000			03314nam a22004453i 4500
001			EBC3004445
003			MiAaPQ
005			20240729123941.0
006			m o d |
007			cr cnu||||||||
008			240724s2005 xx o ||||0 eng d
020			_a9780815797715 _q(electronic bk.)
020			_z9781884902420
035			_a(MiAaPQ)EBC3004445
035			_a(Au-PeEL)EBL3004445
035			_a(CaPaEBR)ebr10078487
035			_a(OCoLC)474867992
040			_aMiAaPQ _beng _erda _epn _cMiAaPQ _dMiAaPQ
050		4	_aHG1660.U6U53 2004
082	0		_a368.4/3/00973
100	1		_aApfel, Kenneth S.
245	1	0	_aUncharted Waters : _bPaying Benefits from Individual Accounts in Federal Retirement Policy.
250			_a1st ed.
264		1	_aBlue Ridge Summit : _bBrookings Institution Press, _c2005.
264		4	_c©2005.
300			_a1 online resource (236 pages)
336			_atext _btxt _2rdacontent
337			_acomputer _bc _2rdamedia
338			_aonline resource _bcr _2rdacarrier
505	0		_aFront Cover -- Title Page -- Preface -- Table of Contents -- Introduction and Summary -- Financial Demographics -- Payments at Retirement -- Institutional Arrangements for Providing Annuities -- Pre-Retirement Access to Individual Accounts -- Spousal Rights -- Disabled Workers and their Families -- Children, Life Insurance, and Bequests -- Worker-Specific Offsets -- Individual Account Taxation -- Glosssary -- References -- Back Cover.
520			_aIn the debate over Social Security reform, most of the work on individual accounts has focused on how individuals would save and manage those accounts during their working lives. Uncharted Waters goes further and addresses the often neglected questions about how and under what circumstances funds could be withdrawn from these accounts. In Uncharted Waters, a panel of recognized experts created a framework for determining how benefits might be paid if private accounts become a new part of the Social Security system or are created separate from Social Security. This important volume analyzes the potential implications of different policy choices. It considers the ramifications of payout rules for families at different stages of life, particularly for economically disadvantaged groups. The contributors also address how any new individual account program would fit with traditional Social Security, employer-based pensions, and tax-advantaged individual retirement savings (401(k)s and IRAs). As the debate over individual savings accounts rages, Uncharted Waters offers a sound framework for informing public policy on both sides of the argument.
588			_aDescription based on publisher supplied metadata and other sources.
590			_aElectronic reproduction. Ann Arbor, Michigan : ProQuest Ebook Central, 2024. Available via World Wide Web. Access may be limited to ProQuest Ebook Central affiliated libraries.
650		0	_aSocial security--United States--Finance.
655		4	_aElectronic books.
700	1		_aGraetz, Michael J.
776	0	8	_iPrint version: _aApfel, Kenneth S. _tUncharted Waters _dBlue Ridge Summit : Brookings Institution Press,c2005 _z9781884902420
797	2		_aProQuest (Firm)
856	4	0	_uhttps://ebookcentral.proquest.com/lib/orpp/detail.action?docID=3004445 _zClick to View
999			_c57029 _d57029