Impact of COVID-19 on Aging and Retirement – Essay Collection

The Society of Actuaries’ Aging & Retirement Strategic Research Program is pleased to make available essays received in response to its Call for Essays on the impact of COVID-19 on aging and retirement.  The purpose of the essay call is to gather perspectives, opinions and data on the short and long-term consequences of COVID-19 on aging and retirement.  Essays will be published on this page as they are available.


Employee Benefits after COVID-19
by Anna Rappaport, FSA, MAAA

The Impact of COVID-19 and the CARES Act on Retirement Readiness for American Workers
by Daniel Cassidy, FSA, CFA and Meghan Malachi

How Much is Enough in Light of COVID-19?
by Sam Gutterman

The Impact of Recent Market Volatility on Financial and Retirement Planning
by Toby White

Will Retirement Change Due to COVID-19?
by Linda Koco

Lessons for Retirement Annuities from Coronavirus Induced Economic Turbulence
by Thomas L. Hungerford

Effects of Ephemeral Mass Unemployment
by Jack Lund

Are CCRCs and Senior Housing Communities a Good Choice? COVID-19 and Risk in Arrangements for Senior Housing and Support
by Anna M. Rappaport

Managing “Black Swan” Stock Market Risks in Retirement
by Kenneth Steiner

Thank You

The SOA would like to thank the following individuals for their review of the essays:

Carol Bogosian
John Cutler
Robert Eaton
Cindy Levering
Anna Rappaport
Andrea Sellars

Questions or Comments?

If you have any comments or questions, please send an email to