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Thomas L. Steinmeier


Texas Tech University

Thomas L. Steinmeier is Professor of Economics at Texas Tech University.  He previously taught at Dartmouth College and Oberlin College.  He is a Research Economist at the National Bureau of Economic Research and for fifteen years was a member of the Steering Committee and for most of those years a co-PI of the Health and Retirement Study.  For the last twenty-five years, Steinmeier's research has focused on four central issues in labor economics and the economics of aging: retirement, pensions, Social Security and savings.  Together with Alan Gustman, he has examined how retirement is defined and reasons for the wide differences in retirement behavior among individuals; has investigated incentives observed in pension plans and sharp trends in these incentives over time; has analyzed how pensions and Social Security affect savings behavior, and has considered related public policy questions pertaining to Social Security, pension regulation, and retirement income policies.  Most recently, Steinmeier and Gustman have authored a series of articles using the Social Security earnings histories and employer provided pension data from the Health and Retirement Study to examine how pensions and Social Security affect wealth, saving and retirement behavior of those on the verge of retirement, to study Social Security policies, and to document the extent of and effects of imperfect knowledge of pensions and Social Security.  Together with Nahid Tabatabai and Gustman, Steinmeier has a newly published book from Harvard University Press entitled “Pensions in the Health and Retirement Study”, and an article discussing the likely effects of the recent recession on the wealth of the near retirement population.

Associated Research Projects

UM16-02: The Affordable Care Act as Retiree Health Insurance: Implications for Retirement and Social Security Claiming
UM15-07: Social Security and Pensions in Veterans’ Wealth and Retirement
UM14-01: Distributional Effects of Means Testing Social Security: An Exploratory Analysis.
UM13-07: The Social Security Windfall Elimination and Government Pension Offset Provisions for Public Employees in the Health and Retirement Study
UM12-10: Mismeasurement of Pensions Before and After Retirement: The Mystery of the Disappearing Pensions with Implications for the Importance of Social Security as a Source of Retirement Support
UM12-04: Behavioral Effects of Social Security Policies on Benefit Claiming, Retirement and Saving
UM11-08: How Did the Recession of 2007-2009 Affect the Wealth and Retirement of the Near Retirement Age Population in the Health and Retirement Study?
UM11-06: The Effects of Changes in Women’s Labor Market Attachment on Redistribution Under the Social Security Benefit Formula
UM10-21: Explaining the Growth in Social Security Benefits among the Retirement Age Population
UM10-12: Financial Knowledge And Financial Literacy At The Household Level
UM09-09: How Do Pension Changes Affect Retirement Preparedness?
UM08-03: How Does Modeling of Retirement Decisions at the Family Level Affect Estimates of the Impact of Social Security Policies on Retirement?
UM06-12: Financial Risk, Retirement, Saving and Investment
UM06-02: How Changes in Social Security Affect Retirement Trends
UM05-05: Social Security and Retirement Dynamics
UM05-02: Retirement, Saving, Benefit Claiming and Solvency Under A Partial System of Voluntary Personal Accounts
UM04-01: The Social Security Retirement Earnings Test, Retirement, Benefit Claiming, and the Effects of Abolishing the Earnings Test with and without Individual Accounts.
UM03-13: Understanding Patterns of Social Security Benefit Receipt, Pensions Incomes, Retirement and Saving By Race, Ethnicity, Gender and Marital Status: A Structured Approach
UM03-03: How To Evaluate the Effects of Social Security Policies on Retirement and Saving When Firm Policies Affect the Opportunities Facing Older Individuals
UM02-06: A Structural Model of the Family that Jointly Explains Retirement and Saving Behavior, with Analyses of the Effects of Current and Proposed Social Security Policies In A Family Context
UM02-02: Using the Health and Retirement Study to Simulate the Effects of Voluntary and Mandatory Systems of Social Security Privatization
UM01-02: An Analysis of the Impact of Varying the Social Security Early Entitlement Age and Normal Retirement Age in a Structural Model of Retirement Wealth
UM00-08: Imperfect Knowledge, Retirement and Savings
UM00-01: Social Security and Retirement Behavior Within the Family: Economic Estimate of a Structural Model Using HRS Employer Provided Pension Data and Social Security Earnings Records
UM99-04: Redistribution under the Social Security Benefit Formula Based on Intermittent Work History Versus Low Wage Rates
UM99-02: Social Security Acceptance, Pension Acceptance, Retirement Dynamics and Wealth Accumulation
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