for Federal Government Employees in the United States.” In The Role of the State in Pension Provision: Employer, Regulator, Provider, edited by Gerard Hughes and James Stewart, Kluwer Publishing, 1999 (with David M. Rajnes).

“Privatising Pensions for Government Employees: The United States and the Netherlands.” Benefits Quarterly 17(3) (Third Quarter 2001): 51-56 (with Philip R. DeJong).

“Regulation of Public and Private Pensions.” In Encyclopedia of Aging, (ed. David J. Ekerdt). New York: Macmillan Reference USA, 2002 (with Sophie M. Korczyk).

International Comparisons of Pension Systems

“U.S. Pensions in World Perspective” (with Lorna M.), in Trends in Pensions, edited by John A. Turner and Daniel Beller, U.S. Government Printing Office, 1989. (Translated into Japanese in American Pensions, 1991.)

“Issues in the Development of Internationally Comparable Pension Statistics,” Benefits and Compensation International 19 August 1989), 16-23 (with Lorna M. Dailey).

“The Use of International Private Pension Statistics for Policy Analysis.” In Pensions and the Economy, edited by Zvi Bodie and Alicia H. Munnell, University of Pennsylvania Press, 1992 (with Lorna M. Dailey).

“Private Pension Coverage in Nine Countries,” Monthly Labor Review 115 (May 1992): 40-43 (with Lorna M. Dailey).

“Paying for Pensions: An International Comparison,” Benefits Quarterly 8(4) Fourth Quarter 1992, pp. 6-14 (with Lorna M. Dailey).

“U.S. Pensions in World Perspective, 1970-89,” in Trends in Pensions 1992, edited by John A. Turner and Daniel J. Beller. U.S. Government Printing Office, 1992, pp. 11-34 (with Lorna Dailey).

“‘Pay or Play’ Pensions in Japan,” Contingencies (November/December 1994): 63-65 (with Noriyasu Watanabe and David M. Rajnes).

“’Pay or Play’ Pensions in Japan and the United Kingdom,” in Social Security: Time for a Change, edited by Kevin Stephenson, JAI Press, 1995, pp. 87-103 (with David M. Rajnes).

“Social Security, Pensions, Disability, and Retirement: An International Perspective.” In Handbook on Employment and the Elderly, edited by William Crown, Greenwood Press, 1996, pp. 110-127 (with Stuart Dorsey).

“Sharing Responsibility for Retirement Income in the United States and Canada,” ISSA European Series of Documentation of Social Security, 2000.

“Social Security Reform Around the World,” Social Newsletter of the Association of Pension and Social Funds of CIS and Baltic Countries (in Russian- Реформа социального обеспечения во всем мире) 2001.

“Social Security Development and Reform Around the World.” In The Three Pillars of Wisdom? A Reader on Globalization, World Bank Pension Models and Welfare Society, edited by Arno Tausch, New York: NOVA Science Publishers Inc., 2003, pp. 69-84.

“Social Security Reform: A Global Perspective,” Employee Rights and Employment Policy Journal 6 (2002): 84-91.

“Social Security Reform in Africa: A Brief Review,” Journal of Aging and SocialPolicy 14 No. 1 (2002), pp. 105-114 (with Clive Bailey (1)).

“Social Security Reform in the Middle East: A Brief Review,” Journal of Aging and Social Policy 14 No. 1 (2002), pp. 115-124 (with Jules H. stein (2)).

“Social Security Reform in Asia and the Pacific: A Brief Overview,” Journal of Aging and Social Policy 14 No. 1 (2002): 95-104.

“Administering Individual Accounts: Lessons from Sweden.” Quarterly Labor Law Review 201 (2002): 72-86 (in Japanese). Also published in Pension Policy for the Twenty-First Century, edited by Noriyasu Watanabe, 2003 (in Japanese).

“Individual Pension Accounts: The Innovative Swedish Reform.” Ohio State Law Journal 65:1 (Winter 2004): 27-44.

“Individual Accounts: Lessons from Sweden.” International Social Security Review 57(1) (2004): 65-84.

“Economic Resources: Implications for Aging Policy in Asia.” In Handbook of Asian Aging, edited by Hyunsook Yoon and Jon Hendricks (with Yung-Ping Chen) 2005, pp. 67-90.

“Social Security Privatization Around the World.” The ICFAI Journal for Employment Law (India) IV:3 (2006): 56-69.

“Lessons for Private Sector Retirement Security from Australia, Canada, and the Netherlands.” National Institute on Retirement Security (NIRS) Issue Brief, July 2013 (with 2. Nari Rhee).

“Social Security in East Africa.” In Social Security and Pension Reform: International Perspectives, edited by Marek Szczepański and John A. Turner, Upjohn Institute, 2014, pp. 235-268.

“Social Security and Pension Trends Around the World.” In Social Security and Pension Reform: International Perspectives, edited by Marek Szczepański and John A. Turner, Upjohn Institute, 2014, pp. 13-38 (with 2. David M. Rajnes).

“Social Security and Pension Reform: The Views of Sixteen Authors.” In Social Security and Pension Reform: International Perspectives, edited by Marek Szczepański and John A. Turner, Upjohn Institute, 2014, pp. 3-12 (with Marek Szczepański).

Reform of Retirement Income Systems in the U.S. and Internationally

“Can Private Pensions Fill the Gap?” Ageing International 22 (June 1995), pp. 38-43 (with David M. Rajnes).

“Retirement Income System Reform in Central and Eastern Europe,” Benefits Quarterly 12(1) First Quarter 1996, pp. 49-58 (with 1. David M. Rajnes) (translated into Russian for CNC Inc. briefing of delegation from Uzbekistan).

“Private Pension Systems in Transition Economies,” in Securing Employer-Provided Pensions: An International Perspective, edited by Zvi Bodie, Olivia Mitchell, and John Turner, University of Pennsylvania Press, 1996, pp. 193-210 (with David M. Rajnes).

“Privatization of Retirement Income,” in The State of Social Welfare, 1997, pp. 283-296, edited by Peter Flora, Philip R. De Jong, Julian Le Grand and Jun-Young Kim. Ashgate Publishing Ltd., 1998 (with David M. Rajnes).

“U.S. Social Security Reform,” Quarterly Labor Journal 2002 (in Japanese).

“US Private Pension System.” In Complementary & Private Pensions Throughout the World, 2001, (updated in 2003) edited by the International Social Security Administration, pp. 187-192 (with Amy Shannon).

“Individual Accounts for Social Security Reform: Lessons from the United Kingdom.” Benefits Quarterly 32 (2007): 56-61 (with David Blake).

“Comments on ‘The United Kingdom’ by Alex Beer.” In International Perspectives on Social Security Reform, edited by Rudolph G. Penner, Washington, DC: The Urban Institute, 2007, pp. 127-130.

“Autopilot: Self-adjusting Mechanisms for Sustainable Retirement Systems.” 2007. Society of Actuaries. http://retirement2020.soa.org/Files/self-adjustment-mechanisms8.pdf

“Constructing the Ideal Pension System: The Views of Nine Country Experts.” Benefits Quarterly (28) 2012, 37:4, pp. 7-12 (with Dana M. Muir).

“Modernizing the Pension Eligibility Age for the U.S. Military.” Journal of Retirement 2016 (3): 116-127 (with Bruce W. Klein).

“Social Security Old-Age Benefits in Four OECD Countries: Policy Lessons for the United States.” Journal of Retirement 4(2): 90-112 (with David M. Rajnes). A short version appears as “Social Security Old-Age Benefits in Four OECD Countries: Policy Lessons for the United States”, Practical Applications, 2017, 4(4): 22-25.

“Improving on Defaults: Helping Pension Participants Manage Financial Market Risk in Target Date Funds.” Risks, 2021 9(4): 79, with Bruce W. Klein. https://doi.org/10.3390/risks9040079

BOOKS

Trends in Pensions (coedited with Daniel Beller) 1989, U.S. Government Printing Office, 498 pp. (Translated into Japanese under the title American Pensions in 1991 by the Japanese Study Group on the American Pension System. Received Department of Labor Outstanding Achievement Award. Reprinted in part (pp. 452-481) in Managing Corporate Pension Plans by Dennis E. Logue, HarperCollins Publishers, 1991.)

Pension Policy: An International Perspective (coedited with Lorna Dailey) 1990, U.S. Government Printing Office, pp. 308.  https://play.google.com/store/books/details?id=wenvLNNRR08C&rdid=book-wenvLNNRR08C&rdot=1

Trends in Pensions 1992 (coedited with Daniel Beller), 1992, U.S. Government Printing Office, pp. 750.

Pension Policy for a Mobile Labor Force (with chapters by Tabitha Doescher and Phyllis Fernandez), Kalamazoo, MI: W.E. Upjohn Institute for Employment Research, 1993, pp. iii-215.

Trends in Health Benefits (coedited with Daniel Beller and William Wiatrowski), U.S. Government Printing Office 1993, pp. vii-353.

Private Pension Policies in Industrialized Countries (with Noriyasu Watanabe (1)), Kalamazoo, MI: W.E. Upjohn Institute for Employment Research, 1995, pp. x-171. Selected by the Society of Actuaries as mandatory reading for an actuarial examination.

Securing Employer-Provided Pensions: An International Perspective (coedited with Olivia Mitchell and Zvi Bodie), Pension Research Council, University of Pennsylvania Press, 1996, pp. xii-334.

Private Pensions: Issues and Actors (assistant editor, with Lucy apRoberts, Bryn Davis, Gerard Hughes, Emmanuel Reynaud, and Teresa Ghilarducci), Greenwood Press, 1996.

Social Security Pensions: Development and Reform (coedited with Colin Gillion, Clive Bailey and Denis Latulippe), Geneva, Switzerland, International Labor Office, 2000, pp. xxv – 769 (translated into Japanese, summary translated into French).

Pay at Risk: Risk Bearing by U.S. and Canadian Workers, Kalamazoo, MI: W.E. Upjohn Institute for Employment Research, 2001 (editor).

Individual Accounts for Social Security Reform: International Perspectives on the U.S. Debate, Kalamazoo, MI: W.E. Upjohn Institute for Employment Research, 2006. This book has been selected by the Society of Actuaries as required reading for an actuarial examination.

Work Options for Older Americans (coedited with Teresa Ghilarducci) Notre Dame, IN: University of Notre Dame, 2007.

Pension Policy: The Search for Better Solutions, Kalamazoo, MI: W.E. Upjohn Institute for Employment Research, 2010.

Longevity Policy: Facing Up to Longevity Issues Affecting Social Security, Pensions, and Older Workers, Kalamazoo, MI: W.E. Upjohn Institute for Employment Research, 2011.

Imagining the Ideal Pension System: International Perspectives (coedited with Dana M. Muir), Kalamazoo, MI: W.E. Upjohn Institute for Employment Research, 2011.

Social Security and Pension Reform: International Perspectives (coedited with Marek Szczepański), Kalamazoo, MI: W.E. Upjohn Institute for Employment Research, 2014. http://www.upjohninst.org/Publications/Titles/SocialSecurityandPensionReform

Sustaining Social Security in an Era of Population Aging. Kalamazoo, MI: W.E. Upjohn Institute for Employment Research, 2016. http://www.upjohn.org/sites/default/files/WEfocus/SustainingSocialSecurity.pdf

REPORTS

Pension Coverage Issues for the ’90s (coedited with Richard P. Hinz and Phyllis Fernandez), U.S. Government Printing Office, 1994, pp. iii-137.

Tajikistan: Social Safety Net Policy Options and Budgetary Implications, International Monetary Fund (restricted circulation), 1995, (with Ke-Young Chu and Gerd Schwartz, translated into Russian).

Pensions, Savings, and Capital Markets (coedited with Richard P. Hinz and Phyllis Fernandez), U.S. Government Printing Office, 1996, pp. vii-161.

“Indonesia’s Social Security System for Employees: A Base Line Study,” report done for the Asian-American Free Labor Institute (AFL-CIO), 1996 (with Lorna Dailey, translated into Indonesian).

Futurework: Trends and Challenges for the 21st Century, The Secretary of Labor’s Labor Day Report, U.S. Government Printing Office, 1999 (Coedited with Lisa Stuart and Barbara Bingham).

BOOK REVIEWS

Controlling the Cost of Social Security, edited by Colin D. Campbell. Southern Economic Journal 51 (October 1984): 638-639.

Social Security Policies in Industrial Countries, by Margaret S. Gordon. Journal of Economic Literature 28 (December 1990): 1979-1980.

 Pensions in a Changing Economy, edited by Richard V. Burkhauser and Dallas Salisbury.  Industrial and Labor Relations Review 47 (1994):  520.

Averting the Old Age Crisis, the World Bank. Industrial and Labor Relations Review 48 (July 1995): 862-863.

Entitlements and the Elderly: Protecting Promises, Recognizing Realities, by Marilyn Moon and Janemarie Mulvey. Industrial and Labor Relations Review (January 1997).

Can We Afford to Grow Older?  A Perspective on the Economics of Aging, by Richard Disney.  International Labour Review 136 (Spring 1997): 129-131 (with Denis Latulippe) (also published in French and Spanish).

Gradual Retirement in the OECD Countries, edited by Lei Delsen and Geneviève Reday-Mulvey. International Labour Review (1998) (with 1. Denis Latulippe) (also published in French and Spanish).

Social Security and Retirement Around the World, edited by Jonathan Gruber and David Wise. Journal of Economic Literature (December 1999): 1725.

New Ideas about Old Age Security, edited by Robert Holzmann. Canadian Journal of Sociology (2002) (with Martin Rein).

Pension Reform in Europe: Process and Progress, edited by Robert Holzmann, Mitchell Orenstein and Michal Rutkowski. Journal of Pension Economics and Finance 2004, pp. 330-331.

Ageing and Pension Reform Around the World: Evidence from Eleven Countries, edited by Giuliano Bonoli and Toshimitsu Shinkawa. Cheltenham, UK: Edward Elgar, 2005. Journal of Pension Economics and Finance 2005.

Reinventing the Retirement Paradigm, edited by Robert Clark and Olivia Mitchell, 2005. International Labour Review 2006.

The Age of Aging: How Demographics are Changing the Global Economy and Our World, by George Magnus, Journal of Pension Economics and Finance, 2010, Volume 9, Issue 1 (January), pp. 61-62.

Pensions in the Health and Retirement Study, by Alan L. Gustman, Thomas L. Steinmeier and Nahid Tabatabai. Industrial and Labor Relations Review, 2011. Pp. 620-621.

Closing the Coverage Gap: The Role of Social Pensions and Other Retirement Income Transfers, edited by Robert Holzmann, David A. Robalino and Noriyuki Takayama. Journal of Pension Economics and Finance, 2011.

The Transformation of the American Pension System: Was It Beneficial for Workers? by Edward N. Wolff. Journal of Economic Literature, 2012.

Retirement Planning Guidebook: Navigating the Important Decisions for Retirement Success by Wade Pfau.  Journal of Retirement, 2021.

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