Bio for Pamela Perun
Retirement Income Policy Consultant
Pamela Perun is a lawyer and psychologist who consults on retirement income policy issues. She is the author of papers on lifetime income options in 401(k) plans, the demise of defined benefit plans, child accounts, reform of the private pension system, lifespan savings systems and Social Security. She has also written about phased retirement programs, personal accounts under Social Security, contribution limits to savings plans, trends in stock-based compensation, and universal savings accounts. She is the editor of the Employee Benefits, Compensation and Pension Journal for the Social Science Research Network. Ms. Perun practiced employee benefits law in Boston and Washington, D.C. and has held research appointments at Duke University, Wellesley College and Harvard University Medical School. She received a J.D. from the University of California at Berkeley, a Ph.D. in Human Development from the University of Chicago, and a B.A. from Wellesley College. She is a member of the Massachusetts, District of Columbia and California Bar Associations and a Fellow of the American College of Employee Benefits Counsel.
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Did You Know?
A joint-and-survivor annuity is an annuity that pays a monthly benefit over the lives of the participant and his or her surviving spouse. This is the default form of benefit for married participants in most defined benefit pension plans. Because it lasts for the life of both the worker and the spouse, a joint-and-survivor annuity typically results in a lower monthly benefit payment than a single-life annuity.