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Olivia S. Mitchell

International Foundation of Employee Benefit Plans Professor

University of Pennsylvania

Olivia S. Mitchell is the International Foundation of Employee Benefit Plans Professor, professor of Business Economics and Public Policy, professor of Insurance and Risk Management, and the executive director of the Pension Research Council at the Wharton School of the University of Pennsylvania. At the University, Dr. Mitchell is also the Director of the Boettner Center on Pensions and Retirement Research. She is a research associate at the National Bureau of Economic Research and a co-investigator for the AHEAD / Health and Retirement Studies at the University of Michigan. Dr. Mitchell's main areas of research and teaching are private and public insurance, risk management, public finance and labor markets, and compensation and pensions, with a US and an international focus. Her extensive research analyzes public and private retirement pensions as well as links between wealth, health, and retirement. Dr. Mitchell recently served on President Bush’s Commission to Strengthen Social Security. Dr. Mitchell has published extensively in the area of saving, pension, and retirement. Her coauthored study on Social Security reform won the Paul A. Samuelson Award for Outstanding Scholarly Writing on Lifelong Financial Security. She received a BA in Economics from Harvard University and an MS and Ph.D. in Economics from the University of Wisconsin-Madison.

Associated Research Projects

UM17-16: Causes and Consequences of Financial Mismanagement at Older Ages
UM16-14: Time Discounting and Economic Decisionmaking Among the Elderly
UM16-05: Older People's Willingness to Delay Social Security Claiming
UM15-05: Social Security Claiming, Life Insurance, and Long-Term Care Insurance: The Impact of Narrow Framing and Loss Aversion
UM14-02: Americans' Willingness to Voluntarily Delay Retirement.
UM13-Q3: Optimal Retirement Plan Design: Variable Annuities with Lifetime Income Guarantees and Investment Downside Protection
UM13-Q2: Technical Review Panel for the PIMS Model
UM13-12: How Family Status Influences Work and Retirement, Saving and Dissaving, Insurance Demand and Portfolio Choice over the Life Cycle
UM13-10: Evaluating Two Technological Interventions Encouraging Retirement Saving
UM13-09: Debt and Debt Management among Older Adults
UM12-22: Retirement in Japan and the United States: Cross-national Comparisons using the Japanese Study of Aging and Retirement (JSTAR) and the U.S. Health and Retirement Study (HRS)
UM11-11: The Impact of the Financial Crisis on Asset Allocation, Annuity Demand, Work Effort, and Retirement Behavior over the Life Cycle
UM11-05: Evaluating Major Reforms in the Innovator Privatization Social Security System
UM10-11: Financial Literacy, Short-run Impatience, and the Determinants of Savings and Financial Management
UM10-10: Borrowing from Yourself: The Determinants of 401(k) Loan Patterns
UM09-07: 401(k) Plan Investment Efficiency: Who Are the Winners and Why?
UM08-20: The Efficiency of Pension Plan Investment Menus: Investment Choices in Defined Contribution Pensions
UM07-11: Investment Patterns and Trading Behavior in 401(k) Pension Accounts
UM06-06: Trading Behavior in Personal Accounts: Lessons from 401(k) Pension Participants
UM05-09: Planning, Financial Literacy, and Retirement Wealth
UM05-01: Social Security Eligibility, Benefit Levels, and Replacement Rates in the HRS
UM04-C1: How Retirement Wealth Shortfalls Change with Age
UM04-12: Self-Annuitization in Personal Accounts: Perspectives from the German Experience
UM04-03: Health and Annuities for the Older Population
UM03-05: How Attractive Are Guarantees In Social Security Personal Retirement Accounts?
UM02-C2: Representative versus Actual Lifetime Earnings Trajectories
UM01-C1: The Influence of Lifetime Earning Variance on Retirement Wealth
UM00-06: Applications, Denials and Appeals for Social Security Disability Insurance
UM99-Q1: Risk Sharing Under Alternative Social Security Reform Proposals
UM99-01: Assessing the Impact of Changes in the Early Social Security Retirement Age
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