The Impact of Work and Family Life Histories on Economic Well-Being at Older Ages

Heterogeneity in Family Life Course Patterns and Intra-Cohort Wealth Disparities in Late Working Age

Considering soaring wealth inequalities in older age, this research addresses the relationship between family life courses and widening wealth differences between individuals as they age. We holistically examine how childbearing and marital histories are associated with personal wealth at ages 50–59 for Western Germans born between 1943 and 1967. We propose that deviations from culturally and institutionally-supported family patterns, or the stratified access to them, associate with differential wealth accumulation over time and can explain wealth inequalities at older ages. Using longitudinal data from the German Socio-Economic Panel Study (SOEP, v34, waves 2002–2017), we first identified typical family trajectory patterns between ages 16 and 50 with multichannel sequence analysis and cluster analysis. We then modelled personal wealth ranks at ages 50–59 as a function of family patterns. Results showed that deviations from the standard family pattern (i.e. stable marriage with, on average, two children) were mostly associated with lower wealth ranks at older age, controlling for childhood characteristics that partly predict selection into family patterns and baseline wealth. We found higher wealth penalties for greater deviation and lower penalties for moderate deviation from the standard family pattern. Addressing entire family trajectories, our research extended and nuanced our knowledge of the role of earlier family behaviour for later economic wellbeing. By using personal-level rather than household-level wealth data, we were able to identify substantial gender differences in the study associations. Our research also recognised the importance of combining marital and childbearing histories to assess wealth inequalities.

Employment Pathways during Economic Recession and Recovery and Adult Health

Our study bridges literatures on the health effects of job loss and life course employment trajectories to evaluate the selection into employment pathways and their associations with health in the short and medium terms. We apply sequence analysis to monthly employment calendars from a population-based sample of working-age women and men observed from 2009 to 2013 (N = 737). We identify six distinct employment status clusters: stable full-time employment, stable part-time employment, stably being out of the labor force, long-term unemployment, transition out of the labor force, and unstable full-time employment. After adjustment for sociodemographic characteristics and health at baseline, those who transitioned out of the labor force showed significantly poorer self-rated health at follow-up, whereas steadily part-time employed respondents still showed a greater risk of meeting criteria for major or minor depression. The findings have important implications for how social scientists conceptualize and model the relationship between employment status and health.

Gender, union formation, and assortative mating among older women

This paper presents a search-theoretic model of union formation among women, aged 55 and older. Specifically, it provides new estimates of gender differentials in cohabitation and marriage at older ages, and documents recent patterns of assortative mating using data from the 2008-2017 American Community Survey. Our analyses reveal that cohabitation represents a much smaller share of all older unmarried women, all partnered women, and all women in comparison to patterns observed among their male counterparts. The results also reveal highly uneven patterns of union formation by age, race and marital history, which reflect demographically uneven constraints and preferences. Our analyses also document, for the first time, patterns of assortative mating at older ages. Shortages of similarly-aged men, especially among older African American women, seemingly heighten the likelihood of demographically mismatched unions. Older women are less likely to form unions with same-race or economically attractive partners, defined as men having a college-degree. This study shows that older single women, in general, are at a comparative disadvantage in the marriage market, both in forming co-residential unions and in finding partners who match their own social, demographic, and economic profiles. This paper highlights considerable heterogeneity in the experiences of America's older women. It calls for new theoretical approaches that acknowledge the unequal resources and bargaining power among older women in the marriage market.

Beyond Hours Worked and Dollars Earned: Multidimensional EQ, Retirement Trajectories and Health in Later Life

The working lives of Americans have become less stable over the past several decades and older adults may be particularly vulnerable to these changes in employment quality (EQ). We aimed to develop a multidimensional indicator of EQ among older adults and identify EQ and retirement trajectories in the United States. Using longitudinal data on employment stability, material rewards, workers' rights, working-time arrangements, unionization, and interpersonal power relations from the Health and Retirement Study (HRS), we used principal component analysis to construct an EQ score. Then, we used sequence analysis to identify late-career EQ trajectories (age 50-70 years; N = 11,958 respondents), overall and by sociodemographics (race, gender, educational attainment, marital status). We subsequently examined the sociodemographic, employment, and health profiles of these trajectories. We identified 10 EQ trajectories; the most prevalent trajectories were Minimally Attached and Wealthy (13.9%) and Good EQ to Well-off Retirement (13.7%), however, 42% of respondents were classified into suboptimal trajectories. Those in suboptimal trajectories were disproportionately women, people of color, and less-educated. Individuals in the Poor EQ to Delayed and Poor Retirement and Unattached and Poor clusters self-reported the greatest prevalence of poor health and depression, while individuals in the Wealthy Business Owners and Great EQ to Well-off Retirement clusters self-reported the lowest prevalence of poor health and depression at baseline. Trajectories were substantially constrained for women of color. Although our study demonstrates EQ is inequitably distributed in later life, labor organizing and policy change may afford opportunities to improve EQ and retirement among marginalized populations.

Joint Family and Work Trajectories and Multidimensional Wellbeing

Informed by the life course perspective, this paper investigates whether and how employment and family trajectories are jointly associated with subjective, relational and financial wellbeing later in life. We draw on data from the Swiss Household Panel which combines biographical retrospective information on work, partnership and childbearing trajectories with 19 annual waves containing a number of wellbeing indicators as well as detailed socio-demographic and social origin information. We use sequence analysis to identify the main family and work trajectories for men and women aged 20–50 years old. We use OLS regression models to assess the association between those trajectories and their interdependency with wellbeing. Results reveal a joint association between work and family trajectories and wellbeing at older age, even net of social origin and pre-trajectory resources. For women, but not for men, the association is also not fully explained by proximate (current family and work status) determinants of wellbeing. Women’s stable full-time employment combined with traditional family trajectories yields a subjective wellbeing premium, whereas childlessness and absence of a stable partnership over the life course is associated with lower levels of financial and subjective wellbeing after 50 especially in combination with a trajectory of weak labour market involvement. Relational wellbeing is not associated with employment trajectories, and only weakly linked to family trajectories among men.

Gendered employment trajectories and individual wealth at older ages in Eastern and Western Germany

This study examines the association between employment trajectories and retired men's and women's individual wealth at older ages in the two distinct welfare state contexts of Eastern and Western Germany. Because of the increasing re-marketization of retirement provisions, wealth is becoming increasingly important for retirees' economic well-being. Using data from the German Socio-Economic Panel Study (2002, 2007, 2012 and 2017), we conduct sequence and cluster analyses to identify groups of typical employment trajectories of men and women in Eastern and Western Germany. For men, we find that continuous full-time employment is positively associated with net wealth at older ages, whereas early retirement and long-term unemployment are negatively associated with wealth. These associations are similar for housing and non-housing wealth in both contexts. For women in Western Germany, a low labour market participation is associated with higher levels of housing wealth and lower levels of non-housing wealth compared with female full-time employees. The results point to gendered wealth accumulation due to differences in men's and women's labour market participation in gender-unequal welfare state contexts. The associations between employment and wealth are slightly weaker in Eastern Germany, indicating that the socialist regime of the GDR restricted the ability to accumulate wealth.

School performance and mortality: The mediating role of educational attainment and work and family trajectories across the life course

Evidence of a strong negative correlation between adolescent academic performance and mortality points to the importance of not only cognitive, but also non-cognitive, skills in predicting survival. We integrated two bodies of research to evaluate expectations regarding the role of educational attainment and trajectories of employment and marriage experience in mediating relationships between high school class rank and longevity. In particular, we used data from the Wisconsin Longitudinal Study (n = 9,232) to fit parametric mortality models from age 55 to age 77. Multiple mediator models allowed for quantification of the degree to which the association between high school class rank and mortality is mediated by life trajectories and educational attainment. Our results show that high school class rank is a statistically significant and substantively meaningful predictor of survival beyond age 55 and that this relationship is partially, but not fully, mediated by trajectories of employment and marriage experience across the life course. Higher educational attainment also mediates a substantial part of the relationship, but to varying degrees for men and women.

Changes in work and care trajectories during the transition to motherhood

In most mid- and high-income countries, there have been significant demographic, structural, and cultural changes in the past decades. However, we know little about how these changes have shaped women's work patterns during a key life stage: the transition to motherhood. Using longitudinal data from Chile, covering over 30 years of employment histories and three periods of first births (1980-2010), I conduct sequence analysis to identify women's work-care trajectories during an eight-year period of the transition to motherhood. Over time, I find that continuous care work at home has declined, for which education plays a key role, while the chances of working continuously have not changed over time. Instead, I find an increasing trend of unsteady paths that combine paid work with either caretaking or unemployment. I discuss how these changes, as well as their association with education, have important implications for both gender and social inequality.

Labor Force Participation Over the Life Course: The Long-Term Effects of Employment Trajectories on Wages and the Gendered Payoff to Employment

In this article, we consider how individuals' long-term employment trajectories relate to wage inequality and the gender wage gap in the United States. Using more than 30 years of data from the National Longitudinal Survey of Youth 1979 sample, we identify six employment trajectories for individuals from ages 22 to 50. We find that women across racial/ethnic groups and Black men are more likely than White and Hispanic men to have nonsteady employment trajectories and lower levels of employment throughout their lives, and individuals who have experienced poverty also have heightened risks of intermittent employment. We then assess how trajectories are associated with wages later in careers, at ages 45-50. We find significant variation in wages across work trajectories, with steady high employment leading to the highest wages. This wage variation is primarily explained by work characteristics rather than family characteristics. Finally, we examine gender variation in within-trajectory wages. We find that the gender wage gap is largest in the steady high employment trajectory and is reduced among trajectories with longer durations of nonemployment. Thus, although women are relatively more concentrated in nonsteady trajectories than are men, men who do follow nonsteady wage trajectories incur smaller wage premiums than men in steady high employment pathways, on average. These findings demonstrate that long-term employment paths are important predictors of economic and gender wage inequality.

Midlife Work and Women's Long-Term Health and Mortality

Although paid work is a well-established predictor of health, several gaps in our knowledge about the relationship between adult work patterns and later health and mortality remain, including whether these benefits persist over long periods and whether they are dependent on subjective experiences with work. We draw on more than three decades of data from the National Longitudinal Survey of Mature Women to assess how labor force participation over a period of 20 years during midlife is related to mental and physical health and mortality over the following 16–25 years. We find that consistent work earlier in life continues to predict improved health and longevity over many years as women enter late life, and this relationship does not differ between women with positive and those with negative subjective work experiences. These findings add to knowledge about how key adult social experiences are related to health as individuals enter later life.

The effects of prolonged working life on subjective quality of life across Europe

This paper examines the effect of prolonged working careers on subjective quality of life (QoL) in four European regions. The paper tests a basic assumption of the role accumulation theory and the active ageing approach that additional roles, including prolonged working careers, are beneficial for the quality of life of older people. The propensity score matching method was used on data from the Survey of Health, Ageing and Retirement in Europe (SHARE) for four European regions with distinctive economic, institutional, and cultural contexts connected to paid work. The context-sensitive effects of prolonged labour force participation on QoL as a whole, control, and pleasure are positive in regions in which financial need serves as a more important motivation to work than nonmaterial need. In contrast, the effects on QoL as a whole and autonomy are negative in wealthier and more developed European regions. The paper concludes that the main motivation for prolonged working careers seems to be to avoid deteriorating living standards; satisfactory retirement conditions should thus be an aim complementary to incentives for those who are willing and able to work longer.

Tracking Health Inequalities from High School to Midlife

Educational gradients in health status, morbidity, and mortality are well established, but which aspects of schooling produce those gradients is only partially understood. We draw on newly available data from the midlife follow-up of the High School and Beyond sophomore cohort to analyze the relationship between students' level of coursework in high school and their long-term health outcomes. We additionally evaluate the mediating roles of skill development, postsecondary attendance and degree attainment, and occupational characteristics. We find that students who took a medium- to high-level course of study in high school have better self-reported health and physical functioning in midlife, even net of family background, adolescent health, baseline skills, and school characteristics. The association partially operates through pathways into postsecondary education. Our findings have implications for both educational policy and research on the educational gradient in health.

The Marriage Wealth Premium Revisited: Gender Disparities and Within-Individual Changes in Personal Wealth in Germany

This study examines the association between marriage and economic wealth of women and men. Going beyond previous research that focused on household wealth, I examine personal wealth, which allows identifying gender disparities in the association between marriage and wealth. Using unique data from the German Socio-Economic Panel Study (2002, 2007, and 2012), I apply random-effects and fixed-effects regression models to test my expectations. I find that both women and men experience substantial marriage wealth premiums not only in household wealth but also in personal wealth. However, I do not find consistent evidence for gender disparities in these general marriage premiums. Additional analyses indicate, however, that women's marriage premiums are substantially lower than men's premiums in older cohorts and when only nonhousing wealth is considered. Overall, this study provides new evidence that women and men gain unequally in their wealth attainment through marriage.

Work Disability among Women: The Role of Divorce in a Retrospective Cohort Study

We assess how divorce through midlife affects the subsequent probability of work-limiting health among U.S. women. Using retrospective marital and work disability histories from the Survey of Income and Program Participation matched to Social Security earnings records, we identify women whose first marriage dissolved between 1975 and 1984 (n = 1,214) and women who remain continuously married (n = 3,394). Probit and propensity score matching models examine the cumulative probability of a work disability over a 20-year follow-up period. We find that divorce is associated with a significantly higher cumulative probability of a work disability, controlling for a range of factors. This association is strongest among divorced women who do not remarry. No consistent relationships are observed among divorced women who remarry and remained married. We find that economic hardship, work history, and selection into divorce influence, but do not substantially alter, the lasting impact of divorce on work-limiting health.