This presentation will review the 15 years of SOA Post-Retirement Risk Research and discuss its implications and key findings.  The research will be organized around major topics and the findings will be related to the challenges in older life.  The implications will be connected to work and retirement, long term care, and health care. Likely topic grouping will include:

       Post-retirement risks

       How and when we retire, and work in retirement

       Planning for retirement

       Understanding longevity

       Thinking about spouses

       What changes during retirement

       Housing

       Special issues for women

The work will highlight gaps in knowledge and action.  While the work is U.S. based, it is believed that there are parallel gaps in knowledge in many countries, and that where responsibility is shifted to individuals some of the same issues arise.  It is believed that the work should be very helpful to people in different countries and should stimulate a good discussion.

The data used will include the work of the SOA Committee on Post-Retirement Needs and Risks.  New studies that will be included is a study on Running out of Money to be published later in 2013 and a study done in partnership with the MetLife Mature Market Institute on how different types of families view retirement risk.  The risk survey series and our reports will also be included. 

Note: This is submitted as a presentation, but a paper could be prepared if that is desired.