Research
Publications
Journal Articles and Book Chapters
Falk, Justin and Nadia S. Karamcheva. 2022. “The Impact of an Employer Match and Automatic Enrollment on the Savings Behavior of Public-Sector Workers,” Journal of Pension Economics and Finance, First View, 1-31, https://doi.org/10.1017/S1474747221000366.
Butrica, Barbara A. and Nadia S. Karamcheva. 2020. “Is Rising Household Debt Affecting Retirement Decisions?” In: Mitchell, O., and A. Lusardi (eds.), Remaking Retirement: Debt in An Aging Economy. Oxford, UK: Oxford University Press. Chapter 8.
Butrica, Barbara A. and Nadia S. Karamcheva. 2018. “Automatic Enrollment and Its Relation to the Incidence and Distribution of DC Plan Contributions: Evidence from a National Survey of Older Workers”, Journal of Consumer Affairs, First published online: 29 July 2018, (earlier version: Center for Retirement Research at Boston College, WP#2015-14)
Butrica, Barbara A. and Nadia S. Karamcheva. 2018. “In Debt and Approaching Retirement: Claim Social Security or Work Longer?” AEA Papers and Proceedings, 108:401-406.
Johnson, Richard and Nadia. S. Karamcheva. 2017. “What Explains the Educational Differences in the Propensity to Work Among Older Adults?” Journal of Organizational Psychology, 17(6): 91-119.
Butrica, Barbara A. and Nadia S. Karamcheva. 2015. “Automatic Enrollment, Employer Match Rates and Employee Compensation in 401(k) Plans”, Monthly Labor Review, May (2015).
Karamcheva, Nadia S. and Geoffrey Sanzenbacher. 2014. “Bridging the Gap in Pension Participation: How Much Can Universal Tax-Deferred Pension Coverage Hope to Achieve?”, Journal of Pension Economics and Finance, 13(4): 439-459
Karamcheva, Nadia S. 2014. “Economic Policies on Social Security and the Elderly” In: Payson, Steven (ed.). Public Economics in the United States: How the Federal Government Analyzes and Influences the Economy. ABC-Clio Publishing. Chapter 8: 189-211.
Wu, April Yanyan, Nadia Karamcheva, Alicia Munnell and Patrick Purcell. 2013. “How Do the Changing Labor Supply and Marriage Patterns of Women Affect Social Security Replacement Rates?” Social Security Bulletin, 73(4).
Munnell, Alicia H., Alex Golub-Sass and Nadia S. Karamcheva. 2013. “Unusual Social Security Claiming Strategies: Claim and Suspend, and Claim Now, Claim More Later”, Journal of Financial Planning, 26(8): 40-47.
Working Papers
Karamcheva, Nadia and Victoria Perez-Zetune. 2023. “Defined Benefit and Defined Contribution Plans and the Distribution of Family Wealth,” Congressional Budget Office Working Paper #2023-02.
Karamcheva, Nadia, Jeffrey Perry, and Constantine Yannelis. 2020. “Income-Driven Repayment Plans for Student Loans,” Congressional Budget Office Working Paper #2019-06.
Falk, Justin and Nadia S. Karamcheva. 2019. “The Effect of the Employer Match and Defaults on Federal Workers' Savings Behavior in the Thrift Savings Plan,” Congressional Budget Office Working Paper #2019-06
Butrica, Barbara and Nadia S. Karamcheva. 2019. “Is Rising Household Debt Affecting Retirement Decisions?” Pension Research Council Working Paper #2019-14
Falk, Justin and Nadia S. Karamcheva. 2018. “Comparing the Effects of Current Pay and Defined Benefit Pensions on Employee Retention”, Congressional Budget Office Working Paper #2018-06.
Johnson, Richard and Nadia. S. Karamcheva. 2016. “What Determines Gradual Retirement?: Differences in the Path to Retirement Between Low- and High- Educated Older Workers,” Working Paper.
Karamcheva, Nadia S., Alicia Munnell and April Yanyuan Wu. 2015. “Does Social Security Continue to Favor Couples?”, Center for Retirement Research at Boston College WP#2015-11, (revise and resubmit for National Tax Journal)
Butrica, Barbara and Nadia S. Karamcheva. 2014. “The Impact of Informal Caregiving on Older Adults’ Labor Supply and Economic Resources”, DOL Policy Report.
Butrica, Barbara and Nadia S. Karamcheva. 2013. “Does Household Debt Influence the Labor Supply and Benefit Claiming Decisions of Older Americans?”, Center for Retirement Research at Boston College WP#2013-22.
Butrica, Barbara and Nadia S. Karamcheva. 2012. “The Changing Causes and Consequences of Not Working before Age 62”, Working Papers, Center for Retirement Research at Boston College, WP#2012-3
Karamcheva, Nadia S. 2010. “Private Pensions and Wealth Accumulation in a Dynamic Model of Job Search and Savings”. Boston College.
Munnell, Alicia H., Steven A. Sass, Alex Golub-Sass and Nadia Karamcheva. 2009. “Unusual Social Security Claiming Strategies: Costs and Distributional Effects”, Working Papers, Center for Retirement Research, WP#2009-17
Policy Papers
Karamcheva, Nadia. 2024. “Trends in the Distribution of Family Wealth, 1989 to 2022”, Congressional Budget Office, https://www.cbo.gov/publication/60807
Karamcheva, Nadia. 2022. “Trends in the Distribution of Family Wealth, 1989 to 2019”, Congressional Budget Office, https://www.cbo.gov/publication/57598
Karamcheva, Nadia, Jeffrey Perry, and Constantine Yannelis. 2020. “Income-Driven Repayment Plans for Student Loans: Budgetary Costs and Policy Options”, Congressional Budget Office Report, https://www.cbo.gov/publication/55968
Berne, Jordan, David Burk, and Nadia Karamcheva. 2019. “Employment of People Ages 55 to 79”, Congressional Budget Office, https://www.cbo.gov/publication/55454
Falk, Justin and Nadia S. Karamcheva. 2017. “Options for Changing the Retirement System for Federal Civilian Workers”, Congressional Budget Office, https://www.cbo.gov/publication/53003
Karamcheva, Nadia. 2016. “Trends in Family Wealth, 1989 to 2013”, Congressional Budget Office, https://www.cbo.gov/publication/51846
Favreault, Melissa M. and Nadia S. Karamcheva. 2011. “How Would the President’s Fiscal Commission’s Social Security Proposals Affect Future Beneficiaries?” Washington, DC: The Urban Institute.
Research Briefs
Butrica, Barbara A. and Nadia S. Karamcheva. 2013. “How Does the 401(k) Auto-enrollment Relate to the Employer Match and Total Compensation?” Issues in Brief, Center for Retirement Research #13-14.
Wu, April Yanyuan, Nadia S. Karamcheva, Alicia H. Munnell and Patrick Purcell. 2013. "How Does Women Working Affect Social Security Replacement Rates?" Issues in Brief, Center for Retirement Research #13-10
Karamcheva, Nadia. 2013. “Is Household Debt Growing for Older Americans?” Program on Retirement Policy, Issue in Brief #33.
Karamcheva, Nadia and Geoffrey Sanzenbacher, 2010. “Pension Participation and Uncovered Workers” Issues in Brief, Center for Retirement Research, IB#10-13.
Karamcheva, Nadia and Geoffrey Sanzenbacher, 2010. “Is Pension Inequality Growing?” Issues in Brief, Center for Retirement Research, IB#10-1.
Munnell, Alicia H., Alex Golub-Sass and Nadia Karamcheva. 2009. “Strange But True: Claim and Suspend”, Issues in Brief, Center for Retirement Research, IB#9-11.
Munnell, Alicia H., Alex Golub-Sass and Nadia Karamcheva. 2009. “Strange But True: Claim Social Security Now, Claim More Later” Issues in Brief, Center for Retirement Research,IB#9-9.
Munnell, Alicia H., Alex Golub-Sass and Nadia Karamcheva. 2009. “Strange but True: Free Loan from Social Security”, Issues in Brief, Center for Retirement Research, IB#9-6.
Karamcheva, Nadia and Alicia H. Munnell, 2007. "Why Are Widows So Poor?” Issues in Brief, Center for Retirement Research, IB#7-9.