Studies examining pension distribution choices have found that the tendency of private-sector
workers is to select lump sum distributions instead of life annuities resulting in leakage of …

Choices regarding the disposition of wealth at retirement can have substantial implications
for retirement income security. We analyze the factors determining annuity payout option …

Social Security Leveling is an annuity option that allows participants to receive a level income
before and after age 62. The retiree receives a larger pension benefit prior to age 62, but …

To moderate the rate of growth of retiree health insurance costs, employers can modify
plans and move retirees into less expensive plans. We examine policy modifications …

The paper will review available data on the annuity choices offered to retirees who participate
in defined benefit (DB) plans. DB plans are most commonly offered by state and local …

This study examines the distribution options of 85 large public retirement plans covering
general state employees, teachers, and local government employees. The interest rates used to …

Choices regarding the disposition of wealth at retirement can have substantial implications
for retirement income security. We study an annuity option allowing defined benefit pension …

Fire, climatic variability, and grazing by large herbivores have historically limited woody
vegetation in the tallgrass prairie region of North America to gallery forests in protected areas …

While the effects of drought and grazing are often studied separately, these disturbances co-occur
in grasslands worldwide and interactively influence population, community, and …

This paper discusses the recovery of conductances in a square resistor network from
measurements of boundary output currents generated by internal current sources. The F matrix is …