1. University of Liverpool Public Health, Policy & Systems, , Waterhouse Building Liverpool L69 3BA, Liverpool, UK
2. Ca'Foscari University of Venice Department of Economics, , Cannaregio 821, 30121, Venice, Italy
3. University of Padua Department of Economics and Management, , Via del Santo 33, 35123, Padua, Italy
4. University of Milan Centro Studi Luca d'Agliano, , Via Conservatorio 7, 20122, Milan, Italy
5. Ageing and Retirement NETSPAR, Network for Studies on Pensions, , 5000 Le Tilburg, The Netherlands