Acknowledgments

\label{acknowledgments}
The research reported herein was performed pursuant to a grant from the U.S. Social Security Administration (SSA) funded as part of the Retirement Research Consortium through the University of Michigan Retirement Research Center Award RRC08098401. The opinions and conclusions expressed are solely those of the author(s) and do not represent the opinions or policy of SSA or any agency of the Federal Government. Neither the United States Government nor any agency thereof, nor any of their employees, makes any warranty, express or implied, or assumes any legal liability or responsibility for the accuracy, completeness, or usefulness of the contents of this report. Reference herein to any specific commercial product, process or service by trade name, trademark, manufacturer, or otherwise does not necessarily constitute or imply endorsement, recommendation or favoring by the United States Government or any agency thereof. We gratefully acknowledge the assistance of Anita Szafran and Sujeong Park at RAND. Finally, we are grateful to participants at the Michigan Retirement Research Center Researcher Workshop in Ann Arbor, MI (March-April 2017) and to participants at the Western Economic Association Annual Conference in San Diego, CA (June 2017) for their comments and suggestions.