Routing for UAS72
intro1 (intro)
In this survey, we would like to know more about your past earnings, savings and expectations about retirement.
numberofpensions := getHRSpreload(3,"numberofpensions") - 1
lw001 := getHRSPreload(3, "lw001", 2)
j338 := getHRSPreload(3, "j338", 2)
jw406 := getHRSpreloadArray(3,"JW406",2, numberofpensions)
lw078 := getHRSPreload(3, "lw078", 2)
dummy := getPlanNames(jw406, j338, lw078, lw001)
db := NO
Loop from 1 to 30
if j338[cnt] in [1,3] then
db := YES
End of if
End of loop
if db = NO then
Loop from 1 to 30
if lw001[cnt] in [1,3] then
db := YES
End of if
End of loop
End of if
dc := NO
Loop from 1 to 30
if j338[cnt] in [2,3] then
dc := YES
End of if
End of loop
if dc = NO then
Loop from 1 to 30
if lw001[cnt] in [2,3] then
dc := YES
End of if
End of loop
End of if
if dateofbirth_year = empty then
dateofbirth_year (R DATE OF BIRTH YEAR)
What is your year of birth?
RANGE 1900..2017End of if
current_age := calcAge(dateofbirth_year, dateofbirth_month, dateofbirth_day)
if current_age = empty then
if agerange = response then
current_age := getMidPoint(agerange)
Else
current_age := 45
End of if
End of if
if 5 in laborstatus then
retired := YES
Else
retired := NO
End of if
ssclaim := getHRSPreload(3, "j478", 1)
if ssclaim = 5 then
ssclaim := 2
End of if
H004_OwnRent := getHRSPreload(2, "H004_OwnRent", 1)
if H004_OwnRent = 1 then
homeowner := 1
elseif H004_OwnRent = 2 OR H004_OwnRent = 3 OR H004_OwnRent = 7 then
homeowner := 2
Else
homeowner := empty
End of if
hrsage := getHRSAge()
uas50_endtime := getPreload("uas50", 1, "endtime")
if uas50_endtime = response then
uas50_completed := 1
uas50_expectedage := getPreload("uas50", 1, "expected_age")
Else
uas50_completed := 2
End of if
uas22_endtime := getHRSPreload(3, "endtime", 1)
uas22_expectedage := getRetirementAge()
if (uas50_endtime = response and uas22_endtime = response) then
if (uas50_expectedage = response and strtotime(uas50_endtime) > strtotime(uas22_endtime)) then
R := uas50_expectedage
Else
R := uas22_expectedage
End of if
elseif (uas50_endtime = response and uas22_endtime = empty) then
R := uas50_expectedage
elseif (uas22_endtime = response and uas50_endtime = empty) then
R := uas22_expectedage
Else
if current_age < 65 then
R := 65
Else
R := current_age + 5
End of if
End of if
j353_age := getHRSPreload(3, "j353_age", 2)
j353 := getHRSPreload(3, "j353", 2)
j903 := getHRSPreload(3, "j903", 2)
j354 := getHRSPreload(3, "j354", 2)
lw035 := getHRSPreload(3, "lw035", 2)
lw098 := getHRSPreload(3, "lw098", 2)
dummy := getMinimumAges(j338, lw001)
a001 (age started working)
How old were you when you first started working for pay? Please only think of work after the current legal working age (14).
if a001 = empty then
age_work := 18
Else
age_work := a001
End of if
age_diff := current_age - age_work
if age_diff > 29 then
a_n := 3
elseif age_diff > 5 then
a_n := 2
Else
a_n := 1
End of if
a_x := ceil(age_diff/a_n)
if a_n = 3 then
temp[1] := current_age - (2*a_x)
temp[2] := current_age - a_x
End of if
Group of questions presented on the same screen
a002_intro
We would now like to ask you some more information about your work since you started working for pay up to now.
What was the year when your work earnings were the highest? And how much were they?
What was the year when your work earnings were the highest? And how much were they?
a002_d (year highest earnings)
a002_e (highest earning)
End of group of questions
Loop from 1 to A_N
Fill code of question 'maximum' executed
Fill code of question 'FL_a002a' executed
a002_a
[Please think about the last ^a_x years.
/Please think about the period between when you were ^age_work and ^maximum.
/Please think about the period between when you were ^temp[1] and ^temp[2].
/Please think about the period between when you were ^age_work and ^temp[1].
] Was there ever a time when you did not work for pay in this period?
/Please think about the period between when you were ^age_work and ^maximum.
/Please think about the period between when you were ^temp[1] and ^temp[2].
/Please think about the period between when you were ^age_work and ^temp[1].
] Was there ever a time when you did not work for pay in this period?
1 (YES) Yes
2 (NO) No
2 (NO) No
if a002_a[cnt] = YES then
a002_b (months not working in period)
How many months in total do you estimate you were not working for pay in this period?
End of if
a002_c (how much making on average per year in period)
Could you please give us an estimate of how much you were making on average per year (before paying taxes) while you were working in this period?
End of loop
a003_a (ever received assets as gift or inheritance)
Throughout your life, did you ever receive valuable assets from family members or other relations such as an inheritance or a monetary gift?
1 (YES) Yes
2 (NO) No
2 (NO) No
if a003_a = YES then
a003_b (total assets received by gift or inheritance)
What would be the total value of all inheritances or gifts you received?
End of if
if retired = NO then
b001_intro
Now we would like to ask you a few questions about your expectations about economic aspects of retirement.
if current_age < 71 then
b001_a (knowledge of future social security retirement benefits)
We would like to know about your thoughts about your future retirement benefits from Social Security. To the best of your knowledge, would you say you know what your future Social Security retirement benefits will be?
1 I know for certain how much they will be
2 I have a guess/estimate
3 I have no idea how much they will be
2 I have a guess/estimate
3 I have no idea how much they will be
Group of questions presented on the same screen
b002_intro
For the next few questions we ask you to think about the possible amount of the Social Security MONTHLY benefit you will receive when you retire. When answering the questions below and any following questions about dollar values, please consider pretax amounts and ignore the effects of inflation. That is, please respond as if a dollar today were worth the same as a dollar anytime in the future:
b002_a (highest amount social security retirement benefits)
What do you think is the highest amount of Social Security retirement benefits you might receive per month?
b002_b (lowest amount social security retirement benefits)
What do you think is the lowest amount of Social Security retirement benefits you might receive per month?
End of group of questions
b_min := b002_b
b_max := b002_a
if b_min = response and b_max = response then
if b_max - b_min > 200 then
b_n := 5
Loop from 1 to 4
b_x[cnt] := number_format((round((b_n-cnt)/b_n * b_min + cnt/b_n * b_max)/10)*10)
End of loop
b003_n := b_n
b003_x := b_x
b003_intro
Now we want to ask you about the chances of you receiving different amounts of Social Security retirement benefits. You will answer putting balls in bins reflecting what you think are the chances out of 20 that your Social Security retirement benefits fall within each amount range. One ball represents one chance out of 20. The more likely you think it is that your benefits fall in a given bin, the more balls you should put in it. If you think an amount is not likely, put no balls in that amount. Below is an illustrative example of how this works.
Let’s assume we are trying to predict how much it will snow during December in a town called Riverside. This graph indicates our prediction: :
In the example shown here, there are 12 out of 20 balls in the 6-8 bin, meaning that the chance that snowfall is between 6 and 8 inches is 12 out of 20 (60 percent). There is a smaller chance, 8 out of 20 (40 percent chance), that snowfall will be between 9 and 12 inches. There are no balls in any bin for less than 5 inches, so we are certain that the amount of snow will be not be less than 5 inches. In the same way, it is certain that there will be no more than 12 inches, because there are no balls in the 12+ bin.
We now want you to think about the chances of your future Social Security retirement benefits amounts. Click next when you are ready to start.
Let’s assume we are trying to predict how much it will snow during December in a town called Riverside. This graph indicates our prediction: :
In the example shown here, there are 12 out of 20 balls in the 6-8 bin, meaning that the chance that snowfall is between 6 and 8 inches is 12 out of 20 (60 percent). There is a smaller chance, 8 out of 20 (40 percent chance), that snowfall will be between 9 and 12 inches. There are no balls in any bin for less than 5 inches, so we are certain that the amount of snow will be not be less than 5 inches. In the same way, it is certain that there will be no more than 12 inches, because there are no balls in the 12+ bin.
We now want you to think about the chances of your future Social Security retirement benefits amounts. Click next when you are ready to start.
b003 (bins balls)
Based on your previous answers, we have chosen 5 bins that indicate possible amounts for your future Social Security retirement monthly benefits. Please think about the chances of each monthly amount.
There are 20 balls that you can put in each of the 5 bins, reflecting what you think are the chances out of 20 that your Social Security retirement benefits fall in each bin. One ball represents one chance out of 20. If you do not put any balls in a bin, it means you are sure that your benefits will NOT be within that range. The more likely you think it is that your benefits fall in a given bin, the more balls you should put in this bin.
Please, put the balls in the bins below to indicate the chances out of 20 that your Social Security retirement benefits fall in each bin
There are 20 balls that you can put in each of the 5 bins, reflecting what you think are the chances out of 20 that your Social Security retirement benefits fall in each bin. One ball represents one chance out of 20. If you do not put any balls in a bin, it means you are sure that your benefits will NOT be within that range. The more likely you think it is that your benefits fall in a given bin, the more balls you should put in this bin.
Please, put the balls in the bins below to indicate the chances out of 20 that your Social Security retirement benefits fall in each bin
if (array_sum(explode("~", b003)) < 20) then
b003_warning
You did not put all the balls in bins. Please go back to complete your answer.
End of if
End of if
End of if
End of if
if (FLPlans = response and ((db = YES AND current_age < R_db) OR dc = YES)) then
b004_intro4
In a previous survey you mentioned that you have at least one pension plan from any present or past employer. You mentioned the following plan/s:
[[]]
We will now ask you a couple of questions about what you expect from these pension plans you have. Press NEXT to answer these questions.
[[]]
We will now ask you a couple of questions about what you expect from these pension plans you have. Press NEXT to answer these questions.
elseif (FLPlans = empty and db = YES AND current_age < R_db AND dc = NO) then
b004_intro1
In a previous survey you mentioned that you have at least one pension plan from any present or past employer that will provide benefits based on a formula involving age, years of service and salary (known as “Defined benefits plans”)
We will now ask you a couple of questions about what you expect from these private retirement plans you have from past or present employment. Press NEXT to answer these questions.
We will now ask you a couple of questions about what you expect from these private retirement plans you have from past or present employment. Press NEXT to answer these questions.
elseif (FLPlans = empty and db = YES AND current_age < R_db AND dc = YES) then
b004_intro2
According to our records, in a previous survey you mentioned that you have at least one pension plan (from any present or past employer) that will provide future benefits based on a formula involving age, years of service and salary (known as Defined Benefits plans).
Our records show that you also mentioned that you have at least one pension, retirement, or tax-deferred retirement savings plan -through your current or past employer - that will provide benefits based on how much money has accumulated in your pension or retirement account, such as a 401(K) or 403(B), often called a Defined Contribution plan.
We will now ask you a couple of questions about what you expect from these different types of pension plans you have from past or present employment. Press NEXT to answer these questions.
Our records show that you also mentioned that you have at least one pension, retirement, or tax-deferred retirement savings plan -through your current or past employer - that will provide benefits based on how much money has accumulated in your pension or retirement account, such as a 401(K) or 403(B), often called a Defined Contribution plan.
We will now ask you a couple of questions about what you expect from these different types of pension plans you have from past or present employment. Press NEXT to answer these questions.
elseif (FLPlans = empty and db = NO AND dc = YES) then
b004_intro3
According to our records, in a previous survey you mentioned that you have at least an account that will provide your benefits based on how much money has accumulated in your pension or retirement account, such as a 401(K) or 403(B), often called a Defined Contribution plan.
We will now ask you a couple of questions about what you expect from these private retirement plans you have from past or present employment. Press NEXT to answer these questions.
We will now ask you a couple of questions about what you expect from these private retirement plans you have from past or present employment. Press NEXT to answer these questions.
End of if
if current_age < R_db then
if db = 1 then
Group of questions presented on the same screen
if db_plans = 1 then
b005_intro1 (when)
Think of your [[]] plan (the type of plan that will provide future benefits based on a formula involving age, years of service and salary).
Please respond as if a dollar today were worth the same as a dollar anytime in the future. Assuming you start receiving these benefits at age [expected retirement age defined benefits[]]:
Please respond as if a dollar today were worth the same as a dollar anytime in the future. Assuming you start receiving these benefits at age [expected retirement age defined benefits[]]:
elseif db_plans > 1 then
b005_intro2 (when)
Think of your plans: [[]] combined. (These type of plans will provide future benefits based on a formula involving age, years of service and salary).
Please respond as if a dollar today were worth the same as a dollar anytime in the future. Assuming you start receiving these benefits at age [expected retirement age defined benefits[]]:
Please respond as if a dollar today were worth the same as a dollar anytime in the future. Assuming you start receiving these benefits at age [expected retirement age defined benefits[]]:
Else
b005_intro3 (when)
Think of any Defined Benefit plans you have (the type of plans that will provide future benefits based on a formula involving age, years of service and salary). If you have more than one plan of this type, please think of all of them together.
Please respond as if a dollar today were worth the same as a dollar anytime in the future. Assuming you start receiving these benefits at age [expected retirement age defined benefits[]]:
Please respond as if a dollar today were worth the same as a dollar anytime in the future. Assuming you start receiving these benefits at age [expected retirement age defined benefits[]]:
End of if
b005_b (highest possible amount)
What do you think is the highest possible amount you will receive per month from this DB plan?
b005_c (lowest possible amount)
What do you think is the lowest possible amount you will receive per month from this plan?
b_extra
This question continues in the next screen.
End of group of questions
b_min := b005_c
b_max := b005_b
b_n := 5
Loop from 1 to 4
b_x[cnt] := number_format((round((b_n-cnt)/b_n * b_min + cnt/b_n * b_max)/10)*10)
End of loop
b005_n := b_n
b005_x := b_x
b005_d (bins and balls db)
We used your two previous answers to compute 5 ranges of possible values for the amount you will receive per month. We would like you to give us your best estimate for the chances the amount falls into each of these bins. Please, put the balls in the corresponding bins below to indicate the chances out of 20 that your defined benefits from these plans fall in each bin. You know how it works!
if (array_sum(explode("~", b005_d)) < 20) then
b003_warning
You did not put all the balls in bins. Please go back to complete your answer.
End of if
End of if
End of if
if uas50_completed != 1 then
if current_age = response then
minimum_age := current_age + 1
Else
minimum_age := 18
End of if
expected_age := R
if expected_age = empty then
expected_age := 100
End of if
if (expected_age - current_age) < 10 then
f002_periods := 1
Else
f002_periods := 2
End of if
Loop from 1 to F002_PERIODS
Fill code of question 'FLRelevantAge[cnt]' executed
Fill code of question 'FLRelevantAge2[cnt]' executed
f002 (how certain reduce working)
In the next few questions, we would like you to think about what your future work experience and annual earnings on average might be [between now and/retirement/between/and/after/age].
Think about the period [from now to/retirement/from/to/after/age]: on a scale from 0 to 100, where 0 means no chance at all and 100 means absolutely certain, how certain are you that you will be working during that period?
You can click on the point on the scale below that best represents your answer or you can also type your answer in the textbox below the scale.
Think about the period [from now to/retirement/from/to/after/age]: on a scale from 0 to 100, where 0 means no chance at all and 100 means absolutely certain, how certain are you that you will be working during that period?
You can click on the point on the scale below that best represents your answer or you can also type your answer in the textbox below the scale.
Group of questions presented on the same screen
f003_intro
When answering the questions below and any following questions about your earnings, please consider pre-tax amounts and ignore the effects of inflation. That is, please respond as if a dollar today is worth the same as a dollar any time in the future.
Assume you do not retire [between now and/retirement/between/and/after/age]:
f003_a (highest amount could earn)
What do you think is the highest amount per year you could possibly earn on average [between now and/retirement/between/and/after/age]?
f003_b (lowest amount could earn)
What do you think is the lowest amount per year you could possibly earn on average [between now and/retirement/between/and/after/age]?
End of group of questions
X_min[cnt] := str_replace(",", "", f003_b[cnt])
X_max[cnt] := str_replace(",", "", f003_a[cnt])
if X_min[cnt] > X_max[cnt] then
f003_warning
Please go back and check your answers. The highest amount you could earn per year should be greater than or equal to the lowest amount
elseif X_min[cnt] < 1000 then
f003_warning2a
You answered $[lowest amount could earn[]] dollars as a minimum. If this is incorrect go back and change it, otherwise click Next.
elseif X_max[cnt] < 1000 then
f003_warning2b
You answered $[highest amount could earn[]] dollars as a maximum. If this is incorrect go back and change it, otherwise click Next.
End of if
if (X_max[cnt] - X_min[cnt]) > 30000 then
n[cnt] := 5
elseif (X_max[cnt] - X_min[cnt]) > 1000 then
n[cnt] := 3
Else
n[cnt] := 0
End of if
if n[cnt] > 0 then
Loop from 1 to (N[CNT]-1)
X_[cnt,cnt1] := (n[cnt]-cnt1)/n[cnt] * X_min[cnt] + cnt1/n[cnt] * X_max[cnt]
if ((X_max[cnt] - X_min[cnt]) < 25000) then
X_[cnt,cnt1] := number_format(round(X_[cnt,cnt1]/1000) * 1000);
Else
X_[cnt,cnt1] := number_format(round(X_[cnt,cnt1]/5000) * 5000);
End of if
End of loop
f004_b (future earnings)
Now we would like you to think again about your future annual earnings from work [between now and/retirement/between/and/after/age]. Based on what you told us before about your possible minimum and maximum earnings during this period, we have chosen [[]] bins. Remember, the more likely you think it is that your average earnings this period will fall in a given bin, the more balls you should put in it. Start putting balls in bins!
NOTE: Remember, you can add or remove multiple balls at the same time by changing the number in the box below the balls. For example, if you change the number in the box to "5" and click a plus button below a bin, 5 balls will be added to that bin. Similarly, if there are 4 balls in a bin and you would like to remove 3, you can enter "3" in the box below the balls and click the minus button below that bin.
NOTE: Remember, you can add or remove multiple balls at the same time by changing the number in the box below the balls. For example, if you change the number in the box to "5" and click a plus button below a bin, 5 balls will be added to that bin. Similarly, if there are 4 balls in a bin and you would like to remove 3, you can enter "3" in the box below the balls and click the minus button below that bin.
f_cnt[cnt] := array_sum(explode("~", f004_b[cnt]))
if (f_cnt[cnt] < 20) then
f_bins_warning
You did not put all the balls in bins. Please go back to complete your answer.
End of if
End of if
End of loop
End of if
if dc = 1 and R < 100 then
Group of questions presented on the same screen
if dc_plans = 1 then
elseif dc_plans > 1 then
Else
End of if
End of group of questions
b_min := b006_b
b_max := b006_a
b_n := 5
Loop from 1 to 4
b_x[cnt] := number_format((round((b_n-cnt)/b_n * b_min + cnt/b_n * b_max)/10)*10)
End of loop
b006_n := b_n
b006_x := b_x
if (array_sum(explode("~", b006_c)) < 20) then
End of if
End of if
if R < 100 then
Group of questions presented on the same screen
End of group of questions
b_min := 0
b_max := b007_a
b_n := 5
Loop from 1 to 4
b_x[cnt] := number_format((round((b_n-cnt)/b_n * b_min + cnt/b_n * b_max)/10)*10)
End of loop
b007_n := b_n
b007_x := b_x
if (array_sum(explode("~", b007_b)) < 20) then
End of if
End of if
if R < 100 then
End of if
End of if
if ssclaim != 1 AND current_age > 64 then
c1_001 (enrolled in medicare)
Are you enrolled in Medicare?
1 (YES) Yes
2 (NO) No
2 (NO) No
if c1_001 = 1 then
c1_002 (expectations premium)
Think about when you were first enrolled in Medicare. Was the premium significantly different from what you thought it would be?
1 Yes, the Medicare premium was much higher than what I expected.
2 Yes, the Medicare premium was much lower than what I expected.
3 No, the Medicare premium was close to what I expected.
2 Yes, the Medicare premium was much lower than what I expected.
3 No, the Medicare premium was close to what I expected.
End of if
End of if
if ssclaim = 1 then
c2_001 (benefits different than expected)
Think about when you started receiving Social Security retirement benefits. Did the benefits you received differ significantly from what you had expected?
1 No, not significantly different
2 Yes, they were quite different
2 Yes, they were quite different
if c2_001 = 2 then
c2_002 (how much expected)
How much had you expected to receive per month?
End of if
c2_003 (premimum different first in medicare)
Think about when you were first enrolled in Medicare. Was the premium significantly different from what you thought it would be?
1 Yes, the Medicare premium was much higher than what I expected.
2 Yes, the Medicare premium was much lower than what I expected.
3 No, the Medicare premium was close to what I expected.
2 Yes, the Medicare premium was much lower than what I expected.
3 No, the Medicare premium was close to what I expected.
End of if
if retired = 1 OR current_age >= R_db then
if db = 1 then
c3_001 (benefits different than expected)
According to our records, you had at least one pension plan that based your benefits on a formula involving age, years of service and salary (known as “Defined benefits plans”)? Think of when you started receiving benefits from this or these ‘defined benefit plan(s)’, did the benefits you received differ significantly from what you had expected?
1 No, not significantly different
2 Yes, they were quite different
2 Yes, they were quite different
if c3_001 = 2 then
c3_002 (how much expected)
How much had you expected to receive per month?
End of if
End of if
End of if
if retired = 1 then
d001 (how well prepared for retirement)
How well prepared were you financially for retirement?
1 Very well prepared
2 Somewhat well prepared
3 Not too prepared
4 Not prepared at all
2 Somewhat well prepared
3 Not too prepared
4 Not prepared at all
d002 (ever visit web sites)
Did you ever visit the websites of any of the following agencies or organizations to assist you in your retirement planning? (check all that apply)
1 Social Security Administration
2 Department of Labor
3 Mymoney.gov
4 Internal Revenue Service
5 Pension Benefit Guarantee Corporation
6 Centers for Medicare and Medicaid Services
7 AARP
8 I haven’t visited any of these websites
2 Department of Labor
3 Mymoney.gov
4 Internal Revenue Service
5 Pension Benefit Guarantee Corporation
6 Centers for Medicare and Medicaid Services
7 AARP
8 I haven’t visited any of these websites
d003 (do anything different)
In thinking about how your retirement is going, is there anything you would do differently?
1 (YES) Yes
2 (NO) No
2 (NO) No
if d003 = 1 then
d004 (what to change)
If you could change your retirement, what would you change? Would you (check all that apply)
1 Plan for more income
2 Retire earlier
3 Retire later
4 Prepare to work as part of retirement
5 Make different living arrangements
6 Pay off debts
7 Not give so many gifts to family
8 Be more active/take better care of self
9 Be better informed about preparing financially for retirement
10 Be more careful about spending and fraud
11 Spend retirement savings differently
12 Invest savings differently
13 Ask a professional about planning for retirement
2 Retire earlier
3 Retire later
4 Prepare to work as part of retirement
5 Make different living arrangements
6 Pay off debts
7 Not give so many gifts to family
8 Be more active/take better care of self
9 Be better informed about preparing financially for retirement
10 Be more careful about spending and fraud
11 Spend retirement savings differently
12 Invest savings differently
13 Ask a professional about planning for retirement
End of if
d005 (why retire)
Why did you stop working and retire? (check all that apply)
1 Didn’t need the earnings/retirement income was sufficient
2 Didn’t want to work any longer
3 Working conditions became unpleasant
4 Spouse was retiring
5 Not healthy enough to keep working
6 Had to take care of family
7 Laid off/fired/accepted buy-out
8 Most everyone retires at my age
9 I became disabled
2 Didn’t want to work any longer
3 Working conditions became unpleasant
4 Spouse was retiring
5 Not healthy enough to keep working
6 Had to take care of family
7 Laid off/fired/accepted buy-out
8 Most everyone retires at my age
9 I became disabled
if ssclaim = 1 then
d006 (why claim when claimed)
Why did you claim Social Security when you did? (check all that apply)
1 I wanted to.
2 I needed the income.
3 I was concerned I might die before claiming if I waited.
4 I was concerned about Social Security’s finances.
5 My family and friends said I should.
6 My spouse was claiming.
7 I was seventy and waiting any longer would not have increased my benefits.
8 A professional told me that was the best age to maximize my income.
9 I became disabled.
2 I needed the income.
3 I was concerned I might die before claiming if I waited.
4 I was concerned about Social Security’s finances.
5 My family and friends said I should.
6 My spouse was claiming.
7 I was seventy and waiting any longer would not have increased my benefits.
8 A professional told me that was the best age to maximize my income.
9 I became disabled.
d007 (expected to claim when claimed)
Did you expect to claim Social Security when you did?
1 (YES) Yes
2 (NO) No
2 (NO) No
d008 (change claiming)
If you could change your decision to claim Social Security benefits, what would you change?
1 Claim benefits later
2 Claim benefits earlier
3 Coordinate better with spouse
4 Get more information about benefits
5 Ask a planner, accountant, or other professional
6 Would change nothing
2 Claim benefits earlier
3 Coordinate better with spouse
4 Get more information about benefits
5 Ask a planner, accountant, or other professional
6 Would change nothing
End of if
d009 (level of knowledge)
Which of the following best describes your level of knowledge about Social Security benefits?
1 Know a lot about Social Security
2 Know some about Social Security
3 Know very little about Social Security
4 Know nothing about Social Security
2 Know some about Social Security
3 Know very little about Social Security
4 Know nothing about Social Security
d010 (what prompt to return to work)
What would prompt you to return to work? (check all that apply)
1 Need money
2 Want extra money
3 Boredom
4 Tax breaks on working at older ages
5 To feel more productive
6 Demand for my expertise/skills
7 Need to pay off debts.
8 Nothing
2 Want extra money
3 Boredom
4 Tax breaks on working at older ages
5 To feel more productive
6 Demand for my expertise/skills
7 Need to pay off debts.
8 Nothing
d011 (try to go back to work)
Did you try to go back to work after retirement?
1 Yes, but I could not find a job.
2 Yes, I went back to work temporarily.
3 No
2 Yes, I went back to work temporarily.
3 No
d012 (think will live average age)
The average 65-year-old man today can expect to live to age 84 and the average 65 year old woman can expect to live to age 87. Do you think you will live to the average life expectancy for someone your sex?
1 Yes
2 I expect to live longer than that.
3 No, I don’t expect to live that long.
2 I expect to live longer than that.
3 No, I don’t expect to live that long.
d013 (why longer or shorter)
If you expect to live longer or shorter than the average life expectancy for your sex, why do you think so? (check all that apply)
1 Current health
2 Parents’ life expectancy/genetics
3 Discrimination
4 Access to medical care
5 I am living a healthy life
2 Parents’ life expectancy/genetics
3 Discrimination
4 Access to medical care
5 I am living a healthy life
d014 (affected retirement behavior)
If you expect to live longer or shorter than average life expectancy for your sex, how has this affected your retirement behavior? (check all that apply)
1 Took Social Security earlier
2 Took Social Security later
3 Stopped working earlier
4 Stopped working later
5 Saved more
6 Saved less
7 Bought an annuity
8 Bought long-term care insurance
9 Took a reverse mortgage
10 Decided to downsize residence
11 None of the above
2 Took Social Security later
3 Stopped working earlier
4 Stopped working later
5 Saved more
6 Saved less
7 Bought an annuity
8 Bought long-term care insurance
9 Took a reverse mortgage
10 Decided to downsize residence
11 None of the above
if dc = 1 then
d014_intro
According to our records, in a previous survey you mentioned that you have at least one pension, retirement, or tax-deferred retirement savings plan that will base your benefits on how much money has accumulated in your pension or retirement account, such as a 401(K) or 403(B), often called a Defined Contribution plan.
d015_a (balance in retirement savings account when retired)
What was the approximate balance in your retirement savings account when you retired? (If you had more than one account of that type, please think of the combined balance)
d015_b (balance different than expected)
Did the balance in your retirement savings account differ from what you had expected it would be?
1 No, not significantly different
2 Yes, they were quite different
2 Yes, they were quite different
if d015_b = 2 then
d015_c (how much expected)
How much had you expected to have in your balance?
End of if
End of if
d015_intro
Now we would like to know how some things have changed for you after retirement.
d016_a (after retirement moved)
In the first five years after retirement, did you move?
1 (YES) Yes
2 (NO) No
2 (NO) No
if d016_a = yes then
d016_b (smaller residence)
How does your home now compare to the one you were living in when you retired? Choose the characteristic that made you decide to move there:
1 New home is smaller or less valuable than the previous one.
2 New home is larger or more valuable than the previous one.
2 New home is larger or more valuable than the previous one.
Else
if homeowner = YES then
d016_c (wish to move)
Do you wish to move but you can’t sell your primary residence?
1 (YES) Yes
2 (NO) No
2 (NO) No
d016_d (take reverse mortgage)
Did you take a reverse mortgage?
1 Yes
2 No
3 Not applicable
2 No
3 Not applicable
End of if
End of if
d017 (reduce spending after retirement)
After retirement, have you decreased your spending in one or more of the categories below? (check all that apply)
1 Food
2 Travel
3 Entertainment
4 Services
5 Personal goods
6 Social activities
7 I have not decreased my spending in any of these
2 Travel
3 Entertainment
4 Services
5 Personal goods
6 Social activities
7 I have not decreased my spending in any of these
End of if
Group of questions presented on the same screen
e001_intro (spend out of pocket)
Please think about what you might spend out-of-pocket for your own medical expenses per year when you are 75 years old or older, including expenses such as doctor and dentist expenses, hospitals, nursing homes, prescription drugs, assistive devices and any others. Please include expenses that you would pay yourself (or a family member for you), but do not include what is covered by insurance. Do not include any Medicare premiums.
e001_a (chances spend more than 1500)
What are the chances that you will spend more than $1,500 per year during that period?
RANGE 0..100e001_b (chances spend more than 3000)
What are the chances that you will spend more than $3,000 per year during that period?
RANGE 0..100e001_c (chances spend more than 8000)
What are the chances that you will spend more than $8,000 per year during that period?
RANGE 0..100End of group of questions
if maritalstatus in [1,2] or livewithpartner = 1 then
FLCurrentYear := date("Y")
Fill code of question 'FLSpouse' executed
Group of questions presented on the same screen
e001_intro2 (spend out of pocket)
Please think about what your [spouse/partner] might spend out-of-pocket for your own medical expenses per year when they are 75 years old or older, including expenses such as doctor and dentist expenses, hospitals, nursing homes, prescription drugs, assistive devices and any others. Please include expenses that your spouse/partner or you would pay yourself (or a family member for you), but do not include what is covered by insurance. Do not include any Medicare premiums.
e001_d (chances spouse partner spend more than 1500)
What are the chances that your [spouse/partner] will spend more than $1,500 per year during that period?
RANGE 0..100e001_e (chances spouse partner spend more than 3000)
What are the chances that your [spouse/partner] will spend more than $3,000 per year during that period?
RANGE 0..100e001_f (chances spouse partner spend more than 8000)
What are the chances that your [spouse/partner] will spend more than $8,000 per year during that period?
RANGE 0..100End of group of questions
e002_intro
And now we’d like to ask you some questions about your spouse or partner.
e002_a (when formed household)
In what year did you form a household with your current [spouse/partner]?
RANGE 1900..^FLCurrentYeare002_b (spouse partner ever worked since in household)
Has your [spouse/partner] ever worked since then?
1 (YES) Yes
2 (NO) No
2 (NO) No
if e002_b = YES then
e002_c (how many years spouse, partner worked)
How many years has he/she worked since you two formed a household?
spouse_years := e002_c
if spouse_years < 16 then
e003_a (annual earnings)
On average, what were your [spouse/partner]'s annual labor earnings in the years he/she worked since you two formed a household?
Else
FLYears1 := round(spouse_years/2)
e003_b (annual earnings in first period)
On average, what were your spouse/partner’s annual labor earnings in the first [[]] years he/she worked since you two formed a household?
e003_c (annual earnings in second period)
On average, what were your spouse/partner’s annual labor earnings in the last [[]] years he/she worked?
End of if
End of if
Fill code of question 'FLWorking' executed
e004_a (spouse, partner continue working)
Will your [spouse/partner] [work/continue working] in the future?
1 (YES) Yes
2 (NO) No
2 (NO) No
if e004_a = 1 then
Group of questions presented on the same screen
e004_b (until what age spouse, partner continue working)
Until what age?
RANGE 18..120e004_c (future earnings spouse, partner)
Please consider your spouse’s future labor earnings between now and retirement. How much do you estimate his or her annual labor earnings will be on average?
End of group of questions
End of if
if e002_b = YES then
e005 (how much in benefits)
How much do you think your [spouse/partner] will receive in Social Security retirement benefits per month?
e006 (how much in benefits from defined benefits)
If your [spouse/partner] has any retirement plan that pays based on a formula including age, years of service and salary, how much do you think he/she will receive in benefits per month from that type of plan?
e007 (how much in benefits )
If your [spouse/partner] has any retirement plan that pays based on the amount of money accumulated in that account, how much do you think the balance will be from that type of account at time of retirement?
End of if
e008 (spouse, partner ever receive inheritance or gifts)
Did your [spouse/partner] ever receive an inheritance or valuable gifts? If so, what would be the total value today of those inheritances or gifts? Please enter zero if your [spouse/partner] never received an inheritance or valuable gifts.
End of if
CS_004 (confidence in answers)
How confident are you about your answers in this survey?
1 Very confident
2 Somewhat confident
3 Not that confident
4 Not at all confident
2 Somewhat confident
3 Not that confident
4 Not at all confident
CS_005 (how well understood questions)
How well do you think you understood the questions in this survey?
1 Very well
2 Somewhat well
3 Not that well
4 Not at all well
2 Somewhat well
3 Not that well
4 Not at all well
CS_001 (HOW PLEASANT INTERVIEW)
Could you tell us how interesting or uninteresting you found the questions in this survey?
1 Very interesting
2 Interesting
3 Neither interesting nor uninteresting
4 Uninteresting
5 Very uninteresting
2 Interesting
3 Neither interesting nor uninteresting
4 Uninteresting
5 Very uninteresting
CS_003 (comments)
Do you have any other comments on the survey? Please type these in the box below.(If you have no comments, please click next to complete this survey.)
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