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Pensions, Retirement and Ageing Seminar Series 2023


The multidisciplinary Pension, Retirement and Ageing Seminar Series is hosted with the aim of encouraging interaction between academic researchers from a broad range of disciplines as well as from industry and government. Seminars take place fortnightly, usually on a Monday at noon (UTC+10, Australian Eastern Daylight Saving Time) and provide an excellent opportunity to network with pensions, ageing and retirement experts from Australia and overseas.

Call for Presenters:

CEPAR and the School of Risk & Actuarial Studies, UNSW Business School are seeking speakers to present their research:

Topics that interest our audience include: issues associated with pensions, retirement and/or ageing from a broad range of disciplines including economics, finance, actuarial studies, law, psychology, public health etc..

Speakers: academics and research students as well as researchers in industry and government are welcome to submit

Seminar series schedule: every second Monday from the end of February – end of May and then end of August – end of November.

Presentation mode: we strongly encourage you to present and participate 'in person'. However, the seminars will be delivered in hybrid-mode and we will support presentation online for international speakers and others unable to travel to UNSW.  

Seminar time: 12-1 pm, followed by 1-1:30 pm for lunch and discussion with on-site participants (Sydney Time). We can adjust these times for the convenience of speakers from different time zones. Lunch boxes will be provided to participants in the seminar room. 

Please contact Gaoyun (Sophie) Yan if you are interested in presenting, participating or would like to be added to the Pensions, Retirement and Ageing Seminar Series mailing list. 

View past Pensions, Retirement and Ageing Seminar Series:

2023 Schedule

Title: The Impact of Health Insurance on Health Behaviours among Older People: Evidence from Japan

Date: 27 March 2023

Time: 12.00-1.00 pm for the seminar & 1.00-1.30 pm for an informal chat with the speaker (Sydney time, GMT+11)

Speaker: Chun Yee (Jenny) Wong

Affiliation: International University Japan

Abstract: This paper estimates the impacts of the change in coinsurance of health insurance on the health behaviours for older people. In 2014, the Japanese government increased the coinsurance of medical care among citizens aged 70-74. Using data from the Comprehensive Survey of Living Conditions in Japan between 2013 and 2016, we deployed the difference-in-differences method to examine the effects of the change in coinsurance on positive and negative health behaviours of older people. We find that a rise in coinsurance increases the positive health behaviors including having balanced diet and doing exercise. However, there is no evidence that risky health behaviors, such as smoking and drinking, decreased as a result of the decline in health insurance coverage.

Title: Aggregate Social Factors, Genetic Predispositions, and Lifestyle with Risk of Dementia: A Long-term Cohort Study

Date: 13 March 2023

Time: 12.00-1.00pm

Location: Goldstein G09 on the UNSW Kensington Campus and Zoom (for the Zoom link, please contact Dr Yan)

Speaker: Shu Chen

Affiliation: CEPAR, UNSW Sydney

Abstract: Dementia disproportionately affects individuals with lower socioeconomic status. Considering social factors matter in the aggregate, it is crucial to understand how they collectively contribute to the risk of developing dementia and how they work with genetic and lifestyle risk factors to determine dementia. Our study uses longitudinal cohort data from the Health and Retirement Study (HRS) in the US to 1) develop a polysocial risk score (PsRS) for dementia in the American population, 2)assess the association between aggregated social determinants and the risk of dementia; 3) and explore the moderating role of genetic predisposition and lifestyle. We found that PsRS can strongly predict the onset of dementia despite genetic predisposition and lifestyle risk factors. Those in the highest tertile of PsRS and with heavy drinking had a significantly higher likelihood of developing dementia. The policy implications of the results will also be discussed.

Title: Do Reverse Mortgage Borrowers Use Credit Ruthlessly?

Date: 27 February 2023

Time: 12.00-1.00 pm

Location: Goldstein G09 and Zoom

Speaker: Thomas Davidoff

Affiliation: University of British Columbia

Abstract: Home Equity Conversion Mortgages ("HECMs") offer older US homeowners liquidity and implicit home price insurance. If borrowers' homes are worth less than their loan balance when they move or die, their liability is limited to collateral value. The Federal Housing Administration ("FHA") absorbs the lender's loss. FHA aims to break even on this insurance, but pricing does not reflect geographic or cyclical risk. HECMs were disproportionately originated near the recent home price cycle peak in markets with large subsequent busts. Many borrowers thus have credit lines with limits greater than their homes are worth, and FHA has lost money on HECM. Did borrowers adversely select into HECM intending to exploit mispriced insurance? This appears unlikely: borrowers whose loans terminated with credit limits greater than their homes are worth have been no likelier to exhaust credit than similar borrowers whose loans terminated with credit limits below collateral value.


To discuss your access requirements, please call +61 2 9385 7359 or email cepar@unsw.edu.au.

The CEPAR team is happy to receive phone calls via the National Relay Service. TTY users, phone 133 677, then ask for 02 9385 7359. Speak and Listen users, phone 1300 555 727 then ask for 02 9385 7359. Internet relay users, visit relayservice.gov.au, then ask for 02 9385 7359. 

Monday, March 27, 2023 - 12:00
End date: 
Monday, March 27, 2023 - 13:30
Dual mode