NATIONAL BUREAU OF ECONOMIC RESEARCH
NATIONAL BUREAU OF ECONOMIC RESEARCH

Effect of Pensions and Disability Benefits on Retirement in the UK

James Banks, Carl Emmerson, Gemma C. Tetlow

NBER Working Paper No. 19907
Issued in February 2014

---- Acknowledgements -----

This paper forms part of the International Social Security project at the NBER. The authors are grateful to Richard Blundell and to the other participants of that project for useful comments and advice. We are also grateful to the Joseph Rowntree Foundation (JRF) and the ESRC-funded Centre for the Microeconomic Analysis of Public Policy at IFS (grant number RES-544-28-5001) for funding this work. Data from the Family Expenditure Survey (FES), the Labour Force Survey (LFS) and the English Longitudinal Study of Ageing (ELSA) were made available by the UK Data Archive. ELSA was developed by a team of researchers based at the National Centre for Social Research, University College London and the Institute for Fiscal Studies. The data were collected by the National Centre for Social Research. The funding is provided by the National Institute of Aging in the United States, and a consortium of UK government departments co-ordinated by the Office for National Statistics. Responsibility for interpretation of the data, as well as for any errors, is the authors’ alone. The views expressed herein are those of the authors and do not necessarily reflect the views of the National Bureau of Economic Research.

---- Disclosure of Financial Relationships for Carl Emmerson -----

Over the last three years I have also received financial support for my research from the following organisations, who potentially have an interest in this research, although they did not directly fund it: Actuarial Profession, Age UK, Association of British Insurers, Barclays Capital, Barclays Wealth, Consumer Financial Education Body, Department for Work and Pensions, Financial Services Authority, HM Treasury, Investment Management Association, Just Retirement, Money Advice Service, National Association of Pension Funds, Nuffield Foundation, Oxford Economics, Partnership Pensions, Pensions Corporation.

---- Disclosure of Financial Relationships for Gemma C. Tetlow -----

Over the last three years I have also received financial support from the following organisations, who potentially have an interest in this research summarized in this working paper, although they did not directly fund it: Actuarial Profession, Age UK, Association of British Insurers, Barclays Capital, Barclays Wealth, Consumer Financial Education Body, Department for Work and Pensions, Financial Services Authority, HM Treasury, Investment Management Association, Just Retirement, Money Advice Service, National Association of Pension Funds, Nuffield Foundation, Oxford Economics, Partnership Pensions, Pensions Corporation.

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