Center for Financial Security
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Housed in the School of Human Ecology at the University of Wisconsin-Madison (UW), CFS is an intellectual hub for research and outreach across disciplines. Currently, over 100 researchers from the UW and campuses across the nation are affiliated with CFS. CFS attracts leading researchers through its expertise in consumer behavior, commitment to outreach and applied scholarship, and access to resources for behavior research and the dissemination of research findings. CFS faculty and staff have extensive experience with program development, implementation evaluation, and outcome evaluation.
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Recent Submissions
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WI23-11: Work-Related Injuries and Older Workers: Earnings, Labor Supply, Program Participation, and Retirement
(Center for Financial Security, 2023)The majority of older workers have jobs that require some physical effort, and one-quarter experience a new disability after age 55. Roughly 25 percent of these work-limiting disabilities are incurred on the job. Work-related ... -
WI23-12: Financial Inclusion Across the United States
(Center for Financial Security, 2023)Individual and employer retirement plans (namely IRAs and 401ks) serve as important supplements to Social Security income during retirement. How widely these plans are used, and by whom, are fundamental facts needed to ... -
WI23-13: How Does the Death of a Partner During the COVID-19 Pandemic Affect the Economic Security of the Surviving Older Adult? Evidence From Credit Panel and Labor Force Participation Data
(Center for Financial Security, 2023)The death of a partner has long been recognized as a significant threat to the economic security of older adults. Older adults experienced a significant increase in unexpected deaths during the COVID-19 pandemic. This study ... -
WI23-14: Pathways into and out of Housing Insecurity and Homelessness: Relationships between Age, Public Program Use, and Housing Stability
(Center for Financial Security, 2023)Age-related health and financial changes can threaten an older adult’s housing security and result in homelessness. Becoming unhoused is especially dangerous for older adults since it impacts both their mental and physical ... -
WI23-08: COVID-19 Health Disparities and the Economic Security of Families with Children
(Center for Financial Security, 2023)The COVID-19 pandemic has disproportionately impacted low-income families and racial and ethnic minority communities. This project will use new data from the Panel Study of Income Dynamics (PSID) to contribute to our ... -
WI23-07: The Impacts of Racial Differences in Economic Challenges on Housing, Wealth, and Economic Security Among OASI Beneficiaries
(Center for Financial Security, 2023)Housing wealth comprises 40 percent of the net wealth of retirement-age Americans, 43 percent of whom have not yet paid of their mortgages. This report analyzes two research questions. First, we evaluate the extent to which ... -
WI23-04: “It’s Hard to Know What to Expect”: Parents of Children with Disabilities in Retirement
(Center for Financial Security, 2023)Income from the Social Security Administration (SSA)—through retirement, disability, and family benefits from the Old Age, Survivors, and Disability Insurance (OASDI) program and payments from the Supplemental Security ... -
WI23-05: The Effect of Public Policies on Work: Disability: A Life Course Perspective
(Center for Financial Security, 2023)Our study estimates the impact of exposure to three welfare-enhancing policies—Medicaid, Food Stamps, and the Earned Income Tax Credit (EITC)—throughout the life course on individuals experiencing work disability in later ... -
WI23-02: Disparities by Race and Sex in SS(D)I Applications and Awards
(Center for Financial Security, 2023)This study examines racial and gender disparities in the applications and awards of Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) programs, using administrative records from the Social ... -
W23-03: Social Security Administration's Growing Interest in the Child Tax Credit and Other Child-Driven Income Support Programs
(Center for Financial Security, 2023)We use the March 2022 Current Population Survey (CPS) Annual Social and Economic Supplement (ASEC) to assess distributional differences related to income and poverty, racial differences, and geographical differences among ... -
EMF22-02: Social Security, Retirement and Farmers--A Survey of Wisconsin Farm Owners
(Center for Financial Security, 2022)Planning for retirement is something almost all individuals face as they age. However, farmers face a unique set of challenges when planning for retirement due to specific factors: the close tie between identity and ... -
GRMF20-02: Filling in the Gap: The Role of Employer-provided DI
(Center for Financial Security, 2020)The risk of disability for workers is not trivial. While many workers rely on public disability programs such as the Social Security Disability Insurance (SSDI) to protect them against disability risk, these programs do ... -
WI20-03: Social Security Disability Insurance (SSDI) and Intergenerational Economic Mobility
(Center for Financial Security, 2020)Access to economic opportunity in the United States is not uniform. In addition to heterogeneous mobility patterns by race/ethnicity and geography, new research suggests children whose parent(s) have work-limiting health ... -
EMF22-01: Assessing Administrative Burden Among Supplemental Security Income Recipients
(Center for Financial Security, 2022)Supplemental Security Income (SSI) recipients often manage multiple benefit programs to manage their health and disability and make ends meet. The administrative burden of accessing and maintaining SSI and additional ... -
JSIT22-05: Family Caregiving at Older Ages: Implications for Adult Children by Race and Ethnicity
(Center for Financial Security, 2022)As the demography ages, the demand for family care is expected to rise rapidly in the United States. Due to lower access to quality formal care and differences in norms and traditions, minority populations rely more ... -
JSIT22-03: Employment Among Adolescent Children of SSDI Recipients Researchers
(Center for Financial Security, 2022)I explore the association between parental work-limiting disabilities (WLD) and Social Security Disability Insurance (SSDI) receipt and the labor supply of their adolescent children. Using the 2014-2021 waves of the ... -
JSIT22-02: The Retirement Implications of Non-Standard Work
(Center for Financial Security, 2022)With a rise in non-standard work – independent contracting, freelancing, temporary, on-call, and “gig work” – research has focused on implications for economic security. These forms of work tend to be more precarious, lack ... -
JSIT22-01: Disability Determination, Employment Histories, and Age at First SSI Receipt
(Center for Financial Security, 2022)The disability criteria used to determine Supplemental Security Income (SSI) eligibility varies by age. For people under age 65, SSI is a means-tested disability program; for people aged 65 and older, the disability ... -
WI22-10: Enhancing Trust in the Social Security Administration and E-Government among People Targeted by Fraud
(Center for Financial Security, 2022)One of the insidious effects of government imposter scams is the potential erosion of trust among those who are targeted – fraud targets may learn to distrust communications and people who claim to be from the Social ... -
WI21-01: Using Online SSDI Conversations to Improve Communication and Outreach
(Center for Financial Security, 2021)Text analysis of data collected from online forum conversations, a form of user-generated content (UGC), reveals that Social Security Disability Insurance (SSDI) applicants and recipients, the “customers,” share concerns ...