Description: Discussion of the need to understand the implications of demographic and family diversity for the design of retirement programs. The design of retirement programs is a design of programs for the elderly, who are more often women, because women live longer and because their work histories often lead to reduced levels of pension and social security benefits.

Description: This paper examines the problem of a growing net benefit reduction for working women who are entitled to benefits in their own right, as well as to benefits as surviving spouses of covered workers.