How Will Declining Rates of Marriage Reshape Eligibility for Social Security?
) (Center for Policy Research, Maxwell School of Syracuse University, 426 Eggers Hall, Syracuse, NY 13244-1020) Abstract For most older people in the United States, Social Security is the major source of income: nine out of ten people age 65 or older receive benefits, which represent an average of 41 percent of their income. Largely as a result of Social Security, poverty rates for the elderly are at an all-time low, just 10 percent. But pockets of poverty persist: older unmarried persons, blacks, and Hispanics experience poverty rates in excess of 20 percent, and over 40 percent of all older single black women live in poverty. People quality for Social Security based either on their work record or their marital status. Most older women receive noncontributory Social Security spouse of widow benefits on the basis of their marital history. For these women, marital status is more important than employment status in shaping old-age financial security. However, the trend to marry and stay
