Table 2a.

Associations of Disadvantages and Health with Retirement Age

	Model I b (SE)	t	Model II b (SE)	t	Model III b (SE)	t
Time	1.538 (0.14)	10.81 ***	1.530 (0.14)	10.69 ***	1.539 (0.14)	10.81 ***
Cohort (ref=HRS/AHEAD/CODA)
War babies	−5.778 (0.40)	−14.31 ***	−5.744 (0.41)	−14.02 ***	−5.778 (0.40)	−14.42 ***
Early Baby Boomers	−10.230 (0.45)	−22.69 ***	−10.157 (0.45)	−22.58 ***	−10.192 (0.46)	−22.40 ***
Race (ref=White)
Black/African American	−0.103 (0.39)	−0.26	0.007 (0.39)	0.02	0.038 (0.40)	0.10
Hispanic/Latinx	0.062 (0.40)	0.15	0.061 (0.40)	0.15	0.220 (0.42)	0.52
Female (ref)	−1.302 (0.20)	−6.62 ***	−1.371 (0.20)	−6.72 ***	−1.317 (0.20)	−6.61 ***
Education (years)	0.026 (0.05)	0.55	0.036 (0.05)	0.77	0.014 (0.05)	0.28
Marital status (ref=married)	−0.956 (0.31)	−3.06 **	−0.980 (0.30)	−3.22 **	−0.933 (0.31)	−3.04 **
Household income	0.038 (0.16)	0.23	0.008 (0.16)	0.05	−0.026 (0.16)	−0.16
Household assets	0.002 (0.01)	0.15	0.003 (0.01)	0.25	0.003 (0.01)	0.29
Health insurance plans	−0.317 (0.22)	−1.43	−0.331 (0.22)	−1.51	−0.370 (0.22)	−1.66
Depressive symptoms	−0.265 (0.06)	−4.16 ***	−0.247 (0.06)	−3.84 ***	−0.241 (0.06)	−3.90 ***
Lifetime discrimination 1
One experience			−0.650 (0.309)	−2.10 *
Two or more experiences			−0.883 (0.30)	−2.93 **
Physical disorder					−0.267 (0.09)	−3.04 **

Notes:

^***=p<.001

^**=p<.01

^*=p<.05;

¹=reference group is “Never experienced”