Hostname: page-component-cd9895bd7-dzt6s Total loading time: 0 Render date: 2024-12-25T02:16:46.515Z Has data issue: false hasContentIssue false

The Economic Well-Being of Older Women Who Become Divorced or Separated in Mid- or Later Life*

Published online by Cambridge University Press:  31 March 2010

Sharon Davies*
Affiliation:
McMaster University
Margaret Denton
Affiliation:
McMaster University
*
Requests for offprints should be sent to: / Les demandes de tirés-a-part doivent être adressées à : Sharon Davies (née Webb), Research Associate, McMaster Centre for Gerontological Studies, McMaster University, Kenneth Taylor Hall, Room 226, 1280 Main Street West, Hamilton, ONL8S 4M4

Abstract

This paper examines the economic well-being of women who become divorced or separated in mid- or later life, using 1994 data from Statistics Canada's Survey of Labour and Income Dynamics. Economic well-being is measured by adjusted economic family total money income, before-tax low-income cut-offs, and ownership of dwelling. Women and men aged 65 and over still in their first marriages are compared with women and men, aged 65 and over, who were divorced or separated at age 45 or older. Results show that women who become divorced or separated in mid- or later life are more likely to have low income than married persons and men who become divorced or separated in mid- or later life. Persons who divorce or separate in mid- or later life are less likely than married persons to live in a dwelling that is owned by a member of the household. Regression analyses show that receiving pension income and receiving earnings are positively associated with income for women who become divorced or separated in mid- or later life. Implications for the Canadian legal and retirement income systems are discussed.

Résumé

Cette recherche examine le bien-être économique des femmes qui subissent un divorce ou une séparation durant leur moyen âge ou plus tard. L'étude consulte les données de l'Enquête sur la dynamique du travail et du revenu de Statistique Canada. Le bien-être économique est mesuré par le revenu total économique ajusté d'une famille, les seuils de faible revenu avant l'impôt et la propriété de l'unité résidentielle. Les hommes et les femmes âgées de 65 ans et plus et à leur mariage initial sont comparés aux hommes et aux femmes âgés de 65 ans et plus et divorcés ou séparés après leur quarante-cinquième année ou plus. Les résultas démontrent que les femmes qui vivent un divorce ou une séparation durant leur moyen âge ou plus tard ont une meilleure possibilité de recevoir un faible revenu que les personnes mariées et les hommes divorcés ou séparés durant leur moyen âge ou plus tard. Les personnes divorcées ou séparées durant leur moyen âge ou plus tard ont la possibilité moins élevée de demeurer dans une unité résidentielle appartenant à un membre de l'unité ménagère que les personnes mariées. Les analyses de régression démontrent que percevoir un revenu de pension et recevoir des gains sont catégoriquement associés aux revenus des femmes divorcées ou séparées durant leur moyen âge ou plus tard. L'étude examine les effets sur les systèmes canadiens légaux et de revenu de retraite.

Type
Articles
Copyright
Copyright © Canadian Association on Gerontology 2002

Access options

Get access to the full version of this content by using one of the access options below. (Log in options will check for institutional or personal access. Content may require purchase if you do not have access.)

Footnotes

*

The authors would like to thank Carolyn Rosenthal and Isik Urla Zeytinoglu for their helpful comments and Lynda Hayward for advice on data analysis.

References

Battle, K. (1997). Pension reform in Canada. Canadian Journal on Aging, 16(3), 519552.CrossRefGoogle Scholar
Burkhauser, R.V., & Duncan, G.J. (1989). Economic risks of gender roles: Income loss and life events over the life course. Social Science Quarterly, 70(1), 323.Google Scholar
Choi, N.G. (1992). Correlates of the economic status of widowed and divorced elderly women. Journal of Family Issues, 13(1), 3854.CrossRefGoogle Scholar
Crompton, S. (1993). Facing retirement. Perspectives on Labour and Income (Catalogue 75-001E), Spring, 3138.Google Scholar
Crown, W. H., Mutschler, P. H., Schulz, J. J., & Loew, R. (1993). The economic status of divorced older women. Waltham, MA: Policy Center on Aging, Heller School, Brandeis University.Google Scholar
Denton, M. A., French, S., Gafni, A., Joshi, A., Rosenthal, C., & Wilson, D. (1998). Preparations for independence and financial security in later life: A conceptual model framework and application to Canada. (IESOP Research Paper No. 32). Hamilton, ON: McMaster University.Google Scholar
Department of Justice Canada (1990). Evaluation of the Divorce Act: Phase II, monitoring and evaluation. Ottawa: Bureau of Review.Google Scholar
DeViney, S., & Solomon, J.C. (1995). Gender differences in retirement income: A comparison of theoretical explanations. Journal of Women and Aging, 7(4), 83100.CrossRefGoogle Scholar
Economic Council of Canada (1990). Good jobs, bad jobs: Employment in the service economy. Ottawa: Minister of Supply and Services Canada.Google Scholar
Evans, P.M. (1991). The sexual division of poverty: The consequences of gendered caring. In Baines, C., Evans, P., & Neysmith, S. (Eds.), Women's caring: Feminist perspectives on social welfare (pp. 169203). Toronto: McClelland & Stewart.Google Scholar
Finnie, R. (1993). Women, men, and the economic consequences of divorce: Evidence from Canadian longitudinal data. Canadian Review of Sociology and Anthropology, 30(2), 205241.CrossRefGoogle Scholar
Galarneau, D. (1991). Women approaching retirement. Perspectives on Labour and Income (Statistics Canada), Autumn, 2839.Google Scholar
Galarneau, D. (1998). Income after separation – people without children. Perspectives on Labour and Income (Statistics Canada Catalogue No. 75-001-XPE), Summer, 3237.Google Scholar
Galarneau, D. & Sturrock, J. (1997). Family income after separation (Statistics Canada Income Analytic Report, Catalogue No. 13-588-MPB, No 5). Ottawa: Ministry of Industry.Google Scholar
Gee, E.M. (1995). Families in later life. In Beaujot, R., Gee, E.M., Rajulton, F., & Ravanera, Z., (Eds.) Families over the life course: Current demographic analysis (Statistics Canada). Ottawa: Minister of Industry.Google Scholar
Gentleman, J.F., & Park., E. (1997). Divorce in the 1990s. Health Reports (Statistics Canada Catalogue 82-003-XPB) 9(2), 5358.Google Scholar
Hayes, C.L., & Anderson, D. (1993). Psycho-social and economic adjustment of mid-life women after divorce: A national study. Journal of Women and Aging, 4(4), 8399.CrossRefGoogle Scholar
Hoffman, S.D., & Duncan, G.J. (1988). What are the economic consequences of divorce? Demography, 25(4), 641645.CrossRefGoogle ScholarPubMed
Holden, K.C., & Kuo, H.D. (1996). Complex marital histories and economic well-being: The continuing legacy of divorce and widowhood as the HRS cohort approaches retirement. The Gerontologist, 36(3), 383390.Google Scholar
Holden, K.C., & Smock, P.J. (1991). The economic costs of marital dissolution: Why do women bear a disproportionate cost? Annual Review of Sociology, 17, 5178.CrossRefGoogle Scholar
Lathe, H., & Giles, P. (1994). The work experience of Canadians: A first look. In Dynamics of Labour and Income 1994 Report (Statistics Canada, Catalogue 75–201E, pp. 1318). Ottawa: Ministry of Industry.Google Scholar
Loew, R.M. (1995). Determinants of divorced older women's labor supply. Research on Aging, 17(4), 385411.CrossRefGoogle Scholar
Mauldin, T.A. (1990). Women who remain above the poverty level in divorce: Implications for family policy. Family Relations, 39, 141146.CrossRefGoogle Scholar
McDonald, L. (1997). The invisible poor: Canada's retired widows. Canadian Journal on Aging, 16, 553583.CrossRefGoogle Scholar
McDonald, L., Donahue, P. & Moore, B. (2000). The poverty of retired widows. In Denton, F.T., Fretz, D., & Spencer, B.G., (Eds.), Independence and economic security in old age (pp. 328345). British Columbia: UBC Press.Google Scholar
Moore, E.G., & Rosenberg, MW., with McGuinness, D. (1997). Growing old in Canada: Demographic and geographic perspectives. Toronto: Statistics Canada and International Thomson Publishing Company.Google Scholar
Peterson, R.R. (1996). A re-evaluation of the economic consequences of divorce. American Sociological Review, 61, 528536.CrossRefGoogle Scholar
Pulkingham, J. (1995). Investigating the financial circumstances of separated and divorced parents: Implications for family law reform. Canadian Public Policy, 21(1), 119.CrossRefGoogle Scholar
Rosenthal, C., Denton, M., Martin-Matthews, A. & French, S. (2000). Changes in work and family over the life course: Implications for economic security of today's and tomorrow's older women. In Denton, F.T., Fretz, D., & Spencer, B.G., (Eds.), Independence and economic security in old age (pp. 85111). British Columbia: UBC Press.Google Scholar
Statistics Canada (1990). Women in Canada (2nd ed., Catalogue # 89503E). Ottawa: Minister of Supply and Services Canada.Google Scholar
Statistics Canada (1994). Survey of labour and income dynamics. Ottawa: Minister of Industry.Google Scholar
Statistics Canada (1996). Canada's retirement income programs: A statistical overview (Catalogue 74–507-XPB). Ottawa: Minister of Industry.Google Scholar
Statistics Canada (1998). Labour force update: A new perspective on wages (Catalogue No. 71–005-XPB), Summer 2(3).Google Scholar
Statistics Canada (2000, September 28). Divorces. The Daily. Retreived Febuary 2, 2002 from http://www.statcan.ca./daily/english/000928/d000928.htm.Google Scholar
Stirling, K.J. (1989). Women who remain divorced: The long-term economic consequences. Social Science Quarterly, 70(3), 549561.Google Scholar
Townson, M. (1995). Women's financial futures: Mid-life prospects for a secure retirement. Ottawa: Canadian Advisory Council on the Status of Women.Google Scholar
Townson, M. (1997). Independent means: A Canadian woman's guide to pensions and a secure financial future. Toronto: Macmillan Canada.Google Scholar
Uhlenberg, P., Cooney, T., & Boyd, R. (1990). Divorce for women after midlife. Journal of Gerontology: Social Sciences, 45(1), S311.CrossRefGoogle ScholarPubMed
Weitzman, L. (1985). The divorce revolution: The unexpected social and economic consequences for women and children in America. New York: The Free Press.Google Scholar