Pensions, Social Security & Retirement

Income, Assets & Program Participation
Pensions, Social Security & Retirement
Older Men
Decisions about retirement were a main focus of the Older Men surveys. This section first discusses questions about the actual retirement and disability income received by Older Men respondents and their family members. It then describes the series of questions addressed to respondents still in the work force about their expected income and pension benefits after retirement. Finally, this section considers the wide variety of questions asked of respondents regarding their retirement plans, experiences, and attitudes.
Actual pension, retirement, and disability income
Some information about pension income in the previous calendar year was collected in every survey except 1968. In general, most surveys asked about income from a government pension and income from other sources, such as a private employer pension. However, there were variations in the amount of detail recorded and the family members in the household to whom the questions applied. Similarly, every survey except 1968 asked about receipt of Social Security or Railroad Retirement benefits, although the family members referred to in the questions varied across surveys. Tables 1 and 2 summarize the topics and universes of the Older Men pension and Social Security income data collection.
Table 1. Older Men Pension Income Data
Survey year | Universe | Data collected |
1966 | Any family member | Total amount from federal, state, and local government pensions |
1967, 1969 | Any family member | Total amount from government pensions Total amount from all other pensions |
1971, 1976 | Any family member;amounts recorded separately for respondent, wife, and other members | Total amount from government pensions Total amount from all other pensions |
1973, 1975 | Respondent only | Total amount from all pensions |
1978 | Respondent and wife;amounts recorded individually | Total amount from all pensions; sources recorded but amounts by source not specified |
1980 | Respondent and wife;amounts recorded individually | For each of following sources, amount received and whether it had increased, decreased, or remained the same in past 2 years: local government private employer state government union Armed Forces personal plan other federal government other source |
1981 | Respondent and wife Other family members |
Same as 1980 Total amount from all sources |
1983, 1990 | Respondent and wife (or widow and current husband in 1990) | Same as 1980 |
In addition to the information described in the table, the 1966 survey asked whether any family member was eligible for a pension from a source other than the government; actual income amounts from such a pension were not collected. For the respondent only, the 1971 and 1976 other retirement pension series included a series of follow-up questions that identified how many employer-provided pensions the respondent was receiving. For the pension providing the largest income, this series then gathered the age that pension receipt began, the number of service years completed when benefits began, whether retirement occurred voluntarily, and whether the pension would have been larger had work continued with that employer. Specific information on the type of pension plan (e.g., defined benefit, defined contribution) was not collected for this cohort.
Table 2. Older Men Social Security/Railroad Retirement Income and Disability Income Data
Survey year | Universe | Social Security/Railroad Retirement data | Disability income data |
1966, 1967 | Any family member | Total amount | Amount in each category, recorded for respondent and for all other family members combined: Social Security Disability Veteran's compensation Workers' compensation Aid to the Blind/Permanently Disabled Other |
1969, 1971 | Any family member | Amounts recorded separately for respondent, wife, and other members | Same as 1966/1967 |
1973, 1975 | Respondent only | Total amount | -- |
1976, 1981 | Any family member | Amounts recorded separately for respondent, wife, and other members | Same as 1966/1967, but Aid to the Blind/ Permanently Disabled dropped |
1978, 1980 | Respondent & wife | Total combined amount | -- |
1983 | Respondent & wife | Total amount each received individually | Same as 1976/1981 |
1990 | Respondent & wife (or widow & current husband) | Total combined amount if received combined check; otherwise recorded separate amounts | Same categories as 1976/1981; amount of each type received recorded separately for respondent and spouse |
A set of retrospective questions was fielded in 1983 that gathered information on whether the respondent and/or his wife had ever applied for or ever received Social Security Disability benefits, whether benefits had ever been or were currently being received, and, if not, the year such benefits were last received. The 1990 survey of living respondents and of widows of deceased respondents also recorded information regarding on whose work record Social Security/Railroad Retirement benefits were based.
User Notes
Researchers should note that imputed income values are available for 476 of the 503 respondents who were missing Social Security/Railroad Retirement benefit amounts from the 1981 data collection; see variables R05271.10 and R05477.10.
For all income categories, including pensions, Social Security, and disability payments, the 1990 sample person and widow questionnaires gathered information on total amounts received during both the 1989 calendar year and the month before the interview.
Expected pension and retirement income
Several surveys collected information about the income respondents expected to receive after retirement. The initial survey asked whether respondents would be eligible to receive Social Security benefits and whether they would receive retirement benefits from another source. If so, the type of source was recorded (e.g., government, private employee, personal plan, military).
Expected pension benefits for those respondents who were working for a private employer or the government were explored in more detail in 1969, 1971, and 1976. The 1969 survey simply asked whether the respondent expected to receive income from a pension provided by his employer. An expanded series in 1971 and 1976 elicited anticipated retirement ages when the respondent would be eligible for full and reduced benefits, as well as the corresponding monthly income amounts. The respondent was also asked if he would be eligible to receive a benefit and the amount if he were to leave his job today or to retire today. In addition to expected pension benefits, the 1971 and 1976 surveys collected information about the respondent's expected income from Social Security/Railroad Retirement. The respondent reported whether these benefits would be a source of income for him (and his wife) when he reached retirement age; if so, an expected monthly income amount was gathered. Finally, the 1971 and 1976 surveys asked respondents to report the total amount of monthly or yearly retirement income they expected to receive from all sources.
The 1981 survey collected the most detailed information about expected retirement income. In this interview, respondents who had not yet retired were read a list of 10 possible sources of income and asked whether they expected to receive income from each source. Possible income sources included Social Security/Railroad Retirement, current employer pension, past employer pension, personal pension plan, investments, money from children or relatives, Supplemental Security Income, other welfare payments, rental income, or another source. The respondent then reported whether he was eligible to receive Social Security benefits and the amount per month he and his wife expected to receive. Also fielded in 1981 were a series of questions on the respondent's wife's retirement plans and whether she expected to receive income from Social Security (based on her own work record) or from an employer-provided pension; separate amounts for the wife were not collected. Finally, considering all of these sources, including Social Security information already provided, respondents reported their total expected retirement income on either a yearly or monthly basis. Follow-up questions requested information on how much of this total income would come from a current employer pension, a past employer pension, or from Social Security/Railroad Retirement benefits.
User Notes
Researchers should be aware that the same list of 10 sources of retirement income was addressed to two different universes of respondents based on whether they planned to retire; the two series of questions must be combined if information about all respondents is desired.
For a discussion of retirement attitudes and experiences, see the Job Satisfaction & Work Attitudes section.
Survey Instruments & Documentation: Retirement and pension questions were asked in the "Assets and Income," 1966 "Retirement Plans," 1971 and 1976 "Plans for the Future," and 1981 "Retrospective Work History" questionnaire sections; the "Income" section of the 1990 sample persons questionnaire; and the "Income" and "Medical Care Prior to Death" sections of the 1990 widow's questionnaire.
Cohorts
- NLSY97
- Topical Guide to the Data
- Asterisk Tables
- I. Employment, Unemployment, and Job Search (age restrictions as of interview date)
- II. Schooling (age restrictions as of 12/31/96)
- III. Training (age restrictions as of interview date)
- IV. Income, Assets, and Program Participation
- V. Family Formation (age restrictions as of end of previous calendar year--12/31/96 in rd 1, 12/31/97 in rd 2, and so on)
- VI. Family Background (age restrictions as of 12/31/1996)
- VII. Expectations
- VIII. Attitudes, Behaviors, and Time Use
- IX. Health (age restrictions as of 12/31/96)
- X. Political Participation
- XI. Environmental Variables (in main data set)
- Education
- Employment
- Household, Geography & Contextual Variables
- Family Background
- Marital History, Childcare & Fertility
- Income
- Health
- Attitudes
- Crime & Substance Use
- Asterisk Tables
- Intro to the Sample
- Using & Understanding the Data
- Other Documentation
- Codebook Supplement
- Introduction to the NLSY97 Created Variable Appendices
- Appendix 1: Education Variable Creation
- Enrollment Status and Highest Grade/Degree - Appendix 1
- Date Received Diploma or Degree - Appendix 1
- Number of Grades Repeated or Skipped - Appendix 1
- Number of Schools Attended - Appendix 1
- Credits Earned toward Bachelor's/Associate's Degree - Appendix 1
- Date Left High School and Highest High School Grade - Appendix 1
- Private or Parochial School - Appendix 1
- SAT/ACT Scores - Appendix 1
- Training: Receipt of Certificate or Vocational License - Appendix 1
- Appendix 2: Employment Variable Creation
- Appendix 3: Family Background and Formation
- Household Size as of Survey Date - Appendix 3
- Marital Status and Marital/Cohabitation History - Appendix 3
- Fertility and Child Status - Appendix 3
- Number of Residences since Age 12 - Appendix 3
- Current Citizenship Status - Appendix 3
- Mother's Age at First Birth/Respondent's Birth
- Relationship to Household Parent Figures (Round 1 Parent Interview) - Appendix 3
- Relationship to Household Parent Figures (Rounds 7-9 Childhood Retrospective) - Appendix 3
- Relationship to Household Parent Figures (Interview Date) - Appendix 3
- Appendix 4: Geographic Variable Creation
- Appendix 5: Income and Assets Variable Creation
- Appendix 6: Event History Creation and Documentation
- Appendix 7: Continuous Month Scheme and Crosswalk
- Appendix 8: Instrument Rosters
- Appendix 9: Family Process and Adolescent Outcome Measures
- Appendix 10: CAT-ASVAB Scores
- Appendix 11: Collection of the Transcript Data (High School)
- Appendix 12: Post-Secondary Transcript Study
- Attachment 1: Census Industrial & Occupational Classification Codes
- Geocode Codebook Supplement
- Introduction to NLSY97 Geocode Data
- Attachment 100: Census Bureau State and County Codes
- Attachment 101: Metropolitan Statistical Area (MSA)/Core-Based Statistical Area (CBSA) Codes
- Attachment 102: IPEDS Data and College Identification Codes
- Attachment 103: Migration Distance Variables for Respondent Locations
- Attachment 104: Codebook Pages for Geocode and Zipcode Variables
- Questionnaires
- Errata
- Errata for NLSY97 Round 17 Release
- Errata for NLSY97 Round 16 Release
- Addendum: Additional NLSY97 Speech & Post-Secondary Variables Available
- Addendum: NLSY97 Post-Secondary Data and Transcript Data Files Now Available
- Errata for NLSY97 Round 15 Release
- Errata for NLSY97 Round 14 Release
- Errata for NLSY97 Round 13 Release
- Errata for NLSY97 Round 12 Release
- Errata for NLSY97 Round 11 Release
- Errata for NLSY97 Round 10 Release
- Errata for NLSY97 Round 9 Release
- Errata for NLSY97 Round 8 Release
- Errata for NLSY97 Round 7 Release
- Errata for NLSY97 Round 6 Release
- Errata for NLSY97 Round 5 Release
- Errata for NLSY97 Round 4 Release
- Errata for NLSY97 Round 3 Release
- Tutorials
- Technical Sampling Report
- Codebook Supplement
- Get Data
- Topical Guide to the Data
- NLSY79
- Topical Guide to the Data
- Asterisk Tables
- Education
- Employment
- Employment: An Introduction
- Work Experience
- Jobs & Employers
- Class of Worker
- Discrimination
- Fringe Benefits
- Industries
- Job Characteristics Index
- Job Satisfaction
- Job Search
- Labor Force Status
- Military
- Occupations
- Time & Tenure with Employers
- Wages
- Work History Data
- Employer History Roster
- Business Ownership
- Retirement
- Household, Geography & Contextual Variables
- Family Background
- Marital History, Childcare & Fertility
- Income
- Health
- Attitudes
- Crime & Substance Use
- Intro to the Sample
- Using & Understanding the Data
- Other Documentation
- Codebook Supplement
- NLSY79 Attachment 3: Industrial and Occupational Classification Codes
- NLSY79 Attachment 4: Fields of Study in College
- NLSY79 Attachment 5: Index of Labor Unions and Employee Associations
- NLSY79 Attachment 6: Other Kinds of Training Codes
- NLSY79 Attachment 7: Other Certificate Codes
- NLSY79 Attachment 8: Health Codes
- NLSY79 Attachment 100: Geographic Regions
- NLSY79 Attachment 101: Country Codes
- NLSY79 Attachment 102: Federal Information Processing Standards (FIPS)
- NLSY79 Attachment 103: Religion Codes
- NLSY79 Attachment 106: Profiles of American Youth (ASVAB Data/AFQT Scores)
- NLSY79 Appendix 1: Employment Status Recode Variables (1979-1998 and 2006)
- NLSY79 Appendix 2: Total Net Family Income Variable Creation (1979-2014)
- NLSY79 Appendix 3: Job Satisfaction Measures
- NLSY79 Appendix 4: Job Characteristics Index 1979-1982
- NLSY79 Appendix 5: Supplemental Fertility and Relationship Variables
- NLSY79 Appendix 6: Urban-Rural and SMSA-Central City Variables
- NLSY79 Appendix 7: Unemployment Rate
- NLSY79 Appendix 8: Highest Grade Completed & Enrollment Status Variable Creation
- NLSY79 Appendix 9: Linking Employers Through Survey Years
- NLSY79 Appendix 11: Round 12 (1990) Survey Administration Methods
- NLSY79 Appendix 12: Most Important Job Learning Activities (1993-94)
- NLSY79 Appendix 13: Intro to CAPI Questionnaires and Codebooks
- NLSY79 Appendix 14: Instrument Rosters
- NLSY79 Appendix 15: Recipiency Event Histories
- NLSY79 Appendix 16: 1994 Recall Experiment
- NLSY79 Appendix 17: Interviewer Characteristics Data
- NLSY79 Appendix 18: Work History Data
- NLSY79 Appendix 19: SF-12 Health Scale Scoring
- NLSY79 Appendix 20: Round 20 (2002) Early Bird and Income Recall Experiments
- NLSY79 Appendix 21: Attitudinal Scales
- NLSY79 Appendix 22: Migration Distance Variables for Respondent Locations
- NLSY79 Appendix 23: Revised Asset and Debt Variables and Computed Net Worth Variables
- NLSY79 Appendix 24: Reanalysis of the 1980 AFQT Data from the NLSY79
- NLSY79 Appendix 25: Center for Epidemiologic Studies Depression (CES-D) Scale
- NLSY79 Appendix 26: Non-Response to Financial Questions and Entry Points
- NLSY79 Appendix 27: IRT Item Parameter Estimates, Scores and Standard Errors
- NLSY79 Appendix 28: NLSY79 Employer History Roster
- Geocode Codebook Supplement
- Appendix 7: Unemployment Rates
- Appendix 10: Geocode Documentation
- Attachment 100: Geographic Regions
- Attachment 101: Country Codes
- Attachment 102: State FIPS Codes
- Attachment 104, Part A: 1981 Standard Metropolitan Statistical Areas (SMSAs)
- Attachment 104, Part B: 1983 Metropolitan Statistical Areas (MSAs)
- Attachment 104, Part C: 1983 Consolidated MSAs and Associated Primary MSAs (CMSAs and PMSAs)
- Attachment 104, Part D: 1983 PMSAs and Associated CMSAs
- Attachment 104, Part E: 1988 MSAs, CMSAs, and Associated PMSAs
- Attachment 104, Part F: 2004 MSAs, CMSAs, and Associated PMSAs
- Attachment 104, Part G: 2006 Core-Based Statistical Areas (CBSAs)
- Attachment 105: Addendum to FICE Codes
- Attachment 106: Codebook Pages for Geocode and Zipcode Variables
- Questionnaires
- Tutorials
- Errata
- Technical Sampling Report
- School & Transcript Surveys Documentation
- Codebook Supplement
- Get Data
- Topical Guide to the Data
- NLSY79 Child/YA
- Topical Guide to the Data
- Intro to the Sample
- Using & Understanding the Data
- Other Documentation
- Codebook Supplement
- Appendix A: HOME-SF Scales (NLSY79 Child)
- Appendix B: Composition of the Temperament Scales (NLSY79 Child)
- Appendix C: Motor & Social Development (NLSY79 Child)
- Appendix D: Behavior Problems Index (NLSY79 Child)
- Appendix D, Part 1: Composition of the BPI subscales
- Appendix D, Part 2a: BPI Anxious/Depressed Subscale
- Appendix D, Part 2b: BPI Antisocial Subscale
- Appendix D, Part 2c: BPI Dependent Subscale
- Appendix D, Part 2d: BPI Headstrong Subscale
- Appendix D, Part 2e: BPI Hyperactive Subscale
- Appendix D, Part 2f: BPI Peer Conflicts/Withdrawn Subscale
- Appendix D, Part 2g: BPI Full Scale
- Appendix D, Part 3a: BPI Internalizing Subscale
- Appendix D, Part 3b: BPI Externalizing Subscale
- Appendix D, Part 3c: BPI Total Scores
- Appendix E: Sample SPSSx Program for Merging NLSY79 Child/YA & Mother Files
- Appendix F: Sample SAS Program for Merging NLSY79 Child/YA & Mother Files
- Appendix G: NLSY79 Child Assessment Scores, Reference Numbers (2010-2014)
- Appendix H: Identification Codes in the Child and Young Adult Database
- Attachment 100: Codebook Pages for Young Adult Geocode Data
- Questionnaires
- Errata
- Errata for 2014 Child/Young Adult Release
- Data Addition: New Work and School Status Variables Created
- Errata for 2012 Child/Young Adult Release
- Errata for 2010 Child/Young Adult Release
- Errata for 2008 Child/Young Adult Release
- Errata for 2006 Child/Young Adult Release
- Errata for 2004 Child/Young Adult Release
- Errata for 2002 Child/Young Adult Release
- Errata for 2000 Child/Young Adult Release
- Errata for NLSY79 Child Interview Dates 1986-1992
- Research/Technical Reports
- Codebook Supplement
- Get Data
- NLS Mature and Young Women
- NLS Older and Young Men