Graduate Thesis Or Dissertation

The influence of information given homemakers on Old Age, Survivor and Disability Insurance in motivating families toward financial security planning

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  • The primary purpose of this study was to assess the influence of information on Old Age, Survivors and Disability Insurance in motivating homemakers to do further family financial security planning. Planning was measured in terms of estimating OASDI benefits and total income available for retirement and for survivors. The subjects used for securing the data were members of Benton County, Oregon, extension units, which are homemakers' clubs sponsored by the Cooperative Extension Service. One hundred forty-three questionnaire respondents had received information on OASDI from the county extension agent, while 76 respondents had not received this information. An additional 43 unit members who had not completed the questionnaire were interviewed by telephone. There was a significant positive relationship between homemakers having received the OASDI information at the extension meetings and having estimated OASDI benefits. There was also a significant positive relationship between estimating OASDI benefits and figuring on total income for survivors and for retirement. There was no significant relationship between attendance at OASDI meetings and figuring on total income for retirement and survivors by those who had estimated their OASDI benefits. There was no relationship between attendance at the OASDI meetings and interest in further family finance information concerning life insurance, financial involvements when death comes, and family money management. When the data were arranged according to age groups, it was found that as the women became older, a greater proportion estimated their OASDI benefits. There was no significant difference in the proportion of each age group who figured on their total retirement income. However, the youngest age group did significantly more figuring on total survivor income than did the next older group. There was no significant difference between age groups in total activity following the OASDI meeting. Of the 143 respondents who had attended the OASDI meeting, 71 had estimated their OASDI benefits. Fifty of these (70%) said they learned how to do the estimating at the extension meeting. Thirty-two of the 71 (45%) said they knew how to estimate benefits before their husbands did. Other activities resulted from attendance at the OASDI meetings: 35% mailed the request card for a check on their OASDI accounts, 11% talked to the social security representative for the area, 43% checked on the whereabouts of their vital papers, and 81% discussed OASDI with someone else. From the telephone interviews with homemakers who had attended the OASDI meetings but had not filled out questionnaires, information was secured as to why 19 of the 43 had not estimated their benefits: social security was not important to them, they did not understand how to estimate their benefits, their husbands took care of everything, they just put off doing anything, they could not get husband interested, children were nearly 18 so could not get immediate benefits, income fluctuated too much to estimate benefits. From those who had estimated their benefits, very little information was secured as to the specifics of planning and action taken to improve the financial security situation. From this study the conclusion might be drawn that information about OASDI, including how to estimate benefits, will result in more people doing family financial security planning. It seems to be worthwhile to give this information to homemakers, since they share this information with others, particularly their husbands. Each age group was motivated to use this information.
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