CiNii 図書 - The predictable surprise : the unraveling of the U.S. retirement system

For many of us, Social Security doesn't seem to be the good deal our parents enjoyed. Pensions from previous generations have either disappeared or been completely reengineered and, to make matters worse, we have just gone through the worst decade for investing since the Depression. As the 'Baby Boomer' generation reaches the age of 65, Americans are faced with the confounding problem of how to pay for a growing retired population with increasingly limited financial resources.Yet the historical evolution of these current dilemmas has been full of signs indicating that we would arrive ultimately at where we are now. In Predictable Surprise, Sylvester J. Schieber explains how retirement systems work and the implications for various generations of continuing our current course. He lays the background for the establishment of retirement programs in the United States, focusing on the beginning of employer-sponsored pensions and on Social Security. The motivations for setting up these programs decades ago still persist, despite current developments. Schieber explains how the original architecture of Social Security has changed in ways that have led to current concerns about financing and equity of the program. In contrast, he shows how Social Security has at the same time defied change to accommodate to social and economic circumstances that have evolved since its 1935 inception. Schieber discusses benefits that Social Security has delivered over time, how the system is changing before our eyes, and the costs that it has exacted from various segments of our society. Employing clear and concise language, Schieber's Predictable Surprise describes the nuances of the political economics of retirement in an approachable and applicable manner-just when we need it the most.

Part 1: Foundations and Fault Lines
1. Retirement USA
2. Early Motivations behind the Pension Movement
Part II: Social Security, the dream and reality
3. Development and Passage of the Social Security Act
4. Early Concerns Prove Nagging and Persistent
5. Moving to Pay-as-You-Go Financing
6. A Deal too Good to Last
7. Operations under Pay-as-You-Go Financing
8. Crisis Reactions: Conflict, Consensus and Surprise
9. Sorting out the Trust Fund Semantics and Realities
10. Policy Stalemate at the Demographic Divide
11. Understanding Social Security in Modern Times
Part III: Employer-based pension provision
12. Employer Pensions Taking Root
13. Growing pains for Private Retirement Plans
14. ERISA: the Transition to a New Regulatory Regime
15. The 1980s, a Decade of Regulatory Schizophrenia
16. Good Intentions Gone Awry
17. Some Good News-or Not
18. The Unfolding of a Predictable Defined Benefit Surprise
19. And Then, a Predictable Defined Contribution Surprise
20. Public pensions: the good, the bad and the ugly
Part IV: Delivering benefits and providing retirement security
21. Retirement Income Security and Workers' Residuals
22. End Game: A Gold Watch, Pat on the Back and More
23. We've Killed the Goose, Let's Gild the Eggs
24. Tax Benefits and Benefit Taxes
25. Retiree Health Benefits: Misfortune or Malpractice
Part V: Truth and consequences
26. The Fellow Behind the Tree
27. Securing the Social Security Foundation
28. Securing Tax-Favored Benefits and Living Standards
29. Remembering the Future

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The predictable surprise : the unraveling of the U.S. retirement system

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