Women looking for payable sex
From a retirement perspective, shifting marital patterns are important as they may mean that the share of women with the option of claiming a spouse or widow benefit at retirement may change as well.
For example, recent trends show higher proportions of never-married women in the population (Tamborini 2007), which would reduce the share of women potentially eligible for spouse or widow benefits by the time they reach retirement age.
Since marital histories help establish whether spouse or widow benefits will be a retirement income option for women in old age, it is important to track marital trends, particularly as the leading edge of the baby-boom generation begins retiring.
This article uses data from the 2001 Marital History Topical Module (wave 2) to the Marital History Module is considered one of the best surveys to gauge recent marital patterns, especially since the National Center for Health Statistics and the Current Population Survey no longer collect comprehensive data on marriage and divorce.
Notable shifts, by and large, reflect marital pattern changes in the younger wave of the large baby-boom cohort and include a rise in the share of divorced women with shorter marriages (less than 10 years) and never-married women.
If the spouse benefit exceeds his/her own retired-worker benefit, then the full retired-worker benefit is paid with the difference between the retired worker and spouse benefit added to the benefit amount.Although women's economic situation at old age has improved greatly over the past 30 years, women are still more likely than men to experience old-age poverty; partly because women earn less over their lifetimes and live longer than men.