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Minorities because their employment opportunities are sometimes limited and they are more likely to work for lower wages and in jobs without retirement programs such as pensions. Women are sometimes in the same predicament, working in lower wage jobs without pensions or retirement programs. Since women on average work fewer years at lower pay, they contribute less in payroll taxes over their lifetimes than do men. In their various roles as spouses, and widows, women collect Social Security benefits for more years than men. The result is that women get more net benefits in their lifetimes than do men...
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